For Maltese consumers who shop primarily via mobile browsers, Google Pay offers a one-click checkout path with no card number entry required. Here is the flow, settlement, and checklist for Korean merchants adopting it through Hecto Financial.
Malta is home to a dense cluster of iGaming and IT companies, giving it a young, digitally native workforce, and a significant share of online purchases happen on mobile devices. Google Pay is a wallet that tokenizes cards saved on Android devices and in the Chrome browser for one-click checkout, and its device-unlock authentication also serves as an SCA-compliant factor.
If you run a digital content or small-ticket, repeat-purchase commerce business with many mobile web customers who want to complete purchases quickly without registering an account, pairing Google Pay with Apple Pay is an effective way to cover both device ecosystems.
When a customer pays with the Google Pay button in the Chrome browser or an Android app, their saved card is tokenized and transmitted, with the device unlock (biometrics or PIN) serving to satisfy PSD2 Strong Customer Authentication (SCA). After authorization, Hecto Financial receives the euro (EUR) proceeds, converts them, and pays the Korean merchant in whichever of USD, KRW, or JPY was selected at contract time.
A Korea-registered business can consider adoption through Hecto Financial integration alone, without a separate agreement with Google or a local contract in Malta. Actual conditions (settlement cycle, fees, currency) vary by merchant, so please confirm these through consultation.
※ This section describes the general support process and does not guarantee actual integration eligibility for any specific merchant. Please confirm the exact scope of support and applicable fees through consultation.
Confirm contract eligibility as a Korea-registered business
Integration method and priority vary depending on your online sales channel mix, such as owned storefronts, open marketplaces, and mobile apps
Advance confirmation is needed to check whether your business falls under a category restricted by Google Pay's merchant policies
Confirmation is needed that you comply with EU payment regulations such as PSD2 and SEPA (see official sources below)
Payments are made in euros (EUR), and settlement is completed on the other side of that flow. Hecto Financial receives the EUR proceeds, converts them, and pays out to the Korean merchant in whichever of USD, KRW, or JPY was chosen at contract time. Google Pay refunds are returned to the original card linked to the token, so please also track the processing deadline for the 14-day withdrawal request that applies to remote sales in Europe.
Hecto Financial's team will work with you to review the right combination of payment methods for the Maltese market.
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