Introduction

PayNow has become Singapore's preferred payment method, with millions of transactions processed daily through QR codes and mobile banking apps. For WooCommerce store owners in Singapore, enabling PayNow payments can significantly boost conversion rates and provide customers with their preferred checkout experience. HitPay, regulated as a Major Payment Institution by the Monetary Authority of Singapore (MAS), offers a comprehensive WooCommerce plugin that makes PayNow integration straightforward and secure.

This step-by-step guide walks you through installing the HitPay WooCommerce plugin v4.2.0, configuring API keys, and enabling PayNow QR payments at checkout. We'll cover exact pricing, settlement timelines, and troubleshooting common issues so you can complete a live PayNow test payment in under 15 minutes. (HitPay Payment Gateway for WooCommerce Plugin)

Why Choose HitPay for PayNow Integration

HitPay stands out as Singapore's leading payment gateway for small and medium-sized businesses, offering more than just PayNow acceptance. The platform enables merchants to accept 700+ local payment methods across Asia-Pacific, making it the most comprehensive payment solution in the region. (WooCommerce - Product Guide)

Key Benefits for Singapore Merchants

• Regulatory Compliance: As a MAS-regulated Major Payment Institution, HitPay ensures all transactions meet Singapore's strict financial regulations

• Transparent Pricing: Pay-per-transaction model with no setup or monthly fees (HitPay Pricing)

• Next-Day Settlements: Fast payout schedules keep your cash flow healthy

• Multiple Payment Methods: Beyond PayNow, accept Cards, Apple Pay, Google Pay, GrabPay, and more (HitPay Payment Gateway for WooCommerce Plugin)

• Enterprise Security: PCI-DSS compliant with Stripe's fraud protection (Radar)

Prerequisites: Setting Up Your HitPay Account

Before integrating PayNow payments into your WooCommerce store, you need to establish a HitPay account and ensure PayNow is activated for your business. (WooCommerce - Product Guide)

Account Registration Steps

1. Visit HitPay Singapore: Navigate to hitpayapp.com/sg

2. Business Verification: Complete KYC requirements with business registration documents

3. Payment Method Activation: Ensure PayNow is enabled in your HitPay dashboard

4. WooCommerce Sales Channel: Activate the WooCommerce integration in your account settings

Required Documentation

• Singapore business registration (ACRA)

• Bank account details for settlements

• Director identification documents

• Business address verification

The verification process typically takes 1-2 business days for Singapore-registered businesses. (Connect PayNow Via HitPay)

Installing the HitPay WooCommerce Plugin

Method 1: WordPress Plugin Directory (Recommended)

The simplest installation method uses WordPress's built-in plugin search functionality.

1. Access WordPress Admin: Log into your WordPress dashboard

2. Navigate to Plugins: Go to Plugins > Add New

3. Search for HitPay: Type "HitPay" in the plugin search field

4. Install Plugin: Click "Install Now" on the HitPay Payment Gateway plugin

5. Activate Plugin: Click "Activate" once installation completes

(WooCommerce - Product Guide)

Method 2: Manual Upload from GitHub

For developers who prefer manual installation or need specific versions:

Plugin Compatibility

The HitPay plugin works seamlessly with:

• WooCommerce 3.0+

• WordPress 5.0+

• PHP 7.4+

• Popular WooCommerce POS plugins like wePOS and WooCommerce POS (WooCommerce POS Plugin - Product Guide)

Configuring API Keys and Settings

Retrieving Your API Credentials

1. Access HitPay Dashboard: Log into your HitPay account

2. Navigate to Settings: Go to Settings > Payment Gateway

3. Copy API Keys: Note down your:

   • API Key (Live)

   • Salt (Live)

   • API Key (Sandbox) - for testing

   • Salt (Sandbox) - for testing

WooCommerce Plugin Configuration

1. Access WooCommerce Settings: Navigate to WooCommerce > Settings > Payments

2. Enable HitPay: Toggle the HitPay Payment Gateway to "Enabled"

3. Configure Settings: Click "Manage" to access detailed configuration

Essential Configuration Fields

(WooCommerce - Product Guide)

Enabling PayNow Specifically

Within the HitPay plugin settings:

1. Payment Methods Section: Locate the payment methods configuration

2. Enable PayNow: Check the box for "PayNow QR"

3. Set Priority: Ensure PayNow appears first in the checkout list

4. Save Changes: Click "Save changes" to apply settings

Understanding HitPay's 2025 Pricing Structure

HitPay operates on a transparent pay-per-transaction model with no setup or monthly fees, making it ideal for businesses of all sizes. (HitPay Pricing)

Singapore Pricing Breakdown

Additional Fees to Consider

• Foreign Currency Transactions: Additional 2% fee applies (HitPay Pricing)

• Chargebacks: S$25 per disputed transaction

• Refunds: No additional fees for processing refunds

Settlement Schedule

HitPay provides next-day settlements for most payment methods, with funds typically arriving in your bank account by 2 PM SGT the following business day. This fast settlement schedule helps maintain healthy cash flow for growing businesses.

Testing PayNow Integration

Sandbox Environment Setup

Before going live, thoroughly test your PayNow integration using HitPay's sandbox environment.

1. Switch to Test Mode: In plugin settings, enable "Test Mode"

2. Use Sandbox Credentials: Replace live API keys with sandbox versions

3. Test Transaction Flow: Complete a full purchase using test PayNow QR codes

Test PayNow QR Codes

HitPay's sandbox provides test QR codes that simulate successful PayNow payments without actual money transfer. These codes help verify:

• QR code generation and display

• Payment confirmation webhooks

• Order status updates

• Email notifications

• Inventory management

Validation Checklist

• [ ] PayNow QR code displays correctly at checkout

• [ ] Test payment completes successfully

• [ ] Order status updates to "Processing"

• [ ] Customer receives confirmation email

• [ ] Webhook notifications arrive promptly

• [ ] Inventory levels adjust appropriately

(Getting Started - Product Guide)

Going Live: Production Deployment

Pre-Launch Checklist

1. Switch to Live Mode: Disable test mode in plugin settings

2. Update API Credentials: Replace sandbox keys with live production keys

3. Verify Webhook URLs: Ensure webhook endpoints are accessible

4. Test Small Transaction: Process a minimal live transaction to verify everything works

SSL Certificate Requirements

PayNow payments require SSL encryption for security compliance. Ensure your WooCommerce store has:

• Valid SSL certificate installed

• HTTPS enabled site-wide

• Mixed content warnings resolved

• Secure webhook endpoints

Payment Flow Optimization

To maximize PayNow conversion rates:

1. Clear Instructions: Add helpful text explaining PayNow QR scanning

2. Mobile Optimization: Ensure QR codes display properly on mobile devices

3. Timeout Handling: Set appropriate payment timeouts (typically 10 minutes)

4. Error Messages: Provide clear guidance when payments fail

Advanced Features and Customization

Multi-Currency Support

HitPay supports multiple currencies with automatic conversion, though additional foreign exchange fees apply for non-SGD transactions. (HitPay Pricing)

Webhook Configuration

Webhooks ensure real-time payment confirmations and order updates. The HitPay plugin automatically configures webhook endpoints, but you can customize behavior through WordPress hooks:

Integration with Other Plugins

The HitPay WooCommerce plugin integrates well with popular extensions:

• WooCommerce Subscriptions: Recurring PayNow payments

• WooCommerce Bookings: Service-based PayNow transactions

• WooCommerce Memberships: Membership fee collection

• Various POS Plugins: Unified online and offline payments (WooCommerce POS Plugin - Product Guide)

Troubleshooting Common Issues

PayNow QR Code Not Displaying

Symptoms: Customers see payment option but no QR code appears

Solutions:

1. Verify API keys are correctly entered

2. Check PayNow is enabled in HitPay dashboard

3. Ensure SSL certificate is valid

4. Clear WordPress and browser caches

Payment Confirmations Delayed

Symptoms: Orders remain "Pending" after successful PayNow payment

Solutions:

1. Verify webhook URL is accessible

2. Check firewall settings aren't blocking HitPay servers

3. Review webhook logs in HitPay dashboard

4. Ensure WordPress cron jobs are functioning

Plugin Conflicts

Symptoms: Payment gateway doesn't appear or causes checkout errors

Solutions:

1. Deactivate other payment plugins temporarily

2. Switch to default WordPress theme for testing

3. Check PHP error logs for conflicts

4. Update WooCommerce and WordPress to latest versions

API Connection Errors

Symptoms: "Connection failed" or timeout errors

Solutions:

1. Verify server can make outbound HTTPS requests

2. Check PHP cURL extension is installed

3. Whitelist HitPay API endpoints in firewall

4. Contact hosting provider about API restrictions

(Platform APIs - Product Guide)

Security Best Practices

API Key Management

• Store API keys securely using WordPress constants

• Never commit credentials to version control

• Rotate keys periodically for enhanced security

• Use different keys for staging and production

Webhook Security

HitPay signs all webhook requests to prevent tampering:

// Verify webhook signature
$signature = $_SERVER['HTTP_X_HITPAY_SIGNATURE']

PCI Compliance

HitPay handles all sensitive payment data, reducing your PCI compliance scope. However, maintain security by:

• Keeping WordPress and plugins updated

• Using strong admin passwords

• Implementing two-factor authentication

• Regular security audits

Performance Optimization

Caching Considerations

Payment pages should exclude certain elements from caching:

Database Optimization

Regular maintenance improves payment processing speed:

• Clean up old order data periodically

• Optimize database tables monthly

• Monitor slow query logs

• Use object caching for high-traffic sites

CDN Configuration

Ensure CDN settings don't interfere with payment processing:

• Exclude checkout pages from CDN

• Allow dynamic content on payment forms

• Preserve original IP addresses for fraud detection

Monitoring and Analytics

Payment Success Rates

Track key metrics to optimize your PayNow implementation:

• Conversion rates by payment method

• Average transaction values

• Failed payment reasons

• Customer payment preferences

HitPay Dashboard Analytics

The HitPay dashboard provides comprehensive reporting:

• Real-time transaction monitoring

• Settlement tracking

• Refund management

• Dispute resolution tools

Integration with Google Analytics

Track PayNow payments in Google Analytics:

(Payout APIs - Product Guide)

Advanced Integration Options

Custom Payment Flows

For unique business requirements, HitPay offers flexible API integration options beyond the standard plugin. (Getting Started - Product Guide)

Platform APIs for Marketplaces

If you're building a marketplace or multi-vendor platform, HitPay's Platform APIs enable:

• Payment processing on behalf of merchants

• Commission splitting

• Automated payouts to vendors

• Centralized reporting across all merchants

(Platform APIs - Product Guide)

Subscription and Recurring Payments

While PayNow doesn't support direct recurring payments, HitPay provides alternative solutions:

• Payment link generation for recurring invoices

• Card tokenization for subscription billing

• Automated payment reminders

• Flexible billing cycles

Compliance and Regulatory Considerations

MAS Regulations

As a MAS-regulated payment institution, HitPay ensures compliance with Singapore's payment services regulations, including:

• Anti-money laundering (AML) requirements

• Know Your Customer (KYC) procedures

• Transaction monitoring and reporting

• Data protection standards

PDPA Compliance

Ensure your PayNow implementation complies with Singapore's Personal Data Protection Act:

• Collect only necessary customer data

• Implement proper data retention policies

• Provide clear privacy notices

• Enable customer data access and deletion requests

Future-Proofing Your Payment Setup

Emerging Payment Methods

HitPay continuously adds new payment methods to its platform. Stay updated on:

• New digital wallet integrations

• Buy-now-pay-later options

• Cryptocurrency payment support

• Cross-border payment solutions

API Evolution

HitPay regularly updates its APIs with new features and improvements. Monitor:

• API version updates

• New webhook events

• Enhanced security features

• Performance optimizations

Plugin Updates

Keep your HitPay WooCommerce plugin updated to access:

• New payment method support

• Security patches

• Performance improvements

• Enhanced admin features

(How to Auto Generate Reward Vouchers for Payment by PayNow)

Conclusion

Enabling PayNow payments on your WooCommerce store with HitPay provides Singapore customers with their preferred payment method while ensuring secure, compliant transaction processing. The straightforward setup process, transparent pricing, and next-day settlements make HitPay an excellent choice for businesses of all sizes.

By following this comprehensive guide, you can have PayNow payments operational in under 15 minutes, complete with proper testing and security measures. The combination of HitPay's regulatory compliance, extensive payment method support, and developer-friendly integration options positions your business for growth in Singapore's digital economy.

Remember to monitor your payment performance regularly, keep your plugin updated, and leverage HitPay's additional features like invoicing and payment links to maximize your payment acceptance capabilities. (WooCommerce - Product Guide)

With PayNow now enabled on your WooCommerce store, you're ready to provide customers with the seamless, secure payment experience they expect while benefiting from HitPay's comprehensive payment platform designed specifically for Asia-Pacific businesses.

FAQ

What payment methods does HitPay support besides PayNow?

HitPay supports a comprehensive range of payment methods including PayNow QR, credit cards (Visa, Mastercard, American Express), Apple Pay, Google Pay, WeChatPay, AliPay, and GrabPay. This makes it an ideal omnichannel payment solution for Singapore businesses looking to offer multiple payment options to their customers.

How much does HitPay charge for PayNow transactions?

HitPay operates on a pay-per-transaction model with no setup or monthly fees. The exact pricing varies by payment method and transaction volume, but HitPay charges an additional 2% fee on foreign currency transactions. For specific PayNow transaction rates, merchants should check the current pricing on HitPay's website.

Do I need a HitPay account before installing the WooCommerce plugin?

Yes, you must create a HitPay account and ensure that PayNow and other necessary payment methods are activated and enabled in your WooCommerce sales channel before integrating the plugin. The HitPay account provides the API credentials needed to configure the WooCommerce plugin properly.

Can I install the HitPay plugin directly from WordPress?

Yes, the HitPay WooCommerce plugin can be installed directly from the WordPress admin dashboard by searching for 'HitPay' in the plugin search field. Alternatively, you can manually upload the plugin from GitHub Releases if you prefer to install it manually.

Does HitPay provide instant feedback for PayNow payments?

Yes, HitPay's PayNow integration allows for full automation of PayNow acceptance in Singapore with instant feedback and webhooks. This means merchants receive immediate notification when a PayNow payment is completed, enabling real-time order processing and customer confirmation.

Is HitPay regulated in Singapore?

Yes, HitPay is regulated as a Major Payment Institution by the Monetary Authority of Singapore (MAS). This regulatory status ensures that HitPay meets strict security and compliance standards, providing merchants and customers with confidence in the payment processing service.

Citations

1. https://docs.hitpayapp.com/apis/guide/payouts

2. https://docs.hitpayapp.com/apis/guide/platform-apis

3. https://docs.hitpayapp.com/apis/overview

4. https://docs.hitpayapp.com/plugins/pos/woocommerce

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

6. https://hitpayapp.com/pricing

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

8. https://wordpress.com/plugins/hitpay-payment-gateway

9. https://www.runaway.com.sg/en/2023/01/10/how-to-auto-generate-reward-vouchers-for-payment-by-paynow/