Running a business in Southeast Asia means navigating a fragmented payments landscape — multiple payment methods, varying customer preferences, and technical setup requirements that most small businesses simply do not have the resources to handle. HitPay was built specifically to solve that problem.

This guide covers everything you need to know about what HitPay is, how it works, who it is designed for, and why over 20,000 SMEs across the region rely on it to process payments every day.

What Is HitPay? Defining the Platform

HitPay is an all-in-one payment solution that combines a payment gateway, a point-of-sale system, and a suite of business tools into a single platform. It is headquartered in Singapore and serves SMEs across Southeast Asia, with particularly strong adoption in Singapore, Malaysia, and the Philippines.

Unlike enterprise-grade payment systems that require developer resources and long onboarding processes, HitPay is built for business owners who want to start accepting payments quickly and manage everything from one dashboard — without writing a single line of code. For a comparison of how HitPay stacks up against other providers, see our Singapore payment gateway comparison guide.

How Does HitPay Work?

HitPay connects businesses to a wide range of payment methods through a single integration. Once a merchant partner signs up and completes verification, they can immediately begin using HitPay's tools to collect payments across multiple channels.

Here is how the core workflow looks:

1. Create an account — Sign up online and complete the KYC (Know Your Customer) verification process.

2. Choose your payment channels — Select from online payment links, a full e-commerce store, an in-person POS setup, or recurring billing.

3. Connect your payment methods — Enable cards (Visa, Mastercard), local wallets (PayNow, GrabPay, Touch 'n Go, GCash), and BNPL options such as Atome where available, depending on your market.

4. Start accepting payments — Share payment links, embed a checkout on your website, or use the HitPay POS app on a smartphone or tablet.

5. Get paid out — Funds are settled to your bank account on a regular schedule based on your location and payment method.

The entire process is designed to be accessible to non-technical founders, solo operators, and growing teams alike.

Key Features of the HitPay Payment Platform

Understanding what HitPay offers helps clarify why it has become a go-to choice for SMEs in the region. The platform covers four core areas:

Online Payments

HitPay merchant partners can generate payment links instantly and share them via WhatsApp, email, Instagram, or any messaging channel. There is no website required. For businesses with an existing site, HitPay offers plugins for Shopify, WooCommerce, and other major e-commerce platforms.

Point-of-Sale (POS)

HitPay's POS system turns any iOS or Android device into a payment terminal. Merchant partners can accept card payments, QR code payments, and digital wallets in-store — without expensive hardware requirements. The POS also tracks sales, manages product catalogues, and generates receipts automatically. For Singapore-specific guidance on choosing a POS system, see our Singapore POS system guide.

Payment Links and Invoicing

For service-based businesses, freelancers, and B2B operators, HitPay offers customisable payment links and professional invoices. Merchant partners can set payment amounts, add descriptions, and customise the checkout with their branding, making it straightforward to get paid for services without a full e-commerce setup.

Recurring Billing and Subscriptions

HitPay supports subscription billing, which allows merchant partners to charge customers on a daily, weekly, monthly, annual, or fully custom schedule. This is particularly useful for fitness studios, membership businesses, SaaS startups, and tuition centres.

What Is HitPay's Pricing Model?

HitPay operates on a transparent, pay-per-transaction pricing model with no setup fees, no monthly subscription, and no hidden charges. Merchant partners pay only when they collect — making it accessible to businesses at any stage of growth, from new market stall operators to established multi-location retailers.

Exact rates vary by market and payment method. Always refer to the HitPay pricing page for current figures, as rates are subject to change.

Who Uses HitPay?

HitPay is purpose-built for SMEs, but the platform serves a wide range of business types across Southeast Asia:

• Retail and F&B — Cafés, boutiques, and market stall operators who need a reliable POS system

• E-commerce sellers — Online store owners who want a checkout that supports local payment methods

• Service businesses — Tutors, salons, fitness instructors, and consultants collecting payments via links or invoices

• Non-profits and event organisers — Collecting donations or ticket sales without a full tech setup

• Startups — Early-stage companies that need a payment solution before investing in custom development

Why Do SMEs in Southeast Asia Choose HitPay?

The Southeast Asian market has unique payment preferences. Singapore shoppers frequently use PayNow and credit cards. Malaysian consumers rely on Touch 'n Go and FPX bank transfers. Filipino buyers expect GCash and Maya as checkout options. For businesses accepting QR payments in the Philippines, see our guide to generating QRPH codes.

HitPay supports the local payment methods that matter in each market, which means merchant partners do not need to stitch together multiple providers to cover their customer base. Combined with no-code setup, a unified dashboard, and responsive local support, HitPay reduces the operational complexity that typically burdens growing SMEs.

Frequently Asked Questions

Q: What is HitPay used for?

HitPay is used by SMEs across Southeast Asia to accept payments online, in-store, and via payment links. Merchant partners use it to run e-commerce stores, manage POS transactions, send invoices, and set up recurring billing — all from a single platform without requiring technical expertise.

Q: Is HitPay available outside Singapore?

Yes. While HitPay is headquartered in Singapore, the platform is also available in Malaysia and the Philippines. Each market has localised payment method support, including Touch 'n Go, DuitNow, and FPX in Malaysia, and GCash and Maya in the Philippines.

Q: What payment methods does HitPay support?

HitPay supports a wide range of payment methods, including Visa, Mastercard, PayNow, GrabPay, Atome (BNPL), Touch 'n Go, DuitNow, FPX, GCash, Maya, and UPI for Indian customers — depending on the merchant partner's registered market. HitPay supports over 50 payment methods in total across its markets.

Q: Does HitPay require coding or technical skills?

No. HitPay is designed for non-technical business owners. Merchant partners can set up payment links, launch a POS system, and connect to e-commerce platforms like Shopify and WooCommerce using built-in plugins — no developer required.

Q: How long does it take to start accepting payments with HitPay?

Most merchant partners can complete sign-up quickly, with account creation taking just minutes. Once verified, payment links and the HitPay POS can be activated immediately. E-commerce integrations using available plugins for Shopify and WooCommerce are designed to be quick and straightforward.

Q: Is HitPay safe and regulated?

Yes. HitPay is regulated by multiple financial authorities, including the Monetary Authority of Singapore (MAS), Bank Negara Malaysia, and the Bangko Sentral ng Pilipinas (BSP). The platform is PCI DSS compliant, SOC 2 certified, and uses industry-standard encryption and security protocols to protect transaction data.

Q: What is the difference between HitPay and a traditional payment gateway?

Traditional payment gateways are often developer-facing tools that require custom integration, separate hardware, and multiple vendor relationships. HitPay consolidates all of this — gateway, POS, invoicing, and reporting — into one no-code platform built specifically for SME workflows in Southeast Asia.

HitPay is a payment platform that removes the friction SMEs in Southeast Asia typically face when trying to accept payments across multiple channels. From online payment links to in-store POS, and from one-off transactions to recurring subscriptions, HitPay gives merchant partners the infrastructure to get paid — without the complexity.

If you are a business owner in Singapore, Malaysia, or the Philippines looking for a straightforward way to accept local and international payments, HitPay is worth a close look.

Ready to get started? Create your free HitPay account and begin accepting payments today →