Aditya Haripurkar

Building @officialhitpay (@ycombinator S21) — payments infra for SMBs in APAC.

[Aditya Haripurkar @ah2484]

Cross-border payments in Southeast Asia shouldn't require expensive card rails when every country already has incredible local payment infrastructure.

We just connected it all into one QR.

[Aditya Haripurkar @ah2484]

Customers from across APAC pay with the apps they already use, in their local currency, no extra FX markup.

Merchants of any size save over 50% on cross-border card fees.

[Aditya Haripurkar @ah2484]

Thailand: PromptPay, LinePay, TrueMoney
Vietnam: VietQR, ZaloPay
Indonesia: QRIS
Korea: KakaoPay, NaverPay, Toss

[Aditya Haripurkar @ah2484]

HitPay Borderless QR has the best cross-border payment coverage in APAC.

40+ payment schemes from 7 countries.

One QR. In-person and e-commerce. 100+ currencies accepted.

[Aditya Haripurkar @ah2484]

"LTV:CAC with a sales machine, especially if you go after small businesses, is life on hard mode.

Anybody who's crushed it on SMB — those guys are special. Because life in the SMB B2B world is no joke."

[Aditya Haripurkar @ah2484]

Travis Kalanick on B2B SMB sales — worth every minute.

At HitPay we've never done things the easy way:

→ Focus on SMBs
→ Regulated payments across 5 markets
→ Under 40 people
→ LTV:CAC north of 15x

[Aditya Haripurkar @ah2484]

Travis put it perfectly:

"When you go from consumer to B2B, the number one mega-challenge you must master is LTV:CAC."

[Aditya Haripurkar @ah2484]

A coffee stall in KL can now take a Visa tap on an iPhone. No terminal. No rental. No hardware cost.

Tap to Pay on iPhone is live for HitPay merchants in Malaysia.

The smallest business now has the same checkout as the largest retailer.

[Aditya Haripurkar @ah2484]

SEA has the fastest-growing AI adoption globally — consumer and business.

If you're building AI tools, vertical SaaS, or any subscription product targeting this region, you finally have payment rails that match how people pay here.

[Aditya Haripurkar @ah2484]

HitPay supports recurring payments on e-wallets.

Not card-linked wallets. Actual recurring debits on Shopee Pay, GrabPay, TNG, ZaloPay.

[Aditya Haripurkar @ah2484]

Now your Vietnamese customer subscribes with ZaloPay.

Your Malaysian user pays monthly with TNG.

Your Indonesian shopper uses ShopeePay.

No card required.

[Aditya Haripurkar @ah2484]

The only types of employees that remain valuable now are a) high-agency problem-solvers who can use AI to solve the hardest problems in companies, b) those who can improve existing agentic systems and act as reinforcement loops, and c) those who have persuasion/influencing skill sets.

[Aditya Haripurkar @ah2484]

HitPay Checkout V2 is live.

SEA's payment landscape is fragmented as hell — every market runs on different rails. V2 gives each payment method its own space. Click, see what you need, done.

Full control: branding, checkout rules, payment method order.

[Aditya Haripurkar @ah2484]

When Gamma enabled UPI in India through Stripe, their Indian revenue jumped 22% the same month.

That's the power of local payment methods.

Local infra isn't a nice to have. It's the unlock.

HitPay → 40+ local payment schemes across APAC and counting.

[James da Costa @jamdac]

https://t.co/TeV8e3ndp7

[Aditya Haripurkar @ah2484]

💯 this. @officialhitpay we have build a compliance brain that understand our policies and regulations across multiple jurisdictions.

AI native transaction monitoring, AML ,chargeback fraud and KYB tools built in house with Evals, harnesses and self improvement features with humans in the loop.

We built it in house to reduce vendor dependency but a huge opportunity for new folks to build ai native compliance tooling.

[Aditya Haripurkar @ah2484]

Breadth, speed, reliability — qualities that compound over time.

For merchants expanding in Southeast and South Asia, these are the factors that matter.

[Aditya Haripurkar @ah2484]

Speed is the durable competitive advantage.

Competing against companies 10x larger in headcount and funding, we shipped 40+ local payment method integrations in three years. 15 in 2025 alone.

[Aditya Haripurkar @ah2484]

Each new payment method brings its own complexity:

→ Regulatory work
→ Certification
→ Settlement routing
→ Treasury alignment
→ Fraud processes

It's never simply "just an API."