Pricing is often the deciding factor when choosing a payment gateway. Whether you are launching an online store, running a retail POS, or managing a service-based business in Southeast Asia, understanding exactly what you will pay per transaction matters. This guide breaks down HitPay rates clearly: what you pay, when you pay it, and what you get in return.

What Are HitPay Rates?

HitPay rates refer to the transaction fees charged when a merchant partner processes a payment through the HitPay platform. These fees cover the cost of securely routing payments across card networks, digital wallets, bank transfers, and buy-now-pay-later providers. Unlike many competitors, HitPay does not bundle fees inside a monthly subscription. You only pay when you earn.

HitPay's Pricing Model: Pay-As-You-Go, No Monthly Fee

HitPay operates on a zero monthly fee structure. There is no mandatory monthly subscription required to access the full platform.

Key features of HitPay's pricing model:

• No setup fees — create your account and start accepting payments at no cost

• No monthly subscription — your costs scale directly with your revenue

• No hidden charges — the rate you see is the rate you pay

• Multi-channel included — online, in-person POS, payment links, and invoicing are all available on the same account

HitPay Transaction Rates by Market

HitPay rates differ slightly depending on the country of operation and the payment method used.

Note: Rates are subject to change. Always refer to the official HitPay pricing page for the most current figures before making any financial decisions.

Singapore

For Singapore-based merchant partners, HitPay Singapore supports a wide range of payment methods including Visa, Mastercard, PayNow, GrabPay, and more. Transaction fees vary by method, with local bank transfer options like PayNow typically carrying lower rates. See the HitPay Singapore pricing page for the full current rate schedule.

Malaysia

Malaysian merchant partners can accept payments via Visa, Mastercard, FPX bank transfer, DuitNow, GrabPay, and other local e-wallets. FPX and DuitNow rates reflect the lower processing cost of direct bank-to-bank transfers. See the HitPay Malaysia pricing page for current rates.

Philippines

In the Philippines, HitPay supports GCash, card payments, QRPh, and other local methods. See the HitPay Philippines pricing page for current rates.

What Do HitPay Rates Cover?

When you pay a HitPay transaction fee, the fee covers:

• Payment processing infrastructure — secure, PCI-DSS compliant transaction handling

• Fraud and risk management — real-time monitoring to protect merchant partners and their customers

• Multi-currency support — accept payments from international buyers where applicable

• Platform access — dashboard, analytics, payment link generation, invoicing tools, and POS functionality

• Integrations — Shopify, WooCommerce, Xero, and other third-party platforms are included

How HitPay Rates Compare to Traditional Payment Gateways

Competitor pricing is indicative and based on publicly available information as of April 2026. Fees are subject to change.

Tips for Managing Your HitPay Transaction Costs

• Encourage low-cost payment methods — where applicable, highlighting local bank transfer options like PayNow (Singapore) or FPX and DuitNow (Malaysia) can reduce per-transaction costs.

• Use HitPay's analytics dashboard — monitor which payment methods are used most frequently to identify where costs concentrate.

• Consolidate your tools — by using HitPay for online, in-person, and invoicing needs, you avoid paying for multiple separate platforms.

• Review rates periodically — HitPay updates its pricing page when changes occur. Setting a quarterly reminder to review your effective cost per transaction is a simple way to stay on top of your payment overhead.

Frequently Asked Questions

Q: What are HitPay's current transaction rates?

HitPay's transaction rates vary by country and payment method. There are no monthly fees. Visit the official HitPay pricing page for exact, up-to-date figures.

Q: Does HitPay charge a monthly fee in addition to its rates?

No. HitPay does not charge any monthly subscription fee on its standard plan. The pricing model is purely pay-as-you-go.

Q: Are HitPay rates the same for all payment methods?

No. HitPay rates differ by payment method. Card payments typically carry different rates compared to local bank transfers like PayNow or FPX, which tend to be lower. The full breakdown is available on the HitPay pricing page.

Q: Are there any hidden fees beyond the standard HitPay rates?

HitPay is designed to be transparent. There are no setup fees, no platform access fees, and no charges for using features like payment links, invoicing, or the POS system. Review the pricing page for full details.

Q: How do HitPay rates work for businesses in Malaysia and the Philippines?

HitPay rates for Malaysia and the Philippines are structured to reflect local payment networks and market conditions. All rates are published transparently on the HitPay website.

Q: Can I estimate my monthly costs using HitPay rates before signing up?

Yes. Because HitPay's pricing is publicly available and there are no hidden tiers, you can calculate your expected monthly processing cost by multiplying your projected transaction volume by the applicable rate for your preferred payment method.

See exact HitPay rates for your market →