“Can a Hong Kong-headquartered cross-border payment platform become the primary financial infrastructure layer for Chinese and Asian merchants operating globally?”
iPayLinks was established as a one-stop cross-border payment infrastructure company headquartered in Hong Kong, primarily serving Chinese exporters, e-commerce merchants, travel businesses, and digital entertainment platforms requiring multi-currency collection, FX conversion, and global payouts. The company has built out a compliance-first posture (PCI DSS Level 1, PSD2-aware) to serve regulated markets in the EEA, UK, Singapore, and Greater China. Its use of Salt Edge for open banking connectivity signals a move toward richer bank-account data and payment initiation capabilities alongside its proprietary FX and acquiring rails.
Ipaylinks processes payments through iPayLinks Global Acquiring (self-operated) and iPayLinks Global Collection (self-operated).
Ipaylinks connects to bank accounts through Salt Edge.
Ipaylinks uses iPayLinks Currency Exchange (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 3 layers in Ipaylinks's stack: Payments / PSP (iPayLinks Global Acquiring (self-operated) and iPayLinks Global Collection (self-operated)); Open banking (Salt Edge); FX & payouts (iPayLinks Currency Exchange (self-operated)).
Ipaylinks is headquartered in Hong Kong SAR (Admiralty, 18 Harcourt Road, Centre 2, 11/F, Room 1119).
Get a read on where your own stack stands against Ipaylinks and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.