If you're searching for a payment gateway in Singapore, the stakes are high. The wrong choice means hidden fees, poor local payment support, and integrations built for another market. The right choice means seamless checkout, lower costs, and payment methods your customers actually use.

This guide covers everything you need to know: what a payment gateway is, how the top Singapore options compare, and why thousands of local businesses use HitPay as their all-in-one payments platform.

What Is a Payment Gateway? (Singapore Definition)

A payment gateway is the technology that authorises and processes payments between your customer and your business --- whether online, in-store, or via invoice. In Singapore, this includes card payments (Visa, Mastercard, Amex), mobile wallets (GrabPay, Apple Pay), and instant bank transfers like PayNow.

Not all payment gateways support Singapore's local payment ecosystem equally. Choosing the wrong one can mean missing out on PayNow --- the most widely used payment method in Singapore --- or paying monthly platform fees that eat into your margins before you've processed a single transaction.

Best Payment Gateways in Singapore: Top Options Compared

The three most widely discussed payment gateway options for Singapore businesses are HitPay, Stripe, and Airwallex. Here's how they compare:

Singapore Payment Gateway Comparison Table

Fee structures and supported payment methods are subject to change. Always verify current details on each provider's official website.

Why HitPay Is the Best Payment Gateway for Singapore Businesses

1. All-in-One: Online, POS, and Invoicing in a Single Platform

Most Singapore businesses outgrow their payment tools. You start with an online store, then open a pop-up market stall, then start sending invoices to corporate clients. With Stripe, that means separate products, separate dashboards, and separate billing. With Airwallex, in-person POS simply isn't on the table.

HitPay is designed as a complete Singapore payment gateway from day one. Our partners manage their entire business from one dashboard:

• Online payments via payment links, checkout pages, and e-commerce integrations

• Point-of-sale (POS) for retail counters, hawker stalls, pop-up markets, and F&B outlets

• Invoicing for B2B billing, freelancers, and service businesses

• Recurring billing for subscription-based models

No switching between tools. No reconciliation headaches. One platform, one dashboard, one team to call when you need help.

2. Pay-Per-Transaction Pricing --- Zero Monthly Fees

For Singapore SMEs and startups, cash flow is everything. Paying $50--$200/month in platform fees before you've processed a single dollar is a real burden --- especially in early growth stages.

HitPay operates on a pay-per-transaction model with no monthly fees. You pay only when you earn. This means:

• Lower overhead for early-stage businesses

• No sunk cost pressure during slow months

• Transparent, predictable costs as you scale

Compare this to Stripe's expanding suite of paid add-ons (including a usage-based fee on its paid invoicing plan) or Airwallex's tiered feature gating, and the difference becomes clear for businesses where every dollar counts.

3. Local Singapore Payment Methods Your Customers Actually Use

This is where HitPay's Singapore-native foundation matters most. As a Singapore-built payment gateway, our platform supports the full ecosystem of local and regional payment methods out of the box:

• PayNow --- Singapore's most-used instant transfer system

• GrabPay --- essential for retail and F&B partners

• NETS --- critical for traditional retail environments

• Visa / Mastercard / Amex --- full card support

• Apple Pay & Google Pay --- for mobile-first shoppers

• Buy Now Pay Later --- Atome and ShopBack PayLater integrations available

For HitPay partners expanding beyond Singapore, regional methods are also supported --- including GCash and Maya in the Philippines, making HitPay a natural fit for multi-market growth.

While larger global platforms have added some local payment methods over time, HitPay's all-in-one platform --- combining local payment coverage with built-in POS, invoicing, and no monthly fees --- remains distinctly designed for how Singapore businesses operate day to day.

4. Easy Integration: No-Code for Small Businesses, Full API for Developers

Not every Singapore business has a developer on call. HitPay's payment gateway is built for both worlds:

No-code setup:

• Create a payment link in under two minutes

• Embed a checkout button on any website

• Accept payments via WhatsApp, Instagram, or email --- no website required

• HitPay POS app works on iOS or Android devices

Developer-ready API:

• Full REST API with comprehensive documentation

• Native plugins for Shopify, WooCommerce, Magento, Wix, and more

• Webhook support for custom workflows and automation

• Sandbox environment for pre-launch testing

Whether you're a solo founder selling products on Instagram or a growing retail chain building a custom checkout experience, HitPay has an integration path that fits.

5. Built in Singapore, Supported in Singapore

HitPay is headquartered in Singapore. Our team understands local compliance requirements, MAS regulations, and the realities of running a business here. When our partners need support, they're speaking to people who understand the Singapore context --- not navigating a global help centre queue.

What Singapore Business Owners Are Saying About HitPay

"HitPay made it incredibly easy for us to accept PayNow and card payments from one dashboard. We went live within a day --- no developer needed." --- F&B Partner, Singapore

"We compared Stripe and HitPay side by side. For our use case, HitPay's local payment support and zero monthly fees made it the obvious choice." --- Retail Partner, Singapore

"The POS and online payments being on the same platform saves us hours every week on reconciliation." --- E-commerce Partner, Singapore

Who Should Use HitPay as Their Singapore Payment Gateway?

HitPay is the right payment gateway for Singapore businesses that:

• Want to accept PayNow, GrabPay, and cards without stitching together multiple tools

• Are cost-conscious and want to avoid monthly platform fees

• Need a POS solution alongside their online store

• Are expanding across Singapore, Malaysia, or the Philippines

• Want to get started quickly without a developer

Frequently Asked Questions: Payment Gateway Singapore

What is the best payment gateway in Singapore?
For most Singapore small and medium businesses, HitPay is the best payment gateway. It supports PayNow, GrabPay, NETS, and cards, has no monthly fees, and includes built-in POS and invoicing --- all from one platform.

Does Singapore's best payment gateway support PayNow?
Yes. HitPay natively supports PayNow alongside all major card networks and wallets. PayNow is one of the most widely used payment methods in Singapore, and HitPay was built with it as a core feature.

How much does a payment gateway cost in Singapore?
HitPay charges no monthly fees --- you pay only per transaction. Other providers like Stripe charge transaction fees with optional paid add-ons; always check the latest pricing directly on each provider's website.

Can I use a payment gateway in Singapore without a website?
Yes. HitPay allows you to accept payments via payment links sent over WhatsApp, email, or Instagram --- no website required.

Which payment gateway in Singapore supports GrabPay?
HitPay natively supports GrabPay alongside PayNow, NETS, Visa, Mastercard, Apple Pay, Google Pay, and Buy Now Pay Later options like Atome and ShopBack PayLater.

Is HitPay a MAS-regulated payment gateway?
HitPay operates under Singapore's regulatory framework. For the latest compliance and licensing information, visit hitpayapp.com.

What is the difference between a payment gateway and a payment processor in Singapore?
A payment gateway is the technology that securely captures and transmits payment data (e.g., at checkout). A payment processor handles the actual transfer of funds between banks. Many modern solutions like HitPay combine both functions in a single platform.

Get Started with HitPay --- Singapore's All-in-One Payment Gateway

If you're looking for a payment gateway in Singapore that's built for how Singapore businesses actually operate, HitPay is the clear choice. No monthly fees, full local payment method support, and an all-in-one platform that grows with you --- online, in-store, and beyond.

Ready to get started?

Create your free HitPay account today →

No monthly fees. No complex setup. Just payments that work --- the Singapore way.