汇元银通(北京)在线支付技术有限公司

What 汇元银通(北京)在线支付技术有限公司 does

汇元银通(北京)在线支付技术有限公司 operates the 汇付宝 (HeePay) brand, a PBOC-licensed third-party online payment platform headquartered in Beijing and founded in 2008. The company is listed on China's New Third Board (NEEQ) under the 汇元科技 ecosystem and successfully renewed its payment license (Z2011611000017) in June 2022. The platform offers nine core products: online banking payment, SMS-verified quick payment, digital yuan (CBDC), large-amount merchant collection, multi-party fund splitting, cross-channel fund consolidation, enterprise account system (汇企通), blockchain-based Web3 wallet, and co-branded prepaid cards. Architecture is API-driven through a developer portal (open.heepay.com), with PCI-DSS certification and cross-border RMB payment filing supporting both domestic and Hong Kong merchants.

Name

汇元银通(北京)在线支付技术有限公司

Legal name

汇元银通（北京）在线支付技术有限公司

Website

https://heepay.com

Company type

Public

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

汇元银通 (HeePay) is a PBOC-licensed third-party payment platform founded in 2008, offering online banking, quick pay, digital RMB, Web3 wallet, and enterprise account services to merchants across China and Hong Kong.

Ownership category

akta.pro rank

Product category

Third-Party Payment Services

NAICS

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

akta.pro primary industry

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

akta.pro secondary industries

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Online payment processing
• Third-party payment services
• Digital yuan payments
• Merchant payment solutions
• Cross-border payment services

Headquarters

HQ city

北京市, 北京市

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing / Transaction Fees: The company charges transaction fees for payment processing services including online banking, quick payments, digital yuan, and merchant collection services. As a licensed third-party payment institution, the company earns a take rate on each transaction processed through its platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

汇元银通(北京)在线支付技术有限公司 operates 汇付宝 (HeePay), a licensed third-party online payment platform offering nine core products spanning online banking payment, quick (SMS-verified) payment, digital yuan (CBDC) acceptance, large-amount collection, multi-party fund splitting, cross-channel fund consolidation, an enterprise account system (汇企通), a Web3 blockchain wallet, and co-branded prepaid cards. The platform serves enterprise merchants across multiple verticals via self-service online onboarding and API integration, supported by developer documentation, PCI-DSS certified infrastructure, and PBoC-licensed operations renewed in June 2022.

Product overview

汇付宝 (HeePay) is a comprehensive third-party payment platform operated by 汇元银通(北京)在线支付技术有限公司. The platform offers a portfolio of nine core payment products: 网银支付 (Online Banking Payment) for redirect-based bank transactions; 快捷支付 (Quick Payment) for SMS-verified express checkout; 数字人民币 (Digital RMB) supporting the central bank's digital currency via H5/QR; 易收款 (Easy Collection) for large-value mobile banking receipts; 分账 (Split Payment) for multi-party fund distribution; 资金归集（银行） (Fund Collection) for consolidating funds across acquiring channels; 汇企通 (HeeQiTong) as an enterprise multi-scenario account system; Web3钱包 (Web3 Wallet) for blockchain-based payments; and 品牌卡（联名骏卡） (Brand Card) for co-branded prepaid card programs. The platform also supports stored-value account transaction systems focused on consumer fund safety.

Differentiator

Problem solved

Functional benefit

Brands

• 汇企通: Enterprise-focused account system solution for multiple business scenarios
• 易收款
• 骏卡

Products and services

• Online Banking Payment (网银支付) Online banking payment service that redirects users to a selected bank's online banking page to complete the transaction. Targeted at merchants needing redirect-based bank acceptance.
• Quick Payment (快捷支付) Express payment service that allows users to complete payment by binding a bank card and verifying via SMS code. Targeted at merchants needing fast bank card checkout.
• Digital RMB (数字人民币) Acceptance product for digital legal tender issued by the People's Bank of China, supporting H5 and QR code payment methods. Targeted at merchants and Web3/digital economy businesses requiring CBDC acceptance.
• Easy Collection (易收款) Large-amount merchant collection service via mobile banking transfers. Targeted at merchants needing to receive large-value payments through mobile banking rails.
• Split Payment (分账) Transaction fund distribution service that enables flexible allocation of payment funds across multiple parties. Targeted at platforms and merchants that need multi-party settlement.
• Fund Collection / Consolidation - Bank (资金归集) Centralized fund management service that consolidates funds from multiple merchant acquiring channels. Targeted at merchants operating across multiple payment channels that need unified reconciliation.
• HeeQiTong Enterprise Account System (汇企通) Enterprise account system solution designed for multiple business scenarios requiring complex account management. Targeted at enterprises needing multi-scenario account structures.
• Web3 Wallet (Web3钱包) Payment account product based on blockchain technology enabling Web3 ecosystem transactions. Targeted at Web3 and digital economy businesses needing blockchain-based payment accounts.
• Brand Card / Co-branded Junka Prepaid Card (品牌卡/联名骏卡) Multi-purpose prepaid card product jointly issued with enterprises based on their specific business scenarios. Targeted at enterprises needing customized prepaid card programs for end users.

Quantifiable outcome

• Successfully renewed payment business license (June 2022)

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Yeepay: Yeepay is a China-focused third-party payment provider offering online payment, merchant acquiring, and enterprise payment solutions. Its product set and Chinese merchant customer base closely overlap with Heepay's payment, collection, and fund-management platform.
• Lakala: Lakala is a China-based third-party payment and merchant-services company with acquiring and digital-payment products. It competes for similar enterprise and SMB merchants, although its distribution and operating scale are broader.
• Stripe: Stripe provides global online payment APIs, processing, and merchant services. It is comparable to Heepay's API-led onboarding and transaction-fee model, but operates at substantially greater global scale.
• Checkout.com: Checkout.com is a global payment processor and merchant acquirer with API-based checkout and payment orchestration. It compares closely with Heepay's merchant gateway, transaction-fee, and enterprise integration model.
• Adyen: Adyen is a global payment platform providing merchant acquiring, payment gateways, and orchestration through APIs. It is a direct product and business-model peer for Heepay's API-enabled merchant payment platform, although it serves a global rather than primarily Chinese merchant base.

Broad incumbents

• Alipay (Ant Group): Alipay (Ant Group) is a major Chinese digital-wallet and merchant-payment platform with broad consumer acceptance. It overlaps with Heepay's wallet, online payment, and merchant collection offerings, but is a much larger incumbent.
• China UnionPay: China UnionPay is a China-linked national card and payment network providing acceptance, clearing, and payment infrastructure. It is a broad incumbent comparator for Heepay's licensed payment and settlement activities, though not a like-for-like digital wallet.
• Ping An Pay: Ping An Pay is the payment-services arm of Ping An, offering merchant collection, wallet, and payment solutions. It is a relevant incumbent peer for Heepay's licensed payment, online collection, and account-management capabilities.
• WeChat Pay (Tenpay): WeChat Pay (Tenpay) is a Chinese wallet and merchant-payment service integrated with WeChat. It overlaps with Heepay's consumer and merchant payment, QR, and wallet capabilities, but has substantially greater distribution.
• JD Pay (JD.com): JD Pay (JD.com) is the payment and wallet capability within JD's e-commerce ecosystem, serving consumers and merchants. It shares Heepay's online payment and merchant-settlement use cases, while benefiting from JD's e-commerce distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

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 汇元银通(北京)在线支付技术有限公司