Full-cycle internet acquiring for high-risk merchants —
from KYB onboarding to multi-currency settlement.
Compliant. Fast. Engineered for scale.
Who We Are
Rainbow Pay Limited (彩虹匯有限公司) is a regulated payment institution licensed as a Money Service Operator (MSO) by Hong Kong Customs & Excise — one of Asia's most rigorous financial regulatory frameworks.
We specialise in payment infrastructure for merchants operating in verticals that demand sophisticated risk management, nuanced compliance expertise, and reliable technical execution. Our team combines deep fintech engineering with regulatory knowledge to deliver acquiring solutions that are both effective and defensible.
Why Rainbow Pay
Structured KYB/KYC with a dedicated compliance manager. Most merchants go live within 48 business hours of submitting complete documentation.
No hidden fees, no vague reserve clauses. Every element — MDR, chargeback fees, FX spread, rolling reserve terms — is stated clearly before you sign.
A real integration engineer assigned to your account. REST API, Hosted Checkout, and Payment Links all supported — sandbox access from day one.
We build sustainable merchant portfolios. Our risk models align with scheme standards and are continuously updated — protecting both you and us long-term.
Cascade logic and smart retry mechanisms route transactions to maximise approval rates. Real-time dashboards give you full visibility at all times.
Settle in 30+ currencies with competitive FX rates. T+2 to T+5 standard cycles with faster options available for established, low-risk merchant accounts.
Our Services
Everything you need to accept, process, and settle payments — built for industries that require specialist expertise.
Full-cycle CNP card acceptance for Visa, Mastercard, and local card schemes. Includes MCC assignment, merchant risk profiling, and ongoing portfolio monitoring with scheme-compliant controls.
Generate shareable, tokenised payment links in seconds — no technical integration required. Ideal for low-volume pilots, invoice payments, or markets where full API deployment isn't yet warranted.
Multi-layer fraud screening combining velocity checks, BIN intelligence, device fingerprinting, and behavioural analytics. Rules engine is configurable per merchant, vertical, and geography.
Structured dispute management workflow covering pre-arbitration, representment, and scheme compliance. Rolling reserve policy is transparent, proportionate, and released on schedule.
Accept payments in local currencies and settle in your preferred currency. Transparent FX conversion with competitive spreads. Detailed reporting and reconciliation exports as standard.
Clean REST API with comprehensive documentation. Hosted Checkout for rapid deployment, full API for complete control. Tokenisation, webhooks, and sandbox environment included from day one.
Sectors we serve
All merchant applications are subject to compliance review, KYB/KYC verification, and risk assessment. Approval is not guaranteed. We do not process payments for activities prohibited under applicable law or scheme rules.
Typical Outcomes
Figures below are representative of outcomes observed across our merchant base. Individual results depend on vertical, volume, and operational practices.
A mid-size iGaming operator lost their primary acquirer with 10 days' notice. After structured KYB and integration via our API, processing resumed. Approval rate recovered to above prior baseline within the first settlement cycle.
A digital content subscription platform was approaching scheme chargeback thresholds. We implemented configurable fraud rules, dispute workflow automation, and customer communication tooling. Chargeback ratio declined materially over 90 days.
A licensed FX broker needed to accept deposits in 12 currencies across three regions while settling in USD. We configured multi-currency routing, localised checkout, and automated reconciliation reporting for their finance team.
Frequently Asked
We work with a broad range of merchants, including those in sectors typically classified as high-risk by card schemes — such as iGaming, digital content, subscription billing, forex, and financial services. Each application is individually reviewed against our risk and compliance criteria. We do not accept merchants engaged in activities prohibited by applicable law, card scheme rules, or our internal compliance policy.
Standard documentation includes: certificate of incorporation and corporate structure chart, proof of registered address, identity documents for UBOs (25%+ beneficial ownership), most recent audited financials or management accounts, applicable business licences (e.g. gaming, financial services), and a completed merchant application form. Additional documents may be requested depending on your sector and jurisdiction.
For merchants who submit complete documentation, our target SLA is 48 business hours for a compliance decision. Technical integration typically adds 1–3 business days depending on the integration method chosen (Payment Link, Hosted Checkout, or REST API). Complex corporate structures or higher-risk verticals may require additional review time. Your assigned compliance manager will keep you informed throughout.
We support Visa and Mastercard on both international and local routing. Acceptance currencies include 150+ global and regional currencies. Settlement is available in 30+ currencies including USD, EUR, GBP, HKD, and SGD. Currency availability for specific corridors can be confirmed during your onboarding consultation.
Standard settlement cycles are T+2 to T+5 depending on the merchant's risk profile and volume. Rolling reserve terms are disclosed upfront in the merchant agreement — typically 5–10% held for a 180-day rolling window, reviewed and adjusted as the account matures. We do not apply reserves without transparent contractual basis, and releases are made on schedule.
Three integration paths are available: (1) Payment Links — no code, ready in minutes; (2) Hosted Checkout — redirect-based, minimal dev effort, PCI scope reduction; (3) REST API — full control, custom checkout, card tokenisation, and webhooks. All options include sandbox access, Postman collections, and dedicated integration engineering support.
Chargeback notifications are delivered in real time via webhook and dashboard. Our dispute workflow tool guides you through the representment process with templates and evidence packaging. We monitor CB ratios against scheme thresholds and alert you proactively. Merchants with persistently elevated ratios may be subject to additional controls as required by scheme compliance rules.
Yes. Rainbow Pay Limited is licensed as a Money Service Operator (MSO) by the Hong Kong Customs & Excise Department. You can verify our registration directly on the official HKCED MSO public register. Our full legal name is RAINBOW PAY LIMITED (彩虹匯有限公司), registered in Hong Kong.
Get in Touch
Submit the form and a member of our commercial team will be in touch within one business day. For urgent enquiries, contact us directly by email or Telegram.