Singapore · compared 17 Oct 2026
At a glance
| HitPay | KPay | Qashier | |
|---|---|---|---|
| Fixed fee | None | "no recurring subscription fee" | $5/day (excl. GST) |
| In-person cards | 2.5% + S$0.50 | from 1.1% (quoted) | from 1.8% |
| Online on the same account | Yes | Not listed on SG site | Yes |
KPay and Qashier figures are “from” rates on their own pages, 17 Oct 2026. See the full table
QUICK ANSWER
For businesses that sell both in-store and online, pick a provider with published rates for both. HitPay: in-person cards 2.5% + S$0.50, PayNow 0.4%, online and plugins on the same account, no monthly fee.
How to choose
Look past the headline rate. These decide what you actually pay and how you run the business.
Fixed fees vs per transaction
A daily or monthly platform fee costs you on quiet days too
Qashier lists $5/day. KPay advertises no recurring subscription fee. HitPay charges per transaction only
Online coverage
Check whether payment links, online checkout and plugins share an account with your terminal
HitPay: yes. Qashier: pay-by-link, invoices and a website. KPay: not listed on its SG site
Payouts
How fast you get paid, and whether terminal and online sales land in one payout
HitPay: cards T+1 business days, non-card T+1 calendar day, one payout. KPay: T+1, subject to bank processing
Hardware
Buy once, take it at S$0 upfront, or pay a daily add-on
HitPay: Tap to Pay free, SoundBox S$30, WisePad 3 S$85, FlexiPOS S$500. KPay: Terminal Pro from S$0 upfront. Qashier: QashierXS from $299
Compare
HitPay rates from hitpayapp.com/sg/pricing and /sg/card-terminal. KPay figures from kpay-group.com/en-sg; Qashier figures are its “starting from” rates from qashier.com/sg/mdr-rates and /sg/pricing. Checked 17 Oct 2026.
| HitPay | KPay | Qashier | |
|---|---|---|---|
| Monthly or daily fee | None | "no recurring subscription fee" | $5/day (excl. GST) |
| In-person cards | 2.5% + S$0.50 domestic; 3.2% + S$0.50 international | "Rates from 1.1%"; tailored quote | from 1.8% |
| In-person PayNow | 0.4% (min S$0.10) | Not listed on KPay's SG site | from 0.4% |
| In-person e-wallets | GrabPay 2.2%, ShopeePay 1.8% | Not listed on KPay's SG site | from 1.25% |
| Online cards | 2.8% + S$0.50 domestic | Not listed on KPay's SG site | from 2.4% + $0.20 |
| Online PayNow | 0.65% + S$0.30 (≥S$100); 0.9% min S$0.20 (<S$100) | Not listed on KPay's SG site | from 0.8% |
| Payment Links / invoicing | Yes (+0.2%) | Not listed on KPay's SG site | Pay-by-link, invoices |
| Shopify / WooCommerce | +0.5% / +0.2% | Not listed on KPay's SG site | Sync (fees not listed) |
| Hardware | One-time: Tap to Pay free, SoundBox S$30, WisePad 3 S$85, FlexiPOS S$500 | Terminal Pro from S$0 upfront | QashierXS from $299; Soundbox $199 |
| Licence | MAS licensed | MAS Major Payment Institution | MAS MPI licence |
Fit Assessment
Each provider is strong at something different.
Qashier fits if you:
Run F&B and want the operations bundle: kitchen display, GTO mall reporting, GrabFood/foodpanda and loyalty
KPay fits if you:
Want a volume-quoted terminal deal: “rates from 1.1%”, Terminal Pro from S$0 upfront
HitPay fits if you:
Sell in retail, services or online
Want terminal and online payments in one dashboard with one payout
Want published rates (HitPay is not a restaurant POS)
Read the full comparisons: HitPay vs KPay · HitPay vs Qashier · PayNow for business
frequently asked questions
What is the best POS system in Singapore for in-store and online payments?
For businesses that sell both in-store and online, pick a provider with published rates for both. HitPay: in-person cards 2.5% + S$0.50, PayNow 0.4%, online and plugins on the same account, no monthly fee.
Is HitPay a good KPay alternative in Singapore?
Yes, if you want published rates and online payments in the same account as your terminal. In-person domestic cards are 2.5% + S$0.50, in-person PayNow is 0.4% (min S$0.10), and there is no monthly fee.
Is there a cheaper alternative to Qashier in Singapore?
HitPay has no daily or monthly platform fee. In-person PayNow is 0.4% (min S$0.10) and the SoundBox costs S$30 one-time.
Does KPay support online payments?
KPay's Singapore site lists in-person payments and POS. Check with KPay for any online products. HitPay supports Payment Links, online checkout and Shopify/WooCommerce from one account.
Does Qashier do online payments?
Yes. Qashier lists pay-by-link, invoices and online ordering, with online cards from 2.4% + $0.20.
Is HitPay right for restaurants that need a full F&B POS?
No. HitPay doesn't offer restaurant POS features such as kitchen display or table ordering, so Qashier is the better fit there. HitPay suits retail, services and online sellers who want terminal and online payments in one dashboard with one payout.
Do I have to rent a HitPay terminal?
No. You buy it once, with no monthly rental. Tap to Pay on your phone is free.
Still have questions?
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