Hong Kong ¡ HKD Infrastructure

Move money in Hong Kong dollars — without a Hong Kong bank account*.

Collect from Hong Kong customers, pay Hong Kong suppliers, and manage the FX in between — on named HKD virtual accounts that settle to you in the currency you already bank in.
Start expanding into Hong KongSee the products
Settle in
USD
EUR
JPY
SGD
AUD
+30 more
~7.5M
Population
Real-time
FPS settlement via HKICL, 24/7
10M+
FPS registered proxy IDs (phone, email, FPS ID)
20+
banks & e-wallets connected to FPS
Why local rails matter

Hong Kong runs on FPS. Your rails should meet it there.

In Hong Kong, the Faster Payment System (FPS) has made real-time transfers the default, letting people pay using a phone number, email address, or FPS ID instead of a full account number and name. Run by HKICL under the HKMA, it connects banks and stored-value facility operators across the territory, clearing 24/7.

For merchants operating from outside Hong Kong, that speed creates two problems. Without a local account, there's no straightforward way for a Hong Kong customer to pay you in Hong Kong dollars, and generic pooled accounts make it difficult to tell whose payment just landed. Paying a Hong Kong supplier from abroad usually means a slow international wire, an unfavourable exchange rate buried in the transfer, and days of uncertainty before the supplier can confirm receipt.

DSGPay solves both sides from one platform. You get a dedicated named local HKD virtual account plus the foreign exchange to move value in and out of Hong Kong dollars at rates built for volume, not for one-off retail transfers. No Hong Kong entity required. HK$ in, your currency out — or the reverse, for payouts.
The DSGPay Hong Kong stack

Four building blocks. One HKD-denominated ledger.

Use one, or use all four — collections, payouts, and FX are designed to sit on top of the same named account infrastructure.
Collect

1. Named Virtual Accounts

A dedicated HKD account opened in your merchant name. Hong Kong customers deposit directly into it in real time, exactly as they would to any local business — no card rails, no wallets, no waiting.
Customer deposits HKD
→
Your named account
→
Settled in USD, EUR, JPY, SGD, AUD
Reconcile

2. Collections

One-time, single-use HKD virtual accounts generated per transaction or per customer. Built for high-volume merchants who need to identify exactly which Hong Kong customer paid, without manual matching.
Unique account per order
→
Auto-matched deposit
→
Clean reconciliation
Pay out

3. HKD Real-Time Payouts

Prefund in USD, EUR, or your working currency, and pay Hong Kong suppliers, partners, or employees in Hong Kong dollar in real time — on FPS (Faster Payment System), the same rails Hong Kong businesses use to pay each other.
You prefund
→
DSGPay converts
→
Supplier paid instantly
Convert

4. HKD FX

Buy and sell HKD against USD, EUR, JPY, SGD, AUD, and 30+ other currencies, at rates built for the volume behind your collections and payouts, not a one-off retail conversion.
30+ funding currencies
→
Competitive HKD rate
→
Applied automatically
Why Hong Kong, on DSGPay

Built for how money actually moves in Hong Kong

Your presence in Hong Kong

A named HKD virtual account gives you a local footprint without the cost or delay of setting one up yourself.

Real-time reconciliation

Clearly separate and identify incoming HKD deposits so every transaction and balance updates instantly.

Faster and cheaper

Local HKD rails settle faster and at a lower cost than routing every transaction through SWIFT.

30+ currencies

Fund and settle in USD, EUR, JPY, SGD, AUD, and dozens of other major and regional currencies alongside HKD.
How the money moves

Two directions, one platform

Collections bring HKD in and settle out in your currency. Payouts start in your currency and land in HKD. DSGPay's FX sits in the middle of both.
Starts with
Hong Kong customer
Deposits HKD
→
DSGPay FX
→
Settles out
Ends with
You, in USD, EUR, JPY, SGD, AUD
Starts with
You, prefunding
USD, EUR, or your working currency in
→
DSGPay FX
→
Pays out HKD
Ends with
Hong Kong supplier
Ready when you are

Ready to collect, pay out, and convert in hong kong dollar?

Tell us how you're moving money in and out of Hong Kong today, and we'll show you what it looks like on DSGPay.
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Who We Serve
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.
‍
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.