Which Payment Gateways Are There in Taiwan? Comparing Fees for ECPay, NewebPay, PAYUNi and More

If you want to take payments on your website, the first step is usually picking a payment gateway 🔍 Taiwan has quite a few providers, and each has slightly different application requirements, fees and payout times.

This article puts together the providers most commonly used for website payments, with sources for all the numbers.

Data as of 10/2026; each provider's official announcements take precedence. Payment gateways adjust their rates and may offer different terms depending on your shop's size and review results, so please check the official pages again before applying 📌

A few small things to understand first

Before comparing, check these three small things, or it's easy to misread the numbers:

• Tax included or not: some providers publish pre-tax prices and add 5% business tax at settlement; others list tax-included prices. 2.75% before tax works out to about 2.89% after tax, which is about the same as 2.8% tax included
• Payout period: this is how long until the money is in your payment gateway account and can be withdrawn, not when it reaches your bank
• Regular members vs. contracted members: most providers have a regular plan you apply for online and a plan you sign with a sales rep. The latter has negotiable rates but may come with an annual fee or setup fee

ECPay

Sources: ECPay fees page, ECPay service info (official)

• Who can apply: individuals, companies and sole proprietors, foundations and associations, and civic organizations
• Payment methods: credit cards, Apple Pay, ATM virtual bank accounts, convenience-store payment codes, convenience-store barcodes and more; installments and foreign cards require signing up as a "contracted seller"
• Regular seller fees (before tax): domestic credit cards 2.75% (minimum US$0.16 per transaction), plus a credit card order processing fee of US$0.03 per transaction; ATM virtual bank accounts 1% (minimum US$0.48); convenience-store payment codes US$1.00 per transaction; convenience-store barcodes US$0.52 per transaction
• No setup fee is listed for regular sellers; contracted sellers have a system setup fee and an annual service fee
• Payouts: within 10 days after payment for regular sellers; interbank withdrawals cost US$0.48 each
• Limits: for regular sellers, the 30-day collection limit is US$6,455 for individuals and US$16,130 for businesses

NewebPay

Sources: NewebPay rate table (official, 10/2026)

• Who can apply: individuals (natural persons with full legal capacity), companies or sole proprietors
• Payment methods: credit cards (including installments), ATM transfer, WebATM, convenience-store payment codes and barcodes, Taiwan Pay and more
• Fees (tax included): domestic credit card one-time payment 2.8%; virtual bank account (Smart ATM) 1%, minimum US$0.32 per transaction; ATM transfer 1%, maximum US$0.65 per transaction; convenience-store payment code US$0.90 barcode US$0.65; Taiwan Pay 1.5%
• The official rate table doesn't list an annual fee or setup fee
• Payouts: credit cards on the capture date +10 days; ATM on the payment date +7 days; convenience stores on the payment date +10 days
• Limits: US$6,455 for individual members, US$19,355 for business members
• Withdrawals: US$0.32 each, with the first 5 each month free

PAYUNi

Sources: search snippets from the official fees page (PAYUNi fee list) and a third-party summary (ecsoga PAYUNi fee guide, 6/2026). The official website's announcements take precedence.

• Who can apply: individual members and business members (companies, sole proprietors, organizations)
• Payment methods: credit cards, ATM, convenience-store payment codes, LINE Pay, Apple Pay, JKOPay and more
• Fees: domestic credit cards 2.8%; ATM about 1%; convenience-store payment codes about US$0.81 (third-party summary)
• Payouts: credit cards are paid into your account on the capture date +7 days

TapPay

Sources: TapPay pricing (official)

• Who can apply: the official website doesn't say whether individuals can apply. It mainly targets companies and online stores, and you need to contact sales
• Payment methods: credit cards, Apple Pay, Google Pay, online ATM, plus e-payments like LINE Pay and JKOPay
• Fees (before tax): domestic credit cards 2.75%, foreign cards 3.5%; online ATM 1% (minimum US$0.48); e-payments carry an extra 0.3% gateway fee
• Other: the official website lists an annual membership fee, and actual rates are set after a risk assessment

TapPay's standout feature is that the card fields can be embedded right in your website without redirecting to another page. It's more common with online stores that have their own engineering team 🧩

Mobile payments: LINE Pay, JKOPay, Taiwan Pay

These three are payment tools on customers' phones. To accept them on a website, the usual way is to enable them through one of the payment gateways above. For example, NewebPay lists Taiwan Pay, and PAYUNi and TapPay both list LINE Pay and JKOPay.

You can also apply as a merchant directly with LINE Pay, but the requirements for individual accounts are stricter and rates depend on your application, so we won't list numbers here.

The TWQR stands you often see in physical shops are a shared payment QR code that works across providers. They're mainly used in stores and are different from website checkout.

Other providers still in operation

• O'Pay: still in operation, and ECPay's TWQR payments are charged by O'Pay. We couldn't find official published rates for website payments
• SmilePay: offers credit cards, WebATM, virtual bank accounts, and convenience-store payment codes and barcodes. It has “special merchant” and “regular merchant” tiers, and some services are only for companies (SmilePay website)
• SunTech: offers online payments, installments, convenience-store collection, payment links, card machines and e-invoices; contact sales for rates (SunTech website)
• PChomePay: currently used mainly on the Ruten marketplace and rarely on standalone websites, so we've left it out of the comparison

Let's do the math with the same order

Using the published numbers above, here are two common cases (just to illustrate; actual amounts depend on each provider's dashboard and contract):

• US$35 credit card order: ECPay regular seller 2.75% is US$0.89, plus an US$0.03 order processing fee, with 5% business tax added at settlement; NewebPay 2.8% tax included is US$0.90
• US$10 convenience-store payment code order: ECPay is US$1.00 NewebPay is US$0.90 and PAYUNi is about US$0.81 per a third-party summary; with a convenience-store barcode instead, ECPay is US$0.52 and NewebPay is US$0.65

As you can see, each provider is cheaper for some payment methods and pricier for others. No single one is the cheapest for everything. When comparing, use your most common order amount and your customers' most-used payment method; that's more accurate than looking at credit card rates alone.

How to choose

When comparing, you can go in this order:

• Whether you can apply as what you are (individual, sole proprietor or company)
• Whether it offers the payment methods your customers use most
• How much your average order is, and which payment method's fees work out better
• Whether the payout period and collection limit are enough for your cash flow
• Which providers your website system supports

Our E-commerce Website every plan includes payment gateway integration, your choice of ECPay or NewebPay; Small Shop Website booking deposits and event registration fees connect to your own ECPay account, so the money goes straight into your account 🛒

If you're still not sure what a payment gateway is, start with What is a payment gateway?; to learn what you need to apply, read How individuals, sole proprietors and companies apply for a payment gateway.