Introduction

PayNow has become Singapore's go-to payment method, with instant transfers using just a mobile number or NRIC making it the preferred choice for local consumers. (How to Accept PayNow on Shopify: Discover the Best Payment Gateway for Shopify in Singapore) For Shopify merchants in Singapore, adding PayNow isn't just about convenience—it's about meeting customer expectations and reducing cart abandonment.

HitPay emerges as Singapore's leading payment gateway for Shopify, offering seamless PayNow integration alongside local e-wallets, international cards, and over 100 currencies. (Shopify Payment Gateway in Singapore – Accept PayNow, GrabPay & Cards with HitPay) This comprehensive guide walks you through every screen, from installing the HitPay app to optimizing your checkout flow for maximum conversions.

With Shopify's new 0.5% gateway surcharge and the rise of mobile-first shopping, getting your PayNow setup right in 2025 is crucial for staying competitive. (Best Payment Gateway to Use For Your Shopify Store in Singapore - Fee Comparison & Payment Modes) We'll cover everything from prerequisites to advanced UX tips, ensuring you can go live in under 15 minutes.

Why PayNow + HitPay is the Winning Combination for Shopify

PayNow: Singapore's Payment Standard

PayNow is a real-time payment system that enables users to send and receive money instantly using mobile numbers, NRIC/FIN, or Virtual Payment Addresses. (How to Accept PayNow on Shopify: Discover the Best Payment Gateway for Shopify in Singapore) For e-commerce, this translates to:

• Instant settlements: No waiting 3-5 business days for card payments

• Lower fees: Typically cheaper than credit card processing

• Higher trust: Familiar interface reduces payment anxiety

• Mobile-optimized: Perfect for Singapore's mobile-first shopping habits

HitPay: Your Gateway to Local Payments

HitPay is positioned as Singapore's best Shopify payment gateway, supporting PayNow alongside local and international payment methods. (Shopify Payment Gateway in Singapore – Accept PayNow, GrabPay & Cards with HitPay) As an omnichannel payment provider platform designed for small businesses, HitPay allows merchants to accept various payment forms including PayNow, Alipay, Credit Cards, and WeChat Pay. (Connect PayNow Via HitPay)

Key advantages:

• Comprehensive coverage: 700+ local payment methods across Asia-Pacific

• Regulatory compliance: Licensed as a Major Payment Institution by MAS

• Developer-friendly: APIs, plugins, and no-code solutions

• Transparent pricing: Pay-per-use with no setup or monthly fees

Prerequisites: What You Need Before Starting

1. HitPay Account Setup

Before integrating HitPay with your Shopify store, you need to create a HitPay account and activate the necessary payment methods. (Shopify - Product Guide) Here's what you'll need:

Business Requirements:

• Valid Singapore business registration (ACRA)

• Business bank account

• Authorized signatory identification

• Business address verification

Technical Requirements:

• Shopify store (any plan)

• Admin access to Shopify dashboard

• Basic understanding of payment gateway concepts

2. Understanding the Cost Structure

With digital and cashless payments being the most-used payment method in Singapore as of 2023, merchants typically pay around 3% in online payment processing fees. (3 Ways to Lower Payment Processing Fees in Singapore) For context, Stripe's standard pricing is 3.4% + S$0.50 per successful transaction for domestic cards. (Pricing & Fees)

HitPay offers competitive rates with transparent, pay-per-use pricing that often beats traditional processors, especially for PayNow transactions.

Step-by-Step Installation Guide

Step 1: Install HitPay from Shopify App Store

HitPay can be installed directly from the Shopify App Store, making the initial setup straightforward. (Shopify - Product Guide)

1. Navigate to Shopify App Store

   • Log into your Shopify Admin

   • Go to "Apps" in the left sidebar

   • Click "Visit Shopify App Store"

2. Search and Install HitPay

   • Search for "HitPay Payment Gateway"

   • Click "Add app" on the HitPay listing

   • Review permissions and click "Install app"

3. Initial App Configuration

   • You'll be redirected to HitPay's configuration page

   • Keep this tab open—you'll need your HitPay credentials next

Step 2: Configure HitPay Dashboard Settings

To integrate HitPay with your e-commerce platform, you need to access the HitPay Dashboard and configure the necessary settings. (Connect PayNow Via HitPay)

1. Access HitPay Dashboard

   • Log into your HitPay account at hitpayapp.com

   • Navigate to "Settings" > "Payment Gateway"

   • Locate your API credentials

2. Generate API Keys

3. Configure Webhook URLs

   • Set success URL: https://yourstore.myshopify.com/checkout/orders/[ORDER_ID]

   • Set webhook URL: https://yourstore.myshopify.com/webhooks/hitpay

Step 3: Connect HitPay to Shopify

Back in your Shopify admin:

1. Enter HitPay Credentials

   • Paste your API Key from HitPay dashboard

   • Enter the Salt for webhook verification

   • Select "Live Mode" (or "Test Mode" for testing)

2. Enable Payment Methods

   • Check "PayNow" in the available methods list

   • Optionally enable other methods (GrabPay, Cards, etc.)

   • Set display names for each method

3. Configure Advanced Settings

   • Set minimum/maximum order amounts

   • Configure currency settings (SGD recommended)

   • Enable/disable specific payment methods per product

Step 4: Test the Integration

Before going live, thoroughly test your PayNow integration:

1. Enable Test Mode

   • Switch to HitPay's sandbox environment

   • Use test credentials provided in your HitPay dashboard

2. Process Test Transactions

   • Add items to cart and proceed to checkout

   • Select PayNow as payment method

   • Complete the payment flow using test data

3. Verify Order Processing

   • Check that orders appear in Shopify admin

   • Confirm payment status updates correctly

   • Test webhook notifications

Mobile-First Checkout Optimization

Understanding Singapore's Mobile Commerce Landscape

With mobile commerce dominating Singapore's e-commerce scene, optimizing your PayNow checkout for mobile devices is crucial. The HitPay app provides a streamlined and versatile payment solution that works seamlessly across devices. (Online Payments - Product Guide)

Mobile UX Best Practices

1. Streamlined Payment Selection

<!-- Add PayNow logo for instant recognition -->
<div class="payment-method paynow-option">
  <img src="/assets/paynow-logo.svg" alt="PayNow" class="payment-logo">
  <span class="payment-text">Pay instantly with PayNow</span>
  <span class="payment-badge">Instant</span>
</div>

2. Clear Value Proposition

• Display "Instant payment" badge next to PayNow option

• Show "No additional fees" if applicable

• Include estimated processing time ("Instant confirmation")

3. Mobile-Optimized Flow

• Large, thumb-friendly payment buttons

• Minimal form fields (PayNow handles most details)

• Clear progress indicators

• One-tap payment confirmation

Adding PayNow Trust Signals

To boost conversion rates, add PayNow logos and trust signals at the product level:

<!-- Product page trust signal -->
<div class="payment-options-preview">
  <span class="payment-text">Pay with:</span>
  <img src="/assets/paynow-small.svg" alt="PayNow" class="inline-payment-logo">
  <img src="/assets/visa-small.svg" alt="Visa" class="inline-payment-logo">
  <img src="/assets/mastercard-small.svg" alt="Mastercard" class="inline-payment-logo">
</div>

Advanced Configuration Options

Handling the 0.5% Shopify Gateway Surcharge

Shopify now charges a 0.5% fee on transactions processed through third-party gateways. Here's how to handle this:

Option 1: Absorb the Cost

• Factor the 0.5% into your product pricing

• Maintain simple checkout experience

• Best for high-margin products

Option 2: Pass to Customers
HitPay offers options to lower online payment processing fees, including passing the fees to customers. (3 Ways to Lower Payment Processing Fees in Singapore)

Multi-Currency Support

HitPay supports over 100 currencies, making it ideal for cross-border transactions. (Shopify Payment Gateway in Singapore – Accept PayNow, GrabPay & Cards with HitPay) Configure currency settings based on your target markets:

Webhook Configuration for Advanced Reporting

Set up webhooks to sync payment data with your analytics tools:

{
  "webhook_url": "https://yourstore.com/webhooks/hitpay",
  "events": [
    "payment.completed",
    "payment.failed",
    "refund.processed"
  ]

Order Management and Reconciliation

Understanding HitPay's Reporting Dashboard

HitPay provides comprehensive reporting tools to help you reconcile PayNow orders with your Shopify data. The platform offers both hosted checkout and API integration options for maximum flexibility. (Online Payments - Product Guide)

Daily Reconciliation Process

1. Export Transaction Data

• Log into HitPay dashboard

• Navigate to "Transactions" > "Reports"

• Filter by date range and payment method (PayNow)

• Export as CSV for analysis

2. Match with Shopify Orders

• Cross-reference HitPay transaction IDs with Shopify order numbers

• Verify amounts and timestamps

• Flag any discrepancies for investigation

3. Settlement Tracking

• Monitor settlement status in HitPay dashboard

• Track funds transfer to your bank account

• Reconcile with bank statements

Automated Reconciliation Setup

Troubleshooting Common Issues

Payment Failures and Error Handling

Common PayNow Issues:

Integration Debugging

1. Webhook Issues

2. API Connection Problems

• Verify API credentials are correct

• Check firewall settings

• Confirm SSL certificate validity

• Test in sandbox mode first

3. Order Status Sync Issues

• Check webhook URL configuration

• Verify signature validation

• Monitor webhook delivery logs in HitPay dashboard

Performance Optimization Tips

Reducing Checkout Abandonment

With Shopify offering over 40+ payment gateways for stores in Singapore, providing multiple payment options including PayNow is crucial for reducing abandonment. (Best Payment Gateway to Use For Your Shopify Store in Singapore - Fee Comparison & Payment Modes)

Optimization Strategies:

1. Payment Method Ordering

   • Place PayNow first for Singapore customers

   • Use geolocation to show relevant methods

   • Hide irrelevant options to reduce choice paralysis

2. Loading Speed Optimization

3. Error Prevention

   • Validate payment method availability before showing

   • Provide clear error messages

   • Offer alternative payment methods when PayNow fails

A/B Testing Payment Options

Test Variations:

• PayNow logo placement (top vs. middle of payment options)

• Button text ("Pay with PayNow" vs. "Instant Payment")

• Trust signals ("Instant" vs. "Secure" badges)

• Color schemes (PayNow red vs. store brand colors)

Security and Compliance

PCI DSS Compliance

HitPay handles PCI DSS compliance, reducing your security burden. The platform is PCI-DSS compliant, encrypted, and powered by enterprise-grade security measures. However, you still need to:

• Use HTTPS for all payment pages

• Implement proper webhook signature verification

• Store minimal payment data

• Regular security audits of your integration

Data Protection Best Practices

Fraud Prevention

• Monitor for unusual transaction patterns

• Implement velocity checks

• Use HitPay's built-in fraud detection

• Set up alerts for high-value transactions

Going Live: Final Checklist

Pre-Launch Verification

Technical Checks:

• [ ] PayNow appears correctly in checkout

• [ ] Test transactions complete successfully

• [ ] Webhooks are receiving and processing correctly

• [ ] Order statuses update properly in Shopify

• [ ] Email confirmations are sent

• [ ] Mobile checkout flows smoothly

Business Checks:

• [ ] Payment method fees are acceptable

• [ ] Settlement schedule meets cash flow needs

• [ ] Customer service team trained on PayNow issues

• [ ] Refund process tested and documented

• [ ] Reconciliation process established

Launch Day Protocol

1. Soft Launch

   • Enable PayNow for a small customer segment

   • Monitor transaction success rates

   • Gather initial feedback

2. Full Rollout

   • Enable for all customers

   • Monitor key metrics (conversion rate, abandonment)

   • Be ready to disable if issues arise

3. Post-Launch Monitoring

   • Daily transaction reconciliation

   • Weekly performance review

   • Monthly optimization assessment

Measuring Success and Optimization

Key Performance Indicators

Payment Method Performance:

• PayNow adoption rate (% of customers choosing PayNow)

• PayNow conversion rate vs. other methods

• Average transaction value by payment method

• Payment failure rates

Business Impact:

• Overall checkout conversion rate improvement

• Cart abandonment rate reduction

• Customer satisfaction scores

• Processing cost savings

Continuous Optimization

Monthly Reviews:

• Analyze payment method performance data

• Review customer feedback and support tickets

• Test new UX improvements

• Benchmark against industry standards

Quarterly Assessments:

• Evaluate total cost of ownership

• Review security and compliance status

• Plan feature enhancements

• Consider expanding to other HitPay payment methods

Expanding Beyond PayNow

Additional HitPay Payment Methods

Once PayNow is successfully integrated, consider enabling other popular Singapore payment methods available through HitPay:

• GrabPay: Popular among younger demographics

• Atome: Buy-now-pay-later option

• ShopeePay: E-wallet with strong mobile presence

• International Cards: Visa, Mastercard, Amex for tourists

Regional Expansion

HitPay's multi-market presence makes regional expansion straightforward. The platform supports various payment methods across multiple countries including Singapore, Malaysia, Philippines, and others. (Online Payments - Product Guide)

Expansion Strategy:

1. Research local payment preferences

2. Enable relevant payment methods

3. Localize checkout experience

4. Test with local customers

5. Monitor performance and optimize

Conclusion

Adding PayNow to your Shopify store through HitPay is more than just enabling another payment method—it's about meeting your Singapore customers where they are and providing the seamless, instant payment experience they expect. (How to Accept PayNow on Shopify: Discover the Best Payment Gateway for Shopify in Singapore)

With the step-by-step guide above, you can have PayNow live on your store in under 15 minutes. The key to success lies in the details: proper mobile optimization, clear trust signals, robust error handling, and continuous performance monitoring.

As Singapore continues its digital transformation and mobile commerce growth, having PayNow as a payment option isn't just nice-to-have—it's essential for staying competitive. HitPay's comprehensive platform, regulatory compliance, and local expertise make it the ideal partner for this journey. (Shopify Payment Gateway in Singapore – Accept PayNow, GrabPay & Cards with HitPay)

Start with PayNow, measure the impact, and gradually expand to other local payment methods as your business grows. Your customers will appreciate the convenience, and your bottom line will benefit from reduced cart abandonment and faster settlements.

FAQ

How long does it take to set up PayNow on Shopify using HitPay?

Setting up PayNow on your Shopify store using HitPay takes under 15 minutes. You'll need to create a HitPay account, activate PayNow as a payment method, install the HitPay app from the Shopify App Store, and configure your account details. The process is streamlined for Singapore merchants to get up and running quickly.

What are the fees for using PayNow through HitPay on Shopify?

HitPay offers competitive PayNow processing fees for Shopify merchants in Singapore. As of 2025, there's also a new 0.5% Shopify gateway surcharge to consider. HitPay provides options to lower payment processing fees, including the ability to pass fees to customers and enabling multiple payment methods to reduce overall costs.

Why is PayNow important for Singapore Shopify stores?

PayNow has become Singapore's preferred payment method, allowing instant transfers using just a mobile number or NRIC. For Shopify merchants in Singapore, offering PayNow isn't just about convenience—it's essential for capturing local customers who expect this payment option. Digital and cashless payments are now the most-used payment method in Singapore as of 2023.

Can I accept other payment methods besides PayNow with HitPay?

Yes, HitPay is a full-stack payments platform that supports PayNow along with local and international credit cards, popular e-wallets like Alipay and WeChat Pay, GrabPay, and over 100 currencies. This makes it an ideal solution for Singapore merchants who want to offer comprehensive payment options to both local and international customers.

Do I need technical skills to integrate PayNow with my Shopify store?

No technical skills are required. HitPay can be installed directly from the Shopify App Store as a plugin. The integration process involves creating a HitPay account, activating PayNow, and connecting your account details through the user-friendly interface. The setup is designed for small businesses and SMEs without technical expertise.

How does HitPay compare to other Shopify payment gateways in Singapore?

HitPay is positioned as Singapore's best Shopify payment gateway, specifically designed for the APAC region. Unlike Shopify's default payment gateway which offers limited methods, HitPay provides comprehensive local payment options including PayNow, which is crucial for Singapore merchants. It offers better localization compared to international gateways like Stripe.

Citations

1. https://blog.hitpayapp.com/lower-payment-processing-fees-singapore/

2. https://blog.hitpayapp.com/paynow-shopify-payment-gateway-singapore/

3. https://digitalheartlander.com/best-payment-gateway-to-use-for-your-shopify-store-in-singapore/

4. https://docs.hitpayapp.com/payments/payments

5. https://docs.hitpayapp.com/plugins/shopify

6. https://hitpayapp.com/sg/shopify

7. https://stripe.com/en-sg/pricing

8. https://support.easystore.co/en/article/connect-paynow-via-hitpay-18hegsj/