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.
Core Advantages
- 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.
- 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.
- 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.
- 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
1. Step 1: Select Your Business Solution
Choose the most suitable product solution according to your collection scenarios.
Quick Selection Guide
- 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 2. Direct API Mode 3. Frontend Component Mode 4. Pay-by-Link Mode
- 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
- 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
2. Step 2: Choose Integration Solution
2.1 Designated Payment Method Checkout Mode (Recommended for APM Payment Methods)
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:
2.2 Full Checkout Page Mode
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:
2.3 Frontend Component Mode (Recommended for Card Payments)
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:
2.4 Direct API Mode
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 certification.
Supported Payment Methods: Card, Apple Pay, Google Pay and partial APMs
Process Example:
2.5 Pay-by-Link
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:
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 |