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Discover how businesses are growing with HitPay, through real stories, results, and experiences from our merchants.

Ecommerce

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Retail

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Health, Beauty & Spa

Educational Services

Non-Profit & Donations

Travel & Tour Operators

See How Merchants Use HitPay

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Developer Resources

Explore our comprehensive developer resources designed to enhance your experience. From detailed API documentation to interactive tutorials.

Docs

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HitPay MCP

Sandbox signs you into a separate test environment

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Products → Online Payments

Payment gateway for Singapore businesses

Accept PayNow, credit cards, e-wallets, and major foreign currencies on a single MAS-licensed platform with zero recurring fees.

Get started for free

Contact Sales

No setup fee · No monthly fee

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Plain, solid light gray square background.

Scan this QR code to complete payment

QUICK ANSWER

HitPay cards: 2.8% + S$0.50 vs Stripe 3.4% + S$0.50 and Airwallex 3.30% + S$0.50. HitPay PayNow: 0.65% + S$0.30 from S$100. No monthly fee. Checked Oct 2026.

Payment methods

Accept payments the way your customers prefer

From cards and e-wallets to mobile wallets, BNPL, and QR codes, our payment gateway lets you offer the payment methods your customers trust. All with one connection.

See full list of payment methods

01. Cross-border payments

Expand to new markets easily

Sell cross-border effortlessly with low transaction fees and competitive exchange rates. Enhance your global reach by offering your customers’ preferred payment methods to boost conversions internationally.

Supported countries

Indonesia

Philippines

vietnam

China

thailand

INDIA

Malaysia

02. Checkout experience

Take payments your way

Access a wide range of popular payment methods with no coding required. Accept payments online, in-person or on the go.

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers’ data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Scan this QR code to complete payment

Aqua

Night

Sunrise

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers’ data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Scan this QR code to complete payment

Aqua

Night

Sunrise

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers’ data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

You are paying

USD 200.00

Sparkling Diamond Ring

Anita Lin

[email protected]

Scan this QR code to complete payment

Aqua

Night

Sunrise

Personalized checkout

Make HitPay’s checkout truly yours. Customize payment methods, checkout rules, and design elements effortlessly to match your brand.

Mobile-first experience

Don’t let mobile slow you down. HitPay’s optimized checkout ensures a seamless experience on any device, driving higher conversion rates for your business.

Secure and compliant

Leave the security to us. With PCI DSS compliance and advanced encryption, your customers' data is protected, so you can focus on growing your business.

Insights on demand

Get the data you need without the complexity. Our all-in-one platform provides real-time reporting and analytics, giving you real-time insights into your transactions.

No-code products

HitPay’s suite of no-code products gives you the flexibility to accept payments the way you prefer.

Collect payments in-person, integrate HitPay with your existing store, or use our suite of tools that allow you to collect payments the way that works best for you and your customers.

Online Checkout

Give your customers a checkout that just works — on any device, with whatever payment method they prefer. No developer needed. Fast and reliable payouts.

Online Checkout

Give your customers a checkout that just works — on any device, with whatever payment method they prefer. No developer needed. Fast and reliable payouts.

Point of Sale & Card Terminals

Take payments anywhere — at your stall, counter, pop-up, or market. Show a QR code, tap a card, or connect a terminal for S$85. No monthly rental, no bulky hardware.

Point of Sale & Card Terminals

Take payments anywhere — at your stall, counter, pop-up, or market. Show a QR code, tap a card, or connect a terminal for S$85. No monthly rental, no bulky hardware.

Payment Links & Invoicing

No website? No problem. Share a payment link on WhatsApp or Instagram and get paid in seconds. Send professional invoices for B2B work - automatically synced to Xero or your preferred invoicing platform (QuickBooks, Zoho, Netsuite)

Payment Links & Invoicing

Plugin Integrations

Already on Shopify, WooCommerce, or Wix? Add HitPay in under 10 minutes and instantly unlock PayNow, GrabPay, and every other local payment your customers prefer.

Plugin Integrations

Already on Shopify, WooCommerce, or Wix? Add HitPay in under 10 minutes and instantly unlock PayNow, GrabPay, and every other local payment your customers prefer.

$10

Recurring Billing

Stop chasing monthly payments. Set up once and collect automatically — memberships, retainers, subscriptions.

$10

Recurring Billing

Stop chasing monthly payments. Set up once and collect automatically — memberships, retainers, subscriptions.

Developer API

One REST API to accept every payment method — cards, QR, e-wallets, and cross-border.

Developer API

One REST API to accept every payment method — cards, QR, e-wallets, and cross-border.

Developer API

One REST API to accept every payment method — cards, QR, e-wallets, and cross-border.

For Developers

Easily integrate with our payments and payouts APIs

Access APIs that seamlessly integrate across platforms, enabling seamless payouts across a wide range of markets with just one easy integration.

One API, every method

Cards, e-wallets, QR codes, bank transfers - a single integration handles them all.

Multi-country ready

Go live in Singapore, Malaysia, the Philippines, and more - no extra code required.

QR payments + full sandbox

Best-in-class QR code payments with a complete sandbox environment to test safely before going live.

AI-ready with MCP server

Use the HitPay MCP server to scaffold your integration with AI tools in under a day.

Read the Docs

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

Node.js

Ruby

Python

PHP

Java

NET

const hitpay = require("hitpay")("hp_test_BQokikJOvBiI2HlWgH4olfQ2");

// Create a payment intent to start a purchase flow
let paymentIntent = await hitpay.paymentIntents.create({
    amount: 2000,
    currency: "usd",
    description: "My first payment",
});

// Complete the payment using a test card.
await hitpay.paymentIntents.confirm(paymentIntent.id, {
    payment_method: "pm_card_visa"
});

PAYMENT OPTIONS

Boost sales with global and local payment options

Expand your reach and increase conversions. Offer customers their preferred payment methods, from international standards to local favorites.

Singapore

Malaysia

Philippines

Global

Visa

Mastercard

American Express

UnionPay

Apple Pay

Google Pay

PayNow

GrabPay

PayLater by Grab

ShopeePay

SPayLater

ShopBack

Atome

WeChat Pay

Singapore

Malaysia

Philippines

Global

Visa

Mastercard

American Express

UnionPay

Apple Pay

Google Pay

PayNow

GrabPay

PayLater by Grab

ShopeePay

SPayLater

ShopBack

Atome

WeChat Pay

Singapore

Malaysia

Philippines

Global

Airwallex

Atome

PayNow

GrabPay

Alipay

QRPH

Shopback

ShopeePay

Visa

Mastercard

American Express

Maestro

JCB

Union Pay

Apple Pay

Google Pay

WeChat Pay

PRICING

Payment gateway pricing: PayNow and cards

No monthly fee and no setup fee. You pay per transaction, and the rate depends on the method and the ticket size.

0.65%

+ S$0.30 per PayNow online payment from S$100. Below S$100: 0.9%, minimum S$0.20.

01. PayNow online

0.4%

PayNow in person, minimum S$0.10

02. PayNow in person

2.8%

Cards, plus S$0.50 per transaction

03. Cards

PayNow payments are processed in real time through FAST. Funds appear in your HitPay account immediately and follow HitPay’s standard Singapore settlement schedule.

HitPay payment gateway fees in Singapore
HitPay in Singapore	Rate
PayNow, online from S$100	0.65% + S$0.30
PayNow, online below S$100	0.9% · minimum S$0.20
PayNow, in person	0.4% · minimum S$0.10
Cards	2.8% + S$0.50
Monthly and setup fees	None

See full Singapore pricing

Create your free HitPay account

Transparent pricing

We offer competitive pricing in the market

No rental, subscription, or hidden fees. HitPay charges only when you make a sale.

PayNow

Instant bank transfer · Singapore only

0.65%

+ S$0.30

Instant settlement notification

Static & dynamic QR codes

T+1 calendar day payout

PayNow

Instant bank transfer · Singapore only

0.65%

+ S$0.30

Instant settlement notification

Static & dynamic QR codes

T+1 calendar day payout

Cards

Visa, Mastercard · Global

2.8%

+ S$0.50

Popular schemes like Visa/Master Card

3DS2 fraud protection

Cards

Visa, Mastercard · Global

2.8%

+ S$0.50

Popular schemes like Visa/Master Card

3DS2 fraud protection

Card Terminal

Browse terminals

Physical POS device · In-store

S$85 - S$350

One-time

Tap, chip & swipe

No monthly rental

Works with HitPay POS app

Zero monthly fees. Always.

No setup fee · No subscription · No hidden charges · No cancellation fee

View full pricing

Zero monthly fees. Always.

No setup fee · No subscription · No hidden charges · No cancellation fee

View full pricing

TRUST

HitPay is MAS licensed

HitPay Payment Solutions Pte Ltd is licensed by the Monetary Authority of Singapore. You can check HitPay on the MAS Financial Institutions Directory before you sign up.

HitPay is MAS licensed. See how to check.

HitPay Payment Solutions Pte Ltd

MAS licensed

PCI DSS Level 1

HitPay licences and registrations

COMPARISON

HitPay, Stripe, or Airwallex — which fits

All three are payment gateways for Singapore businesses. Which one fits depends on how you already collect.

HitPay — you are here: MAS licensed. No monthly fee, PayNow from 0.4% in person and 0.65% + S$0.30 online, cards at 2.8% + S$0.50, on one account.

How to accept PayNow

Create your free HitPay account

Stripe

Worth comparing if you already run Stripe or a global card stack. Check Stripe’s own PayNow path and platform fees on Stripe’s site.

Airwallex

Worth comparing if you need multi-market or FX-led tools. Check Airwallex’s PayNow coverage and monthly model on Airwallex’s site.

COMPARISON

HitPay vs Stripe vs Airwallex: payment gateway fees in Singapore (checked Oct 2026)

Published standard rates, checked Oct 2026. Fees change. Check each provider's pricing page.

HitPay vs Stripe vs Airwallex: payment gateway fees in Singapore, checked Oct 2026
	HitPay	Stripe	Airwallex
Domestic cards (online)	2.8% + S$0.50	3.4% + S$0.50	3.30% + S$0.50
International cards	3.65% + S$0.50	+0.5% on top of the domestic rate	3.60% + S$0.50
Currency conversion	+2% on foreign-currency transactions	+2% if conversion is required	Not compared here
PayNow	0.9% (min S$0.20) below S$100; 0.65% + S$0.30 from S$100	1.3%	S$0.50 + payment method fee (rate not listed on pricing page)
Monthly fee	None	None	Explore plan free; paid plans from S$79/month
Licence	MAS licensed	—	—
Source	hitpayapp.com/sg/pricing	stripe.com/en-sg/pricing	airwallex.com/sg/pricing

If most of your customers pay by PayNow or local cards and you want no monthly fee, HitPay's published rates are lower than Stripe's and Airwallex's on domestic cards (2.8% + S$0.50, against 3.4% + S$0.50 and 3.30% + S$0.50). HitPay is MAS licensed. If you already run a global Stripe stack, or need Airwallex's multi-currency accounts, compare their full pricing pages.

Full comparisons: HitPay vs Stripe · HitPay vs Airwallex

Frequently asked questions

Frequently Asked Questions

What is the best payment gateway in Singapore?

HitPay is a MAS-licensed payment gateway in Singapore with no monthly fee. PayNow is 0.65% + S$0.30 and cards are 2.8% + S$0.50. Best depends on fit: HitPay if you want a local, MAS licensed gateway with PayNow and cards and no monthly fee; Stripe or Airwallex if their model matches how you already collect.

Is HitPay a licensed payment gateway in Singapore?

Yes. HitPay is MAS licensed.

Does HitPay charge a monthly fee?

No. HitPay has no monthly fee. Pricing is per transaction.

How much does a payment gateway cost in Singapore on HitPay?

On HitPay, PayNow is 0.65% + S$0.30 per transaction and cards are 2.8% + S$0.50 per transaction. There is no monthly fee. See the HitPay pricing page for the live table.

Can I accept PayNow and cards on one payment gateway?

Yes. HitPay is a payment gateway for Singapore businesses that need PayNow and cards on one account. The PayNow how-to lives on the HitPay PayNow page.

How does HitPay compare with Stripe for Singapore SMEs?

On published Singapore rates (checked Oct 2026), HitPay domestic cards are 2.8% + S$0.50 vs Stripe's 3.4% + S$0.50, and HitPay PayNow is 0.65% + S$0.30 from S$100 vs Stripe's 1.3%. Neither charges a monthly fee.

How does HitPay compare with Airwallex?

On published Singapore rates (checked Oct 2026), HitPay domestic cards are 2.8% + S$0.50 vs Airwallex's 3.30% + S$0.50. HitPay has no monthly fee; Airwallex's Explore plan is free, with paid plans from S$79/month.

Which markets does HitPay serve?

Singapore, Malaysia, the Philippines, Australia, and Hong Kong.

Where should I go to accept PayNow?

Use HitPay's PayNow page. That page is the how-to, with fees, steps and the MAS licence. This page is the payment gateway overview.

Can I collect invoice and B2B bank transfers as well as checkout?

Yes. A HitPay Collection Account receives SGD via FAST/PayNow into the same HitPay Wallet as your payment gateway — not a second multi-currency bank account you hold or send from. There is no setup fee and no monthly fee; SGD collections are S$0.50 per receipt. Open Collection Account (Singapore) →

Do I need a website to use a payment gateway?

No. You can send payment links over WhatsApp, Instagram or email.

Which payment gateway supports PayNow?

HitPay accepts PayNow online at checkout and through payment links. See PayNow on HitPay.

Does HitPay work with Shopify and WooCommerce?

Yes, through the HitPay apps and plugins. See HitPay for Shopify and HitPay for WooCommerce.

Still have questions?

Get in touch

Get in touch with our sales team for more information.

Help and Support

Find answers to your questions and get support for our services.

Help Center

Ready for a payment gateway that scales?

Accept local and global payment methods online with secure processing built for growing businesses.

Get started with HitPay

Schedule a call

Ready for a payment gateway that scales?

Accept local and global payment methods online with secure processing built for growing businesses.

Get started with HitPay

Schedule a call

Ready for a payment gateway that scales?

Accept local and global payment methods online with secure processing built for growing businesses.

Get started with HitPay

Schedule a call

Ready for a payment gateway that scales?

Accept local and global payment methods online with secure processing built for growing businesses.

Get started with HitPay

Schedule a call