Cross-Border Payments
Adaptive Pricing
THE PROBLEM
Your customer is in Manila. Your price is in Singapore dollars. Guess who abandons checkout? When the customer can't tell what they're actually being charged and hesitates, you lose a sale.
Adaptive Pricing removes that friction automatically, showing every overseas customer a price they recognise, while every payment request you create stays priced in your own home currency, with no separate link to manage per market.
Before
Unfamiliar to an overseas buyer
SGD 120.00
SGD 1 = MYR 3.18
Singapore
Malaysia
Philippines
Indonesia
Vietnam
Cards
No foreign entity or foreign bank account needed - turn on any method above straight from your HitPay Dashboard under Payment Methods.
KEY BENEFITS
Turn it on once in Checkout Customisation settings - every hosted checkout session handles the rest.
Better checkout conversion
Customers see a price and payment method they recognise, in their own currency - the difference behind the average 10%+ international revenue lift.
+10%
Avg. revenue lift
Auto-detects location
Shows the amount in the customer’s local currency automatically - no manual setup per country.
Card and cross-border methods, both in local currency
Customers can pay by card, priced in their own currency, or a local method like DuitNow, PayNow, QRPh, QRIS, or VietQR.
You get paid the same way
Payouts always land in your home currency, within 1-3 business days in Singapore, Malaysia & the Philippines - nothing changes in reconciliation.
No code required
Enabled entirely from Checkout Customisation settings in your dashboard - works inside your existing store integration.
Reach customers who don’t pay by card
Accept DuitNow, PayNow, QRPH, QRIS, VietQR and more, making it easier for more customers across Asia to buy from you.
HOW IT WORKS
You price in your home currency exactly as you do today - no separate link per market. Adaptive Pricing handles detection, conversion, and payment method selection the moment a customer opens checkout, with the rate locked for that session. Card still works too, just priced in the customer’s own currency.
Building your own checkout instead of using HitPay’s hosted page? See the Payment Request API.
Payment Request
SGD 120
STEP 01
Create Payment Request
Merchant creates a payment request in SGD 120 — as usual
STEP 02
Customer Opens Checkout
Customer opens checkout — HitPay detects an Indonesian IP
STEP 03
Pay in Local Currency
Customer sees IDR 1,895,000, rate locked at page load — pays by card or QRIS
STEP 04
Merchant Gets Paid in SGD
Customer pays in IDR — merchant is paid out in SGD
GETTING STARTED
01
/ 03
Connect payment methods
Settings > Payment Methods - partner review takes 3–5 business days
02
/ 03
Turn on Adaptive Pricing
Checkout Customisation > Adaptive Pricing - switch on the toggle
SUITABLE FOR
Anyone who wants higher conversion at checkout, without managing a separate payment link per currency.
Cross-Border E-Commerce
Sell to overseas shoppers without creating a separate link per currency.
Online Course Sellers
Let international students check out in a currency they recognise.
Regional Service Providers
Bill clients across markets, and get paid the same way every time.
Racquel Seiff — Founder
Design by Racquel
AVAILABILITY
Adaptive Pricing activates automatically wherever you already collect payments - no separate setup per surface.
FOR DEVELOPERS
Integrate the same adaptive, currency-aware pricing mechanic via the Payment Request API instead of using HitPay’s hosted checkout page.
ONLINE · ADAPTIVE CHECKOUT
Set localised_pricing to enable currency selection on hosted checkout. Test any market with a +location_XX email suffix.
frequently asked questions
Everything businesses need to know before enabling Adaptive Pricing at checkout.
What is Adaptive Pricing?
Adaptive Pricing is a HitPay checkout feature that lets online merchants keep pricing in their home currency while international customers automatically see and pay in their own local currency and preferred local payment methods, such as DuitNow, PayNow, QRPh, QRIS, or VietQR. The merchant always receives their payout in their home currency.
Which customers see the currency selector?
Only customers whose detected country maps to a currency that differs from the merchant’s default currency. Domestic customers, whose currency matches the merchant’s default, see the standard checkout with no currency selector.
How is the exchange rate determined?
The rate is based on the mid-market exchange rate at the time the checkout page loads. The FX rate and associated FX cost are borne by the customer - the merchant always receives their payout in their home currency. The rate is locked for the duration of that checkout session and refreshes only when the customer reloads the page.
Does enabling Adaptive Pricing cost anything extra?
No. Standard payment processing fees apply as normal, and international cards are charged at the standard higher international-card rate. Non-card cross-border payment methods usually cost the merchant less per transaction than a card payment. The FX rate and FX cost are borne by the customer, not the merchant.
What happens if a customer’s currency is not supported?
If the detected currency is not supported, or it matches the merchant’s default currency, the checkout falls back to showing only the merchant’s default currency and payment methods - no currency selector is shown, and the customer pays exactly as a domestic customer would.
Does Adaptive Pricing work with API-created payment requests?
Yes. Payment requests created via the Payment Request API also support Adaptive Pricing on the hosted checkout, as long as Adaptive Pricing is enabled in Checkout Customisation settings. The localised_pricing parameter enables currency selection on the hosted checkout page.
Does Adaptive Pricing work with recurring billing or subscriptions?
No. Adaptive Pricing is currently available for one-time hosted checkout payments only. Recurring billing and subscription charges are out of scope for this feature.
What is the payout timing for payments collected through Adaptive Pricing?
Cross-border payments processed via Adaptive Pricing are credited to the merchant’s HitPay Balance on a next business day basis in Singapore, Malaysia, and the Philippines.
Where is Adaptive Pricing not available?
Adaptive Pricing is not available on the default payment link on a merchant’s account, or on open-amount payment links that have no fixed amount set. It supports hosted checkout, standard payment links with a fixed amount, and API-created payment requests.
How do I turn on Adaptive Pricing?
Go to Settings > Payment Methods and connect the cross-border payment methods to support (partner review takes 3–5 business days). Then go to Settings > Checkout Customisation > Adaptive Pricing and turn on Enable Adaptive Pricing. Save - all hosted checkout sessions activate Adaptive Pricing for international customers automatically.
How do businesses test Adaptive Pricing before going live?
Businesses can simulate a specific country by appending a "+location_XX" suffix to a test customer’s email, where XX is a two-letter ISO country code - for example, test+location_ID@example.com for Indonesia. Entering this in the Payment Request API’s email field, or in the dashboard’s send-by-email flow, makes the checkout present currency and pricing exactly as a customer from that country would see it.
Which cross-border payment methods can appear at Adaptive Pricing checkout?
HitPay surfaces relevant local payment methods based on the customer’s detected country, including DuitNow (Malaysia), PayNow (Singapore), QRPh (Philippines), QRIS (Indonesia), VietQR (Vietnam), and other supported cross-border methods. Merchants see their available methods in the HitPay Dashboard under Payment Methods.
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