American Express

American Express

Premium Card Network & Acquiring

VS

AlipayHK

HK-China payments

AlipayHK
Fees from
2.5-3.5% merchant vs 1.5-2%
Features

0 shared

2 unique to American Express · 3 unique to AlipayHK
Regions

1 shared

5 unique to American Express · 1 unique to AlipayHK
Pay methods

0 shared

3 unique to American Express · 4 unique to AlipayHK
On region

American Express covers 6 regions; AlipayHK covers 2. Verify directly with each provider before signing.

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Show full specs
5 features · 7 payment methods · 7 regions. We don't rank these — they're here for reference.
American Express American Express
AlipayHK AlipayHK
Quick Facts
Fees
Standard transaction rate
2.5-3.5% merchant
1.5-2%
Settlement
Time to receive funds
3–7 business days
1–2 business days
Founded
1850
2017
Headquarters
New York, USA
Hong Kong
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
AlipayHK leads (3 vs 2)
Enterprise Unique
✓
—
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
AlipayHK leads (4 vs 3)
Alipay Unique
—
✓
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bill Payment Unique
—
✓
Google Pay Unique
✓
—
Mobile Payment Unique
—
✓
Qr Code Unique
—
✓
Regions
American Express leads (6 vs 2)
Asia
✓
✓
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

American Express is best when you...

Premium Card Network & Acquiring
Need Enterprise
Not available with AlipayHK
Need Recurring Payments
Not available with AlipayHK
Want coverage in Europe, Latin America, Middle East, North America, Oceania
AlipayHK doesn't cover these regions
View American Express

AlipayHK is best when you...

HK-China payments
Need Instant Payout
Not available with American Express
Need Low Fees
Not available with American Express
Want coverage in Southeast Asia
American Express doesn't cover this region
View AlipayHK

Frequently Asked Questions

What is the difference between American Express and AlipayHK?
They share 0 payment methods and 1 region. American Express adds Amex, Apple Pay, Google Pay that AlipayHK does not list; AlipayHK adds Alipay, Bill Payment, Mobile Payment and 1 more that American Express does not list; American Express also covers Europe, Latin America and 3 more; AlipayHK also covers Southeast Asia.
Which is cheaper, American Express or AlipayHK?
American Express has published rates from 2.5-3.5% merchant; AlipayHK has published rates from 1.5-2%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use American Express and AlipayHK?
American Express lists 6 regions and 3 payment methods; AlipayHK lists 2 and 4. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do American Express and AlipayHK compare on integration and settlement?
AlipayHK offers a sandbox, American Express does not list one; both support webhooks; American Express settles in 3–7 business days, AlipayHK in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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