Why Use a Credit Card in the US?
In the US, nearly all spending happens by card, and credit cards are an essential part of everyday American life
Build Credit
One of the most important things to do as an adult in the US is build a strong personal credit history—and the easiest way to start is by opening the door to your credit score with your very first credit card.
Plenty of Rewards
Many credit card companies partner with different brands and department stores to offer rotating quarterly rewards. Whether you shop online or in-store, paying by credit card earns discounts or points—and those points can be redeemed for merchandise.
Purchase Protection
Most credit cards from major banks include purchase protection. For example, if an item's price drops after you buy it, the issuer may refund the difference; and if it's damaged or lost within three months of purchase, you can file for purchase protection reimbursement.
Accepting Credit Cards Online and In-Store
Make the most of credit card payments online and in-store to broaden your revenue channels
Online Credit Card Payments
HantePay enriches the online shopping experience by expanding credit card payments. Customers link their cards, pay, and merchants get paid—ideal for the following scenarios:
In-App Purchases
Mini-Program Purchases
Website Purchases
In-person credit card payments
Accept card payments in person with an internet-connected POS terminal. Customers skip the cash, and merchants skip the hassle of handling it — faster and more convenient for everyone.
Add US credit card payments to your mini-program
Built on China's leading mobile payment experience and tailored to real-world US payment scenarios. Merchants simply enter the net amount they want to receive — the system handles the rest of the checkout flow with the payer.
Link a US credit card in the app. We currently support VISA/Master/American Express/JCB/Diners Club and more.
1
Submit Your Documents
Submit your business license, ID, bank account, and other basic details online, then follow the prompts to complete account verification.
2
Sign the Agreement
Our US credit card team reviews your application within 1-2 business days. Once approved, sign your agreement online and you're ready to start using every feature.
3
Connect Your Setup
Once your activation notice arrives, link your HantePay account details in the dashboard and start accepting payments.