Europe · Belgium payment method

Accept Alipay in Belgium
with a single API integration

Adopt Alipay payments in Belgium through Hecto Financial. With a single API integration and no separate contract in China, you can process payments from Chinese tourists and Asian consumers visiting Belgium.

QR payments

Present or scan a code

No extra terminal required

EUR settlement

Settlement without FX worries

Receive euros regardless of payment currency

66 countries

Global payment network

Worldwide merchant coverage including Europe

1.6B+ users

Global active users

Alipay and Alipay+ users

Service region: BelgiumPayment provider: Ant InternationalLast updated: 2025

Contents

01What is Alipay?
02Benefits of integrating Alipay through Hecto Financial
03Payment process
04Frequently asked questions (FAQ)

About the service

What is Alipay?

Alipay is the world's largest mobile payment platform, operated by China's Ant International. Founded in 2004, it grew into China's payment infrastructure and has expanded into a global payment network accepted at more than 90 million merchants in 66 countries. Its QR-code-based payments work both online and offline, letting customers pay quickly and securely without card numbers.

QR code payments

Consumers present a QR in the app or scan the merchant's QR to pay. Adoptable without extra terminals.

Automatic EUR settlement

Even when consumers pay in yuan (CNY), merchants are settled in euros (EUR) after automatic conversion.

AES-256 encryption

Industry-leading encryption with 24/7 real-time fraud monitoring.

Online + offline

Supports both e-commerce websites and in-store POS terminals. Facial-recognition authentication also available.

Digital walletQR code payments

Why Hecto Financial

Why integrate Alipay through Hecto Financial?

Contracting Alipay directly requires establishing a Chinese entity, opening a local bank account, and passing separate reviews. Through Hecto Financial, a single API connects Alipay and other global payment methods all at once.

Instant single-API integration

Activate Alipay payments with one Hecto Financial API — no Chinese entity or separate contract required.

More revenue from Chinese tourists

Many Chinese tourists visiting Belgium use only Alipay, without local cards. Never miss a payment opportunity.

EUR settlement, no FX risk

Whatever currency the consumer pays in, merchants settle in EUR with no exchange-rate losses.

Korean-language tech support

A Korean-language support team serves domestic merchants, with transaction and settlement reports in an integrated dashboard.

Unified payment management

Manage Belgium-supported methods like Apple Pay, Google Pay, and Klarna under one contract, reducing operational complexity.

Payment flow

How does an Alipay payment work?

When a consumer pays with Alipay, Hecto Financial handles the entire journey until funds reach the merchant.

Payment request

The consumer presents a QR in the Alipay app or scans the merchant QR

Real-time approval

Alipay servers approve the payment and screen for fraud within seconds

Hecto Financial relay

Payment data is received, currency converted, and settlement data generated

EUR settlement

Euros are settled to the merchant account with transaction reports

Frequently asked questions

Key guidance on adopting Alipay payments in Belgium

QDo I need a Chinese entity to adopt Alipay in Belgium?

No. Integrating through Hecto Financial lets you adopt Alipay without a Chinese entity or bank account. Contracts are signed as a Korean business, and settlement is received in euros (EUR).

QWhat are the Alipay payment fees?

Alipay's standard merchant fee is around 0.6% of the transaction amount. Hecto Financial's integration fee is agreed separately and can be adjusted by transaction volume. Contact our sales team for detailed pricing.

QCan it be used for both online stores and offline shops?

Yes. Alipay supports e-commerce websites (API integration), mobile apps, and in-store POS terminals. Online and offline channels can be unified and run under a single contract.

QCan I integrate other European countries besides Belgium at the same time?

Yes. Hecto Financial supports Alipay payments across major European countries including Belgium. Supported methods may differ by country, and multiple countries can be operated together under a single contract.

QWhat is the settlement cycle?

The settlement cycle depends on contract terms; euros are typically settled on a D+2 to D+3 business-day basis. Settlement details can be checked in real time on the Hecto Financial dashboard.

QCan customers other than Chinese nationals use Alipay?

Yes. Since 2023 Alipay has let foreign visitors link international cards (Visa, Mastercard, etc.). Through Alipay+, users of 35+ partner wallets across Southeast Asia and Europe can also pay with the same QR.

Adopt Alipay payments in Belgium