# Business Introduction

## Acquiring Business Introduction

### PayerMax Global Acquiring Solution

PayerMax is committed to building a full-scenario and multi-dimensional payment experience for merchants. We provide tailored payment solutions based on merchants' specific business scenarios. Our channel network covers **over 100** countries worldwide, supporting **20+ languages** and **200+ mainstream payment methods**, including international cards (credit cards & debit cards), local e-wallets, carrier payments, offline convenience store payments and more.

Merchants can quickly integrate via **API** or **H5 checkout page**, realizing seamless order placement on PC and mobile terminals. Meanwhile, the integrated backend enables easy management of reconciliation, settlement and transaction data, empowering cross-border business expansion.

![](https://img-cdn-sg.payermax.com/public/20250826-a935d113-48e1-44ce-b0f3-b9e5d71ab52f.png)

### Core Advantages

1. **Local Expertise: Ultra-high Payment Conversion Rate**
- **Full-channel Coverage**: Supports **200+** payment methods and **70+** settlement currencies with competitive local payment capabilities.
- **Localized Experience**: Multi-language checkout page guidance to fully adapt to local user consumption habits.

2. **Simplified Integration: Launch in 1 Day at the Fastest**
- **Streamlined Access**: Minimal or no integration required to meet diverse business needs.
- **Developer Support**: Full-functional simulation testing available in the Developer Center, with **1-on-1** or **multi-to-1** technical expert guidance to ensure full business logic before launch.

3. **Efficient Settlement & Flexible Fund Management**
- **Automatic Recharge**: Directly credit settlement funds to payout accounts for local fund distribution.
- **Real-time Billing**: Millisecond-level data update in merchant backend with clear reconciliation and settlement data.

4. **Security & Compliance: Robust Risk Control Protection**
- **Real-time Monitoring & Interception**: 24/7 transaction monitoring powered by advanced risk control system to identify and block high-risk transactions effectively.
- **Authoritative Certifications**: Holds payment licenses in key markets and has obtained international security certifications including PCI-DSS v4.0 and ISO 27001 to ensure fully compliant transactions.

## Integration Guide: From Business Selection to Technical Access

::: tip  
To view the product payment process, you can click on [Product Demo](https://docs.payermax.com/payDemo/index.html) in the upper right corner first.
:::

### 1. Step 1: Select Your Business Solution
Choose the most suitable product solution according to your collection scenarios.

::: warning  **Quick Selection Guide**
1. **One-time Payment**
Applicable to one-time purchases, game top-ups, e-commerce checkout
    - **Product Overview**: Global one-time payment collection via bank cards, e-wallets, convenience stores, carrier payments and other methods
    - **Available Integration Modes**:
[1. Checkout Mode](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/cashier-payment/payermax-checkout.md)  [2. Direct API Mode](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/API/card.md)  [3. Drop in Mode](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/drop-in/card.md)  [4. Pay-by-Link Mode](https://docs.payermax.com/en/202606-version/acquiring/start-integration/create-payment/paybylink.html)

2. **Recurring Subscription**
Applicable to monthly membership, short drama services, insurance auto-renewal
    - **Product Overview**: One-time user authorization for automatic deduction at fixed cycles (Daily/Weekly/Monthly/Yearly)
    - **Integration Guide**: [Recurring Subscription Integration](https://docs.payermax.com/en/202606-version/receipt/subscription/subscription-integration.md)

3. **Non-recurring Direct Debit**
Applicable to ride-hailing, shared power banks, contactless payments
    - **Product Overview**: One-time user authorization, merchants initiate irregular deductions based on business demands without repeated user confirmation
    - **Integration Guide**: [Non-recurring Direct Debit Integration](https://docs.payermax.com/en/202606-version/acquiring/start-integration/subscription-and-auto-debit/non-periodic-auto-debit.md)
:::

### 2. Step 2: Choose Integration Solution

#### 2.1 Merchant-customized Checkout (Recommended for APM Payment Methods)

::: tip  
Optimal solution for local payment methods
:::

- **Overview**: Merchants provide entrance for specific payment methods. After users click to pay, most payment methods such as e-wallets and bank transfers will redirect to the dedicated payment page without displaying the standard PayerMax checkout page.
- **Core Advantages**:
  - **Simplified payment flow and improved conversion**: After selecting the payment method, the corresponding payment page is launched directly. It **eliminates the secondary selection step on the PayerMax checkout page**, shortens the redirect path, and effectively improves payment success rate and order conversion rate.
  - **Flexible scenario adaptation and merchant autonomy**: CMerchants can independently configure **the display order and available types of payment methods**, customize checkout rules as needed, and enjoy higher flexibility for business adaptation.
- **Supported Payment Methods**: All payment methods (local e-wallets, bank cards, etc.)
- **Integration Difficulty**: 🟡 Medium

- **Process Example**:

![](https://img-cdn-sg.payermax.com/public/20251009-9ba09d1b-5927-4e7d-9fd7-548a6709e302.png)

> [View Integration Docs](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/cashier-payment/merchant-customized-checkout.md)  

#### 2.2 PayerMax Checkout
::: tip Fast launch with zero compliance pressure
:::

- **Overview**: Merchants only need to add a payment entrance. Users will be redirected to the PayerMax secure checkout page to complete payments.
- **Core Advantages**:
  - **Smart Payment Recommendation**: The pre-built standard checkout page provides personalized payment method recommendations based on users' historical payment habits to shorten selection time and improve payment efficiency & success rate.
  - **Full Terminal Adaptation**: Compatible with PC/H5 and auto-adapts to mainstream global languages.
- **Supported Payment Methods**: All payment methods (local e-wallets, bank cards, etc.)
- **Integration Difficulty**: 🟢 Low

- **Process Example**:

![](https://img-cdn-sg.payermax.com/public/20240813-45d63dee-5bad-4186-8764-38c16ea663b1.jpg)

> [View Integration Docs](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/cashier-payment/payermax-checkout.md)  

#### 2.3 Frontend Component Mode (Recommended for Card Payments)
::: tip Balanced solution for security and user experience
:::

- **Overview**: Embed PayerMax payment components into merchant pages, with sensitive card information fully hosted by PayerMax.
- **Core Advantages**:
  - **Sensitive Data Isolation**: Card details never pass through merchant servers to reduce security risks.
  - **Customized Experience**: Retain brand-customized checkout style while ensuring high security.
- **Supported Payment Methods**: Only Card, Apple Pay, Google Pay
- **Integration Difficulty**: 🔴 High

- **Process Example**:

![](https://img-cdn-sg.payermax.com/public/20250916-14eac8a9-3742-47c0-b595-600fc922a28d.png)

> [View Integration Docs](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/drop-in/card.md)  

#### 2.4 Direct API Mode
::: tip Fully customized solution for brand closed-loop experience
:::

- **Overview**: Merchants build self-operated checkout pages to initiate payments. Users complete the entire payment process within merchant platforms with no redirection.
- **Core Advantages**:
  - **Full Control**: Fully customizable UI/UX for seamless payment flow.
  - **Important Note**: Merchants **must hold valid** [PCI-DSS](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/API/pcidss.md) certification.
- **Supported Payment Methods**: Card, Apple Pay, Google Pay and partial APMs

- **Process Example**:

![](https://img-cdn-sg.payermax.com/public/20250703-d7128b5e-0a63-4743-a1ae-d954cc9cd6a4.png)

> [View Integration Docs](https://docs.payermax.com/en/202606-version/acquiring/start-integration/payment-acceptance/API/card.md)  

#### 2.5 Pay-by-Link
::: tip Zero-code collection, get paid via links
:::

- **Overview**: Generate payment links directly in the merchant backend, distributable via social apps, SMS and emails.
- **Core Advantages**:
  - **Zero Development Cost**: No technical integration required, directly available for operation & customer service teams.
  - **Flexible Distribution**: Ideal for WhatsApp, email and remote collection scenarios.
- **Supported Payment Methods**: All payment methods
- **Integration Difficulty**: 🟢 Extremely Low

- **Process Example**:

![](https://img-cdn-sg.payermax.com/public/20250916-18c6b1ab-2d41-4a9b-9cda-0f8b00f825ac.png)

> [View Integration Docs](https://docs.payermax.com/en/202606-version/acquiring/start-integration/paybylink.md)  

### Step 3: Technical Parameter Comparison (Selection Reference)

| Evaluation Dimension          | Designated Payment Method Checkout | Full Checkout Page                | Direct API Mode                                 | Frontend Component Mode              | Pay-by-Link         |
| ----------------------------- | ---------------------------------- | --------------------------------- | ----------------------------------------------- | ------------------------------------ | ------------------- |
| **Development Workload**      | 🟡 Medium                          | 🟢 Low                            | 🔴 High                                         | 🔴 High                              | 🟢 Extremely Low    |
| **Customization Level**       | 🟢 High                            | 🟡 Medium (Custom Skin Available) | 🟢 Ultra-high                                   | 🟢 High                              | 🔴 Low              |
| **User Redirection**          | With Redirection                   | With Redirection                  | **No Perception / Full Closed-loop**            | **No Perception / Full Closed-loop** | With Redirection    |
| **Supported Payment Methods** | All Payment Methods                | All Payment Methods               | Only Card, Apple Pay, Google Pay & Partial APMs | Only Card, Apple Pay, Google Pay     | All Payment Methods |