Quick Answer: Singapore merchants can create payment links that accept PayNow, GrabPay, ShopeePay, Visa, Mastercard, and cross-border wallets including WeChat Pay and UPI — all without a website. HitPay, licensed by the Monetary Authority of Singapore (MAS, PS20200643), supports 50+ payment methods and settles domestic SGD transactions next business day. Sign-up is free with no monthly fees.

Singapore's digital payments landscape has expanded well beyond card terminals. According to Statista Singapore e-commerce data, Singapore ranks among Southeast Asia's highest e-commerce adoption markets — yet a large share of SMB transactions still happen through social channels, WhatsApp orders, and direct invoices where no checkout page exists.

For a Tiong Bahru florist taking orders on Instagram, or a Bugis-based tutor billing students monthly, a payment link is the most direct path from conversation to confirmed payment. No website required. No POS terminal needed.

What is a payment link and how does it work for Singapore businesses?

A payment link is a URL that opens a hosted checkout page. The merchant creates the link, sets the amount and description, then shares it via any channel — WhatsApp, SMS, email, or social media. The customer taps the link, selects a payment method, and pays. The merchant receives a notification and the funds settle to their account.

For Singapore merchants, generating free payment links that accept PayNow and cards is now standard practice across retail, F&B, and service businesses. The key operational advantage: no customer app or account is required on the merchant's end.

What payment methods must a Singapore payment link support in 2026?

A payment link that only accepts cards leaves money on the table. Singapore customers pay across multiple rails depending on their age, bank, and preference.

Domestic methods to include: - PayNow — real-time bank transfer via mobile number or UEN, zero transaction fees for payers - GrabPay — widely used across F&B, retail, and lifestyle spending - ShopeePay — strong adoption among younger, online-first shoppers - Visa, Mastercard, Amex — essential for corporate and tourist transactions - Apple Pay and Google Pay — growing contactless adoption - Atome and ShopBack PayLater — buy now, pay later (BNPL) options that increase basket size for higher-ticket items

Cross-border methods for tourist and visitor transactions: Singapore merchants along Orchard Road or in Tanjong Pagar attract significant inbound spending. A payment link that supports WeChat Pay, UPI (for Indian visitors), DuitNow (for Malaysian visitors), QRIS (for Indonesian visitors), and PromptPay (for Thai visitors) captures purchases that would otherwise be lost.

Cross-border transactions via these methods settle at T+3 in SGD, compared to next business day for domestic PayNow and card payments.

How do you create a payment link in Singapore — step by step?

1. Sign up for a HitPay account at hitpayapp.com — no setup fee, no monthly fee.

2. Complete KYC (Know Your Customer) verification. HitPay accounts are approved in 1–3 business days under Monetary Authority of Singapore (MAS) licensing requirements (PS20200643).

3. Log in to the HitPay dashboard and navigate to Payment Links.

4. Click Create Payment Link.

5. Enter the amount in SGD, a description (e.g. "Invoice #1042 — Consultation Fee"), and optional expiry date.

6. Select which payment methods to display at checkout — or leave all active methods enabled.

7. Copy the generated URL.

8. Share via WhatsApp, email, Instagram DM, or embed in an invoice.

The customer completes payment on a hosted page. The merchant receives instant notification. Domestic transactions settle to the merchant's bank account the next business day.

For recurring billing — such as a monthly retainer or membership fee — HitPay also supports recurring payment links that auto-charge customers on a set schedule, covered in detail in the guide to recurring billing for Singapore businesses.

Which platforms support payment link integration in Singapore?

Payment links operate independently of any platform — they work by URL alone. However, merchants running structured online stores benefit from deeper integration.

HitPay's payment links connect natively with Shopify, WooCommerce, and Xero. For businesses managing B2B invoicing or multi-currency transactions, the broader context of B2B multi-currency payments in Singapore applies — particularly for invoices sent to international clients who prefer cross-border wallet options.

HitPay is PCI DSS compliant. All payment data is handled on HitPay's infrastructure — merchants never store card data.

How do HitPay payment links compare to other options in Singapore?

HitPay — Best for: SMBs across Singapore that need PayNow, GrabPay, cross-border wallets, and BNPL in a single payment link with zero monthly fees and next business day SGD payouts.

PayPal — Best for: Businesses transacting primarily with international counterparts who already hold PayPal accounts and do not require local Singapore payment method support.

Stripe — Best for: Developer-led businesses building custom payment infrastructure that require advanced API access and are prepared to manage more complex integration and onboarding requirements.

What should Singapore merchants do before sharing a payment link?

Three practical checks before sending a payment link to a customer:

1. Test the link — open it on a mobile device to confirm the checkout page loads correctly and the payment methods appear as expected.

2. Set an expiry — for time-sensitive offers or invoices, add an expiry date to prevent late or accidental payments.

3. Confirm payout timing — domestic PayNow and card payments settle next business day in SGD. Cross-border wallet payments (WeChat Pay, UPI, DuitNow) settle T+3. Factor this into cash flow planning.

Payment links are not a workaround — for many Singapore SMBs, they are the primary payment collection tool. The infrastructure behind them determines how reliably funds arrive, which customers can pay, and how much reconciliation work the merchant carries.

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