Credit Card Processing
Visa, Mastercard and more — online and in person. HantePay — customers pay in RMB, you get paid in USD.
Cards are how America pays. In person that means EMV chip, contactless, Apple Pay and Google Pay; online it means saved cards in your app, mini-program or website.
What US Credit Cards does for a US merchant
Your local base — you are not only serving Chinese customers
A Chinese-owned business does not have only Chinese customers. Cards are the default for everyone else, and not taking them hands the walk-in across the street to someone else.
One device for everything
The real cost is rarely the rate — it is two terminals, two reconciliations and two support numbers. The terminal takes cards alongside WeChat Pay, Alipay and UnionPay, so month-end is one close.
T+1 settlement
Card payments settle the next business day, faster than cross-border, which matters when you restock weekly.
Rates fall as you grow
Standard tier above $20K a year, custom tier above $250K at interchange +0.3% +8¢. The bigger you get, the less each sale costs.
How you get paid
In person
- Customer dips, taps or uses Apple Pay
- The terminal reads and requests authorisation
- Signature or no-signature completion
- Settles T+1
Online
- Customer saves a card in your site or app
- Enters number and security code
- 3DS challenge where required
- Order completes and reconciles
Businesses that benefit most
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 →Cross-border E-commerce & SaaS
Put your Chinese customers' payment methods on your own checkout
See solution →