All-in-one finance stack for SEA businesses. BillPay →
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HitPay BillPay pays supplier invoices from the same Singapore account you already use to get paid. Upload a PDF or forward it to your bill email, approve it, then pay. Local transfers go out over PayNow or FAST at S$0.50 each and arrive in real time; international payments reach 150+ countries and territories over local rails or SWIFT at a published FX cost of from 0.5% FX fee — confirm hitpayapp.com/sg/pricing. There is no monthly fee, and a transfer cannot be funded from HitPay Balance.
Vs Aspire, Airwallex, or YouBiz: those products are usually bought as a business-account / spend stack. HitPay BillPay is the fit when you want supplier payments on the same MAS-licensed HitPay account as customer checkout — OCR capture, multi-level approval, local + international in one run — without a separate monthly platform fee.
Most Southeast Asian businesses run money-in and money-out on entirely different systems - a payment processor for customer collections, a bank for local supplier transfers, and a separate service for anything international. HitPay is building one connected stack instead: accept customer payments, collect from local and overseas business partners, and now pay suppliers — all from the same account, the same login, and the same Xero sync.
How it works
01
Upload / Forward
Upload an invoice or forward it to your BillPay email. OCR and AI read the vendor, amount, account number, and due date automatically.
02
Approve
Bills route through multi-level approval by amount. Select several at once and approve them together - no more 50 separate sign-offs.
03
Paid
Pay local suppliers via PayNow, QRPH, or bank transfer, and international suppliers in one batch - funded and reconciled to Xero automatically.
01. OCR & AI Capture
Most merchants in Singapore and the Philippines still enter supplier invoices into a spreadsheet by hand, one line at a time. HitPay BillPay removes that step. Upload an invoice as a PDF or photo, or forward it straight from a supplier’s email to your account’s dedicated bill address, and OCR combined with AI reads the vendor name, amount, bank account number, and due date directly into a draft bill. For merchants processing dozens of invoices a month, this turns hours of manual data entry into a single review - no re-typing, no transposition errors, and no invoice sitting forgotten in an inbox.
Instant OCR
Reads vendor, amount, account number, and due date automatically.
Email Forwarding
No manual upload required - invoices land straight from a supplier’s email.
Vendor Directory
Bulk import for merchants migrating off spreadsheets.
AI Categorisation
Categories mapped to your Xero account codes before the bill syncs.
02. Approval Controls
A finance manager or staff member can prepare and submit a bill, while the business owner retains final sign-off - without either party needing to be in the same room or on the same bank login. HitPay BillPay’s multi-level approval rules route bills by amount, so a small recurring invoice can auto-clear while a large or international payment always reaches the owner first. Every approval, decline, and edit is timestamped and logged, giving audit-ready visibility by default rather than as an add-on — a control most banks and basic bill-pay tools simply don’t offer.
Rules by Amount
Multi-level approval routing configured to the bill amount.
Bulk Approve
Select multiple bills and approve them in one action.
Full Audit Trail
Every approval, decline, and edit timestamped automatically.
Free, No Tier
Included by default - no separate paid approvals plan.
03. Local & International, One Workflow
Most businesses use their bank for local supplier payments and a separate service for international transfers - two logins, two workflows, two reconciliation exports. HitPay BillPay combines both. In Singapore, you can pay a local supplier in SGD via PayNow or FAST and an overseas supplier - say, a manufacturer in China or United States - in the same review and the same funding action. Pay suppliers in 150+ countries and territories over local rails or SWIFT, from 0.5% FX fee. In the Philippines, BillPay funds local supplier payments via InstaPay and PESONet in PHP. Due-date scheduling lets you approve ahead and fund each bill close to its due date. A bill that is not funded in time expires after three days and the money is returned to you.
Singapore
Local PayNow/FAST and international supplier (e.g. USD/GBP/AUD) payments together.
Philippines
Local InstaPay and PESONet supplier payments at launch.
Per-Bill Funding
Choose PayNow, QRPH, or bank transfer for each bill.
Due-Date Scheduling
Approve ahead, fund near the due date, pay automatically.
04. Xero Sync & Tracking
Once a bill is paid, HitPay BillPay pushes the payment record straight into Xero against the right vendor and GL account, using your mapping from BillPay categories to Xero expense accounts, and marks the Xero bill as paid - the manual reconciliation step most finance teams dread simply disappears. Every bill also carries a full status timeline, from creation and OCR extraction through approval and payment, so a merchant or finance manager can see exactly where any payment stands: pending, processing, completed, or failed, with a timestamp at each stage. Nothing gets lost between a forwarded email and a supplier’s bank account.
Xero Sync
Per-line-item accounting categories, synced automatically.
Full Timeline
Pending, processing, completed, or failed - timestamped.
Zero Manual Entry
No manual reconciliation or duplicate entry, ever.
Never Miss a Due Date
Notifications at every step of the payment journey.
Why HitPay
Every tool that pays supplier invoices automates bill capture - that’s table stakes. What’s different is where it lives: the same account your business already uses to get paid, built for Singapore and Philippine payment rails, at no monthly cost.
Compare
HitPay sources: Singapore pricing · this page. Aspire, Airwallex and YouBiz figures link to each provider’s own pages. Collecting from B2B clients into the same wallet? See Collection Account. Airwallex on its own: HitPay vs Airwallex.
| Need | HitPay BillPay (SG) | Aspire Bills / Bill Pay | Airwallex Bill Pay | YouBiz |
|---|---|---|---|---|
| Primary job | Pay supplier invoices from the same HitPay account used to get paid | Vendor bills inside Aspire business account | Domestic + international bills inside Airwallex Spend | Pay/spend from YouBiz multi-currency account + cards |
| Monthly platform fee | S$0 (/sg/pricing) | Bills service included in your Aspire subscription; Basic account SGD $0/mo · Premium SGD $15/mo (Aspire Bill Pay · Aspire pricing) | Explore Free · Grow S$79 · Accelerate from S$399; Bill Pay listed on plans; transaction fees still apply (Airwallex SG pricing · SG how-it-works) | S$0/mo (YouBiz) |
| Local SG supplier pay | PayNow/FAST · S$0.50/transfer (/sg/pricing) | Local transfers via FAST/GIRO/PayNow described as zero fees / free (Aspire payments · MCA transfer fees) | Local-rail payouts Free to 120+ countries (SG how-it-works); Fee Schedule lists local payout $0 (Fee Schedule PDF) | Local FAST transfer free (YouBiz MCA); PayNow top-up/receive free (guide) |
| International supplier pay | From 0.5% FX fee · 150+ countries (/sg/pricing) | FX From 0.22% on Basic; international transfers included / plan allowances (Aspire pricing · payments); exact per-bill international transfer fee beyond FX: FEE TBD | FX 0.4%–0.6% above interbank; local rails free; SWIFT S$20–S$35/transfer (SG how-it-works · pricing) | Overseas transfer: “transparent, low fee” / rates shown in-app — exact % FEE TBD (MCA · guide); card spend FX 0% is not the same as a bank remittance |
| OCR / email bill capture | Upload or forward to BillPay email · OCR · multi-level approval | Upload or forward to [email protected] · AI draft · approval (Aspire Bill Pay) | Upload, email, or sync from accounting · approvals (Airwallex Bill Pay) | Approval policies for transfers (MCA); dedicated bill-OCR product depth: FEATURE TBD |
| Payment acceptance + bill pay, one account | Yes — HitPay checkout + BillPay | Acquiring depth: confirm on Aspire (business account first) | Payments + Bill Pay available on Airwallex — confirm plan | Card/spend-led — confirm acquiring |
| Funding rule | Cannot fund a BillPay transfer from HitPay Balance | Debit from Aspire accounts (confirm in-app) | Pay from Airwallex wallet / held balances (confirm) | Spend from topped-up YouBiz balance / wallets |
| Best for | Merchants who already collect via HitPay and need supplier pay on the same account | Teams standardising on Aspire as finance OS | Teams buying Airwallex for global FX + bill workflows | Teams buying YouBiz for 0% FX card spend who also send overseas |
Coverage
Where BillPay sends money, and how fast
Which rails a payment goes out on, and how long it takes, depends on where your business is registered and where the supplier is. A Singapore account sends locally and internationally; a Philippine account sends locally.
Pricing
Confirm live on Singapore pricing. You pay per transfer; a quiet month costs nothing in platform fees.
| Transfer type | Rails | HitPay fee (confirm /sg/pricing) |
|---|---|---|
| Local SG | PayNow or FAST | S$0.50 per transfer |
| International | Local rails or SWIFT · 150+ countries/territories | From 0.5% FX fee |
| Platform | — | No monthly fee |
| Funding | PayNow / bank transfer (not HitPay Balance) | A BillPay transfer cannot be funded from HitPay Balance |
S$0
Monthly subscription - pay per transaction
1
Account for accepting payments and paying suppliers
0
Manual re-entry - OCR capture to Xero sync
Accounts unified
From invoice capture to a paid, reconciled bill — one workflow, one account, no monthly fee.
frequently asked questions
What merchants ask most about paying suppliers from their HitPay account.
What is HitPay BillPay and how does it work?
BillPay pays supplier invoices from the HitPay account you already use to get paid. Upload a supplier invoice or forward it to your account's bill email address, and OCR reads the vendor, amount, account number and due date into a draft bill. It routes for approval, then pays out on the date you set. One account for money in and money out, with no monthly fee.
Who can create, submit and approve bills?
Any staff member with BillPay access can upload an invoice or forward it to the bill email address to create a bill. Approvers, usually owners or finance managers, sign off before money moves. Approval rules can be set by amount, so small bills clear quickly and large ones need a second pair of eyes. Every action is recorded in the bill's timeline.
Which payment rails does BillPay use in Singapore?
Local Singapore payments go out over PayNow or FAST and arrive in real time. International payments reach 150+ countries and territories, sent either over local rails in the destination country or by SWIFT. Local rails arrive anywhere from real time to T+3 depending on the country; SWIFT is T+3 business days.
How much does BillPay cost in Singapore?
There is no monthly subscription. Local transfers over PayNow or FAST cost S$0.50 each. International transfers are priced from 0.5% FX fee (150+ countries and territories; local rails or SWIFT) — confirm live on the Singapore pricing page. You pay per transfer, so a quiet month costs you nothing in platform fees. A BillPay transfer cannot be funded from HitPay Balance.
How does funding and scheduling work?
You fund each bill rather than drawing from a running balance, and a BillPay transfer cannot be funded from your HitPay Balance. Fund by PayNow or bank transfer. A local bill can be funded any time from three days before its scheduled date through the date itself; a foreign-currency bill can be funded up to 24 hours before, with the FX rate locked for that period. If a bill is not funded in time it is marked Expired after three days and the funds are returned to you, with a warning email the day before.
What do the bill statuses mean?
A bill moves through Pending, then Need Approval while it waits for sign-off, then Approved and Scheduled once it has a funding date. From there it goes to Processing, may pass through Compliance Screening, and finishes as Completed. A bill that does not go through ends as Failed, Expired, Rejected or Canceled.
Is there a limit on how many bills or suppliers I can manage?
There is no cap on the total number of bills. Two working limits are worth knowing: a batch action covers up to 50 bills at a time, and a vendor CSV import takes up to 500 rows per file. Invoice files can be PDF, JPG or PNG up to 10MB each.
Can Singapore merchants pay overseas suppliers?
Yes. A Singapore-registered business can pay an overseas supplier in the supplier’s local currency in the same approval run as a local PayNow payment. International payments reach 150+ countries and territories and use HitPay’s published international BillPay FX — from 0.5% FX fee on /sg/pricing. Philippine-registered BillPay remains local-only and is out of scope for this Singapore comparison.
Does BillPay sync with Xero?
Yes. New vendors are created in Xero automatically, or linked to an existing supplier rather than duplicated. An approved bill is pushed to Xero against the right vendor and GL account, using your mapping from BillPay categories to Xero expense accounts. When the bill is paid in HitPay, the Xero bill is marked as paid. Vendors imported from Xero are read-only in HitPay.
How does HitPay BillPay compare to Aspire, Airwallex, or YouBiz?
Aspire Bills, Airwallex Bill Pay, and YouBiz transfers are usually part of a business-account or spend platform. HitPay BillPay is built for merchants who already get paid on HitPay and want supplier payments on that same account — OCR, approvals, local PayNow/FAST at S$0.50, international from 0.5% FX fee, no monthly fee (/sg/pricing). Always verify Aspire, Airwallex, and YouBiz fees on their own Singapore pages.
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