FPS payments · Hong Kong
get paid in 3 clicks
ditch credit card fees. FPS by divit delivers a seamless 3-click checkout for your online store, retail POS and invoices. Pay just 0.75% + HK$2.00 per transaction.
free sign-up · no monthly fees · no chargebacks · settled T+1
who it’s for
one network, four front doors
whether you run the business, advise it, build for it, or are paying it: start here.
merchants
I run a business
Embed FPS in your checkout, POS and invoices, and keep ~2.65% more on every sale.
sign up for free →partners
I advise businesses
Accountants, developers, agencies and consultants: deliver your clients instant results with real-time payments and workflow automation.
explore partnerships →platforms
plug FPS into your platform
Free integrations for Xero, QuickBooks, Odoo and WooCommerce, or build custom flows on the REST API.
read the developer docs →customers
paying a divit merchant?
Paying by FPS is free, takes seconds, needs no credit card, and works from the banking app you already have.
read the FPS guide →what you gain
get paid, without the painful parts
end the waiting
Payment confirmation is instant: your order or invoice updates the moment the customer pays.
get paid faster
Invoices with embedded FPS payments get paid up to 2× faster: customers pay in 3 clicks from the app they already have.*
automate the admin
Payments reconcile themselves in Xero, QuickBooks or Odoo: no manual matching.
forget credit card fees
0.75% + HK$2.00 per transaction. No setup fees, no monthly fees: about 2.65% stays with you.
*Based on Xero data: invoices with embedded online payments are paid up to twice as fast as those without.
products
everything your business needs to get paid
one free account covers invoicing, online checkout and in-store payments: pick where to start.
invoices that settle themselves
Connect your accounting platform once and every invoice goes out with embedded FPS payments.
- works with Xero, QuickBooks and Odoo: link your account in minutes
- customers pay from their bank app in 3 clicks
- payments reconcile automatically against the invoice
a checkout customers don’t abandon
Add FPS to your WooCommerce store with a free plugin, installed from the WordPress directory in under 10 minutes.
- three-click checkout, no card numbers, no forms
- instant confirmation updates the order the moment they pay
- zero chargebacks: FPS payments are bank-authorised
a point of sale on any device
Take in-store payments with no terminal hardware: show a QR code on any screen, your customer scans, you’re paid.
- runs in any browser on any device: nothing to install
- perfect for retail, F&B and pop-ups
- every sale lands in the same admin portal
pricing
keep 2.65% more of every sale
divit charges 0.75% + HK$2.00 per FPS transaction. Card processors charge around 3.40% + HK$2.35. No setup fees, no monthly fees, no chargebacks, funds in your account the next business day.
On a HK$1,000 order: HK$9.50 with divit vs HK$36.35 by credit card; you keep HK$26.85 more, about 2.65% of the sale.
start saving now →what would your business save?
tip: merchants who show FPS by divit as the first payment option see higher adoption, and higher adoption means you save more.
estimate: divit’s published rate is 0.75% + HK$2.00 per transaction. Card fields default to a typical rate (~3.40% + HK$2.35); edit them to match your statement. Annual figure counts only the share of orders paid by FPS.
getting started
go live today, save immediately
no developer required for most setups. Hong Kong–based onboarding and training are included.
create your free account
Sign up online in minutes. No setup fee, no monthly fee: you only pay per transaction.
connect your platform
Link Xero, QuickBooks, Odoo, WooCommerce or Wix from the admin portal, or open the web POS straight away.
share your QR or checkout
Invoices, your online store and your counter all show the same FPS payment option.
get paid and reconciled
Confirmation is instant, funds settle T+1, and your accounts update themselves.
the network
built on rails Asia already runs on
Hong Kong’s FPS, Singapore’s PayNow, and real-time rails in Malaysia and Indonesia already move billions in bank-app payments. divit is how your business plugs in.
why divit
built for Hong Kong businesses
instant
Scan to settled in under 10 seconds: confirmation the moment your customer pays.
secure by design
Bank-authorised push payments, approved with Face ID or fingerprint. Zero chargebacks.
cost effective
0.75% + HK$2.00 per transaction, no setup or monthly fees: ~2.65% saved on every sale.
built to drive adoption
Show FPS by divit as your first payment option and more customers choose it. Occasional divit lucky draws give them one more reason to.
supported locally
Hong Kong–based onboarding, staff training and support: pop us an email or call +852.
developer friendly
A clean REST API and docs for custom flows, or skip code entirely with the plugins.
faq
frequently asked questions
what is FPS?
FPS (Faster Payment System) is Hong Kong’s real-time payment network, operated by Hong Kong Interbank Clearing Limited and overseen by the HKMA. It lets customers pay directly from their bank app in seconds. Over 2.2 million FPS transactions happen in Hong Kong every day.
how much does divit cost?
divit charges 0.75% + HK$2.00 per FPS transaction, compared with around 3.40% + HK$2.35 for credit cards. On a HK$500 order that’s HK$5.75 instead of HK$19.35, a saving of about 2.65% on every sale. There are no setup or monthly fees.
which platforms does divit work with?
divit integrates with Xero, QuickBooks and Odoo for invoicing, WooCommerce for eCommerce, and provides a web-based point of sale. One integration covers invoicing, online checkout and in-store payments.
is FPS safe for my business?
Yes. FPS payments are bank-authorised push payments. The customer authenticates with Face ID or fingerprint in their own banking app. There is no chargeback mechanism, which eliminates chargeback fraud entirely. Funds settle to your bank account T+1 (next business day).
how fast do I get paid with divit?
Payment confirmation is instant: your order or invoice updates the moment the customer pays. Funds settle to your bank account the next business day (T+1), with instant settlement available for HK$2 per transaction.
do I need a developer to use divit?
No. The WooCommerce plugin installs from the WordPress directory in under 10 minutes, and Xero, QuickBooks and Odoo connect from the divit admin portal with no code required.
more questions? visit FAQ & support
get started
start getting paid the modern way
free sign-up · no monthly fees · live in a day for most merchants