Resources & Insights
Every rail, wallet and term you'll meet when accepting payments across Asia — FPX to bKash, acceptance rate to settlement — explained in plain language, with links to our full guides.
Malaysia's online banking payment system, operated by PayNet. The customer selects their bank at checkout and approves the payment inside their own internet banking — the long-standing default for Malaysian e-commerce. See our Malaysia payment guide.
Malaysia's real-time payment platform: instant 24/7 transfers addressed to a mobile number, IC number or account, plus DuitNow QR — the national QR standard readable by every participating bank app and wallet. Compared with FPX in this guide.
Thailand's national instant payment system, with 70+ million registered IDs. Transfers and QR payments clear in seconds, around the clock. Covered in our Thailand payment guide.
Indonesia's national QR standard (Quick Response Code Indonesian Standard). One QRIS code is readable by every licensed wallet and bank app — GoPay, OVO, DANA, ShopeePay and more — with 30+ million accepting merchants. Explained in our QRIS guide.
Bank Indonesia's real-time interbank transfer rail, steadily replacing the older, slower national clearing system for account-to-account payments.
Vietnam's standard for QR-addressed bank transfers over the NAPAS 247 instant rail. QR codes carry the account and amount, removing typing errors. See our Vietnam deposit guide.
Vietnam's 24/7 instant interbank transfer system, operated by NAPAS — the rail beneath VietQR and the default for serious online spending in Vietnam.
The Philippines' real-time payment rail for transfers up to a per-transaction ceiling, connecting banks and wallets (GCash, Maya) around the clock. Covered in our Philippines payment guide.
The Philippines' batch transfer rail for larger-value payments, settling on banking days — the complement to InstaPay.
The Philippines' national QR standard: one code readable by GCash, Maya and every participating bank app.
Pakistan's instant payment system, built by the State Bank of Pakistan — free real-time transfers between banks and wallets, addressed by a simple ID such as a mobile number. See our Pakistan payment guide.
India's payment rails: UPI (Unified Payments Interface) processes more real-time transactions than any system on earth; IMPS is the older 24/7 interbank rail. Covered in our India payment guide.
Bangladesh's interbank rails: NPSB for near-real-time transfers, BEFTN for batch. Most consumer payments run over MFS wallets instead — see our Bangladesh payment guide.
The Philippines' dominant e-wallet, reaching the large majority of Filipino adults — for many, their first and only financial account. Compared with Maya in this guide.
The Philippines' second wallet (formerly PayMaya), paired with a digital bank and strongest among younger users.
Indonesia's leading e-wallets, all interoperable at checkout through QRIS. GoPay sits inside the Gojek super-app; ShopeePay rounds out the major field.
Malaysia's largest e-wallet, built on the national toll network, alongside GrabPay and Boost.
Thailand's leading e-wallet, operating alongside the exceptionally strong PromptPay bank rail.
Vietnam's biggest wallets for everyday micro-spend — though bank transfer via VietQR remains the default for larger online payments.
Pakistan's telecom-built mobile-money services — tens of millions of users each, with nationwide agent networks for cash-in and cash-out.
Bangladesh's mobile financial services giants. bKash is among the world's largest mobile-money deployments; "bKash me" is simply the verb for sending money.
Mobile Financial Services — wallet accounts operated over mobile networks with agent-based cash-in/cash-out, the dominant form of digital money in Bangladesh and Pakistan.
The share of attempted payments that complete successfully. The single most important payment metric in Asia — a few percentage points compound into a large revenue difference. See why performance decides who wins.
The platform that connects a merchant's checkout to payment methods and banks, handling authorisation, confirmation and reconciliation. See Help2Pay's gateway.
An outbound payment from business to customer or partner — withdrawals, refunds, winnings, commissions — sent over instant rails and validated before dispatch. See payout solutions.
The transfer of collected funds from the payment provider to the merchant, in an agreed currency and schedule. Help2Pay settles across 20 currencies including USDT.
Bank transfers that clear in seconds, 24/7, over national instant rails — the backbone of Asian online payments. Mapped rail-by-rail in our infrastructure report.
A unique, single-use bank account number generated per customer or transaction, so incoming transfers identify themselves — widely used in Indonesia.
A signed server-to-server notification that tells the merchant's system a payment has completed, in real time — no polling. Core to the Help2Pay API.
Matching every incoming credit to its order automatically. Manual reconciliation is one of the biggest hidden costs of running payments at scale.
Know Your Customer / Know Your Business — identity verification of users and merchants, the foundation of risk & compliance.
Tether, a US-dollar stablecoin transferred over TRC-20 or ERC-20 networks — used by eligible merchants as a fast settlement option. See the USDT settlement guide.
The overnight period when a bank takes channels offline for batch processing. Deposits sent to a bank mid-maintenance fail — unless the gateway routes around the downtime.
A national QR standard readable by every bank app and licensed wallet in a market (QRIS, QR Ph, DuitNow QR, VietQR) — one integration reaching every consumer.
Our team speaks fluent payments in every market we serve — ask us anything about rails, methods or settlement.