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Local Payment Gateways for SEA (2026)

•Verified for SEA May 2026
Software Listing Editorial Team
Written by
SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise

Compare payment gateways that support Southeast Asia's local payment rails, including PromptPay, QRIS, PayNow, and DuitNow.

Quick answer · AI-search friendly

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 **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.

Editor's picks

Recommended Solutions

6 matches
Xendit
X
XenditSaaS
Payments · Payment Gateway

Payments infrastructure built for Indonesia, the Philippines, and the rest of SEA

Paid
100+ payment methods across SEAQRIS Indonesia and QR PH supportVirtual accounts for bank transfers
Midtrans
M
MidtransSaaS
Payments · Payment Gateway

Indonesian payment gateway with exclusive GoPay and QRIS acceptance, part of the GoTo Group

Paid
Exclusive GoPay acceptance via QRIS or Gojek app deeplinkDynamic QRIS that auto-fills the transaction amount for OVO, ShopeePay, DANA, and LinkAjaBank virtual accounts for BCA, Mandiri, BNI, BRI, and Permata transfers
Opn Payments
O
Opn PaymentsSaaS
Payments · Payment Gateway

Bangkok-founded payment gateway trusted by 30,000+ Thai merchants with fast API integration across SEA

Paid
Credit and debit card acceptance with 3.65% per transaction fee in ThailandPromptPay QR code payments at 1.65% — the cheapest real-time payment method for Thai merchantsInternet banking and e-wallet integrations including TrueMoney, Rabbit LINE Pay, and SCB Easy
HitPay
H
HitPaySaaSAffiliate
Finance · Payment Gateway

Singapore-built omnichannel payment platform for SEA SMEs

Paid
Omnichannel payment acceptance (online and offline)Support for local SEA payment methods (PayNow, DuitNow, QRIS, etc.)No-code payment links and QR code generation
iPay88
I
iPay88SaaSAffiliate
Finance · Payment Gateway

Malaysian-built payment gateway used by 50,000+ Sdn Bhd merchants for FPX, DuitNow, and card acceptance

Paid
FPX online banking acceptance from all major Malaysian banksDuitNow QR national QR rail acceptance with low transaction feesCredit and debit card acceptance with Malaysian-issued bank acquirer
PayMongo
P
PayMongoSaaSAffiliate
Finance · Payment Gateway

Filipino payment gateway SaaS for Shopify, e-commerce, and SaaS businesses

Paid
GCash, Maya, GrabPay, BPI, BDO, and Metrobank online banking acceptanceCredit card processing with 3DS 2.0 fraud protectionOver-the-counter (OTC) payment slips for 7-Eleven and Cebuana
Why these

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.

Learn how we score these tools for SEA →
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Payment Gateway Indonesia: Cards, Virtual Accounts and QRIS Compared 2026

A general comparison of Indonesian payment gateways — Midtrans, Xendit, DOKU, Duitku and HitPay — across card, virtual account and QRIS fees, for buyers searching beyond QRIS alone.

Payment Gateway Malaysia: FPX, DuitNow and Card Fees Compared 2026

A neutral comparison of Malaysian payment gateways — iPay88, Fiuu, senangPay, toyyibPay, Billplz, eGHL, HitPay and 2C2P — on FPX and DuitNow fees, card rates, and setup, plus the regulatory fact most vendor pages skip.

Payment Gateway Thailand: PromptPay and Card Fees Compared 2026

A neutral comparison of Thai payment gateways — Opn Payments, Beam Checkout, 2C2P, KBank and SCB — on PromptPay and card fees, plus the Bank of Thailand rule most vendor pages don't mention: it caps P2P transfers, not merchant acceptance.

Payment Gateway Philippines: GCash, Maya and Card Fees Compared 2026

A neutral comparison of Philippine payment gateways — PayMongo, Xendit, Maya Business, GCash for Business, Dragonpay, 2C2P and Paynamics — on card, GCash, Maya and over-the-counter fees, with BSP's 2026 transfer-fee reform explained.

FAQ · structured for LLM citation

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.