WHO IT'S FOR
Vertical SaaS
Clinic, studio, or agency management software that wants billing and payments built in, not bolted on.
Marketplace or Aggregator
You bring buyers and sellers together and need each seller paid out directly, with your take deducted automatically.
Booking & Reservation Platforms
Studios, clinics, and event venues on your platform need deposits, invoices, and recurring charges - not just a one-off checkout.
Agency Tools & CRMs
Client management platforms whose users need to invoice and collect payment from their own customers, in-app.
E-commerce Platform Builders
Store builders whose merchants need local payment methods across Singapore, Malaysia, and the Philippines without a separate integration each.
POS & Hardware Platforms
You supply hardware or software to merchants and want to extend the same integration to in-person WiFi card readers and QR terminals.
YOUR SUB-MERCHANTS MIGHT BE
Registered businesses, not individual consumers
The model is designed for platforms whose end customers are registered businesses in Singapore, Malaysia, or the Philippines - each completing its own verification and receiving its own payouts.
CLINICS & STUDIOS
AGENCIES
E-COMMERCE SELLERS
EVENT ORGANISERS
REGISTERED SMES
SERVICE BUSINESSES
MARKETPLACE SELLERS
"Platforms integrating HitPay's Platform APIs report faster sub-merchant activation - with Business Verification, payouts, and licensing handled entirely by HitPay's compliance team across Singapore, Malaysia, and the Philippines."
Platform Partner · Southeast Asia
Licensed compliance, handled
HitPay holds the MAS (SG), BNM (MY), and BSP (PH) licences and owns KYB/KYC review - your platform never touches sub-merchant verification.
Commission your way
Set a platform-wide percentage Commission Rate, or override per transaction with platform_commission_amount for exact control.
Direct-to-merchant payouts
Funds settle straight to each sub-merchant's own bank account in SG, MY, or PH - commission is deducted automatically, never pooled through your platform.
40+ payment methods, one API
Cards, PayNow, FPX, QRIS, GrabPay, DuitNow, GCash, and more - every sub-merchant checkout supports them without separate integrations.
Subscriptions & invoicing
Weekly, monthly, or yearly subscription charges plus one-off and repeat invoices - built for clinics, studios, and agencies on your platform.
Cross-border reach
Local payment methods across Singapore, Malaysia, the Philippines, Indonesia, Thailand and beyond - one integration, growing coverage.
POS payments too
Create WiFi card reader and QR terminal payments on a sub-merchant's behalf through the same Platform API - no separate hardware integration.
Webhooks built for aggregators
Charge.* events route to your platform's endpoint with a business_id field; payment_request.* events route to the sub-merchant's own endpoint.
No hardware, no licence to hold
Sub-merchants sign up and verify through HitPay's standard flow - no upfront cost to your platform, no licence application of your own.
Reseller Program
Resell HitPay's full payment gateway and POS stack to the businesses you work with and earn recurring commission on every transaction.
Platform API Reference
Full REST reference for sub-merchant authentication, payment requests, commissions, and webhooks across Singapore, Malaysia, and the Philippines.
Do sub-merchants need their own payment institution licence to accept payments through a platform?
No. Sub-merchants operate under HitPay's compliance umbrella once verified. HitPay is the licensed, regulated entity - holding a Major Payment Institution licence under MAS in Singapore, plus licensing with BNM in Malaysia and BSP in the Philippines - so neither the platform nor its sub-merchants need to hold a payment institution licence themselves.
Where do payouts go - to the platform or directly to each sub-merchant?
Payouts go directly to each sub-merchant's own bank account, next business day in Singapore, Malaysia and the Philippines. Funds are never pooled through the platform first. The platform's commission - a percentage Commission Rate or a fixed platform_commission_amount - is deducted automatically before settlement.
Can a platform complete Business Verification on behalf of its sub-merchants?
Today, each sub-merchant signs up and completes Business Verification directly with HitPay, keeping KYB ownership with HitPay and giving the sub-merchant visibility into its own account from day one. Many platforms streamline this by referring merchants straight into HitPay's sign-up flow. Platforms with high-volume onboarding should talk to HitPay's Sales & Partnerships team.
Is there an API for submitting a sub-merchant's KYC or KYB documents directly?
Not yet as a standalone API - Business Verification is currently a dashboard flow completed by the sub-merchant. Platforms with high onboarding volume across Singapore, Malaysia, and the Philippines are encouraged to raise this need with HitPay's Sales & Partnerships team as the Platform API continues to evolve.
Can platforms set commissions per sub-merchant or per transaction?
Yes. Platforms can set a platform-wide percentage Commission Rate under Payments to Settings to Platform, or override it on an individual payment request by passing platform_commission_amount - a fixed amount that takes precedence over the percentage rate for that transaction. This is currently supported for PayNow in Singapore.
What happens if a platform's sub-merchants are based outside Singapore, Malaysia, the Philippines, or Indonesia?
Card payments for sub-merchants outside these four markets are processed through Stripe Standard Connect, which the sub-merchant sets up directly with its own Stripe account. Local payment methods within Singapore, Malaysia, the Philippines, and Indonesia continue to run through HitPay's own licensed rails.
How does a platform get started with HitPay's Platform APIs?
Platforms contact HitPay's Sales & Partnerships team to have their account enabled as a Platform account, which unlocks a Platform API Key and commission settings. Each business the platform brings onto HitPay then signs up for its own sandbox or live account, using the same signup flow as any HitPay merchant.
What payment methods can platforms offer sub-merchants in Singapore?
Sub-merchants in Singapore can accept PayNow, Visa, Mastercard, Amex, GrabPay, ShopeePay, and cross-border wallets like Alipay+ and WeChat Pay through the same hosted checkout - all created via the Platform API using the sub-merchant's Business API key alongside the platform's Platform API key.
What payment methods can platforms offer sub-merchants in Malaysia?
Sub-merchants in Malaysia can accept DuitNow QR, FPX bank transfers, Touch 'n Go eWallet, Boost, GrabPay, cards, and BNPL options like Atome - all through HitPay's hosted checkout, created programmatically through the Platform API on the sub-merchant's behalf.
What payment methods can platforms offer sub-merchants in the Philippines?
Sub-merchants in the Philippines can accept GCash, Maya, QR Ph, InstaPay, PESONet bank transfers, and Visa or Mastercard, all created through the Platform API. Filipino sub-merchants complete the same Business Verification and receive payouts directly to their own bank account, just like sub-merchants in Singapore and Malaysia.
How does authentication work when a platform creates a payment on behalf of a sub-merchant?
Every request includes two headers: X-BUSINESS-API-KEY, the sub-merchant's own Merchant API key generated after verification, and X-PLATFORM-API-KEY, the platform's key issued once the account is enabled for Platform API access. Both are required together to create payment requests, recurring billing charges, or in-person terminal payments.
Does the Platform API support in-person payments for sub-merchants?
Yes. Platforms can create in-person payment requests on behalf of sub-merchants using WiFi card readers and QR terminals, by including both API key headers and passing the sub-merchant's wifi_terminal_id - extending the same integration to businesses with physical locations, like clinics or retail counters.
What does it cost a platform to integrate HitPay's Platform APIs?
There is no separate licensing fee to become a Platform account - platforms earn a commission on sub-merchant transactions rather than paying HitPay a fee to integrate. Sub-merchant transaction pricing follows HitPay's standard rates; see hitpayapp.com/pricing for current details across Singapore, Malaysia, and the Philippines.
Can the Platform Partner Program be combined with HitPay's Affiliate or Reseller programmes?
Yes. The Platform Partner Program is designed to stack with - not replace - HitPay's Affiliate Program and its Reseller Programme in Malaysia. A platform already earning commission through API-created sub-merchant transactions can simultaneously earn affiliate commission on any business it refers directly, under one HitPay partner account.
Still have questions?
Contact our team.
