Choco Payment.

Asia’s first online payment solution embedded with revenue-based financing
Getting paid should not be one of your challenges. Here we take care of your global payments safely and securely.

Support payments from 130+ countries

Made for any business
No matter which types of businesses you are, from e-commerce stores to subscription businesses, to platforms and marketplaces, we offer a complete solution to your payment needs.
Accept various payment methods
We accept all major debit and credit cards, such as Visa and MasterCard, from payees around the world. Apple Pay and Google Pay are available too.
Scale globally
We know that your customers can be in any parts of the world. With 135+ currencies and various payment methods, we minimise the friction of payments of your customers in order to increase your sales.

No-code online payment collections

Fully customisable payment collection
Want to embed the payment gateway into your website to create a smooth and seamless experience for your customers? We are here for you.
Integrate with your business
With our API, you can embed the payment gateway into your website or online business platform and customise it.
Hosted payment page
Looking for the easiest way to collect payments without any technical knowledge? Set up a hosted payment page with a few clicks and start collecting immediately.

Your security is our top priority

Your payments are transmitted by Stripe, the world top-notch payment gateways.

AES encryption

All payment details are encrypted with AES-256. Decryption keys are stored on separate machines.

Isolated infrastructure

Our infrastructure for storing, decrypting, and transmitting payments runs in a separate hosting environment, and doesn’t share any credentials with Choco Up’s primary services (API, website, and so on).


Starting from 3.2% + HK$ 2.35

Instant capital with one click

1. Analyse your historical transactions
No need to provide extra information and data, just one click, and your transactions will be your supporting documents for funding approval.
2. Get funded right away
Get an AI-based preliminary offer in a blink of an eye and accept the offer to get funded.
3. Repay with the same account
Save your time on managing repayment to us. We will automatically calculate and take out our part from your revenue.

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Ready to scale your business faster?

Choco up invests from $10K to $5M USD on a revenue share model. We'll simply take a fixed percentage of your sales until we have recouped the capital + flat fee.