Sources: Monetary Authority of Macao and provider disclosures, 2024–2025.
How Macau pays
Macau is a special administrative region of China with its own currency, the pataca, which is pegged to the Hong Kong dollar, and Hong Kong dollars are widely accepted alongside it. Payments mix cards and QR wallets: MPay is the local wallet, banks offer their own apps, and visitors from the mainland pay with Alipay, WeChat Pay and UnionPay cards. The Simple Pay unified QR scheme lets merchants accept these wallets through one code.
With tourism, hospitality and gaming at the center of the economy, a large share of spend comes from visitors and foreign-issued cards. For an enterprise merchant, the value is optimization: cards, wallets and local methods behind one integration, routing across acquirers to protect approvals, and 3DS on card-not-present payments, with pataca or Hong Kong dollar pricing and FX handled for you.
Why merchants run on us here
Built for visitor spend
Tourists pay with foreign-issued cards and wallets, so routing by card origin matters.
Wallets in context
MPay, Alipay and WeChat Pay are how much of Macau pays, unified behind Simple Pay QR codes.
Cards and wallets in one integration
International cards, UnionPay and the express wallets, with 3DS and retries across acquirers.
Pataca pricing and FX
Price in MOP or HKD and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Macau
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Macau like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Macau through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Macanese pataca (MOP) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Macau?
Talk to our payments team about going live in Macau — coverage, local acquiring, settlement and timelines for your business.