Local Payment Gateways for SEA (2026)
Compare payment gateways that support Southeast Asia's local payment rails, including PromptPay, QRIS, PayNow, and DuitNow.
To sell effectively in SEA, you must accept local payment methods. **Xendit** and **Midtrans** are top choices for Indonesia and the Philippines (QRIS, GCash). **Opn** (formerly Omise) and **Xendit** (which acquired Thai gateway GB Prime Pay) dominate Thailand (PromptPay). For cross-border reach encompassing Malaysia and Singapore, **HitPay** and **iPay88** provide excellent coverage for PayNow and DuitNow QR.
The Tools in Detail
Xendit
Payments · Paid · ID, PH, MY, TH, VN, SG, HK · EN / ID
Xendit is a payments platform that offers payment acceptance, payouts and tools for platforms and marketplaces. Its homepage lists 147+ payment methods and 300+ payout destinations. It also describes direct connections to payment methods and smart routing that keeps processing payments when a payment network goes down. Its pricing page lists QR code, e-wallet and buy-now-pay-later methods in Indonesia, the Philippines, Singapore and Thailand. For every transaction, Xendit charges a fixed processing fee plus a payment method fee or a payout fee. The homepage states $47.3B+ processed and 544M+ transactions in 2025, up 30% year over year.
The pricing page lists local payment methods in four Southeast Asian markets. In Indonesia these are QRIS and the buy-now-pay-later options Akulaku, Indodana and Kredivo. In the Philippines they are QRPH, Maya and BillEase, in Singapore PayNow, and in Thailand PromptPay and TrueMoney. Fees on that page are quoted in IDR, PHP, SGD and THB. The homepage states 300+ payout destinations and payouts in the recipient's local currency.
Best for: Marketplaces and platforms that need to onboard sellers and manage payments; Businesses that send payouts in the recipient's local currency; Shopify merchants in markets where Xendit lists payment methods; Businesses that bill customers on subscriptions
Midtrans
Payments · Paid · Free tier · SEA, Indonesia · ID / EN
Midtrans is a Jakarta-headquartered payment gateway (part of GoTo Financial) that lets Indonesian businesses accept over 25 local payment methods. It is the only gateway with exclusive GoPay integration and supports QRIS payments from OVO, ShopeePay, DANA, and LinkAja, plus bank virtual accounts, credit and debit cards, and PayLater. Merchants pay only a per-transaction fee in Indonesian Rupiah with no subscription or integration fees.
Midtrans is the only Indonesian payment gateway with exclusive GoPay integration and native QRIS support for OVO, ShopeePay, DANA, and LinkAja. Backed by GoTo (Gojek and Tokopedia), it settles directly to Indonesian bank accounts in Rupiah and charges no subscription fees, making it the default gateway for Indonesian merchants that need local e-wallet coverage. Its published rates, read on 2026-10-26: QRIS 0.7%, GoPay 2%, ShopeePay 2%, DANA and OVO 1.5%, bank transfer / virtual account IDR 4,000 flat, credit card 2.9% + IDR 2,000, over-the-counter at Indomaret and Alfa Group IDR 5,000, and cardless instalments Akulaku 1.7% and Kredivo 2% (Kredivo was absent from the page on 2026-10-05 and is listed again on 2026-10-26). Charges are exclusive of VAT except for QRIS, GoPay and ShopeePay, and gaming and digital-product companies are quoted different rates.
Best for: Indonesian e-commerce stores needing GoPay and QRIS at checkout; Jakarta SME merchants selling on their own websites and apps; Indonesian subscription businesses using recurring card billing; Marketplaces routing payouts to Indonesian bank accounts
Opn Payments
Payments · Paid · SEA, Thailand, Singapore, Malaysia, Japan · EN / TH / JA
Opn Payments is listed here under that name, but the vendor's own site brands the company and its products as Omise (Omise Co., Ltd., Omise AI). Omise says its story began in 2013, that it launched in Thailand in 2015 and then expanded to Japan, Singapore and Malaysia, and that it now operates across Thailand, Singapore, Malaysia, Japan and the USA. It offers online checkout, Payment Links+, Payment Orchestration, PayFac embedded payments and acquiring technology, plus a RESTful API with documentation and SDKs in multiple programming languages. Pricing is pay as you go, with a separate rate card for each country. Customers named on the homepage include SHOPLINE, NocNoc, Monomax, GoWabi, Coway, McDonald's Thailand, Freshket and Pomelo.
Omise operates across Thailand, Singapore, Malaysia, Japan and the USA, with listed offices in Bangkok, Tokyo, Singapore, Kuala Lumpur and Atlanta. It launched in Thailand in 2015 before expanding to Japan, Singapore and Malaysia. Pricing is set per country: Thailand cards 3.65% against PromptPay 1.65%; Malaysia domestic cards 2.50% (international 3.80%) against DuitNow 1.50%; Singapore cards 3.30% + SGD 0.30 against PayNow 1.00% + SGD 0.15. Thai pricing is subject to 7% VAT. The site is available in English, Thai and Japanese.
Best for: Merchants selling in Thailand that want PromptPay, TrueMoney or ShopeePay alongside card payments; Merchants in Malaysia or Singapore that want local methods such as DuitNow, FPX or PayNow priced on a per-country rate card; Platforms and banks looking for embedded payments (PayFac) or payment orchestration; E-commerce businesses that offer installment options, as NocNoc does according to the homepage
HitPay
Finance · Paid · Free tier · Singapore, Malaysia, Philippines · EN / ZH / MS / ID
HitPay is a Singapore-headquartered payment platform designed specifically for SMEs and micro-merchants in Southeast Asia. It provides a comprehensive suite of payment tools, including a payment gateway for e-commerce, physical POS terminals, and a link-based payment system, supporting local payment methods like PayNow, GrabPay, and DuitNow.
HitPay is a payment provider for SEA SMEs, but its merchant footprint is narrower than its payment-method list suggests: its pricing page offers Singapore, Malaysia, Philippines and Global as merchant countries, and QRIS is not priced anywhere on it. Indonesia, Thailand and Vietnam appear only under Cross-Border Payments, where an Indonesian, Thai or Vietnamese customer pays a Singapore, Malaysian or Philippine merchant in their own local method (IDR 2% online / 1.5% in-person for Indonesia, THB 3.4% online for Thailand) with a 1% FX markup at settlement. Read the QRIS, PromptPay, VietQR and QRPH support below as customer-side acceptance, not as domestic acquiring in those markets. Its domestic Singapore rates, read on 2026-09-14: PayNow 0.65% + SGD 0.30 on transactions of SGD 100 and above and 0.9% with a SGD 0.20 minimum below that, domestic cards 2.8% + SGD 0.50, international cards 3.65% + SGD 0.50 with a 2% foreign-currency fee, WeChat Pay 1.5%, Shopback 3.9% + SGD 0.20, ShopeePay Later 5%, Atome 5.5%, no setup or monthly fee. PayNow is the cheapest method on the page, at under a quarter of the domestic card rate.
Best for: SMEs and micro-merchants in Singapore and Malaysia; E-commerce sellers needing a simple payment integration; Service-based businesses using payment links; Retailers looking for an affordable omnichannel solution
iPay88
Finance · Paid · Indonesia · ID / EN
iPay88 Indonesia is a payment gateway operated by PT. Dinamik Mobile. Its headquarters are at Grand Slipi Tower, Lantai 25, Unit B, Jl. Letjen S. Parman Kav 22-24, Palmerah Jakarta Barat 11480, and its contact number is 021-29866071. The site describes iPay88 as a payment gateway for Indonesia and Asia, and says its journey started in 2010. It accepts credit and debit cards, virtual accounts, online banking, and the e-wallets OVO, LinkAja and ShopeePay. The products named on the site are Link Payment, Direct Payment and POS. The site states that it holds an official Bank Indonesia license. Its Indonesian About page says iPay88 is also present in Malaysia, Thailand and Singapore, with 5 locations in Asia; that page looks dated (it refers to the 10th year and its awards list ends in 2018), so current presence in those countries is an open question. As of 2026-10-31, www.ipay88.com redirects to NTT DATA Payment Services Malaysia's ADAPTIS e-Commerce page, which does not name iPay88. The home page also shows Visa Service Provider, KOMINFO and PCI DSS (2025) badges as images.
iPay88 Indonesia is run by PT. Dinamik Mobile from Jakarta and describes itself as a payment gateway for Indonesia and Asia. Its site states that it holds an official Bank Indonesia license. Its Indonesian About page, which looks dated, mentions Malaysia, Thailand and Singapore and 5 locations in Asia; current presence there is not verified. It says it has more than 1,000 partners across Indonesia. Local payment methods named on the site include virtual accounts and the e-wallets OVO, LinkAja and ShopeePay.
Best for: Indonesian merchants that want to accept cards, virtual accounts, online banking and e-wallets (OVO, LinkAja, ShopeePay); Businesses that want to send payment links to customers or take payments at a point of sale
PayMongo
Finance · Freemium · Free tier · Philippines · EN
PayMongo is a Philippine payments company, founded in May 2019 and headquartered in Bonifacio Global City, Taguig. It began as an online payment gateway for Filipino businesses and in April 2024 expanded into a broader digital financial services provider. Its products include Checkout, Payment Links, Invoices, Order & Pay and Storefront. Merchants can accept QR Ph, GCash, Maya, GrabPay, ShopeePay, Visa and Mastercard cards, BillEase buy now pay later, and direct online banking from BDO, UnionBank, BPI, Landbank and Metrobank. PayMongo reports 350,000+ businesses served and more than $18 billion processed since 2019. PayMongo Philippines, Inc. is regulated by the Bangko Sentral ng Pilipinas. Transaction rates are listed per method, setup is free, and all prices exclude VAT. Storefront, its branded store builder, has a $0/month Free plan and paid plans from $9/month.
PayMongo is headquartered in Bonifacio Global City, Taguig, and PayMongo Philippines, Inc. is regulated by the Bangko Sentral ng Pilipinas. It lists QR Ph, GCash, Maya, GrabPay, ShopeePay, BillEase and direct online banking from five named banks as payment methods. Its rate card quotes QR Ph at 1.34%, GCash at 2.23%, Maya at 1.79%, GrabPay at 1.96% and ShopeePay at 1.70%, with free setup and all prices exclusive of VAT. PayMongo reports 350,000+ businesses served, $18 billion+ processed since 2019 and 2.7 billion transactions handled.
Best for: Philippine businesses that want to accept QR Ph, GCash, Maya, GrabPay and ShopeePay; Platforms and marketplaces that need payment splitting or sub-merchant onboarding; Small businesses that want a branded online store builder (Storefront)
SEA Operational Reasoning
Credit card penetration in Southeast Asia remains remarkably low compared to the West. Instead, domestic real-time payment (RTP) networks and e-wallets dominate consumer spending: PromptPay in Thailand, QRIS in Indonesia, PayNow in Singapore, DuitNow in Malaysia, and GCash in the Philippines. Relying solely on global gateways like Stripe or PayPal severely restricts your addressable market and increases cart abandonment. Local payment gateways aggregate these fragmented domestic rails into a single integration, allowing merchants to offer the payment methods their customers actually use while automating reconciliation.
Related Expert Guides
The questions operators actually ask.
Can I just use Stripe in Southeast Asia?
Stripe is expanding its support for local methods (like PayNow and PromptPay), but regional gateways like Xendit or HitPay often offer lower fees for local transactions, broader e-wallet support, and faster settlement times for domestic merchants.
What is QRIS?
QRIS (Quick Response Code Indonesian Standard) is Indonesia's national QR payment standard. It allows customers to pay using any Indonesian e-wallet (GoPay, OVO, DANA) or banking app by scanning a single unified code.
Do these gateways support WooCommerce or Shopify?
Yes. Most top SEA payment gateways provide official plugins for WooCommerce, Shopify, Magento, and PrestaShop, meaning you do not need custom coding to start accepting local payments.