Online payments
Accept customer payments through a modern API and supported checkout experiences.
- Card payments
- Digital wallets
- 3-D Secure where applicable
- Transaction status management
Payment infrastructure · Hong Kong
Payments that keep business moving.
Accept cards and digital wallets, manage payment operations and connect your business to modern payment infrastructure through a single integration.
Built for eligible businesses that value reliable technology, clear operations and compliance-led onboarding.
View API documentation (opens in a new tab)Merchant applications are subject to eligibility, compliance review and approval. Payment method availability varies by market and merchant configuration.
- Hong Kong-based
- Licensed Money Service Operator
- API-first integration
- KYB / KYC onboarding
- Secure payment flows
Payment methods
Let customers pay the way they expect.
Offer familiar card, digital wallet and local payment experiences through a payment setup tailored to your business, market and customer base.
Availability is subject to merchant eligibility, integration configuration and market support.
Explore payment methodsCards
- UnionPay
Digital wallets
- AlipayHK
- WeChat Pay
Local payment methods
- FPS
Why Rainbow Pay
Payment infrastructure you can explain to your board.
Serious businesses choose a payment provider on more than price. They need to know who they are working with, how the service is run and what happens when something goes wrong.
A regulated Hong Kong entity
Rainbow Pay Limited is incorporated in Hong Kong and licensed as a Money Service Operator. Our licence can be verified on the public register.
Global cards, Asian payment habits
International card schemes alongside the wallets and local methods customers in Hong Kong and across Asia use every day, subject to configuration.
One API for the whole lifecycle
Payments, refunds, two-step confirmation, disputes, balance and payouts share one authentication model and one set of conventions.
Compliance built in, not bolted on
Due diligence happens before you go live and continues afterwards, so your payment setup stays sound as your business grows.
Status you can rely on
Every payment has an explicit state and a token, delivered to your server by callback and retrievable at any time.
People who answer
Sales, support, compliance and security each have a named channel, and complaints follow a documented process.
Platform
One payment platform. The operations you need.
Recurring payments
Support repeat billing and stored payment references for eligible payment configurations.
- Recurring payment tokens
- Repeat billing flows
- Payment status notifications
Payment operations
Handle the payment lifecycle from authorisation through refund and dispute workflows.
- Payment lookup
- Refunds
- Two-step payment confirmation
- Dispute information
Business payouts
Initiate supported payout operations through the Rainbow Pay API.
- API-based payouts
- Status callbacks
- Supported currencies and corridors subject to availability
Payment lifecycle
Every step of a payment, accounted for.
From the moment your server creates a payment to the day it is reconciled, each step has a clear owner and a clear status.
- 01
Create
Your server creates the payment with an amount, currency, order number and callback URL.
- 02
Authenticate
The customer pays with a configured method; 3-D Secure runs where required.
- 03
Confirm
The payment reaches a final state. Two-step payments wait for your confirmation.
- 04
Notify
Rainbow Pay posts the status to your callback URL and returns the customer to your site.
- 05
Operate
Refund in full or in part, look up any payment and review dispute information.
Integration
Integrate the way your product needs.
Hosted CheckoutA Rainbow Pay-hosted payment experience designed to minimise integration complexity.API IntegrationUse the Rainbow Pay REST API for deeper control of payment workflows.Recurring PaymentsUse token-based payment flows for supported repeat-payment use cases.
The PCI DSS requirements applicable to a merchant depend on how payment data is collected, processed, stored and transmitted and on the merchant's integration architecture. The PCI DSS scope applicable to a merchant depends on the integration architecture and merchant environment.
Developers
Built for developers.
Create payments, manage refunds, receive transaction updates and build payment operations directly into your product.
- REST API
- Sandbox
- Webhooks
- Recurring payments
- Refunds
- Payouts
- Disputes
POST/api/v1/payments
curl "$RAINBOWPAY_API_BASE/api/v1/payments" \
-X POST \
-H "Authorization: Bearer YOUR_PRIVATE_KEY" \
-H "Content-Type: application/json" \
-d '{
"product": "Order RP-10428",
"amount": 125000,
"currency": "HKD",
"orderNumber": "RP-10428",
"callbackUrl": "https://merchant.example/payments/callback",
"redirectSuccessUrl": "https://merchant.example/checkout/success",
"redirectFailUrl": "https://merchant.example/checkout/failed",
"locale": "en"
}'Example request with fictional values. Keep your private key on your server. Supported currencies and methods depend on your merchant configuration.
Solutions
Payment infrastructure for everyday commerce.
E-commerce & RetailMake checkout straightforward across web and mobile commerce.SaaS & SoftwareSupport one-time and recurring payments for software and digital business services.Professional ServicesCollect payments for business and professional services through structured payment workflows.EducationProvide convenient online payment options for eligible education and training providers.Hospitality & Food ServicesAccept digital payments for hospitality, food and service businesses.Logistics & DeliveryConnect payment flows with modern logistics and service platforms.
Onboarding
A clear path from application to production.
- 1
Tell us about your business
Company details, website, operating markets and expected payment profile.
- 2
Compliance review
Rainbow Pay performs KYB/KYC and evaluates the proposed payment setup.
- 3
Integration
Use the appropriate hosted or API-based integration.
- 4
Go live
Production capability becomes available after compliance, commercial and technical approval.
Every application is reviewed individually. Submitting an application does not guarantee approval, and the time a review takes depends on the business and the information provided.
Compliance
Compliance is part of the payment flow.
Rainbow Pay applies compliance-led onboarding and ongoing controls appropriate to its services, merchant relationships and regulatory obligations.
Rainbow Pay Limited is licensed as a Money Service Operator under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615) and supervised by the Hong Kong Customs & Excise Department.
Verify MSO registration → (opens in a new tab)KYB & KYC
Corporate and beneficial ownership information is reviewed as part of merchant onboarding.
AML / CFT
Relevant money service activities are operated within Rainbow Pay's applicable Hong Kong AML/CFT framework.
Payment security
Payment integrations should be designed to minimise unnecessary exposure to payment data and follow applicable card-industry security requirements.
Transaction oversight
Payment activity may be reviewed in accordance with compliance, risk and partner requirements.
FAQ
Questions businesses ask first.
What is Rainbow Pay?
Rainbow Pay is the trading name of RAINBOW PAY LIMITED (彩虹匯有限公司), a payment technology and money services company incorporated in Hong Kong in 2021 (Company No. 3040501).
It is licensed as a Money Service Operator under the AMLO (Cap. 615) and supervised by the Hong Kong Customs & Excise Department. It provides eligible businesses with online payment acceptance, hosted checkout, a payments API and business payouts.
What types of businesses can apply?
Registered businesses that sell goods or services online can apply. Each application is assessed on its legal structure, ownership, business model, products, customer markets and processing history.
Some business types cannot be supported under our risk policy or the rules of the card schemes and our acquiring partners. If you are unsure, contact sales with a short description of your business.
What payment methods are available?
Rainbow Pay currently presents card payments through Visa, Mastercard, American Express, UnionPay and JCB and digital wallet payments through Apple Pay, Google Pay, AlipayHK and WeChat Pay for online checkout.
Availability is subject to merchant eligibility, integration configuration and market support. The methods enabled for your account are confirmed during onboarding. See Payment methods for details.
Does applying guarantee approval?
No. Every application is subject to compliance review and to commercial and technical approval. We may decline an application, or approve it with conditions, based on the outcome of that review.
What integration methods are available?
Hosted Checkout: you redirect the customer to a payment page hosted by Rainbow Pay, and they return to your success or fail URL. Card details are entered on our page, not yours.
API integration: your server calls the Rainbow Pay API directly for payments, refunds, two-step payments, recurring payments and payouts. Sending raw card data from your own server requires Rainbow Pay approval and brings your systems into PCI DSS scope.
See the integration guides and the API documentation (opens in a new tab).
Pricing
Pricing tailored to your payment setup.
We don't publish a single rate card, because the right terms depend on how and where your business takes payments. You receive a proposal after we understand your setup.
Request pricingCommercial terms may depend on:
- Payment method
- Processing volume
- Market
- Currency
- Integration model
- Risk and compliance profile
- Settlement requirements
Ready to discuss your payment setup?
Tell us how your business accepts payments today and what you need from your next payment integration.