What iPayLinks does

iPayLinks (艾贝盈) is a privately held cross-border payment service provider incorporated in Hong Kong as 香港人人匯科技有限公司 (iPayLinks Limited) and operationally headquartered in Shanghai. Founded in 2015 by Gunther Zhen, the company targets Chinese cross-border e-commerce sellers, B2B foreign trade companies, and adjacent verticals (digital entertainment, aviation/OTA), offering a one-stop platform that unifies multi-currency collection, payment, FX exchange, and value-added services such as VAT payment, export tax rebate (退税管家), and virtual USD card issuance (贝通卡 / VCC).

The platform is built around a cloud-based unified account (统一账户) supporting 22+ currency account opening, 18+ mainstream FX pairs, payments to 72+ countries, and licensed operating coverage spanning 150+ countries and approximately 85% of global markets. iPayLinks operates through four licensed subsidiaries and entities: Paylinks Pte. Ltd. (Singapore MAS Major Payment Institution, PS20200288), iPayLinks Limited (Hong Kong MSO), iPayLinks UK LLP (UK FCA API), and iPayLinks Luxembourg S.a r.l., with US MSB registration. The platform integrates natively with major global marketplaces (Amazon, eBay, TikTok Shop, Shopee, Lazada, Etsy, Shopify, Temu, SHEIN) plus app stores (Google Play, Apple App Store, Steam) and ad networks (Google AdSense, AdMob).

The business model is transaction-fee driven: zero fees on account opening, incoming funds, management, and maintenance, with revenue earned on FX spread (RMB exchange fees) and outbound foreign currency payment fees, supplemented by commissions on VAT payment and export tax rebate services. Go-to-market is a hybrid of digital self-serve (web platform and WeChat mini program) for SMB onboarding and dedicated account managers for enterprise clients, supported by a content-marketing engine (跨境资讯 with 18,687 articles, 跨境课堂 live sessions) and WeChat ecosystem engagement. The company employs 251-500 staff, has been backed by Tencent (Series B lead, January 2018) and Kairous Capital (Series A, July 2016), and in October 2025 took a strategic minority stake in Singapore-based cross-border payment cloud platform EurewaX.

Name

iPayLinks

Legal name

香港人人汇科技有限公司 (iPayLinks Limited)

Website

https://ipaylinks.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

iPayLinks is a Shanghai-headquartered, Hong Kong-incorporated cross-border payment platform founded in 2015 that provides multi-currency collection, payment, FX, and value-added services to Chinese cross-border e-commerce sellers and B2B foreign trade companies across 150+ countries under MAS, HK MSO, UK FCA, and US MSB licenses.

Ownership category

akta.pro rank

Product category

Cross-border Payment Services

akta.pro primary industry

Cross-border Payments, FX & Multi-currency Checkout (CRAFAJAF)

Keywords

• Cross-border payments
• Multi-currency accounts
• Foreign exchange services
• Export collection
• Global acquiring

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Foreign Currency Payment Fees: Fees charged based on different currencies and payment methods for outbound foreign currency transfers
2. RMB Exchange Fees: Fees deducted according to corresponding rates for RMB exchange and settlement services
3. VAT Payment Service: Fees for VAT tax payment services across supported countries (Germany, Italy, France, Spain)
4. Export Tax Rebate Service: Commission for export tax rebate processing service

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

iPayLinks is a one-stop cross-border payment platform that provides Chinese cross-border e-commerce sellers, foreign trade (B2B) exporters, and service trade companies with multi-currency global accounts (18+ currencies, 150+ countries), payment collection from e-commerce marketplaces (Amazon, eBay, TikTok Shop, Shopee, Lazada, Etsy), global card acquiring, outbound supplier payments, real-time currency exchange, VAT payment services (Germany, Italy, France, Spain), and export tax rebate processing. All capabilities are bundled under a single unified account ("一户通") with zero account-opening, incoming, management, and maintenance fees.

Product overview

iPayLinks (艾贝盈) operates as a comprehensive cross-border payment platform offering a unified account (一户通) system that integrates multiple product modules. The core product portfolio centers on three main collection services: 外贸收款 (B2B Export Trade Collection), 平台收款 (E-commerce Platform Collection), and 全球收单 (Global Card Acquiring), supported by 全球付款 (Global Payments), 货币汇兑 (Currency Exchange), and value-added services like 退税管家 (Tax Rebate), VAT Payment, and 贝通卡 Virtual Cards. The platform provides industry-specific solutions for Aviation & Travel and Digital Entertainment sectors. All services are accessible through a single unified account with 7x24 operation capability, coverage across 150+ countries, and support for 22+ global currencies.

Differentiator

Problem solved

Functional benefit

Brands

• 退税管家: One-stop export tax rebate service helping cross-border sellers claim export tax rebates within 3 working days.
• 贝通卡 / VCC贝通卡
• 极速结汇
• 预约付款
• 资金归集 (主子账户)

Products and services

• Export Trade Collection (外贸收款) B2B cross-border trade payment collection service supporting multiple currencies including USD, EUR, GBP, JPY, CAD, AUD with local collection accounts in major markets; features 0 account opening fee and 0 management fee, targeted at Chinese foreign trade companies.
• Platform Collection (平台收款) Cross-border e-commerce payment collection service for marketplaces including Amazon, eBay, TikTok Shop, Shopee, Lazada, and Etsy, supporting 18+ currencies and enabling multi-platform, multi-store unified management for cross-border e-commerce sellers.
• Global Acquiring (全球收单) International card payment acceptance service supporting Visa, Mastercard, American Express, Discover, and European/Japanese local payment methods, designed for merchants expanding overseas with high success rates and low fraud rates.
• Global Payments (全球付款) Cross-border outbound payment service covering 85% of countries worldwide and 72+ nations, enabling batch payments to suppliers and partners with efficient cost and speed for exporters and B2B operators.
• Currency Exchange / Trusted Exchange (货币汇兑) Foreign exchange service supporting 18+ mainstream currencies with real-time exchange rates directly linked to the interbank forex market, offering transparent rates without hidden fees and real-time settlement.
• Export Tax Rebate Service (退税管家) One-stop export tax rebate service for cross-border sellers to regularize tax rebate operations and access national export policy support, with rebate processed within 3 business days.
• VAT Payment (VAT支付) VAT tax payment service supporting multiple European countries including Germany, Italy, France, and Spain for cross-border sellers operating in those markets.
• Letter of Credit Collection (信用证收款) Letter of credit payment collection service for international trade transactions requiring documentary credits, targeted at foreign trade companies using traditional trade finance instruments.
• VCC BeiTong Card (贝通卡 / Virtual Credit Card) Virtual credit card service supporting USD only for cross-border payments, applicable on e-commerce platforms (Amazon, TikTok, Shopee, Walmart, eBay), digital advertising (Facebook, Google, Apple), and cloud services (AWS, Google Cloud, Microsoft Azure).
• Scheduled Payment (预约付款) Scheduled foreign exchange and payment service that locks in a chosen exchange rate and automatically executes payments when funds are deposited within the validity period.
• Entrusted Exchange (委托换汇) Forward exchange service allowing users to set target exchange rates and automatically execute trades when the market rate reaches the specified level, eliminating the need for continuous rate monitoring.
• Fund Aggregation (资金归集 / Master-Sub Account) Master-sub account function enabling the primary account to manage and auto-aggregate funds from multiple subsidiary accounts across different entities with real-time transfers at no fee.
• Fast Settlement (极速结汇) Express RMB settlement service operating 7x24 hours with a 2-hour arrival guarantee, using exchange rates from partner international banks for time-sensitive FX conversion.
• Unified Account (统一账户 / 一户通) Integrated account platform combining cross-border payment collection, payment, exchange, and withdrawal functions, covering all cross-border business scenarios including e-commerce platforms, independent sites, and traditional trade.
• Aviation & Travel Payment Solution (航旅支付解决方案) Payment solution for the aviation, hotel, and car rental sectors featuring anti-fraud systems, customized payment gateways supporting 50+ payment methods, and transaction success rates of 98.2%+ with chargeback rates below 0.5%.
• Digital Entertainment Payment Solution (数字娱乐支付解决方案) Payment solution for the digital entertainment industry covering global payment networks in 150+ countries, offering one-stop bulk distribution with per-transaction costs as low as $3-5 for app developers, gaming platforms, and digital content providers.

Quantifiable outcome

• Zero exchange losses through real-time exchange rates and entrusted exchange feature
• +4 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

Feature7 records

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• XTransfer: Shanghai-based cross-border B2B trade collection platform focused on Chinese SMEs exporting via marketplaces and foreign trade. Competes head-to-head on multi-currency accounts, FX, and FX hedging for SMB exporters.
• LianLian (连连国际): Shenzhen-headquartered cross-border payments provider with very similar product mix (multi-currency collection, FX, global acquiring, VAT service) for Chinese cross-border sellers. Serves nearly identical SMB e-commerce and B2B trade customer base.
• WorldFirst (Ant International): UK-origin cross-border payments platform now owned by Ant Group; provides multi-currency accounts, marketplace collection, and B2B trade payments targeting Chinese exporters — directly overlapping with iPayLinks' product portfolio and customer base.
• PingPong Global / 驼汇通: Adjacent PingPong product lines extend cross-border treasury and VAT services. Comparable to iPayLinks' BeiTong card and tax refund offerings for Chinese exporters.
• PingPong: Hangzhou-based cross-border payment platform serving Chinese e-commerce exporters on Amazon, eBay, Shopify and other marketplaces with multi-currency accounts, FX, and virtual cards. Closest direct competitor to iPayLinks on core product/market fit.

Emerging players

• Airwallex: Hong Kong-headquartered global payments platform with multi-currency accounts, FX, and global acquiring. Competes with iPayLinks on cross-border SMB and enterprise payments, though with broader geographic ambition and a larger enterprise skew.
• Brex: US-based corporate cards and cross-border payments platform with multi-currency accounts and global spend management. Comparable to iPayLinks' BeiTong virtual card and global payments modules for cross-border SMBs.
• Payssion: Cross-border online payment service provider offering local payment method aggregation for e-commerce merchants. Overlaps with iPayLinks' global acquiring and marketplace integrations.

Broad incumbents

• Ant International (Alipay+): Cross-border digital payments arm of Ant Group providing global acquiring, wallet interoperability, and remittance services. Operates broadly in the same cross-border payment space but as a much larger incumbent with a wallet-centric rather than SMB-collection focus.
• Payoneer: Public cross-border payments platform offering multi-currency receiving accounts for marketplaces and B2B, widely used by Chinese sellers on Amazon. Overlaps with iPayLinks on marketplace collection and B2B trade payouts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about iPayLinks