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Accept Payments via CHATS with Echo Money

Enable customers to pay using CHATS, one of the most trusted payment methods in Hong Kong.

Accept payments through a single API, settle globally, and access local payment rails without building market-specific infrastructure.

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Summary

About CHATS

CHATS logo

CHATS is one of the most widely used payment methods in Hong Kong, enabling consumers and businesses to send and receive payments through institutional and high-value clearing systems. It plays an important role in the country's payment ecosystem, offering a familiar and trusted way for customers to complete transactions.

Capturing an estimated 20% of high-value clearings with more than 1M+ corporate users, CHATS has become a preferred payment option for online purchases, business payments, subscriptions, marketplace transactions, and everyday commerce in Hong Kong. For businesses looking to expand into Hong Kong, accepting CHATS can help improve checkout conversion rates, increase payment acceptance, and provide a localized payment experience. Through Echo Money, businesses can accept CHATS seamlessly, manage settlements, and access local financial infrastructure easily.

At a glance

Payment method snapshot

Payment Method: CHATS
Country: 🇭🇰 Hong Kong
Currency: HKD
Payment Type: Bank Transfer
Consumer Reach: 1M+
Settlement Speed Same Day
Refund Support Yes
Recurring Payments Supported
Chargebacks Applicable
Integration Single API
Start Accepting Payments via CHATS

How it works

1

Integrate with Echo Money. Connect to Echo Money through a single API and gain access to 150+ local payment methods including CHATS, global payment rails, and stablecoin infrastructure.

2

Enable CHATS. Activate CHATS for your business and configure how you want to collect, send, or settle payments in Hong Kong without managing multiple local providers.

3

Start Accepting and Sending Payments. Your customers can immediately begin paying through CHATS via a fully white-labelled experience, while you collect funds, process payouts, and move money seamlessly.

4

Scale with Built-In Compliance. Echo Money handles compliance requirements, including KYC, KYB, transaction monitoring, and payment operations, helping your business expand into Hong Kong without the complexity of managing local payment infrastructure.

Benefits for Businesses Accepting CHATS in Hong Kong

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Increase Conversion Rates with a Familiar Checkout Experience

Customers in Hong Kong are more likely to complete a purchase when they see payment methods they already know and trust. By offering CHATS through Echo Money, businesses can create a more localized payment experience, reduce friction during the payment journey, and improve overall conversion rates.

Improve Payment Success Rates

Many local payment methods, including CHATS, are deeply integrated into the financial ecosystem of Hong Kong. As a result, they can deliver higher payment acceptance rates compared to international cards that may face issuer declines, authentication issues, or cross-border restrictions.

Reach More Customers in Hong Kong

Not every customer in Hong Kong prefers to pay with a credit card. Depending on the market, consumers may rely on local bank transfers, digital wallets, QR payments, or domestic payment networks. By supporting CHATS, businesses can access a broader customer base and provide payment options that align with local preferences and purchasing behaviour.

Reduce Cross-Border Complexity

Expanding into Hong Kong often requires businesses to navigate local banking infrastructure, payment providers, and settlement processes. Echo Money simplifies this by enabling businesses to accept CHATS through a single integration, removing the need to manage multiple local payment partners while still delivering a localized payment experience.

Build Trust with Local Customers

Trust plays a major role in online payments. Customers are often more comfortable completing a transaction when they recognize the payment method being offered. Because CHATS is widely used in Hong Kong, displaying it at checkout can help strengthen customer confidence, reduce hesitation, and create a more familiar payment experience.

Future-Proof Your Payment Strategy

Payment preferences evolve over time, but businesses that offer locally preferred payment methods are often better positioned to adapt to changing customer expectations. By supporting CHATS through Echo Money, companies can build a payment stack that combines local payment acceptance, global reach, and modern settlement infrastructure.

Who uses CHATS in Hong Kong?

Businesses across industries use CHATS to offer a more localized payment experience and improve payment performance in Hong Kong.

E-commerce Platforms use CHATS to increase checkout conversion rates and reduce payment friction.

Marketplaces rely on CHATS to collect payments from buyers while supporting efficient seller payouts.

Gaming & Digital Businesses leverage CHATS to improve payment acceptance rates and support seamless in-app purchases.

Travel, Fintech, and Global Merchants use CHATS to collect local payments in Hong Kong without building country-specific payment infrastructure.

SaaS Companies collecting recurring payments use CHATS to reach customers in Hong Kong through familiar and trusted payment methods.

Why do businesses use Echo Money for CHATS?

Echo Money brings CHATS and 150+ local payment methods into a single platform. With one integration, businesses can

  • streamline payment operations,
  • access faster transaction confirmation, improve settlement efficiency, and
  • scale across markets with built-in compliance and global settlement infrastructure.

Single Integration

Enable CHATS through a single API and manage collections, payouts, and settlement alongside 150+ local payment methods.

Built-in Compliance

Accept CHATS with built-in KYC, KYB, transaction monitoring, and compliance controls designed for cross-border payment operations.

Global Settlement

Collect funds through CHATS and settle in local currencies, major global currencies, or stablecoins through a unified settlement infrastructure.

White-label experience

Offer CHATS through a fully branded payment experience while Echo Money powers the infrastructure behind the scenes.

FAQs

CHATS is a widely used payment method in Hong Kong that enables consumers and businesses to move money securely through local payment infrastructure.

Start accepting CHATS payments today

Connect to CHATS through Echo Money and give customers a payment experience they already know and trust.

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