Payment Gateways for Shopline: What to Switch On in Hong Kong, Taiwan, and Singapore

Your payment mix is a conversion lever, not a setup checkbox

Most merchants treat payments as a one-time setup task. Turn on cards, ship it, never look again. That is how you lose sales you never see, because the shopper who could not pay the way they wanted did not email you. They just left.

In APAC this matters more than almost anywhere, because how people pay is intensely local. A checkout that feels complete in Hong Kong looks half-built in Taiwan. Shopline gives you the local methods. Whether you switch them on is the difference between a cart that converts and one that bounces at the last step. Here is the per-market playbook.

Hong Kong

Hong Kong shoppers expect speed and they expect their wallet. Through SHOPLINE Payments you can offer the full card set (Visa, Mastercard, AMEX, JCB, Diners, UnionPay), plus Apple Pay and Google Pay, plus the two wallets that matter for cross-border and mainland-adjacent shoppers, Alipay HK and WeChat Pay.

The method too many HK stores skip is FPS, the Faster Payment System. It is fast, shoppers trust it, and at around 1.5 percent it is cheaper to accept than cards. PayMe has been rolling into SHOPLINE Payments for Hong Kong, so check whether it is live on your account, because it is a default expectation for a lot of local buyers. If you need a method SHOPLINE Payments does not cover, Stripe is available as a third-party gateway for HKD stores.

Taiwan

Taiwan is the market where a Western payment instinct fails hardest. Cards are not the default many merchants assume. Convenience-store and bank-transfer payments are huge, and leaving them off is the single most common way a Taiwan store throttles its own conversion.

ECPay is the workhorse gateway here, and it carries the methods Taiwan actually uses: credit card, convenience-store payment by barcode or code, ATM and virtual-account transfer, and web-ATM. Turn on the convenience-store and ATM options. A meaningful share of Taiwanese shoppers will choose to pay at a 7-Eleven or FamilyMart counter, and if that path is missing they do not switch to a card, they abandon. Layer LINE Pay and JKOPay on top, because LINE is not a side channel in Taiwan, it is the channel.

Singapore

Singapore is the most card-comfortable of the three, but card-only still leaves money on the table. Through SHOPLINE Payments you get cards and multi-currency checkout, which matters for a market that buys cross-border constantly.

Add the local expectations. PayNow is the near-universal bank-transfer method, GrabPay rides on an app most Singaporeans already have open, and Atome covers the buy-now-pay-later shopper. Some of these are native and some may come through an add-on depending on your plan, so confirm what is built in versus what you install before you assume coverage.

BNPL across the region

Buy-now-pay-later is no longer a nice-to-have in this part of the world. Shopline supports Atome across Hong Kong, Singapore, Malaysia, and Taiwan, typically as three interest-free instalments for the shopper. It lifts conversion and average order value on higher-ticket products, and it is the method that turns a "let me think about it" into a sale.

The tradeoff is the merchant fee, which sits above a normal card rate. That is fine when the larger order pays for it. It is a quiet loss when you bolt BNPL onto low-margin, low-ticket items where the fee outweighs the lift.

The margin footnote on every method

Here is the part the conversion-optimization advice usually skips. Every method you enable has a cost, and they are not equal. FPS is cheaper than a card. A card is cheaper than BNPL. Cross-border settlement adds FX risk that moves your real take between the sale and the payout.

More methods almost always means more conversions. It also means a more complex blended cost that you have to actually track, especially if you sell the same product across all three markets. Before you decide your regional payment strategy is "turn everything on," run a cross-border order through the multi-currency margin calculator and see what the same SKU really earns in Hong Kong versus Taiwan versus Singapore. If cross-border is core to your plan, the mechanics of protecting margin across currencies and methods are worth a deeper look at cross-border ecommerce profitability.

Switch on the local methods. Your conversion rate will thank you. Just keep one eye on what each one costs, so the extra orders are also extra profit.