Harmony Pay makes global payments simple for your business.
Pay and get paid globally
Open local virtual accounts, collect fiat deposits and send payouts — everything your business needs to move money across markets.
Virtual accounts that work like local
Provision corridor-specific VAs so customers can pay you via local rails, with funds attributed to your ledger in near real time.
Rapidly enter new markets
Get unique virtual account numbers in supported corridors and start collecting local fiat without opening a bank in every country.
Speed. Scale.
Savings. Simplicity.
Apply for a Global Account
A simple online application is your ticket to our global network. Get instant access to local virtual bank accounts in over 40 countries.
Start getting paid
Use your virtual accounts to quickly collect local payments everywhere you have customers. Accept and hold all major currencies including USD, EUR, GBP, JPY, AUD, CAD, HKD, and more.
Start getting paid
Maximise collection efficiency
Route local fiat into Merchant VAs, auto-sweep to a Fiat Master Account, and credit your Client Wallet Ledger — with transparent fees and clear reconciliation.
Make local payments to the world
Quickly set up your vendors, suppliers, staff and more as beneficiaries and make rapid transfers to bank accounts in over 50 countries.
Make local payments to the worldSpend anywhere with Harmony Pay Cards.
Issue physical and virtual Visa cards for your team in minutes. Set limits, control spend, and track every transaction.
Ultra secure
Your card details are stored safely in the Harmony Pay app. Only you can access them. Adjust spending limits on the fly.
Complete control
Numberless physical cards protect against fraud. Change your PIN anytime. Freeze your card with a tap.
Exclusive Visa offers
Benefit from exclusive Visa offers, including discounts on Google Workspace, Office 365, Shopify, Hootsuite and more.
Available for businesses registered in Hong Kong. For more information, visit our help centre.
A single platform to manage global payments
Seamlessly send and receive international payments from a single, all-in-one platform.
Multi-currency payments
Fast and simple multi-currency transfers - all from a centralised account. Easily manage 20+ currencies, including USD, EUR, GBP, AUD, JPY, CNY and more.
Virtual bank accounts
Our Global Account network means you have an account everywhere. Easily enter new markets and collect payments in local currencies on the fly.
Fiat pay-in & payout
Collect local fiat into virtual accounts and pay out to beneficiaries across supported corridors — with ledger credits only after confirmed settlement.
Shared team access
Extend Global Account access to members of your team. Easily manage permissions to view, access and manage controlled aspects of your account.
Personal client support
Get a business account that delivers reliable, real-world service. No bots here - when you need us, we're there to help.
Xero
Simplify bookkeeping and gain better visibility into your cash flow with automatic reconciliation to Xero's accounting software.
Easily collect from marketplaces and payment gateways
FAQs
Global Account
Get started by registering online here.
We welcome most types of businesses, including eCommerce sellers, small-and-medium-sized businesses, large enterprises, marketplaces, and platforms. We do not offer accounts for Sole Traders or for personal use. In terms of jurisdictions, we also welcome businesses registered in most countries, except those that are currently under international sanctions or deemed high risk. We cannot currently onboard businesses registered in the United States, although businesses with American directors are welcome.
Harmony Pay supports the sending and receiving payments to and from most countries, except the countries that are under international sanctions or classified as high risk.
It is completely free to open and maintain a Global Account. We only charge for transactions. You can see a full pricing list on our pricing page.
Teams allows you to extend Global Account access to members of your team. Admins can easily extend permissions to view, access and manage controlled aspects of your account to members. This includes Beneficiaries, Accounts, and Transfers.
Connecting your Global Account to Xero is simple, free and should only take you a few minutes. For a full set of instructions, please visit our Help Centre.
Harmony Pay Visa Business Card
The Harmony Pay Card is available to Global Account holders with Hong Kong companies. Don't have a Global Account? It's completely free to open.
Yes! Physical cards are also available for Global Account holders with Hong Kong companies.
You can have one admin card (free) plus up to five active team member cards for HKD 50/month (flat fee). Additional active cards can be added for HKD 15/month each.
Yes! You can withdraw cash at any ATM displaying the Visa logo.
This is a Hong Kong Dollar card.
Pricing for Harmony Pay Cards varies based on the number of cardholders you have. Please see our pricing page for more information.