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HSBC GBA Business Payment Connect

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Payment Connect

At HSBC, we understand businesses need to work cost-effectively and efficiently to stay ahead and capture opportunities in the Greater Bay Area (GBA). That is why we provide a borderless experience to help you enhance business operational efficiency, and more privileges for you.


Cross border payment now faster and more cost effective

With the Guangdong-Hong Kong-Macao Greater Bay Area (GBA) now being a sizeable growth engine of China, efficient and low-cost fund transfer has become a success factor for corporates to tap into the unlimited business opportunities there. The solution of Macau-Hong Kong Express Payment is now available to support payments in HKD and USD from HSBC Macau to banks in Hong Kong (including HSBC Hong Kong and other banks), and able to keep track of payment status in real time to help clients with renewed business growth.


HSBC payment services within the GBA help you:

icon1 Enjoy time & cost efficient cross-border payment management experience

icon2 Make payment within the GBA in as fast as 2 minutes*

icon3 Maximise your cash flow from faster and cost-efficient fund transfers

icon4 Track payments status on the go via mobile apps with full visibility

*The payment instruction will arrive at beneficiary bank in 2 minutes the soonest. The crediting time is subject to the speed of processing by the beneficiary bank.

Payment flow is clearer and more controllable

Instant Payment Alerts

Payment e-Advice for account reconciliation

Real time payment status tracking, including the statuses of intermediary bank and beneficiary bank processing USD and HKD payments

Support payment status checking via HSBCnet and HSBCnet Mobile App

Cross-border solution unlocks the unlimited opportunities

The Macau-Hong Kong Express Payment offers a faster and more cost-effective solution for businesses to tap into the growth potential of the GBA.

Speed matters, ‘just-in-time’ service facilitates business growth

Speed matters, ‘just-in-time’ service facilitates business growth

Thanks to Hong Kong’s position as the world’s top trading hub, GBA offers a unique seedbed for the development of trade. Faster connectivity between jurisdictions within the GBA is thus essential for trading companies to fully capitalise on the strength of the area to enhance their global competitiveness. A GBA-based electronic manufacturer has benefitted in a big way from this solution.

Three to four days a month, the company needs to exchange RMB or MOP for USD to purchase raw materials from its Hong Kong-based supplier. However, global commodity prices went through some wild swings in recent years and exchange rates were volatile. If the company fails to pay its supplier in USD on time, the cost of raw materials would be dramatically different. So it is critical for the company to lock in the best exchange rate and pay its supplier on time in order to secure continued business growth.

One of the highlights of the solution is that funds can arrive at the beneficiary bank in 2 minutes the soonest after the payment instruction is issued. With this solution, the company has come to realise how ‘fast’ cross-border payments can be and, as a result, how much easier it is to manage its business now. "It can help us locking in the import cost and the currency exchange rate and enable same-day cross-border payments. It has delivered real operational efficiency gains and financial cost savings for us." says the company owner.

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