Hong Kong Dollar (HKD)
Published processing fees and market availability for the Hong Kong Dollar (HKD) across 13 gateways, bank acquirers, and payment rails serving Hong Kong SAR China. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Asia currencies
Who serves this currency
All 13 gateways, bank acquirers and wallets serving HKD markets, including providers with published HKD fee schedules (5) and custom/quote-only processors (8).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeDomestic Hong Kong cards, verify on Stripe HK pricing. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeRegional availability, ask for a quote. | Serves this market |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| Rapyd (Valitor)Regional availability, ask for a quote. | Serves this market |
| AirwallexHong Kong domestic cards 3.3% + HK$2.35; FPS, AlipayHK & WeChat Pay HK from ~1.5%. | Published fees |
| HitPayRegional availability, ask for a quote. | Serves this market |
| 2C2PAnt Group-owned Southeast Asian enterprise payment gateway supporting 400+ regional methods (PromptPay, QRIS, GCash, TrueMoney, cards). Custom merchant pricing. | Serves this market |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalHong Kong commercial transactions. | Published fees |
| AlipayAlipayHK merchant acceptance in Hong Kong. | Published fees |
| WeChat PayWeChat Pay HK merchant rate. | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (5 of 13 providers serving HKD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified HKD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 13 providers serving HKD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (8 additional providers serve HKD with custom or quote-only pricing—see all 13 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeDomestic Hong Kong cards, verify on Stripe HK pricing. | 3.4%+1% international cards | HK$2.35 | n/a | +1% |
| AirwallexHong Kong domestic cards 3.3% + HK$2.35; FPS, AlipayHK & WeChat Pay HK from ~1.5%. | 3.3% | HK$2.35 | n/a | Same rate |
Compare two HKD card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in HKD.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalHong Kong commercial transactions. | 3.9%+0.5% international cards | HK$2.35 | n/a | +0.5% |
| AlipayAlipayHK merchant acceptance in Hong Kong. | 1.5% | HK$0.00 | n/a | Same rate |
| WeChat PayWeChat Pay HK merchant rate. | 1.5% | HK$0.00 | n/a | Same rate |
Monthly, plan & setup fees (HKD)
9 of 13 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| Rapyd (Valitor)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| 2C2PAPAC enterprise & mid-market payment gateway contract | Bank MID / custom | Custom / quote | Custom |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| AlipayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| WeChat PayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Hong Kong Dollar (HKD) payment gateway FAQs
Which payment gateways and processors serve Hong Kong SAR China (HKD)?
Sympli5 tracks 13 payment gateways, bank acquirers, and payment rails serving Hong Kong SAR China (Hong Kong Dollar, HKD), including Stripe, PayPal, Adyen, Checkout.com, Braintree, Nuvei and 7 others. Of these, 5 publish verifiable standard HKD per-transaction schedules and 8 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Hong Kong Dollar (HKD)?
Among the 5 providers with publicly verified HKD schedules, the lowest headline variable rate starts at 1.5% + HK$0.00 via Alipay. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive HKD calculator on this page to compare exact net payouts.
Do HKD payment gateways charge monthly or setup fees?
Of the 13 providers serving HKD markets, 9 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for HKD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in HKD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In HKD, providers like Stripe (+1%), PayPal (+0.5%) add an explicit cross-border card surcharge on top of their domestic rate.