Quick Answer: HitPay is the best payment gateway for Shopify in Singapore for SMBs that need PayNow, GrabPay, ShopeePay, Atome, and cards in a single integration — with no monthly fees, MAS licence PS20200643, and next business day SGD payouts. HitPay connects directly to Shopify and supports 50+ payment methods including cross-border wallets from China, India, Thailand, Indonesia, and South Korea.

Singapore's e-commerce market is growing fast. According to Statista Singapore e-commerce data, online retail revenue in Singapore continues to expand year-on-year, driven by mobile-first shoppers who expect to pay with PayNow QR, GrabPay, or ShopeePay at checkout — not just a credit card form.

For Shopify merchants, this creates a real problem. Shopify's default payment options are built for global card markets. To accept the local Singapore payment methods that convert, merchants need a third-party gateway integration. Choosing the wrong one means missed sales, slower payouts, or paying monthly fees for features that don't match Singapore's payment habits.

What payment methods does a Shopify store in Singapore actually need?

Singapore shoppers use a short list of payment methods for most online purchases:

• PayNow — instant bank transfer via QR or UEN; no card required

• GrabPay — widely adopted wallet with loyalty integration

• ShopeePay — essential for Shopee ecosystem shoppers

• Cards — Visa, Mastercard, Amex, UnionPay, Apple Pay, Google Pay

• BNPL — Atome, Shopee PayLater, and GrabPay PayLater for higher-ticket purchases

A Shopify store in Orchard Road or Bugis that only shows card fields at checkout is leaving PayNow and GrabPay users behind. These are not niche methods — they are mainstream.

For merchants attracting tourists or regional buyers, cross-border acceptance matters too. Singapore merchants can also accept WeChatPay (China), UPI (India), PromptPay and TrueMoney (Thailand), QRIS (Indonesia), DuitNow (Malaysia), QR Ph (Philippines), and KakaoPay/PayCo/LINE Pay (South Korea) — covering most of the international visitor base without any currency exchange at the point of sale.

For more context on how these alternatives compare to card payments, the guide on ecommerce payment solutions for Southeast Asia covers the regional landscape in detail.

How do Shopify payment gateway fees work in Singapore?

Shopify charges an additional transaction fee (on top of gateway fees) when merchants use a third-party gateway instead of Shopify Payments. Shopify Payments, however, does not support PayNow, GrabPay, ShopeePay, or local BNPL in Singapore — so using a third-party gateway is the only way to accept these methods.

The key cost variables to evaluate:

1. Transaction fee per payment — the percentage or flat fee charged by the gateway per transaction

2. Monthly platform fee — some gateways charge S$30–S$100/month regardless of volume

3. Shopify's own transaction fee — ranges from 0.5% to 2% depending on Shopify plan

4. Payout timing — gateways that settle weekly or bi-weekly create cash flow gaps for small businesses

For specific card transaction rates, see hitpayapp.com/pricing.

How does HitPay integrate with Shopify for Singapore merchants?

HitPay connects to Shopify as a third-party payment provider and adds all supported Singapore payment methods to the checkout flow. The setup process is:

1. Create a HitPay account at hitpayapp.com — approval takes 1–3 business days

2. Install the HitPay app from the Shopify App Store

3. Enter the HitPay API key in Shopify's payment provider settings

4. Select which payment methods to activate (PayNow, GrabPay, ShopeePay, BNPL, cards)

5. Activate cross-border wallets if needed — partner providers complete activation within 3–5 business days

6. Test the checkout in Shopify's sandbox environment

7. Go live

For a full walkthrough, the step-by-step guide on how to accept PayNow on your Shopify store covers every configuration step.

HitPay is licensed by the Monetary Authority of Singapore (MAS) under licence PS20200643 and is PCI DSS compliant. Domestic SGD transactions settle next business day. Cross-border payments (e.g. WeChatPay, QRIS) settle at T+2.

There are no monthly fees and no setup fees. Merchants pay per transaction only.

How does HitPay compare to other Shopify payment gateways in Singapore?

The table below compares the main options available to Singapore Shopify merchants.

HitPay — Best for: SMBs across Singapore that want zero monthly fees, 50+ payment methods including PayNow, GrabPay, ShopeePay, BNPL, and next business day SGD payouts — without the complexity of a bank integration.

Stripe — Best for: Developer-led teams that primarily process card payments and do not require ShopeePay, local BNPL, or a wide local e-wallet selection beyond GrabPay.

2C2P — Best for: Enterprises with custom contract requirements and high-volume card processing across multiple Southeast Asian markets.

Adyen — Best for: Large enterprise merchants with existing Adyen relationships processing significant global volume who need a single platform for multi-region card acceptance.

Airwallex — Best for: Businesses with significant FX and multi-currency treasury needs, with a free tier available and paid plans starting from $79/month for merchants who need additional features, and for whom local SGD e-wallets are secondary.

PayPal — Best for: Shopify merchants with a significant international customer base that already uses PayPal accounts, with no requirement for local SG payment methods.

For a broader comparison of top providers, the best payment gateway Singapore 2026 guide covers fees, features, and payout speeds side by side.

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