What Help 2 Pay does

Help2Pay is a private Singapore-incorporated payment gateway founded in 2013 that connects online merchants to local and instant-payment rails across 10+ Asian markets — Malaysia (FPX, DuitNow), Thailand (PromptPay), Indonesia (QRIS, BI-FAST), Vietnam (VietQR/NAPAS 247), the Philippines (InstaPay, QR Ph, GCash, Maya), India (UPI, IMPS), Pakistan (Raast, JazzCash, Easypaisa), Bangladesh (bKash, Nagad) and USDT (TRC-20/ERC-20). The platform exposes a single RESTful API with signed webhooks that handles collections, validated outbound payouts, KYC/KYB onboarding, transaction monitoring and AML/CFT screening, with built-in downtime-aware routing around bank maintenance windows and automatic reconciliation. According to company materials, the gateway covers 250+ local and regional payment methods, processes millions of transactions monthly at a stated 99.9% uptime, and runs 24/7 with locally-staffed operations in each market.

The company's primary customers are iGaming operators and online trading platforms (forex, gold, crypto and stock CFDs), with secondary segments in payment service providers seeking to resell Asian coverage and digital commerce merchants seeking local-method acceptance. Pricing is merchant-specific, negotiated on volume, vertical and target markets under individual services agreements, with revenue derived from transaction fees on collections and disbursements. Go-to-market is dual-pronged — a consultative enterprise sales motion targeting mid-to-large merchants and an API-first developer evaluation path through sandbox and demo — supported by an extensive content-marketing library of country guides and vertical reports. In June 2026 the company added INR, PKR, BDT and USDT settlement, refreshed its brand identity, and expanded its pitch-side advertising presence at English Premier League matches.

Name

Help 2 Pay

Legal name

Help2Pay

Website

https://help2pay.com

Company type

Private

Founded year

2013

Operating status

Operating

Short description

Help2Pay is a Singapore-based payment gateway connecting online merchants to local and instant-payment rails across 10+ Asian markets via a single API, serving iGaming operators, trading platforms, PSPs and digital commerce businesses.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Smart Routing, Cascading & Payment Optimization (FSAMACAJ), PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

Keywords

• Payment gateway services
• Cross-border payments
• Local payment methods
• Payout solutions
• Risk and compliance

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing / Transaction Fees: Help2Pay charges merchants fees for processing payment collections and disbursements. Fee structures, settlement schedules and currencies are set out in each merchant's services agreement. The company processes millions of transactions monthly, indicating transaction-based revenue as the primary income stream.
2. Payout / Disbursement Services: Fast, validated payouts over instant rails across Asian markets, with flexible settlement options including USDT for eligible merchants. Revenue derived from per-transaction fees on outbound disbursements.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Help2Pay operates an online payment gateway that provides real-time, market-tuned payment processing and disbursement services across 10+ Asian markets through a single API. The platform connects merchants to local bank rails, national QR standards (FPX, DuitNow, PromptPay, QRIS, VietQR, InstaPay, QR Ph, UPI, Raast, BI-FAST, NPSB) and leading e-wallets (GCash, Maya, GoPay, OVO, bKash, Nagad, JazzCash, Easypaisa, MoMo, ZaloPay), plus USDT settlement, with intelligent routing around bank maintenance windows, real-time webhook confirmation, and built-in KYC/KYB and AML compliance. Its primary customers are gaming operators, trading platforms (forex, gold, crypto, stock CFDs), payment service providers, and digital commerce businesses that require high-frequency deposits and validated payouts across the region.

Product overview

Help2Pay is a unified payment gateway platform — not a collection of separate modules but a single, integrated platform delivering four interconnected capabilities: the Payment Gateway (collections across 10+ Asian markets and 250+ local payment methods), Payout Solutions (minutes-fast validated disbursements over instant rails), Risk & Compliance (KYC/KYB, transaction monitoring, and fraud screening built into the pipeline), and a single API Integration that ties all of them together. The platform processes millions of transactions monthly across Malaysia (MYR via FPX/DuitNow), Thailand (THB via PromptPay), Indonesia (IDR via QRIS/BI-FAST), Vietnam (VND via VietQR/NAPAS 247), Philippines (PHP via InstaPay/QR Ph/GCash/Maya), India (INR via UPI/IMPS), Pakistan (PKR via Raast/JazzCash/Easypaisa), Bangladesh (BDT via bKash/Nagad), and USDT (TRC-20/ERC-20). Settlement is available in all major Asian currencies plus USDT. The platform is engineered for 99.9% uptime and 24/7 operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Gateway Core platform for accepting local payment methods across 10+ Asian markets. Supports FPX, DuitNow, PromptPay, QRIS, VietQR, UPI, GCash, Maya, and 250+ local and regional payment methods. Features intelligent routing around bank maintenance windows, real-time webhook confirmation, and automatic reconciliation. Designed for merchants across gaming, trading, PSP and digital commerce verticals.
• Payout Solutions Fast, validated outbound disbursements (withdrawals, refunds, winnings, commissions) over instant payment rails across all supported Asian markets. Features account validation before disbursement, multi-bank routing with automatic failover, and minutes-fast completion around the clock, 24/7. Supports USDT payouts for eligible merchants.
• Risk & Compliance KYC/KYB onboarding, transaction monitoring, fraud screening, and fund protection built into the payment pipeline. Includes AML/CFT compliance, account ownership validation, velocity controls, and configurable approval workflows for unusual transaction patterns. Tailored for regulated verticals such as gaming and trading.
• API Integration A single clean RESTful API with signed webhooks that covers collections, payouts, and real-time monitoring across all markets and payment methods. One integration and one settlement relationship for the entire regional footprint. Sandbox and demo access available for developer-led evaluation.

Quantifiable outcome

• 99.9% uptime
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature5 records

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Adyen: Global payments platform with expanding Asian coverage offering unified commerce, payments processing, and payouts — comparable as a single-API payment platform, but operating at global scale across all verticals rather than specializing in Asian local rails.
• Stripe: Global payment platform with significant Asian expansion offering merchant payment processing via API — comparable in API-first developer-led model, but serving a broader global market rather than specializing in Asian local rails.

Direct peers

• Razorpay: India-focused payment gateway offering collections, payouts, and developer-first API across UPI, cards, and netbanking — directly comparable in API-first gateway model serving high-growth verticals in a single large Asian market that Help2Pay also covers.
• iPay88: Established Southeast Asian payment gateway operating across Malaysia, Indonesia, Philippines, Thailand, Vietnam and other Asian markets — directly comparable in merchant gateway model and regional local-rail integrations.
• PayMongo: Philippines-based payment gateway providing local payment method integrations (cards, e-wallets, online banking) via API — directly comparable in regional Asian gateway positioning and developer-led integration model.
• Omise (Opn): Thailand-based payment gateway serving merchants across Southeast Asia with collections, payouts, and integrations to local payment methods — directly comparable in regional focus and merchant API model.
• 2C2P: Major Southeast Asian payment gateway headquartered in Thailand, offering collections, payouts, and local payment method coverage across multiple Asian markets — directly comparable in geographic focus and product suite to Help2Pay.
• Xendit: Indonesia-headquartered payment gateway with strong Southeast Asian coverage (Indonesia, Philippines, Vietnam, Malaysia, Thailand) — directly comparable in regional market focus, API-first model, and local payment method integrations.

Regional players

• Billplz: Malaysia-focused payment gateway providing local payment method integrations (FPX, DuitNow, online banking) — comparable in covering the same Malaysian rails as Help2Pay, though narrower geographic footprint.

Emerging players

• dLocal: Cross-border payment processor focused on emerging markets including multiple Asian countries — comparable in serving merchants that need pan-regional emerging-market payment coverage, though with a broader geographic footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Help 2 Pay