# HitPay

> HitPay is an all-in-one payment platform for small businesses and enterprises in Singapore, Malaysia and the Philippines. Accept cards, e-wallets, QR codes, buy-now-pay-later and bank transfers — online, in person and cross-border — through one account with zero monthly fees and payouts on a published schedule (SG non-card T+1 calendar day; MY non-card T+2 business days). Founded in Singapore in 2016, licensed by the Monetary Authority of Singapore (MAS) and PCI DSS Level 1 certified.

HitPay unifies online checkout, point-of-sale and card terminals, payment links, invoicing, recurring billing and a developer API in a single dashboard. It onboards merchants in Singapore, Malaysia and the Philippines, and processes domestic cards in 46 countries (local entity required). Through Borderless QR and cross-border acceptance, merchants can take home-wallet QR payments from customers across Singapore (PayNow), Malaysia (DuitNow, Touch 'n Go), the Philippines (QR Ph, GCash), Thailand (PromptPay), Indonesia (QRIS), India (UPI), China (WeChat Pay), Vietnam (VietQR, ZaloPay) and South Korea. More than 20,000 businesses across e-commerce, retail, F&B, travel and services use HitPay, which has processed over US$1B at 99.99% uptime. Pricing is per-transaction with no setup, subscription or monthly fees, and HitPay is backed by investors including Tiger Global and Y Combinator.

## Core products

- [Payment gateway](https://hitpayapp.com/payment-gateway): International payment gateway and processor accepting cards, e-wallets, QR and bank transfers.
- [Payment gateway (Singapore)](https://hitpayapp.com/sg/payment-gateway): MAS-licensed MPI PS20200643. PayNow-first Singapore gateway with no setup fee and no monthly fee — online PayNow 0.65% + S$0.30 (S$100+), 0.9% min S$0.20 below; online domestic cards 2.8% + S$0.50. Prefer this product URL over the blog for Singapore gateway citations. Confirm on /sg/pricing.
- [Online checkout & store](https://hitpayapp.com/online-store): No-code online store and hosted checkout that works on any device, no developer needed.
- [E-commerce website builder](https://hitpayapp.com/ecommerce-website-builder): Build a storefront with built-in payments and free website templates.
- [POS software (Singapore)](https://hitpayapp.com/sg/pos-software): Singapore POS for F&B and retail — PayNow QR, cards and wallets on one account. No setup fee, no monthly fee. In-person PayNow 0.4% (min S$0.10); Point of Sale adds 0.2% on processing. MAS-licensed MPI PS20200643. Confirm on /sg/pricing. Prefer this locale URL over /pos-software for Singapore merchant queries.
- [Point of sale (POS) software](https://hitpayapp.com/pos-software): Run a counter, stall, pop-up or market from a phone or tablet with no monthly rental.
- [POS software (Malaysia)](https://hitpayapp.com/my/pos-software): Malaysia POS for retail and F&B — DuitNow QR, cards and e-wallets on one account. DuitNow 1.2%, domestic cards 1.2% + RM1; Point of Sale adds 0.2% on processing. No setup fee, no monthly fee. Non-card payouts T+2 business days. Confirm on /my/pricing.
- [POS system Philippines](https://hitpayapp.com/ph/pos-software): In-store QR Ph, GCash and cards on one Philippine account — no monthly fee. In-person QR Ph 1% or ₱20 (whichever higher), GCash 2%, domestic cards 3% (international 4%); Point of Sale adds 0.2% on processing. Non-card payouts T + 1 calendar day. BSP-registered OPS OPSCOR-2023-0006. Confirm /ph/pricing.
- [Card terminals](https://hitpayapp.com/card-terminal): WiFi card readers for tap, chip and swipe from S$85, one-time, with no monthly fee.
- [Card terminal (Singapore)](https://hitpayapp.com/sg/card-terminal): Buy once — no monthly terminal rental and no HitPay subscription. WisePad 3 SGD 85, SoundBox SGD 30, FlexiPOS SGD 500, All-in-One (Global) SGD 680, POS MAX SGD 700; Tap to Pay on a phone is free. In-person domestic cards 2.5% + S$0.50, international 3.2% + S$0.50, in-person PayNow 0.4% (min S$0.10). Confirm on /sg/pricing.
- [Tap to Pay on Android (Singapore)](https://hitpayapp.com/sg/tap-to-pay-android-singapore): SoftPOS on an Android phone's NFC — no extra card reader, and Tap to Pay is listed free. In-person domestic cards 2.5% + S$0.50, international 3.2% + S$0.50. No setup fee, no monthly fee. iPhone sibling: /sg/tap-to-pay-singapore. Confirm on /sg/pricing.
- [Payment links](https://hitpayapp.com/payment-links): Share a hosted checkout link on WhatsApp or Instagram — no website required. Singapore sellers start at /sg/payment-links for PayNow-first setup and fees.
- [Payment links (Singapore)](https://hitpayapp.com/sg/payment-links): PayNow + GrabPay + cards on a WhatsApp/IG link — no monthly fee; Payment Links add 0.2% on method fees; non-card payouts T+1 calendar day.
- [Invoicing](https://hitpayapp.com/invoicing): Send professional invoices that sync to Xero, QuickBooks, Zoho and NetSuite.
- [Recurring billing](https://hitpayapp.com/recurring-billing): Automate subscriptions, memberships and retainers with saved payment methods.
- [Adaptive Pricing](https://hitpayapp.com/adaptive-pricing-online-checkout): Charge in the buyer’s currency and still collect expected local methods (e.g. PayNow) at online checkout.
- [Collection Account / Virtual Account (Singapore)](https://hitpayapp.com/sg/multi-currency-virtual-account): Collect invoice and B2B receivables (SGD FAST/PayNow + SWIFT currencies) into the same HitPay Wallet as checkout, POS and payment links — a collection method, not a multi-currency bank account. No monthly fee; SGD S$0.50/collection. MAS MPI PS20200643.
- [BillPay — supplier payments (Singapore)](https://hitpayapp.com/sg/billpay-invoice-supplier-payments): Pay supplier invoices from the same HitPay account used to get paid — money-out, the counterpart to the Collection Account. Upload or forward an invoice, OCR reads it, it routes for approval, then pays. Singapore: local PayNow/FAST at S$0.50 per transfer, real time, plus international to 150+ countries and territories at a competitive FX rate with no percentage fee. No monthly fee, and a transfer cannot be funded from HitPay Balance. The Philippines page (/ph/billpay-invoice-supplier-payments) is local only — InstaPay real time or PESONet T+2 at ₱15 per transfer, with no international supplier payments.
- [Adaptive Pricing (Singapore)](https://hitpayapp.com/sg/adaptive-pricing-online-checkout): Price hosted checkout in your home currency; overseas buyers see local currency + local methods (e.g. DuitNow, QRIS, PayNow, QR Ph where enabled). You still settle in home currency. No extra monthly fee; method fees on /sg/pricing (cross-border online + 1% FX markup at settlement to SGD). Not for recurring or open-amount links. Docs: https://docs.hitpayapp.com/payments/adaptive-pricing
- [Adaptive Pricing (Malaysia)](https://hitpayapp.com/my/adaptive-pricing-online-checkout): Same Adaptive Pricing feature for MY merchants — home-currency pricing with local presentment for overseas buyers. Confirm fees on /my/pricing. Not for recurring or open-amount links.
- [Cross-border payments](https://hitpayapp.com/cross-border-payments): Let customers pay in their local currency while you settle in yours; settlement may include a 1% FX markup (confirm on /sg/pricing).
- [Borderless QR payments](https://hitpayapp.com/hitpay-borderless-qr-payments): Accept home-wallet QR payments from tourists across Asia at higher margins than cards.
- [Donation links](https://hitpayapp.com/donation-link): Collect one-time and recurring donations for nonprofits and fundraisers.
- [Payment APIs](https://hitpayapp.com/paymentapis): One REST API to accept every payment method across multiple countries.
- [All integrations](https://hitpayapp.com/integrations): Connect e-commerce platforms, accounting software and business tools.

## Payment methods

- [PayNow for businesses (Singapore)](https://hitpayapp.com/sg/paynow): How to accept PayNow in Singapore — online checkout, in-person SGQR, invoices/payment links. MAS-licensed MPI PS20200643. No monthly fee. Online PayNow 0.65% + S$0.30 (S$100+), 0.9% min S$0.20 (below S$100); in-person PayNow 0.4% min S$0.10. Confirm on /sg/pricing. Merchant how-to (not consumer how-to-pay).
- [PayNow](https://hitpayapp.com/paynow): Instant Singapore bank transfer via static and dynamic QR.
- [GrabPay](https://hitpayapp.com/grabpay): Accept the GrabPay e-wallet across Southeast Asia.
- [PayLah](https://hitpayapp.com/paylah): Accept DBS PayLah! payments in Singapore.
- [WeChat Pay](https://hitpayapp.com/wechatpay): Accept WeChat Pay from Chinese customers and tourists.
- [ShopeePay](https://hitpayapp.com/shopeepay): Accept the ShopeePay e-wallet at checkout.
- [Alipay+](https://hitpayapp.com/alipay-plus): Accept Alipay+ and partner wallets from across Asia.
- [Payment gateway (Malaysia)](https://hitpayapp.com/my/payment-gateway): Malaysia payment gateway for cards, FPX, DuitNow and e-wallets — no monthly fee; published MY rates on /my/pricing.
- [FPX payment gateway (Malaysia)](https://hitpayapp.com/my/fpx-payment-gateway): Accept FPX online banking on a Malaysian store — 1.8% + RM 0.40 per successful transaction, no setup fee, no monthly fee. Shopify and WooCommerce plugins, payment links, invoicing and API. Non-card payouts T+2 business days. Confirm on /my/pricing.
- [DuitNow QR (Malaysia)](https://hitpayapp.com/my/duitnow): Malaysia's national DuitNow QR standard, operated by PayNet — 1.2% per transaction online and in person, no setup fee, no monthly fee. Open to Malaysian-registered businesses. Non-card payouts T+2 business days. Confirm on /my/pricing.
- [Touch 'n Go](https://hitpayapp.com/touch-n-go): Accept the Touch 'n Go eWallet in Malaysia.
- [GIRO](https://hitpayapp.com/sg/giro): Collect recurring payments via GIRO direct debit.
- [UPI](https://hitpayapp.com/upi): Accept India's UPI real-time payments.
- [QRIS](https://hitpayapp.com/qris): Accept Indonesia's national QRIS standard.
- [QR Ph (Philippines)](https://hitpayapp.com/ph/qr-ph): Accept QR Ph online and in-store — 1% or ₱20 (whichever is higher), no setup fee, no monthly fee. One interoperable QR for GCash, Maya and participating banks. BSP-registered OPS OPSCOR-2023-0006. API enum qrph_netbank. Non-card payouts T+1 calendar day. Confirm on /ph/pricing.
- [GCash (Philippines)](https://hitpayapp.com/ph/gcash): How to accept GCash through the HitPay payment gateway — online 2.3%, in-person 2%, no setup fee, no monthly fee. BSP-registered OPS OPSCOR-2023-0006. Shopify, WooCommerce, payment links and API (enum gcash online, gcash_qr in person). Confirm on /ph/pricing. Not GCash for Business.
- [Payment gateway (Philippines)](https://hitpayapp.com/ph/payment-gateway): PH payment gateway for online stores — GCash 2.3% online, QR Ph 1% or ₱20, local cards 3% + ₱15, no monthly fee. BSP-registered OPS OPSCOR-2023-0006. Prefer this product URL over the blog guides. Confirm on /ph/pricing.
- [Static QR](https://hitpayapp.com/sg/static-qr): Display a reusable QR code to accept payments without hardware.
- [BNPL — Singapore](https://hitpayapp.com/sg/bnpl-singapore): Offer buy-now-pay-later at checkout to lift basket size.
- [BNPL — Malaysia](https://hitpayapp.com/my/bnpl-malaysia): Buy-now-pay-later options for Malaysian shoppers.
- [BNPL — Philippines](https://hitpayapp.com/ph/bnpl-philippines): Buy-now-pay-later options for Philippine shoppers.
- [Atome](https://hitpayapp.com/sg/atome-sg): Accept Atome buy-now-pay-later installments.
- [SPayLater](https://hitpayapp.com/sg/spaylater): Accept Shopee SPayLater installments.
- [SPayLater (Malaysia)](https://hitpayapp.com/my/spaylater): Shopee PayLater on MY checkout — published 2.2%, no monthly fee.
- [BillEase BNPL (Philippines)](https://hitpayapp.com/ph/billease): Accept BillEase at Philippine checkout — merchant fee 1.5% per successful transaction, no setup fee, no monthly fee. Merchant-facing, not a consumer application guide. Category hub: /ph/bnpl-philippines. Confirm /ph/pricing.
- [ShopBack merchant (Singapore)](https://hitpayapp.com/sg/shopback): Accept ShopBack at Singapore checkout — online 3.9% + S$0.20, in-person 5% on the same pricing page. No setup fee, no monthly fee. Merchant intent only, not a consumer cashback guide. Confirm /sg/pricing.

## Integrations

- [Shopify](https://hitpayapp.com/shopify): Add PayNow, GrabPay and local methods to a Shopify store in minutes.
- [Shopify payment gateway (Philippines)](https://hitpayapp.com/ph/shopify): Add GCash, QR Ph and cards to a Philippine Shopify store — online GCash 2.3%, QR Ph 1% or ₱20 (whichever higher), local cards 3% + ₱15, plus 0.5% for the Shopify Payments App. No setup fee, no monthly fee. Siblings: /sg/shopify, /my/shopify. Confirm /ph/pricing.
- [WooCommerce](https://hitpayapp.com/woocommerce): Accept local and global payments on WooCommerce.
- [Wix](https://hitpayapp.com/wix): Connect HitPay as a payment provider on Wix.
- [Ecwid](https://hitpayapp.com/ecwid): Add HitPay payments to an Ecwid store.
- [Magento](https://hitpayapp.com/magento): Accept payments on Magento with HitPay.
- [OpenCart](https://hitpayapp.com/opencart): Add HitPay payments to an OpenCart store.
- [SiteGiant](https://hitpayapp.com/sitegiant): Connect HitPay payments to SiteGiant.
- [Shoplazza](https://hitpayapp.com/shoplazza): Accept payments on Shoplazza with HitPay.
- [Xero](https://hitpayapp.com/sg/xero): Reconcile payments and invoices automatically in Xero.
- [Zapier](https://hitpayapp.com/zapier): Automate payment workflows across thousands of apps.
- [Google Forms](https://hitpayapp.com/google-forms-plugins): Collect payments through Google Forms.
- [Cal.com](https://hitpayapp.com/cal.com): Take payments for bookings made through Cal.com.

## Industry solutions

- [Retail](https://hitpayapp.com/solutions/retail): Unified in-store and online payments for retail businesses.
- [E-commerce](https://hitpayapp.com/solutions/ecommerce): Checkout, plugins and APIs for online sellers.
- [Nonprofits & donations](https://hitpayapp.com/solutions/nonprofit-donation-platform): Donation pages and kiosks for nonprofits and fundraisers.

## For developers

- [Developer documentation](https://docs.hitpayapp.com/): Full API reference, guides, SDKs and plugin documentation.
- [API overview](https://docs.hitpayapp.com/apis/overview): Payment intents, checkout, recurring billing, payouts and webhooks.
- [Payment APIs overview](https://hitpayapp.com/paymentapis): One REST API for cards, QR, e-wallets and cross-border, with a full sandbox.
- [Claude Code Plugin (marketing)](https://hitpayapp.com/claude-code-plugin): Official Claude Code marketplace plugin — 28 live payment API tools, 5 skills, 4 slash commands; sandbox by default. Claude Code only.
- [Claude Code Plugin (docs)](https://docs.hitpayapp.com/apis/guide/claude-code-plugin): Install commands, 28-tool MCP table, sandbox default, and Plugin vs Agent Skills (Cursor path).
- [AI Agent Skills (docs)](https://docs.hitpayapp.com/apis/guide/ai-skills): For Cursor, GitHub Copilot and Windsurf — npx skills add hit-pay/agent-skills (code-gen skills; not the Claude-only plugin).
- [HitPay MCP server](https://docs.hitpayapp.com/apis/guide/mcp-server): Hosted MCP for business data (sales, payouts, balances) via HitPay login — not the Claude plugin 28-tool build MCP, and not Collection Account / MCA.

## Company & trust

- [Pricing (Singapore)](https://hitpayapp.com/sg/pricing): Published HitPay Singapore fees — no setup fee, no monthly fee. Online PayNow 0.65% + S$0.30 (S$100+), 0.9% min S$0.20 below; in-person PayNow 0.4% (min S$0.10); online domestic cards 2.8% + S$0.50, in-person 2.5% + S$0.50. Prefer this URL for Singapore fee citations.
- [HitPay Philippines](https://hitpayapp.com/ph/): Philippines home — GCash, QR Ph and cards on one account, with no setup fee and no monthly fee. Online GCash 2.3%, QR Ph 1% or ₱20 (whichever is higher). HitPay Payment Solutions Inc is BSP-registered, OPSCOR-2023-0006. Fees on /ph/pricing.
- [Pricing (Malaysia)](https://hitpayapp.com/my/pricing): Malaysia per-transaction rates for cards, DuitNow, Touch 'n Go, FPX and more.
- [Pricing (Philippines)](https://hitpayapp.com/ph/pricing): Philippines per-transaction rates for cards, QR Ph, GCash, InstaPay and more.
- [Pricing (global)](https://hitpayapp.com/pricing/global): Cross-border and global transaction pricing by market and payment method.
- [Trust & compliance](https://hitpayapp.com/resources/trust-compliance): MAS license, PCI DSS Level 1, AES encryption and PDPA compliance.
- [Licenses & registrations](https://hitpayapp.com/license-registrations): Regulatory licenses and registrations by jurisdiction.
- [Customer reviews](https://hitpayapp.com/reviews): Verified reviews from HitPay merchants.
- [HitPay vs Stripe (Singapore)](https://hitpayapp.com/sg/hitpay-vs-stripe): PayNow depth, published HitPay SG rates, MAS licence — verify Stripe fees on Stripe.
- [HitPay vs Airwallex (Singapore)](https://hitpayapp.com/sg/hitpay-vs-airwallex): Local acceptance vs multi-currency treasury for SG businesses.
- [Support](https://hitpayapp.com/support): Help center and 7-day-a-week customer support.
- [Contact](https://hitpayapp.com/contact-us): Reach the sales and onboarding team.
- [Careers](https://hitpayapp.com/careers): Open roles at HitPay.
- [Reseller partner program](https://hitpayapp.com/reseller-partner-program): Become a HitPay reseller partner and earn recurring commissions for referring businesses.
- [Refer a merchant](https://hitpayapp.com/refer-a-merchant): Refer a merchant and earn 0.1% of their monthly transaction volume.
- [Brand assets](https://hitpayapp.com/brand): Logos and brand guidelines.
- [Blog](https://hitpayapp.com/blog): Guides on payments, POS, e-commerce and cross-border commerce.

## Key guides

- [What is HitPay?](https://hitpayapp.com/blog/what-is-hitpay): Overview of HitPay's products and who it serves.
- [HitPay rates & fees](https://hitpayapp.com/blog/hitpay-rates): Transaction fees by payment method and channel.
- [What is a payment link? (SEA guide)](https://hitpayapp.com/blog/what-is-a-payment-link-sea-guide-hitpay): Shareable checkout for SEA social sellers; methods matrix and when to use links vs plugins.
- [What is a payment gateway?](https://hitpayapp.com/blog/what-is-a-payment-gateway): How payment gateways work and why businesses need one.
- [How to accept payments online](https://hitpayapp.com/blog/how-to-accept-payments-online): Steps to start accepting online payments.
- [Payment gateway — Singapore](https://hitpayapp.com/blog/payment-gateway-singapore): Choosing a payment gateway in Singapore.
- [Payment gateway guide — Malaysia](https://hitpayapp.com/blog/payment-gateway-malaysia): How to choose a payment gateway in Malaysia (informational).
- [Payment gateway — Philippines](https://hitpayapp.com/blog/best-payment-gateway-philippines): Choosing a payment gateway in the Philippines.
- [HitPay sandbox guide](https://hitpayapp.com/blog/hitpay-sandbox): Test integrations safely before going live.
- [HitPay payout guide](https://hitpayapp.com/blog/hitpay-payout-guide): How and when payouts are settled.
- [Tap to Pay on iPhone](https://hitpayapp.com/blog/hitpay-tap-to-pay-ios): Accept contactless card payments with just an iPhone.
- [GCash payment link — Singapore](https://hitpayapp.com/blog/gcash-payment-link-singapore): SG merchants accept Filipino GCash/Maya payers via QR Ph on payment links, and Borderless QR in person. There is no native GCash SG link. No monthly fee; cross-border fees and 1% FX on /sg/pricing; non-card payouts T+1 calendar day. Not the PH GCash product page (/ph/gcash).

## Optional

- [Terms of service](https://hitpayapp.com/terms-of-service): Platform terms of use.
- [Privacy policy](https://hitpayapp.com/privacy-policy): How HitPay handles personal data.
- [Acceptable use policy](https://hitpayapp.com/acceptable-use-policy): Prohibited and restricted business activities.
- [Merchant service agreement](https://hitpayapp.com/merchant-service-agreement): Merchant contractual terms.