Platform Partners
0
Payment licences your platform needs to hold
3
Licensed markets - SG (MAS), MY (BNM), PH (BSP)
40+
Payment methods via one API integration
Direct
Payouts to each sub-merchant’s own bank account
Commission calculator
Set your own Commission Rate. Drag the sliders - the math updates instantly.
One integration
One integration. Every business on your platform gets paid.
The master-sub-merchant model in four steps - HitPay stays the licensed, regulated entity throughout.
Apply for Platform API access
Contact HitPay's Sales & Partnerships team to have your account enabled as a Platform account. This unlocks your Platform API Key and commission settings.
Funds settle directly
Using X-BUSINESS-API-KEY plus your X-PLATFORM-KEY, create payments on the sub-merchant's behalf. Payouts land in their bank account - your commission is deducted automatically.
Sub-merchants onboard directly
Each business on your platform signs up for its own HitPay account and completes Business Verification - KYB/KYC - directly with HitPay's compliance team.
Configure your commission
Set a platform-wide percentage Commission Rate, or pass platform_commission_amount on individual payment requests to earn a fixed cut of that transaction.
Who it’s for
If your software serves registered businesses in Singapore, Malaysia, or the Philippines, the master–sub-merchant model already fits - no payment licence to hold, and no separate integration for each merchant you onboard.
Marketplace or Aggregator
You bring buyers and sellers together and need each seller paid out directly, with your take deducted automatically.
Booking 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
01. The Model
Your platform integrates HitPay once, and every business you serve - clinics, studios, agencies, marketplace sellers - gets a fully licensed way to accept payments, without your platform ever holding a payment institution licence itself. This works through what’s commonly known as a master–sub-merchant or aggregator model: each business signs up, verifies, and gets paid directly by HitPay, while HitPay holds the licences - MAS in Singapore, BNM in Malaysia, BSP in the Philippines - and owns the KYB/KYC review and underlying payment processing. Your platform simply creates payments on their behalf and earns a commission on every transaction.
Earn commission on every transaction - set once, collected automatically
HitPay holds the licences - MAS (Singapore), BNM (Malaysia), BSP (Philippines) - so you don’t have to
Each business you serve completes its own Business Verification (KYB/KYC) with HitPay
Payouts go directly to each business’s own bank account - funds are never pooled through your platform
02. Beyond a Basic Processor
Platforms exploring this model are often replacing a processor that only supports one-off payments. Once a business you serve is onboarded to HitPay, they - and by extension your platform - gain a hosted checkout supporting 40+ payment methods including cards, PayNow, FPX, QRIS, GrabPay, and DuitNow, with zero frontend work required. On top of that sits automated subscription billing on a weekly, monthly, or yearly schedule; one-off and repeat invoicing for service businesses like clinics, studios, and agencies; in-person POS payments via WiFi card readers and QR terminals; and cross-border payment methods across Singapore, Malaysia, the Philippines, Indonesia, Thailand and beyond - all created through the same Platform API.
Online payments - cards, PayNow, FPX, QRIS, GrabPay, DuitNow - zero frontend work
Subscriptions - automated billing on a weekly, monthly, or yearly schedule
Invoicing - one-off and repeat invoices for clinics, studios, and agencies
POS & cross-border - WiFi card readers, QR terminals, and payment methods across SG, MY, PH, Indonesia, Thailand and beyond
03. Built for Developers
Once a sub-merchant is verified, they generate their own Merchant API key under Settings → Payment Gateway → API Keys and share it with your platform. Every request your platform makes on their behalf pairs that key with your own Platform API key - X-BUSINESS-API-KEY for the sub-merchant, X-PLATFORM-KEY for you. Webhooks follow the same split: charge events route to your platform’s registered endpoint with a business_id field identifying the sub-merchant, while payment_request events route to the sub-merchant’s own endpoint - so both sides see exactly what they need, and nothing they don’t. Converting to a Platform Account doesn’t start sending webhooks automatically; you register your endpoints under Developers → Webhooks first.
Authenticate with X-BUSINESS-API-KEY (sub-merchant) + X-PLATFORM-KEY (platform) on every request
Set a platform-wide % Commission Rate, or override per transaction with platform_commission_amount (currently PayNow, Singapore)
Charge.* webhook events route to your platform’s endpoint; payment_request.* events route to the sub-merchant’s
Register webhook endpoints under Developers → Webhooks - this isn’t switched on automatically
Create in-person terminal payments the same way - just pass the sub-merchant’s wifi_terminal_id
04. New
• Beta
The sub-merchant model above is built for onboarding new businesses. But if your platform serves businesses that already run on HitPay, OAuth for Platforms is the faster path: add a “Connect your HitPay account” button, and the merchant authorizes your app once through a standard OAuth 2.0 flow - no API keys change hands. Your platform receives a scoped, revocable access token and can create payment requests, look up charges, and issue refunds on that merchant’s behalf, exactly like the Payment Request API, just authenticated with a Bearer token instead of their business key.
Key use case: connect an existing HitPay merchant to your platform without ever handling their API key
Scoped permissions - business:read, payments:create, payments:read, payments:cancel, payments:refund
Access tokens last a year and refresh automatically - merchants can revoke access anytime from their dashboard
Still earn commission on OAuth-connected merchants by pairing your X-PLATFORM-KEY with the Bearer token
0
Payment licences your platform needs to hold
3
Licensed markets - SG (MAS), MY (BNM), PH (BSP)
40+
Payment methods via one API integration
Direct
Payouts to each sub-merchant’s own bank account
★★★★★
Jovelle — Manager
Singapore
Accounts unified
From sub-merchant onboarding to settled payouts — one integration, one commission model, no licence of your own.
frequently asked questions
The questions Singapore, Malaysia, and the Philippines business owners ask most when evaluating payment solutions — answered clearly.
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?
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Talk to HitPay’s Sales & Partnerships team about enabling Platform API access
For platforms and SaaS products serving businesses across Singapore, Malaysia, and the Philippines.