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hit-payhit-pay/claude-code-plugin/skills/payment-methods/SKILL.md

payment-methods

Skill1 starsChanged 8 months agoMITView on GitHub

Look up HitPay payment methods by country, currency, and provider. Use when user says "which payment methods in Malaysia", "what methods for Singapore", "HitPay payment methods", "payment method lookup", "which QR methods", "supported methods", or "available payment methods".

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SKILL.md

HitPay Payment Methods Reference

Lookup reference for payment methods available across Southeast Asia, India, Australia, and cross-border markets. Maps countries to methods, API values, currencies, and settlement behavior.

When to Apply

  • Developer asks which payment methods are available for a specific country
  • Need the correct payment_methods + currency combination for API calls
  • Determining whether a method settles in local currency or cross-currency
  • Checking if a specific method (e.g., DuitNow, DANA) is available

For live account queries, use the hitpay-api MCP tools: get_account_status shows which providers are enabled, get_supported_qr_methods shows available QR methods.

Country-to-Method Quick Lookup

CountryRecommended QR MethodsCurrency
SingaporePayNow, GrabPay, ShopeePaySGD
MalaysiaGrabPay, ShopeePay, Touch 'n Go, FPXMYR
PhilippinesQR Ph (InstaPay), ShopeePay, GCashPHP
ThailandPromptPay, TrueMoneyTHB
VietnamVietQR, ZaloPayVND
IndonesiaQRISIDR
IndiaUPIINR (settles SGD)
AustraliaPayToAUD
KoreaKCP methodsKRW
Cross-border (Chinese tourists)WeChat Pay, Alipay+CNY (settles SGD)

If the developer doesn't specify a country, ask. The wrong currency will cause the API call to fail.

Payment Method API Values

These are the exact strings to pass in the payment_methods parameter:

Display NameAPI ValueCurrencyNotes
PayNowpaynow_onlineSGDQR-based
GrabPaygrabpaySGD, MYRQR-based
ShopeePayshopee_paySGD, MYR, PHPQR-based
Touch 'n Gotouch_n_goMYRQR-based
FPXfpxMYRBank transfer (redirect), not QR
PromptPaypromptpayTHBQR-based (domestic)
TrueMoneytruemoneyTHBQR-based (domestic)
VietQRvietqrVNDQR-based
ZaloPayzalopayVNDQR-based
QRISqrisIDRQR-based (covers GoPay, OVO, DANA)
QR PhqrphPHPInstaPay rail
GCashgcashPHPQR-based (domestic)
UPIupiSGDCross-currency (INR customer, SGD settlement)
WeChat PaywechatSGDCross-currency (CNY customer)
Alipay+alipaySGDCross-currency (CNY customer)
PayTopaytoAUDBank-initiated payment
CardscardAnyVisa, MC, Amex — redirect checkout

Borderless QR Methods (Cross-Border)

For cross-border payments, some methods use different API codes than domestic. Using the domestic code for a cross-border call will fail.

Display NameBorderless API ValueCountryNotes
PayNowpaynow_onlineSGSame as domestic
GCashgcash_qrPHDifferent from domestic gcash
QR Phqrph_netbankPHSame as domestic
PromptPayopn_prompt_payTHDifferent from domestic promptpay
TrueMoneyopn_true_money_qrTHDifferent from domestic truemoney
QRIS (iFPay)ifpay_qrisIDDifferent from domestic qris
QRIS (DOKU)doku_qrisIDDifferent from domestic qris
Touch 'n Gotouch_n_goMYSame as domestic
ShopeePayshopee_payMultiSame as domestic

Key rule: For borderless, set currency to the merchant's currency (e.g., SGD), not the customer's. The response includes borderless_fx with conversion details.

Cross-Currency Settlement

MethodCustomer PaysMerchant ReceivesFX Applied
WeChat PayCNYSGDAt transaction time
Alipay+CNYSGDAt transaction time
UPIINRSGDAt transaction time
Borderless QRForeign currencyMerchant's currencyAt transaction time
All othersLocal currencySame (local)No FX

Rule: For cross-currency methods, always set currency to the settlement currency (SGD), not the customer's local currency.

Known Unavailable Methods

These are commonly requested but not available as separate methods on HitPay:

Requested MethodCountryAlternative
DuitNowMalaysiaGrabPay, ShopeePay, Touch 'n Go
DANAIndonesiaQRIS (covers DANA wallets)
OVOIndonesiaQRIS (covers OVO)
GoPayIndonesiaQRIS (covers GoPay)
LINE PayThailandPromptPay, TrueMoney
MomoVietnamVietQR, ZaloPay
BoostMalaysiaGrabPay, ShopeePay, Touch 'n Go
PayPayJapanNot available

Common Errors

ErrorCauseFix
"Payment method not available"Provider not enabledEnable in HitPay dashboard, check get_account_status
"Invalid currency"Currency doesn't match methodUse the correct currency from the tables above
"Amount too low"Below minimum thresholdMinimum is usually 1.00 in local currency
Provider in pending[]KYC not completeComplete verification in HitPay dashboard

Detailed Provider Maps

See references/provider-currency-map.md for the full provider-to-method mapping with settlement details for each market.

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