Serving over 59,500 merchants
Making payments can be easy
Over 97% of merchants have felt distressed about paying expenses. Our Pay-Out services bring a different perspective.
Our full stack payout capabilities
KPay Business Account
Connect to Bank
The KPay Business Account for SMEs
Open your KPay Business Account in as fast as 2 days—with no minimum balance, monthly fees or hidden costs. Enjoy T+1 settlements, low-cost transfers and remittance, and holistic expense management.
Explore Fast Payment Account 
End-to-end expense management
Save up to 480 hours and HKD 33,600 annually
Smart bill scanning
- Scan or upload your bills and invoices
- Skip triple-checking bank account numbers and addresses
- Process your payouts with precision
Centralised digital bill management
- Improve efficiency of payment
- Review all expenses with ease
Fast local and global transfer
- Send funds in 18 currencies to 17 countries
- Up to 90% cheaper than traditional banks
- Funds arriving as soon as the same day
- Instant or scheduled payments as needed
Data and insights for growth
- Key business insights for a business overview
- Streamline auditing and tax filing with downloadable statements and transaction records
All payments on
one platform
Tired of managing multiple payment tools? Handle everything payments, your ins and your outs in on one platform.
Payroll
Supplier bills
Daily expenses
Unparalleled security
Take charge of your financial operations with advanced security and customised permissions. Retain full control over every transaction.
User management
Device management
Customised payout approval flow
Listen to our merchants
Good Taste Kitchen
KPay Business Account supports T+1 express settlement. I can get the fund the next day, improving the fund flexibility by 60%.
Products used:
+60%
Settlement efficiency
+50%
Bill payment efficiency
Streamline your pay-out with KPay Business Account
FAQ
What are the advantages of KPay's payment services?
We understand the various challenges merchants face when applying for KPay Business Account, processing invoices, and handling payments. Therefore, our KPay Business Account supports a fully online application process, allowing for fast account opening without the need to submit any additional documents. In addition to the immediate upgrade to T+1 settlement services*. The account offers merchants a range of features and services, including transaction management, multi-currency transfers, and financial data analysis, ensuring a seamless and efficient financial management experience.
*Applicable to merchants currently on T+2 settlement.
*Applicable to merchants currently on T+2 settlement.
Is a KPay Business Account the same as a regular business bank account?
The currency exchange and remittance functions within the KPay Business Account are provided by Airwallex (Hong Kong) Limited (Money Service Operator Licence: 16-09-01929).
KPay is not a bank or a stored value payment tool provider. The services for processing transactions and withdrawing funds through a KPay Business Account differ from those of a traditional business bank account. Funds held in a KPay Business Account do not earn any interest. Additionally, a KPay Business Account only accepts legitimate business transaction payments collected through KPay's payment tools and bank accounts with the same name as the merchant.
KPay is not a bank or a stored value payment tool provider. The services for processing transactions and withdrawing funds through a KPay Business Account differ from those of a traditional business bank account. Funds held in a KPay Business Account do not earn any interest. Additionally, a KPay Business Account only accepts legitimate business transaction payments collected through KPay's payment tools and bank accounts with the same name as the merchant.
How do I activate a KPay Business Account and connect to a bank?
Any KPay merchant is eligible to apply for the KPay Business Account and bank connection services. Merchants can fill out their business information and submit the form here, after which our business sales manager will contact you promptly to arrange the activation process.
Can I use a KPay Business Account and Connect to Bank without a KPay Business Account?
Merchants do not need to have any KPay Business Account to use the KPay Business Account and Connect to Bank services. However, during the account application process, merchants must still go through the Know Your Customer (KYC) procedure to be approved for the KPay Business Account.
Is there a fee to activate a KPay Business Account?
Currently, KPay offers merchants a limited-time account opening promotion. By paying a package fee of HKD 1,200, you can activate a KPay Business Account and enjoy the following four promotional benefits:
1.Upgrade to T+1 settlement.
2.Enjoy monthly merchant discount rate rebate of Visa and Mastercard up to 0.1%.
3.Free 250 HKD FPS transactions. (worth HKD 1,250)
4.Enjoy HKD FPS / ACH special price
1.Upgrade to T+1 settlement.
2.Enjoy monthly merchant discount rate rebate of Visa and Mastercard up to 0.1%.
3.Free 250 HKD FPS transactions. (worth HKD 1,250)
4.Enjoy HKD FPS / ACH special price
Every payment secured
