HaiPay vs. Paycosmos Comparison


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About HaiPay is a payment platform for digital businesses that sell across markets. Its merchant dashboard and API support card and local-method acceptance, hosted checkout, payment links, recurring billing, and cross-border payouts. Merchants can offer major card networks and locally preferred methods such as UPI, Pix, MoMo, Alipay, and WeChat Pay, subject to market and account eligibility. Subscription features support recurring charges and configurable billing models; payouts can be sent to bank accounts and e-wallets in supported markets. The platform also provides transaction reporting, settlement and reconciliation tools, webhooks, developer documentation, and a sandbox for testing integrations. HaiPay targets online commerce, game publishers, content and social platforms, and other digital businesses that collect payments internationally or pay customers, creators, sellers, or suppliers.	About Fastest payments in the universe. Latest payment technology. Instant settlement. Increased revenue & cash flow. As a paycosmos merchant, you have the advantage of Instant Merchant Settlement. Paycosmos links your credit card processing to your bank account for Card Present and Card Not Present Solutions. Instant Merchant Settlement is the same as the credit card processing you do today, the only difference is you get paid instantly - 24/7/365. Whether you accept payments in a retail store, out in the field or from your website, we have solutions to fit your business. We offer you emerging & traditional payment options and get you paid faster. Our platform includes PCI Level 1 certification and successful Service Organization Control audits to demonstrate our commitment to data security. We offer transparent pricing or flexibility on alternate pricing models. Instant merchant settlement.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience HaiPay is built for online businesses whose customers pay in many local ways: SaaS and subscription products, apps and games, content and membership services, and platforms that pay out to creators, contractors or suppliers abroad.	Audience Businesses looking for a transparent pricing platform to process credit cards, ACH, and check scanning
Support Phone Support Not Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing 2.5% + $0.30/transaction The blended card rate starts at 2.5% + $0.30 per transaction for eligible merchants; the exact scope is confirmed in the quote. There are no setup or monthly fees. Local payment method rates start at 0.8% and vary by market. IC++ pricing requires at least $1,000 in monthly processing volume. Cross-border and foreign-exchange fees vary by market. Free Version Not Supported Free Trial Not Supported	Pricing No information available. Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 1.0 / 5 ease 1.0 / 5 features 1.0 / 5 design 1.0 / 5 support 1.0 / 5 Read all reviews
	Pros & Cons from Real Users Pros Nothing. We were overcharged. Once Paycosmos conceded that they were overcharging us, we expected that they would promptly issue refunds for the months we were overcharged. However, we had to persistently follow up in order to eventually get refunds processed. The customer service is slow and unhelpful. Cons Overcharged fees, slow to refund once overcharges were acknowledged, poor customer service, slow to get responses
Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported	Training Documentation Supported Webinars Supported Live Online Supported In Person Not Supported
Company Information HaiPay Founded: 2025 Hong Kong www.haipay.net	Company Information paycosmos Founded: 2018 300 E Esplanade Dr #1640, Oxnard, CA 93036 www.paycosmos.com
Alternatives CVPay Fast and Safe Remittance	Alternatives Teya
UQPAY	First Touch Payment Solutions
Alipay Plus Alipay	NETS
Unlimit	eCom Merchant Solutions (eCMS) eCom Merchant Solutions
Ivy View All	KORT KORT Payments View All
Categories Payment Processing Supported	Categories Billing and Invoicing Supported Payment Processing Supported
	Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Supported Receipt Printing Supported Recurring Billing Supported Signature Capture Not Supported Show More Features Billing and Invoicing Features Billing Portal Supported Contact Database Supported Contingency Billing Supported Customer Portal Supported Customizable Invoices Supported Dunning Management Supported Hourly Billing Supported Invoice History Supported Mobile Payments Supported Multi-Currency Not Supported Online Invoicing Supported Online Payments Supported Payment Processing Supported Project Billing Supported Recurring/Subscription Billing Supported Service Ticket Billing Supported Tax Calculator Supported
Integrations Chargeback Gurus Not Supported Club Prophet Systems Not Supported GoHighLevel Not Supported Magento Not Supported OpenCart Not Supported QuickBooks Accountants Not Supported Sage Intacct Not Supported WooCommerce Not Supported	Integrations Chargeback Gurus Supported Club Prophet Systems Supported GoHighLevel Supported Magento Supported OpenCart Supported QuickBooks Accountants Supported Sage Intacct Supported WooCommerce Supported View All 8 Integrations
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