HitPay Payment Links

What HitPay Payment Links does

HitPay creates hosted checkout URLs and QR codes that businesses can share through email, messaging, social channels or embeds. Customers can pay a fixed amount, or enter an amount and currency when the merchant allows it.

A payment link may handle either a single charge or repeat billing. On recurring pages, merchants can place several subscription choices with weekly, monthly or annual cycles. HitPay describes the product for freelancers, small businesses and larger enterprises.

Fees and plans

Pay-as-you-go and Payment Links have no setup charge or recurring subscription cost. Each successful transaction still attracts the applicable payment-method rate, with Payment Links adding a 0.2% business-software charge.

HitPay’s Singapore examples price online PayNow at 0.65% plus S$0.30 for payments of at least S$100, or 0.9% with a S$0.20 minimum under S$100. Domestic online cards are listed at 2.8% plus S$0.50. The product is shown as starting from 0.20, while actual fees differ by market and method.

Refunds do not add another processing charge, although the fee from the original transaction is retained. If a chargeback occurs, the disputed amount and fee come out of the merchant balance until a successful dispute restores them.

API access carries no separate setup or subscription charge. Standard processing fees apply to live transactions, whereas sandbox payments are free.

Where it runs

HitPay lists Android, iPhone, web and API access. The App Store listing supports iPhone and iPad and requires iOS or iPadOS 18.1 or later.

Hosted pages may be shared or embedded, while the API sequence creates a payment request, redirects or embeds checkout, then receives and validates webhooks. HitPay publishes API references, a sandbox, webhook documentation, product guides and an MCP server link.

Protection and rules, as HitPay publishes them

HitPay says its payment links meet PCI DSS requirements, and the company identifies itself as PCI DSS certified.

HitPay Payment Solutions Pte Ltd says it is licensed in Singapore as a Major Payment Institution under the Payment Services Act, licence PS20200643. Its licences page lists operations or registrations in Singapore, the Philippines, Malaysia, Australia and New Zealand.

For Singapore, the published schedule puts non-card HitPay Balance payouts at T+1 calendar day; card payouts begin at T+1 business day, subject to compliance scheduling.

Strengths

A business can request payment without constructing a website checkout, using either a shared URL or a QR code.

More than 100 currencies are supported, and merchants can select and reorder displayed methods or allow either fixed or customer-entered amounts.

The dashboard provides transaction controls, payment alerts, real-time information and detailed business reports.

Catches to check

Payment Links adds 0.2% to the relevant payment-method charge, so the bill depends on the market and method. Singapore figures are examples rather than one worldwide rate.

Methods including PayNow, GrabPay, FPX, DuitNow, GCash and Maya are subject to market availability and activation. Payout timing also differs between non-card and card payments.

A chargeback can leave both the disputed sum and its fee held against the merchant balance. The original transaction fee is not returned when a refund is issued.

The WooCommerce gateway needs HitPay API keys and salt. HitPay labels that plugin open source, while it does not describe the hosted core service as open source.

Who should skip it

Businesses looking for one worldwide processing rate may find pricing by market and method difficult to compare.

Teams that do not use hosted links, QR codes or API checkout may need another payment arrangement.

Verdict

HitPay Payment Links suits a business seeking shareable or embeddable checkout, recurring billing choices and wide payment-method coverage without a monthly plan. Its dashboard and API provide management and developer options.

The trade-off is variable transaction cost: successful payments carry the applicable method charge plus a 0.2% link fee. Market availability, activation, payout scheduling and chargeback exposure should be checked before adoption.

Questions