As domestic cross-border trade steadily expands and companies continue to accelerate their overseas expansion, the cross-border payment market has room for continued growth.
More and more companies are shifting their strategic layout overseas, and Helibao is no exception.
In recent years, Helibao Company has focused on the cross-border payment track and achieved leapfrog growth. In 2025, the cross-border payment transaction volume will be nearly 200 billion yuan.
The rapid growth of Helibao’s cross-border payment business is no accident.
From the perspective of the external environment, the internationalization of the RMB is accelerating, China’s cross-border trade settlement demand continues to grow, and more and more Chinese companies are “going out”, which has prompted the continued expansion of cross-border payment demand; back to the company itself, Helibao relies on its licensing qualifications, technical strength and compliance advantages to gradually form its own service characteristics and steadily expand its cross-border business.
Founded in 2013, Helibao is rooted in the Guangdong-Hong Kong-Macao Greater Bay Area, a key cross-border trade hub. It adheres to the core positioning of “payment technology empowerment platform” and continues to polish its technology and service system. It has now formed a complete comprehensive payment service capability, serving more than 13 million merchants in total, and its transaction scale ranks at the forefront of the domestic market.
In the process of serving Chinese enterprises in the implementation of their “going global” and “dual circulation” strategies, cross-border payment business is becoming Helibao’s new growth engine.
By focusing on the actual pain points of enterprises’ cross-border trade settlement, Helibao provides efficient and compliant fund collection and payment solutions for overseas enterprises, effectively facilitating the smooth operation of cross-border trade.
Helibao has obtained the qualification to carry out cross-border RMB business as early as 2015, providing RMB settlement services for cross-border goods trade and service trade for enterprises and individuals.
With the deepening of trade globalization, Helibao has accelerated the layout of cross-border qualifications and product innovation.
In 2024, Helibao opened an office in Hong Kong, and its subsidiaries were approved for money service operator (MSO) licenses. Since then, it has formed a “domestic and overseas dual-licensing” layout, officially launching B2B cross-border collection and payment, wallet services, foreign currency exchange, cross-border settlement and other businesses. The service network extends to mainland China, Southeast Asia, Europe, Latin America and other regions, providing a complete product and service system such as domestic acquiring, cross-border remittance, fund settlement, real-name verification, customs declaration, etc.
In the context of my country’s steady progress in foreign trade and the continued deepening of international cooperation, small and medium-sized enterprises are accelerating their “going overseas”. Helibao timely launches the global trade collection product “eHuitong” to provide efficient and safe cross-border fund collection and payment support for overseas enterprises.
It joins forces with internationally renowned banks to help merchants collect currencies from around the world simply and quickly.
Compared with traditional overseas acquiring business, it supports fast settlement and real-time exchange, and can remit money to global suppliers. While improving the efficiency of cross-border settlement processing, it greatly reduces cross-border settlement costs and effectively meets the settlement needs of small-amount and high-frequency businesses.
In the field of foreign card acquiring, Helibao has established strategic partnerships with major international card organizations and built a global acquiring network covering VISA, MASTER, JCB, Diners Club and other card types. It supports 28 transaction currencies and provides multiple settlement currencies such as RMB, Hong Kong dollars, and US dollars.
On this basis, its services have been further extended to local wallet businesses in Europe, America, Southeast Asia, South Korea, Japan and other markets.
At the same time, Helibao has joined hands with a number of overseas virtual card issuers and cross-border electronic banks to open up electronic banking and global payment channels, thereby optimizing payment links, improving fund utilization, and providing customers with an integrated payment experience of “global collection and global payment”.
As cross-border trade scenarios continue to be segmented, standardized payment services can no longer cover diversified market needs.
On the basis of general services, Helibao has delved into segmented tracks and created customized solutions based on the transaction characteristics of different industries.
At present, Helibao cross-border payment has covered cross-border e-commerce, international logistics, air travel, study abroad payment, overseas advertising and other industries.
Drawing on years of experience in the service industry, it provides compliant, intelligent, and global payment and fund management solutions for various scenarios in cross-border payments, promotes the deep integration of “payment + technology + scenarios”, and assists the global development of enterprises.
In view of the strict review and complicated process of large-value traditional foreign trade transactions, the Helibao payment platform uses a trade document verification mechanism to connect with corporate online banking to achieve cross-border remittances, supports multi-level approval and batch payment, and adapts to the settlement needs of large-value trade.
At the same time, it can efficiently undertake the fragmented collection and payment needs of asset-light service trade such as software subscriptions, overseas advertising, and technical services, and realize the extension of service capabilities from e-commerce retail to full-category cross-border trade.
Facing the international logistics industry where the transaction scale continues to grow, Helibao creates an integrated solution for foreign exchange settlement and payment, providing services such as overseas collection, logistics payment collection and entry, and domestic payment and settlement services, to achieve the smooth flow of cross-border funds from overseas to domestic, and foreign currency to RMB.
Among them, the foreign exchange payment service supports B2B transfers and then payment of foreign exchange, as well as locking foreign exchange before transfer and delivery, and provides a variety of overseas fund distribution channels to help enterprises make efficient and low-cost payments.
In terms of foreign exchange settlement, we rely on the global account system to receive multi-currency remittances and provide real-time exchange rates, stable exchange channels and foreign exchange settlement and payment services.
A compliant, safe, efficient and convenient cross-border payment system is an indispensable core infrastructure for the globalization of Chinese enterprises. This is also the direction that Helibao continues to develop.
In order to ensure the risk identification capabilities of cross-border business, Helibao has joined hands with Dun & Bradstreet, one of the world’s most influential business information service organizations, to build a “data engine” for cross-border payment compliance.
In response to the problems of customer identification and due diligence, Helibao introduced Dun & Bradstreet’s authoritative database covering more than 600 million companies around the world to create a one-stop KYC data capability center to realize real-time query of Hong Kong corporate information, global subject identification verification and screening of negative sanctions information.
This move significantly improves the efficiency of account opening review, builds a dynamic monitoring of customer risks and high-frequency risk control information call mechanism, and effectively reduces the compliance error rate.
The current cross-border payment track is full of competition. Helibao breaks away from the traditional rate competition model and focuses on industrial value output. Relying on a complete cross-border qualification matrix, it creates a full-chain solution covering collection, exchange, settlement, and declaration, and builds differentiated barriers with integrated service capabilities.
Judging from the long-term trend of the industry, cross-border payments will continue to evolve toward digitalization, localization, and full-link services, and cross-border trade of service entities will become the core line of the industry.
Helibao has also been deeply involved in technology iteration and global market layout, exporting high-quality cross-border payment infrastructure services, and continuing to empower domestic overseas companies to seize global trade development opportunities.
