customers · FAQ & support
got questions? you’ve come to the right place
everything about divit, FPS, pay now, pay later, integrations and refunds. If you can’t find it here, just ask us.
about divit & FPS
about divit & FPS
who is divit?
divit is a Hong Kong–based fintech, partnered with Citi, providing real-time FPS payment infrastructure for businesses: embedded payments for invoicing, eCommerce and point of sale, at 0.75% + HK$2.00 per transaction.
can I trust divit?
Absolutely. divit only accepts FPS payments, which you make yourself from your secure mobile banking app. divit is also a licensed Hong Kong money lender (licence no. 0296/2026), regulated under the Money Lenders Ordinance of Hong Kong (Chapter 163) by the Companies Registry and the Hong Kong Police Force.
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.
for merchants
for merchants
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.
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.
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.
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.
integrations
integrations
how do I add an FPS payment link to Xero invoices in Hong Kong?
Connect divit’s direct Xero integration and a secure FPS by divit pay-now button is embedded on your invoices: customers pay from their banking app and payments reconcile automatically. divit also integrates with QuickBooks and Odoo for invoicing.
what is the most cost-effective way for Hong Kong clinics and education centres to collect payments?
For healthcare and education providers, the most cost-effective way to collect payments is FPS smart invoicing. Instead of paying card-terminal rates, your invoices carry an FPS QR code and customers pay from their banking app; you pay 0.75% + HK$2.00 per transaction with automatic reconciliation.
how can I accept FPS payments on Wix?
divit provides an open-source Wix integration: an official Wix Payment SPI that adds FPS to the native Wix checkout, with QR codes on desktop and bank-app redirect on mobile. Installation takes a few guided steps in the Wix Editor: see github.com/divit-stem/divit-for-wix.
how can I accept FPS payments on custom or no-code platforms?
Build on the divit REST API: full documentation is at developer.divit.com.hk. For WooCommerce there’s a free plugin, Wix has an open-source integration, and Xero, QuickBooks and Odoo connect with no code at all.
pay now & pay later
pay now & pay later
what is pay now?
Pay now is divit’s FPS payment solution: you pay by scanning a QR code or payment link using your preferred mobile banking app. It’s fast, safe and instant.
what is pay later?
Pay later is divit’s interest-free FPS payment solution that lets you buy now and pay for purchases over three interest-free monthly payments. Your 1st payment initiates the transaction, and your 2nd and 3rd payments are set at 30 and 60 days from the date of purchase.
who can use divit pay later?
Hong Kong residents aged 18 or over with an FPS account. We’ll need to verify your HKID, mobile number and email address.
why do you need to verify my HKID?
If you are using pay later, divit, as a regulated Hong Kong money lender, is required to conduct KYC (know-your-customer) checks.
are there any late fees?
Pay now has no late fees. For those using pay later, your 2nd and 3rd payments may be subject to late fees if they are more than 5 days late. Late fees are capped at HK$100 per late payment. divit lets you set a reminder on your pay day to help you pay on time.
paying & refunds
paying & refunds
how do I pay with FPS by divit?
There are three ways to pay: scan the QR code with your banking app, import a saved QR code from your photo album, or enter divit’s FPS ID (162638308) manually in your preferred banking app. Paying by FPS is free for customers.
who can use divit?
Anyone with an FPS-enabled Hong Kong bank account can pay with FPS by divit: no credit card is needed. For pay later, you’ll also need to be a Hong Kong resident aged 18 or over and complete verification.
are there any hidden fees?
No, we don’t believe in keeping secrets, and we don’t believe in annual fees or account-keeping fees. For selected merchants, a service fee may be charged to keep prices low.
how can I get a refund?
Please contact your merchant to initiate the refund. We recommend providing a screen capture of your payment as proof to the merchant when you make the request. When we receive the merchant’s instruction, we will refund directly back to your account.
still stuck?
ask us anything
pop us an email or give us a call: Hong Kong–based support, Monday to Friday 9am–6pm