Paiements en Asie-Pacifique
Cardflo offre une couverture d'acquisition et des services APM dans la région APAC, au Japon, à Singapour, à Hong Kong, en Australie, en Inde et en Asie du Sud-Est, avec les portefeuilles locaux que les clients attendent.
Devises
JPY · SGD · HKD · AUD · INR · MYR · THB · IDR · PHP · USD
Moyens de paiement locaux
Alipay, WeChat Pay, UPI, GrabPay, GCash, Konbini, PayNow, PromptPay
Acquisition
La région APAC est fragmentée, chaque marché ayant son portefeuille local. Cardflo combine la couverture APM avec l'acquisition locale sur les principaux marchés et l'acquisition transfrontalière ailleurs.
Réglementation
Cadres réglementaires spécifiques à chaque pays : METI au Japon, MAS à Singapour, RBI en Inde, AUSTRAC en Australie. Les règles indiennes concernant les informations d'identification stockées et la tokenisation nécessitent une attention particulière.
Market context
APAC is the largest and most diverse payments region globally, processing over $35 trillion in retail payment volume annually. India's UPI alone clears over 14 billion transactions per month, the highest of any real-time rail in the world. China runs the world's largest wallet duopoly with Alipay and WeChat Pay accounting for over 90% of mobile-payment volume. Japan still leans heavily on cash for sub-¥3,000 transactions and on Konbini vouchers for online cash-out. South-East Asia's super-app wallets (GrabPay, GoPay, ShopeePay) anchor Indonesia, the Philippines, Thailand and Vietnam.
Scheme mix
JCB carries meaningful domestic share in Japan (around 16% of credit volume) and is increasingly accepted across SEA via partnerships. UnionPay dominates Greater China and is critical for inbound Chinese tourist acceptance. RuPay is mandated for several Indian government-linked card portfolios. Visa and Mastercard remain dominant globally but local-scheme routing materially reduces interchange in JP, IN and CN corridors.
Interchange & fees
India caps merchant discount rates on UPI at zero (regulated to drive adoption) and on RuPay debit at 0.6%. Singapore has no regulatory cap but commercial rates trend low due to scheme competition. Japan averages 2.5 to 3.5% effective MDR on credit due to a complex domestic acquiring stack. Australia caps interchange on debit at 8c per transaction (or 0.20% ad-valorem) and credit at 0.50% under RBA rules.
Common challenges
India's stored-credential tokenisation rules (effective October 2022) require all card-on-file data to be tokenised via the network or issuer, not stored as raw PAN by the merchant or acquirer. Subscription portfolios that did not migrate saw approval drops of 25 to 40%. China cross-border acceptance requires Alipay+ or WeChat Pay HK rails since direct UnionPay acquiring is restricted for foreign merchants. APAC chargeback dispute windows vary widely: 120 days in most markets, but India follows scheme rules with shorter pre-arbitration timelines.
Recommended setup
- Local acquiring in JP, SG, HK, AU and IN for domestic card volume
- UPI via NPCI-licensed PSP in India, with network tokenisation for card-on-file
- Alipay+ and WeChat Pay HK for inbound Chinese consumer acceptance
- GrabPay, GCash, PayNow, PromptPay and ShopeePay for SEA market coverage
- JCB and UnionPay scheme acceptance where issuer share or tourist volume justifies it
Secteurs populaires en Asie-Pacifique
FAQ
Prenez-vous en charge UPI en Inde ?
Oui. UPI est pris en charge via des partenaires acquéreurs locaux en Inde.
How do you handle RBI's stored-credential tokenisation rules?
Cardflo's vault tokenises Indian card credentials via the network tokenisation services that RBI permits, so saved cards keep working for subscription and one-click flows without storing PANs.
Which APAC markets do you have local acquiring in?
Local acquiring is available in Japan, Singapore, Hong Kong, Australia and India. South-East Asian markets route to regional acquiring partners with local APM coverage bolted on.
Can I accept Alipay and WeChat Pay for cross-border Chinese consumers?
Yes. Alipay+ and WeChat Pay cross-border acceptance is available for merchants outside mainland China selling to Chinese travellers and diaspora consumers.
How does Konbini work in Japan?
Konbini is an offline cash-payment voucher: at checkout the customer receives a barcode and pays at a convenience store (7-Eleven, Family Mart, Lawson) within a set window. Cardflo's APM layer issues vouchers, polls for settlement and triggers fulfilment once the cash has been collected and reconciled, typically within 24 to 72 hours.
Do I need a local entity to acquire in Australia?
Cardflo's Australian acquirer partners can settle to either an Australian ABN-registered entity or to an offshore beneficiary, subject to AUSTRAC reporting. A local ABN improves AUD settlement timing and reduces FX exposure.
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