Serving US merchants since 2016
Accept Chinese payments.
Get paid in USD.
WeChat Pay, Alipay, UnionPay and US credit cards — one account, every channel, USD settled T+2 to your US bank.
- T+2*
- USD settlement
- No
- Chinese entity required
Customer pays
¥ 1,288.00
- Reference rate
- ¥ 7.2145 / $1
- Transaction amount
- $ 178.53
- Processing fee 2.5%
- - $ 4.46
Estimated net settlement (USD · T+2)
$ 174.07
Illustrative example only. Actual rate, fees and settlement amount are those shown in your transaction records.
Which way should you accept payments?
Skip the product names — pick your scenario.
| Your situation | Recommended | |
|---|---|---|
| Customers pay in your store | QR stand or HantePay smart terminal | In-store setup → |
| Customers pay remotely (deposits, invoices) | Payment link / Invoice | Remote payments → |
| Customers order on your website | WooCommerce · WHMCS plugin or API | Online payments → |
| You build software / POS platforms | API integration · revenue share | Talk to our team → |
Built for your business
Whatever way your industry gets paid best — that is how we set you up.
Restaurants & Retail
Guests scan to order and pay; you get paid in USD
See solution →Asian Supermarkets
Multiple lanes, weekend queues — scanning beats swiping
See solution →Car Dealerships
The money comes from China; the dealership still books USD
See solution →Education Agencies & Schools
Parents pay in China; you receive USD in the US
See solution →Travel Agencies
Collect tour fees online, on-trip spending by QR
See solution →Daigou, Freight Forwarding & Social Sellers
Customers pay RMB; you receive USD in your US account
See solution →Cross-border E-commerce & SaaS
Put your Chinese customers' payment methods on your own checkout
See solution →Three steps to your first payment
Open an account
Business licence / EIN, a US bank account and owner ID — all online
Get approved
Typically a few business days once your documents are in
Start accepting
Customers pay in RMB; USD lands in your account T+2
Transparent pricing
Better rates at higher volume. No hidden fees, no lock-in.
Basic
- Online credit card2.9% + 30¢
- WeChat Pay / Alipay2.5%
- WeChat mini-program / storefront$99
- Online UnionPay2.5%
Standard
Annual volume $20K+
- Smart terminals (4 models)$99–$279
- In-person credit card2.65% + 10¢
- Online credit card2.9% + 30¢
- WeChat Pay / Alipay1.95%
- WeChat mini-program / storefrontFree
- UnionPay online / terminal2.5% / 2.2%
Custom
Annual volume $250K+
- Smart terminals (4 models)$99–$279
- Credit cardinterchange + 0.3% + 8¢
- WeChat Pay / AlipayContact us
- WeChat mini-program / storefrontFree
- UnionPayNegotiable
What merchants tell us
Feedback from merchants using HantePay. Names shown with permission; some merchants asked us not to publish their business name.
HantePay let our bedding store take WeChat Pay and Alipay, and the USD reaches our account quickly.
HantePay set us up to take WeChat Pay and Alipay at the restaurant — scanning to pay is quick for our guests.
Frequently asked questions
How does a US business apply? Do I need a Chinese bank account?
You apply online with your US business licence / EIN, a US bank account for settlement and owner ID. No Chinese entity and no Chinese bank account are required.
Which industries are supported?
Restaurants, retail and supermarkets, auto dealers, education, travel, daigou and e-commerce are all common. Some industries may need extra documentation during review — we tell you upfront.
What are the fees, and who sets the exchange rate?
WeChat Pay / Alipay run at a standard 2.5% (1.95% above $20K annual volume) with no monthly fee. Currency conversion happens at the transaction-time rate through licensed financial-institution partners, itemised per transaction.
How fast do I get paid? Is there a settlement minimum?
Cross-border payments generally settle T+2 business days and US card payments T+1, in USD to your US bank account. Settlement runs automatically once your balance reaches $100; below $100, support can settle manually. See the Trust Center.
Can I take WeChat Pay, Alipay and credit cards together?
Yes — one account accepts WeChat Pay, Alipay, UnionPay and Visa / Mastercard, with one reconciliation.
Do you support websites, WooCommerce and POS?
Yes. QR codes and smart terminals in-store, WooCommerce / WHMCS plugins and an API online, and payment links for remote customers.
Apply Now
A few minutes to apply · cs@hante.com · WeChat HANTE100