Tap-to-pay in Hong Kong, without the infrastructure project
Hong Kong is in beta with an HKMA Stored Value Facility (SVF) sponsor confirmed. It is one of the most card-mature markets in Asia, with UnionPay and the global schemes all in heavy use, plus FPS and the major mainland wallets for cross-border traffic.
A distinctive feature of the Hong Kong deployment is dual-currency payout: platforms can settle to operating accounts in either HKD or USD, which suits regional businesses that keep treasury in dollars. Tapped handles the FPS connection, wallet acceptance, and scheme certification so your platform ships acceptance without standing up local banking infrastructure.
SVF sponsor confirmed. Dual-currency payouts (HKD and USD) to platform operating accounts are available.
Local payment rails we support in Hong Kong
Cards alone do not win a market in Asia. Tapped exposes the domestic rails Hong Kong merchants actually expect, through the same SDK as card acceptance:
| Rail | What it covers |
|---|---|
| FPS | The Faster Payment System — real-time clearing in HKD and CNY addressed by phone, email, or QR. |
| WeChat Pay HK | Dominant cross-border and local wallet, essential for mainland-visitor and local retail traffic. |
| Alipay HK | Widely accepted local wallet with strong penetration in F&B and convenience retail. |
Card schemes certified for Hong Kong
Every kernel we ship for Hong Kong is production-certified at the scheme layer before the market goes live — Visa VCPS / L3 EMV Contactless, Mastercard M/Chip and PayPass, JCB J/Speedy, and UnionPay UPI QuickPass as applicable. Certified schemes here:
- Visa
- Mastercard
- JCB
- UnionPay
Kernel renewals and updates ship as a platform release — you inherit them without re-certifying.
Regulation & licensing in Hong Kong
Tapped operates in Hong Kong under Hong Kong Monetary Authority (HKMA) supervision, with a published licensing posture of SVF partner. Your merchants onboard as sub-merchants beneath that arrangement, so you do not need to hold your own payment licence to go live.
We are PCI-DSS Level 1 attested annually, SOC 2 Type II, and ISO 27001 certified, with regional data controls applied where the regulator or sponsor bank requires it.
Settlement & payouts
Standard settlement in Hong Kong is T+0 / T+1, paid out in Hong Kong dollar (HKD). The blended processing rate is 2.75% — full per-market rates are on the pricing page, with nothing to negotiate.
Who builds on Tapped in Hong Kong
Tapped is built for vertical SaaS platforms that want to embed payment acceptance into their own product — not for individual merchants. Common deployments in Hong Kong:
- Restaurant & F&B platforms — tap at the table or counter on the staff's own phone.
- Salon, wellness & booking platforms — collect payment inside the booking flow.
- Field-services & delivery platforms — accept payment at the customer's door on a rider device.
- Healthcare & clinic platforms — copay and consultation collections.
- Hospitality & PMS platforms — folio checkout at the front desk.