UK-based split payments provider Hands In has announced a strategic partnership with AsiaPay, one of Asia-Pacific’s leading digital payment gateways, to bring a new suite of flexible payment solutions to merchants across the region. The collaboration will enable AsiaPay’s extensive network of businesses to natively integrate multi-card and group payment options directly within their online checkouts.
The partnership is designed to address significant friction points in high-value online transactions, particularly within the travel, ticketing, hospitality, and retail sectors where high average order values are common. These industries often suffer from high rates of cart abandonment when customers face credit limits on a single card or the logistical challenges of organising payment for a group booking. By offering more flexible ways to pay, the two companies aim to reduce failed transactions, increase sales, and improve the overall customer experience.
Unlocking Flexible Payment Solutions
Through the collaboration, AsiaPay merchants can now offer two primary split payment features. The first, Multi-Card Payments, allows a single customer to split the cost of a purchase across two or more of their own cards at the point of checkout. This directly addresses the issue of credit limits acting as a barrier to completing a high-value purchase and has a reported conversion rate of 95 per cent. The option can be presented at checkout or offered as a cart recovery tool.
The second feature,
Group Payments, allows up to ten individuals to split a bill in customisable amounts, eliminating the need for one person to pay the full amount and later chase friends or family for reimbursement. Participants can pay their share via a QR code, payment link, text, or email, creating a more convenient checkout experience. For merchants, this solution has been shown to increase transaction values and acts as a powerful customer acquisition tool, with one business reportedly adding over 50,000 new customers through the feature.
Tackling Failed Payments and Decline Recovery
A key component of the Hands In offering is its Decline Recovery feature, which is designed to salvage transactions that fail due to insufficient funds. When a payment is declined, the customer is immediately presented with the option to use a split payment method to complete the purchase. This creates a frictionless experience for the user while directly addressing a major source of lost revenue for businesses.
The impact of this feature is significant, as failed payments cost the global economy an estimated $118.5 billion annually. According to Hands In, its Decline Recovery tool is responsible for over 50 per cent of its total processing volume, demonstrating its effectiveness in converting potentially lost sales into successful transactions. For AsiaPay merchants, this provides a powerful mechanism to protect their bottom line.
Joseph Chan, CEO of AsiaPay, commented: “We are delighted to partner with Hands In to introduce seamless split payment solutions to our merchants across Asia-Pacific. This alliance reflects our shared commitment to new payment innovation and customer-first payment value and experience.”
Samuel Flynn, founder and CEO of Hands In, added: “Our partnership with AsiaPay is a major step as we expand across Asia-Pacific. We’re solving real payment pain points, from failed transactions to group checkout friction, and I’d like to thank Joseph Chan and his visionary team for working with us to bring split payments to more merchants across the region.” The integration requires no additional technical work for existing AsiaPay merchants.
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