亞太地區 的支付方案
Cardflo 在亞太地區、日本、新加坡、香港、澳洲、印度及東南亞提供收單機構和 APM 服務，並支援客戶常用的本地電子錢包。
貨幣
JPY · SGD · HKD · AUD · INR · MYR · THB · IDR · PHP · USD
本地支付方式
Alipay, WeChat Pay, UPI, GrabPay, GCash, Konbini, PayNow, PromptPay
收單
亞太地區市場分散，每個市場都需要其本地電子錢包。Cardflo 將 APM 服務與主要市場的本地收單機構、以及其他地區的跨境收單機構捆綁。
法規
各國法規：日本經濟產業省 (METI)、新加坡金融管理局 (MAS)、印度儲備銀行 (RBI)、澳洲金融監管局 (AUSTRAC)。印度的儲存憑證和代幣化規則需要小心處理。
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
亞太地區 的熱門垂直行業
FAQ
你們支援印度的 UPI 嗎？
支援。UPI 透支在印度的本地收單合作夥伴提供支援。
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.