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 · Free tier · ID, PH, MY, TH, VN, SG, HK · EN / ID
Xendit is a payments platform operating in Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore and Hong Kong, offering 100+ payment methods: cards, e-wallets (OVO, GoPay, GCash, Maya, ShopeePay), QRIS, QR PH, virtual accounts and more. Pricing is per transaction (a processing fee plus a payment-method or payout fee) with free sign-up; it is licensed by the Bank of Thailand, and Xendit Philippines Inc and XenRemit, Inc are regulated by the Bangko Sentral ng Pilipinas.
Xendit publishes one rate card covering Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore and Hong Kong, so a team expanding from Indonesia into the Philippines keeps one provider for QRIS, QR PH and the regional e-wallets. It is licensed by the Bank of Thailand, and its Philippine entities are regulated by the Bangko Sentral ng Pilipinas. Sign-up is free; every fee is per transaction.
Best for: Indonesian e-commerce and SaaS; Philippines digital businesses; SEA-wide marketplaces; Subscription startups across the region
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 2026-09-14: QRIS 0.7%, GoPay 2%, ShopeePay 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, Akulaku PayLater 1.7%, Kredivo 2%. 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 · Free tier · SEA, Thailand, Singapore, Malaysia, Japan · EN / TH / JA
Opn Payments (formerly Omise) is a Thai-founded payment gateway with a developer-friendly REST API covering credit cards, PromptPay, QR payments, internet banking, e-wallets, and BNPL across Thailand, Japan, Singapore, and Malaysia. Founded in 2013 in Bangkok, it serves merchants from solo founders to enterprise brands like ICBC, True Corporation, and Pomelo Fashion. The clean API documentation and SDKs in multiple languages make it a top choice for SEA developers who need a payment layer without the procurement friction of larger global PSPs.
Opn Payments is the default payment gateway recommendation for Thai-focused SaaS and e-commerce products because it was built by a team that understands PromptPay, local banking rails, and the Thai merchant mindset from day one. Most Thai developers have used Omise at some point in their careers. The 1.65% PromptPay rate is competitive with 2C2P and lower than Stripe's Thai pricing. The developer documentation is genuinely good — webhook handling, idempotency keys, and error messages are clearly explained, which is not always true of regional PSPs. The main limitation is that support for deep Indonesian or Philippine payment methods (GoPay, GCash, OVO) is thinner than Xendit. Opn publishes a separate rate card per country, and the same pattern holds in all three SEA markets it prices: 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. In every market the national QR rail is the cheapest percentage method on the page (read 2026-09-14).
Best for: Thai e-commerce founders and SaaS companies building their first payment integration without enterprise contracts; Singapore and Malaysia startups needing a trusted SEA-native PSP with multi-country support; Marketplace and platform builders needing split-payment and sub-account capabilities across SEA; International brands entering the Thai market who need PromptPay and TrueMoney alongside international cards
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 · Malaysia, Singapore, Indonesia, Thailand, Philippines, Vietnam · EN / MS / ZH
iPay88 is a Kuala Lumpur-headquartered payment gateway and acquirer used by 50,000+ Malaysian Sdn Bhd merchants for FPX online banking, DuitNow QR, credit/debit card, and e-wallet (TouchNGo, GrabPay, Boost) acceptance. The Malaysian default for SMEs and mid-market merchants needing local-bank-relationship payment processing.
iPay88 is the Malaysian payment gateway default for Sdn Bhd merchants. Pricing varies by method; FPX runs roughly 1.4 percent plus MYR 0.50, DuitNow QR at 0.7-1.0 percent, credit cards at 2.4-2.8 percent depending on tier. For Malaysian-only merchants, iPay88 typically beats global processors (Stripe, PayPal) on FPX and DuitNow rates by 80-150 basis points. HitPay and Razer Merchant Services are the main competitors in Malaysia; iPay88 wins on Sdn Bhd merchant onboarding speed and local bank acquirer relationships, HitPay wins on cleaner API and developer experience. For Malaysian merchants over MYR 100,000 monthly volume, iPay88 is the realistic 2026 pick for cost-effective payment acceptance.
Best for: Malaysian Sdn Bhd merchants needing FPX online banking acceptance; Malaysian e-commerce sellers integrating payments into WooCommerce or Shopify; Subscription businesses serving Malaysian customers; Malaysian SMEs preferring local bank acquirer relationships
PayMongo
Finance · Paid · Free tier · Philippines · EN / TL
PayMongo is a Manila-headquartered payment gateway and merchant SaaS that lets Filipino online businesses accept GCash, Maya, GrabPay, credit cards, online banking, and OTC payments through one API and dashboard. Used by 25,000+ Philippine SMEs and Shopify merchants as the local alternative to Stripe (which has limited PH coverage).
PayMongo is the default Filipino payment gateway for online businesses, and it publishes a full per-method rate card rather than one blended MDR. Read on paymongo.com/pricing on 2026-09-14: QR Ph 1.34% both in-store and online, local Visa and Mastercard 3.125% + PHP 13.39, international cards 4.02% + PHP 13.39, GCash 2.23%, Maya 1.79%, GrabPay 1.96% and ShopeePay 1.70%, all exclusive of VAT with no setup or monthly fee. QR Ph — the Bangko Sentral-mandated national QR standard — is the cheapest method on the page, at roughly two-fifths of the local card rate. For a Manila Shopify seller, PayMongo unlocks the buyers who pay with GCash, Maya, QR Ph or OTC instead of a credit card. Stripe in the Philippines covers cards but misses the dominant local rails entirely. Xendit is the cross-border SEA alternative; PayMongo is the right pick for Philippines-domestic operations.
Best for: Filipino Shopify and WooCommerce merchants accepting GCash and Maya; Manila-based SaaS startups billing PHP customers in recurring cycles; Online sellers wanting OTC payment options for unbanked customers; Cross-border SEA D2C brands selling into the Philippines
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.