Payments across
Asia-Pacific.
Local pay-ins and payouts across 13 Asia-Pacific markets, spanning wallet-and-QR rails in South and Southeast Asia, named bank transfer across Central Asia, and standard cards in the region's developed markets. One integration, higher acceptance, fast settlement.
How Asia-Pacific pays
The region splits between local wallet-and-QR markets and standard card markets, with bank transfer bridging both. India runs on UPI alongside Google Pay, Paytm and PhonePe — a real-time account-to-account rail that has become the default way Indian consumers pay online. Malaysia pairs bank transfer across nine named banks with DuitNow QR and the TNG eWallet; Thailand runs bank transfer across four major banks alongside ThaiQR; Pakistan clears through JazzCash and any-bank transfer.
Central Asia runs almost entirely on named bank transfer — Kazakhstan across ten banks including Halyk, Kaspi and Sberbank KZT, Kyrgyzstan across Bakai24, Halyk, Demir and OpDma24, Uzbekistan across Agrobank, Hamkobank, Xaiq Bank and SQB — each alongside standard cards. Singapore runs bank transfer across its five major banks (DBS/POSB, UOB, OCBC, Standard Chartered, Maybank) plus cards. Cards are the standard rail in the region's developed markets — Australia, Japan, New Zealand, Georgia and Azerbaijan clear on Visa, Mastercard, Apple Pay and Google Pay without a local alternative layered on top.
A merchant should expect QR and wallet checkout to convert best in South and Southeast Asia — India, Malaysia, Thailand — where those rails are the customer default, named bank transfer to carry Central Asian markets, and a standard card flow to work end to end in the region's developed economies. Settlement runs in local currency throughout — INR, MYR, THB, PKR, SGD, KZT, KGS, UZS, AUD, JPY, NZD, GEL and AZN.
The region's breadth also means it carries the widest currency and method spread of anywhere in our coverage — thirteen markets, thirteen currencies, and four distinct rail families (real-time wallet, QR, named bank transfer, and standard cards). Routing is built per market rather than per sub-region, so a customer in Bangkok sees ThaiQR and a customer in Astana sees Kazakhstani bank transfer, without either integration path touching the other.
Asia-Pacific markets
Payouts in Asia-Pacific
Payouts clear through the same rail each market's pay-ins run on — UPI or Google Pay/Paytm/PhonePe in India, named bank transfer in Malaysia, Thailand, Singapore, Kazakhstan, Kyrgyzstan and Uzbekistan, and standard card-adjacent bank rails in the region's card markets — so a payout reaches a customer through infrastructure they already use. A payout to a Malaysian bank account names the receiving bank explicitly; there's no generic "Malaysia bank transfer" option that skips that step.
Onboarding tends to hinge on which sub-region carries most of a merchant's volume, since that decides which rail family gets underwritten first. A business mostly serving Indian customers is reviewed against UPI's transaction patterns; one mostly serving Singapore and Australia is reviewed closer to a standard card-market profile. Most merchants land somewhere between the two.
Frequently asked
Does UPI work outside India?
No — UPI is India's national real-time payment system and applies to that market only. Elsewhere in Asia-Pacific we route through each market's own local rail: DuitNow QR in Malaysia, ThaiQR in Thailand, JazzCash in Pakistan, and named bank transfer across Central Asia.
Why does Malaysia list nine different banks?
Malaysian bank transfer runs through named domestic banks rather than one universal rail — Maybank, CIMB, Public Bank and the others each require their own routing. We cover the full set so a pay-in clears regardless of which bank a customer holds.
Are cards available in every Asia-Pacific market?
Cards are the standard rail in the region's developed markets — Australia, Japan, New Zealand, Georgia and Azerbaijan. Elsewhere, local wallets, QR and named bank transfer carry pay-ins, sometimes alongside cards.