Hong Kong's RTGS backbone, in your name

Send CHATS payments in 4 currencies — in your own name, across Hong Kong.

DSGPay CHATS Payments move large-value transfers over Hong Kong's real-time gross settlement system, straight from the name on your DSGPay virtual account. Strong FX pricing and low ticket costs make it a fast, cost-effective way to pay Hong Kong suppliers or staff in HKD, USD, EUR, or RMB.
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4 currencies: HKD, USD, EUR, RMB
HKICL-operated, HKMA-regulated
Same-day settlement, HKD cut-off 11pm
4
Currencies settled — HKD, USD, EUR, and RMB
RTGS
Real-time gross settlement, individual and final
Your name
Every payment sent under your DSGPay account name
HKICL
Operated by Hong Kong Interbank Clearing Limited, under HKMA oversight
Why merchants use DSGPay CHATS Payments

Hong Kong's own settlement backbone, in four currencies.

CHATS is Hong Kong's real-time gross settlement system — genuinely unusual in supporting four currencies natively, not just the local one. That makes it a strong rail for large, time-critical payments within and through Hong Kong.

Sent in your name

Every CHATS payment carries the name on your DSGPay virtual account, not DSGPay's — so the beneficiary sees exactly who's paying them, with no reconciliation delays from a mismatched sender name.

4 currencies, natively settled

HKD, USD, EUR, and RMB all settle directly over CHATS — a rare multi-currency RTGS setup that reflects Hong Kong's role as a hub for both HKD and offshore USD, EUR, and RMB activity.

Strong FX, low ticket costs

Competitive FX pricing combined with low, fixed ticket costs makes CHATS Payments a cost-effective way to move large-value payments in or through Hong Kong.

Real-time gross settlement

Each CHATS payment settles individually, on a gross basis, with no netting — immediate and final during CHATS operating hours.

Same-day settlement

HKD payments benefit from a same-day cut-off extending to 11pm, alongside FPS availability — giving you a longer window to get a large payment settled the same business day.

Confirmation on request

Request a payment confirmation as proof of a CHATS payment — useful for supplier disputes, audits, or your own internal finance records.
What CHATS Payments are built for

When it's large, time-critical, and stays close to Hong Kong.

1. Large local supplier payments

Pay Hong Kong-based manufacturers, vendors, and service providers directly in HKD, in your company's name.

2. Cross-currency settlement via the Hong Kong hub

Settle USD, EUR, or RMB legs of a transaction natively over CHATS, without needing a separate correspondent-bank route for each currency.

3. Treasury & inter-entity transfers

Move funds between your own Hong Kong-linked entities or accounts at large-value ticket sizes.

4. Time-critical, same-day transfers

For payments that need to settle the same business day — CHATS' extended HKD cut-off gives you room most cross-border rails don't.
Confirm it

Documentation, whenever you need it.

Real-time settlement

Final and irrevocable

Each CHATS payment settles individually and on a gross basis — once confirmed, it's final, giving suppliers and payroll providers certainty on when funds have landed.
Payment confirmation

Proof of payment on request

Request a payment confirmation as documented proof a CHATS payment was sent — commonly needed for supplier disputes, audits, or your own internal finance records.
Same account, one more way to pay

CHATS Payments run on the same DSGPay infrastructure.

Web

DSGPay OneWeb

Send and approve CHATS payments from your browser — no development required.
Mobile

DSGPay DMA

Approve a payment or check its status from your phone, wherever you are.
API

DSGPay GraphQL API

Trigger CHATS payments programmatically from your own platform or ERP.
Ready when you are

Move your next large Hong Kong payment the fast way —
in your own name.

Tell us the currency, the destination, and the size of the payment — we'll show you the FX rate and ticket cost before you commit.
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About Us
DSGPay operates as a licensed or registered payments provider in Hong Kong, Thailand, and Australia. Our operations are supervised by the respective local regulatory authorities.

Hong Kong: Licensed Money Service Operator (License No. 15-08-01682). Hong Kong Customs and Excise Department.

Thailand: Licensed E-Payment Service Provider. Entity Name: Bahtsmart Co., Ltd. (ā¸šā¸Ŗā¸´ā¸Šā¸ąā¸— ā¸šā¸˛ā¸—ā¸Ēā¸Ąā¸˛ā¸ŖāšŒā¸— ā¸ˆā¸ŗā¸ā¸ąā¸”). Regulated by the Bank of Thailand (BOT). To verify our license,
please search using our Thai company name on the BOT portal.

Australia: Registered with AUSTRAC as an Independent Remittance Dealer.
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In these markets, DSGPay does not hold a direct license or registration; the licensed local partner is responsible for regulatory compliance in that jurisdiction. This partnership model allows DSGPay to offer consistent service across its network while ensuring every transaction is processed in accordance with applicable local law.

*DSGPay is a licensed payment institution, not an authorised deposit-taking institution (ADI) or bank. Funds processed through DSGPay are not bank deposits and are not covered by any deposit insurance or protection scheme. Depending on the jurisdiction, customer funds may be held in segregated accounts, safeguarded accounts, or trust arrangements with licensed banking partners, in accordance with the regulatory requirements applicable in that country. Customers should refer to the terms and conditions applicable to their account for details specific to their market.