A clearer way to
handle merchant payments

We look at your industry, how you operate, your payment scenarios, and where your customers come from, then assess whether in-store POS/aggregated payments, online payments, or cross-border payments fit your business.

Yes. The form lets you select in-store, online, and cross-border needs at once — we'll map out your payment flow first, then follow up on what's workable.

It helps to have your business/company registration, store address or website, main products or services, refund policy, fulfilment process, and any licensing documents (where relevant) ready. The more complete this is, the easier the initial assessment.

Not necessarily. Higher scrutiny just means you may need to provide more documentation or go through case-by-case review — it doesn't guarantee approval, which depends on the formal review outcome.

Usually within a business day or so of receiving complete information. If anything's missing, we'll ask you to fill in the gaps before moving to the product application stage.

No. The form is the first step in a needs assessment — fees, settlement, which payment methods are available, and activation timing all depend on the actual review outcome and service agreement.

You set the refund rules, and customers should see them before they pay. JoPay does not write that policy for you. The assessment only asks how you handle cancellations, returns, or unfinished services today.

Form details are used to follow up on this enquiry and assess what you need. They are not sold. Storage and use are described in the privacy policy. You do not need to upload a business registration until it is actually required.

Assessments are for Hong Kong and Macau merchants: in-store collection, online payments, and cross-border payments. Submitting the form does not open an account, and it does not mean a particular payment method will be available.