Firefly · payment infrastructure for Asia

One API for Asia’s domestic payment systems

Firefly connects wallets, card programmes and fintech platforms to domestic payment systems across Asia. Clients retain the customer relationship. Firefly provides and maintains the local connectivity, licensing and settlement.

Contact our team How it works

Coverage across Asia

Real-time settlement on all listed systems

VietnamVietQR · NAPAS

IndiaUPI (NPCI)

IndonesiaQRIS · BI-FAST

PhilippinesInstaPay

ThailandPromptPay

SingaporePayNow

Markets currently in operation. Coverage of Malaysia, Japan, Korea, Hong Kong, Bangladesh, Pakistan and other markets in the region can be arranged under the same agreement on request.

Enquire about a market

Payment flow

A single integration for every market

Each payment passes through three parties: the client’s platform, Firefly and the local payment system. If a local provider becomes unavailable, Firefly routes the payment to an alternative provider. The request and response formats remain unchanged.

Client platform

The client submits each payment request in a single, standardised format, regardless of market.

Firefly

Firefly manages provider agreements, licensing, compliance, monitoring and routing, including failover between providers.

IntegrationKYB / KYCComplianceOperationsLocal providersPayment routing

Local payment system

Funds are delivered in local currency through the domestic system used by the recipient: VietQR, UPI, QRIS, InstaPay, PromptPay or PayNow.

Markets in operation

3 days

Typical integration period

24 hrs

Typical KYB review

24/7

Operational monitoring and support

Services

Domestic payment connectivity across Asia under one agreement

Each market in Asia operates its own payment scheme, licensing regime and operating hours. A Firefly agreement covers integration with each scheme and its ongoing operation, for as many markets as the client requires.

Collections

Acceptance of payments by QR code, bank transfer and e-wallet, with settlement to the client’s balance.

Payouts

Disbursements to individuals and merchants in local currency through domestic payment systems.

Provider routing

Multiple provider connections in each market, with automatic failover that requires no change to the client’s integration.

Licensing

Clients operate under Firefly’s local licences and provider agreements, without obtaining separate licences in each jurisdiction.

Compliance and KYB

Client onboarding, sanctions screening and regulatory reporting are integrated into payment processing.

Settlement and reporting

A single reconciliation report across all markets, referencing the identifiers provided in the original request.

Clients

Businesses that require domestic payment coverage in Asia

Wallets and neobanks

Domestic top-up and withdrawal methods for users, without separate agreements with each payment system.

Top-up · withdrawal · P2P

Marketplaces

Local collection from buyers and scheduled payouts to sellers’ existing bank and wallet accounts.

Collections · seller payouts

Payroll and remittance

Salary and transfer payments across Asia from a single balance, with consolidated reconciliation.

Mass payout · FX

PSPs and platforms

Extension of existing coverage into Asia under the client’s own brand, supported by Firefly’s licences.

White label · reseller

Operations

Operations and monitoring

Payment systems have maintenance windows, banks revise file formats and regulators update reporting requirements. Firefly maintains an operations desk for every provider it contracts with, so that these changes do not require action from clients.

Monitoring

All providers are monitored continuously. Performance degradation triggers rerouting before it affects payment success rates.

Local teams

In-market staff resolve issues directly with banks and providers, in the local language and during local business hours.

Scheme changes

Format changes and new regulatory requirements are implemented by Firefly without changes to the client’s integration.

Reporting

Regulatory and internal reports are generated from the same ledger that records payment activity.

API

The request format is identical in every market. The client specifies the amount and destination; Firefly determines the scheme, provider and local formatting.

A single authentication model, error schema and idempotency mechanism

A sandbox environment that replicates live system behaviour, including provider timeouts

Ordered webhooks, available for replay for seven days

POST /v1/payoutsIdentical in every market

{

"amount": { "value": 1450000, "currency": "VND" },

"destination": { "type": "vietqr", "handle": "9704..." },

"reference": "INV-20932",

"idempotency": "b7f1c0e2"

}

201 Created

{ "id": "pay_8Fq2", "state": "accepted", "rail": "VietQR" }

Contact

Discuss your requirements with our team

The initial call takes thirty minutes and is held with the team responsible for payment connectivity. It covers the payment systems suited to your use case, onboarding requirements and an indicative timeline.

Thank you. Your enquiry has been received, and our team will contact you by email.

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Alternatively, write topartnership@fireflypay.io

Initial call

Review of target markets, payment flows, expected volumes and compliance requirements.

Proposed configuration

Firefly prepares a proposed setup covering payment systems, routing and the settlement path for the client’s use case.

KYB onboarding

Submission of company documents. Sandbox access is typically provided within 24 hours.

Integration

Approximately three days of engineering for the first market, with less required for each additional market.