Allinpay | Merchant card terminals and wallet payments
Accept Visa, Mastercard, UnionPay and Hong Kong and mainland wallets on one terminal. We help with Allinpay applications, fee comparisons and installation.
Supports: Visa · Mastercard · JCB · AMEX · UnionPay · Diners Club · Discover · WeChat Pay · Alipay
Allinpay is a major licensed payment institution in mainland China. Its Hong Kong operations provide aggregated acquiring for local retailers, restaurants and service businesses: one contract and one terminal for international cards, UnionPay and QR-code wallets, with consolidated settlement and reconciliation.
If many of your customers are mainland visitors, or you want to add UnionPay, WeChat Pay and Alipay alongside Visa and Mastercard, Allinpay is worth comparing. Our one-stop service helps prepare documents and submit applications, alongside comparisons with other bank card terminal plans for your business.
- Express account opening: ready in around three working days at the earliest with complete documents
- Professional Hong Kong customer service team
- Mobile terminals for payments away from the counter
- International cards and Hong Kong and mainland wallets on one device
About Allinpay
Allinpay Network Services was established in October 2008 and is headquartered in Shanghai. In May 2011 it became one of the first institutions licensed by the People's Bank of China for payment services, including internet payments, nationwide bank-card acquiring, and prepaid-card issuance and acceptance. Its licence has been successfully renewed several times.
The group has provincial branches across mainland China and operations in Hong Kong, Singapore and other locations, working with international partners.
Allinpay merchant services in Hong Kong
According to its merchant terms, Hong Kong merchant services are provided by the affiliate Allinpay Merchants Services Company Limited . Its parent, Allinpay Network Services Co., Limited, is a member of Visa, Mastercard, JCB, UnionPay International, Discover Global Network and Diners Club International, and works with WeChat Pay Hong Kong and Alipay Payment Services (HK) on card and QR-payment authorisation, clearing, settlement and disputes.
Allinpay payment methods: cards, UnionPay and wallets
Allinpay combines major card networks and wallets on one platform. Select the payment methods your customers need on the application form. Adding card types later may incur extra charges, so consider your requirements at the outset.
| Category | Payment method | Typical customers |
|---|---|---|
| International credit and debit cards | Visa, Mastercard, JCB, American Express, Diners Club, Discover | Local customers, overseas and Japanese visitors, and business travellers |
| UnionPay payments | UnionPay cards | Mainland visitors and local UnionPay cardholders |
| QR-code wallets | WeChat Pay and Alipay | Mainland visitors and Hong Kong wallet users |
| Mobile contactless payments | Apple Pay, Google Pay | Younger customers who prefer tapping their phones |
*Refer to official Allinpay information. Actual activation depends on the application and approval.
Allinpay welcome offers and card transaction fees
Merchant welcome offers (for reference)
- WeChat Pay / Alipay / UnionPay: fees from 1%
- Visa: from 1.5%
- Diners Club / Discover: from 1.85%
Actual rates, offer periods and other charges are subject to Allinpay approval and the signed contract.
How are transaction fees calculated?
Card transaction fees are the Merchant Discount Rate (MDR) , a percentage deducted before settlement. With aggregated acquiring, each payment method may have its own rate. Compare the overall cost based on your customers' payment mix rather than looking only at the lowest advertised rate.
| Payment method | Share of sales | Transaction amount | Reference rate | Fee |
|---|---|---|---|---|
| Visa | 40% | HK$40,000 | 1.5% | HK$600 |
| UnionPay | 20% | HK$20,000 | 1% | HK$200 |
| WeChat Pay / Alipay | 30% | HK$30,000 | 1% | HK$300 |
| Diners Club／Discover | 10% | HK$10,000 | 1.85% | HK$185 |
| Total | 100% | HK$100,000 | Average approximately 1.29% | HK$1,285 |
*Calculation example only. Ask us for rates for Mastercard, JCB, American Express and other cards not listed.
Charges to confirm before signing
- Actual MDR for each method and standard rates after promotions end
- Monthly service fees, rental or deposits
- Installation, account-opening and administration charges
- Settlement schedule and account arrangements
- Contract term and early termination conditions
For more on charges and calculations, see the homepage's Understanding transaction fees, monthly charges and other costs .
Allinpay terminal features
According to Allinpay, its smart terminals for physical shops support traditional swipe and chip payments along with newer payment features:
- Contactless payments: Customers tap a card or phone for faster transactions
- PIN- and signature-free small payments: No PIN or signature for eligible small transactions, helping queues move faster
- QR-code payments: Accept WeChat Pay, Alipay and other QR payments
- Pre-authorisation: Reserve an amount before settlement, useful for hotels, rentals and deposits
- Tipping: Suitable for restaurants, beauty salons and service businesses
- Dynamic Currency Conversion (DCC): Overseas cardholders can choose to pay in their home currency
- MIS and POS checkout: Work with checkout systems for consolidated settlement and reconciliation
Wireless terminals and mobile collection
Allinpay mobile terminals take payments away from the counter, including restaurant tables, retail queues, exhibition stalls and short-term events. To compare other wireless and mobile options, see our terminal types comparison .
Online card payments
Allinpay also offers online card payments in multiple currencies, with APIs for a merchant-built gateway or redirects to Allinpay's gateway. This can suit online stores, travel agents and businesses collecting remotely. For remote collection, also compare mobile payment app .
Which businesses suit Allinpay?
- Tourist-area retail: Pharmacies, cosmetics shops, jewellers, watch retailers and electronics shops often need UnionPay and Hong Kong and mainland wallets
- Restaurants: Mobile terminals, tableside payment and tipping can be planned alongside a restaurant POS system as a combined solution
- Hotels, guesthouses and rentals: Pre-authorisation helps manage deposits
- Beauty, aesthetics and fitness: Accept different cards and wallets for higher-value services
- New businesses: Quick account opening and activation of multiple methods to fit your opening schedule
- Small shops and SMEs: One terminal for several methods saves counter space and simplifies reconciliation
Allinpay versus other card terminals: which suits you?
Each option suits different merchants. This comparison can help you assess Allinpay initially; we can prepare detailed quotations together.
| Comparison | Allinpay aggregated acquiring | Bank card terminal | Octopus payments |
|---|---|---|---|
| Main payment methods | International cards, UnionPay, WeChat Pay, Alipay and others | Mainly international credit and debit cards | Octopus cards and mobile Octopus wallets |
| Advantages | Hong Kong and mainland payment methods on one device, with relatively quick account opening | Negotiating room for higher-volume merchants | Widely used for frequent small local payments |
| Suitable businesses | Merchants serving many visitors or diverse payment preferences | Established businesses with stable turnover | Restaurants, shops and convenience stores |
| Learn more | This page | Card terminal applications | Octopus electronic payments |
Many merchants combine Allinpay for cards and wallets with an Octopus reader for small payments and a POS system for unified reconciliation. See six key card terminal comparisons .
Applying for Allinpay: process and documents
Application process
- Request a quotation: Provide your industry, shop address, estimated monthly sales and main payment methods.
- Select payment methods: Choose the cards and wallets to activate and the number of terminals.
- Prepare documents: We provide a checklist and help prepare the application form.
- Submit for approval: Allinpay reviews merchant details and business activities.
- Contract and installation: Once rates and terms are agreed, arrange terminal configuration and test transactions.
- Start collecting: With complete documents, service may be available in around three working days at the earliest, subject to approval.
Common document requirements
- Copy of a valid Business Registration Certificate (BR)
- Certificate of Incorporation (CI) for limited companies
- Identification for proprietors, directors or authorised persons
- Company bank-account details for settlement
- Shop photographs of the frontage, sign and checkout, plus address proof
- Product or service details, such as prices, menus or a website
*Allinpay determines the required documents. Some industries may need additional information.
FAQs: Allinpay
What is Allinpay?
Allinpay Network Services was founded in October 2008 in Shanghai. In May 2011 it became one of the first payment institutions licensed by the People's Bank of China, including for nationwide bank-card acquiring. The group has operations in Hong Kong, Singapore and elsewhere. Its affiliate Allinpay Merchants Services Company Limited provides Hong Kong merchant services.
Which payment methods does Allinpay support?
Official information lists Visa, Mastercard, JCB, American Express, Diners Club / Discover, UnionPay, WeChat Pay, Alipay, Apple Pay and Google Pay. Available activation depends on the methods selected in the merchant application and approval.
How long does account opening take?
Some merchants with complete documents may start in around three working days at the earliest. Actual timing depends on the industry, documents and Allinpay approval.
What are Allinpay transaction fees?
Fees vary by payment method. Reference welcome rates on this page start at 1% for WeChat Pay, Alipay and UnionPay, 1.5% for Visa, and 1.85% for Diners Club and Discover. Actual rates, periods and other charges depend on approval and the signed contract.
Are welcome rates permanent?
The offers shown are for reference. Actual MDR and promotional periods depend on the signed contract and Allinpay approval.
Which merchants suit Allinpay?
It particularly suits shops, restaurants, jewellers, watch retailers, pharmacies, salons and hotels serving mainland visitors or Hong Kong and mainland wallet users, as well as SMEs and new businesses needing international cards, UnionPay and QR payments on one terminal.
Does Allinpay offer wireless or mobile terminals?
Allinpay offers smart terminals for payments away from a fixed checkout, including tableside payments, exhibitions and multiple payment points within a shop. Models and connectivity depend on the quotation.
Can Allinpay take online payments?
Official information describes online card payments in multiple currencies, with APIs for a merchant-built gateway or redirects to Allinpay's gateway. Online store integration requires a separate assessment.
What documents are needed for Allinpay?
Common requirements include BR, CI for limited companies, proprietor or director identification, company bank-account details, shop photographs, address proof and product or service information. Allinpay determines the final checklist.
More questions? Contact us for an Allinpay quote or browse More card terminal and Octopus FAQs .
Want to compare Allinpay with other terminal transaction fees and monthly charges? Leave your details for a prompt quotation.
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