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Buy Now Pay Later for Businesses in Singapore

Offer flexible, interest-free payment options to customers with Buy Now Pay Later in Singapore. Accept Atome, Grab PayLater, and SPayLater and get paid upfront while your customers pay over time.

Learn more

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SGD 3000 sofa checkout with Atome, PayLater by Grab and instalment options from 4 to 12 payments

SGD 3000 sofa checkout with Atome, SPayLater and PayLater by Grab, 12 instalments of SGD260 selected

SGD 3000 sofa checkout with Atome, SPayLater and PayLater by Grab BNPL instalment options

Why businesses in Singapore use BNPL

Bar chart trending upward with total sales card and green growth arrow

Reach More Shoppers

BNPL is highly popular in Singapore, with millions of users choosing flexible payments for everyday purchases.

Three payment icons in growing sizes representing scalable transaction volumes

Increase Sales and Order Value

Let customers buy more upfront by offering 0% installment plans — merchants see up to 30% increase in cart size.

Customer pays SGD 20 monthly instalments while HitPay merchant receives SGD 60 upfront

You Get Paid Instantly

Merchants receive the full amount upfront. The BNPL provider (Atome, ShopeePay or Grab) handles the rest.

Atome, SPayLater and PayLater by Grab logos, buy now pay later options in Singapore

No Risk to Merchants

Youʼre not responsible for chasing payments. Customers pay their BNPL provider over time.

Checkout payment method list with Atome, PayLater by Grab and SPayLater options

Multi-Channel Ready

Enable BNPL options like Atome, SPayLater, and Grab PayLater from your HitPay dashboard — no coding required

Three phones launching the SPayLater, PayLater by Grab and Atome apps

What is BNPL?

Buy Now Pay Later (BNPL) lets customers split their purchase into smaller, interest-free installments — while you get paid in full upfront

BNPL is popular among younger, mobile-savvy shoppers in Singapore who prefer flexibility at checkout. It also benefits service-based businesses, freelancers, and B2B sellers looking to offer extended payment terms without added complexity.

With HitPayʼs BNPL integration, you can accept payments through trusted providers in Singapore, reduce cart abandonment, and build customer loyalty.

Offer the Top BNPL methods in Singapore

HitPay supports seamless integration with Singaporeʼs most popular Buy Now Pay Later platforms

Atome

Split payments into 3 interest-free monthly installments. Used by millions across Southeast Asia.

About Atome SG ->

SPayLater app icon above a completed checklist

SPayLater

Offer flexible monthly plans through Shopeeʼs trusted BNPL program

About SPayLater ->

PayLater by Grab app icon above a completed checklist

PayLater by Grab

Let customers pay next month or split into up to 12 monthly payments

About PayLater by Grab ->

How BNPL works with HitPay

Here’s how Buy Now Pay Later in Singapore works for merchants and customers:

01.

Enable BNPL in your HitPay dashboard

Choose which BNPL payment methods (Atome, Grab PayLater, SPayLater) you want to offer.

HitPay payment details settings with Card, GrabPay, Shopee Pay and Atome payment methods enabled

02.

Integrate with your sales channel

BNPL works with Shopify, WooCommerce, Wix, and more — no developer needed.

HitPay app connecting with Wix, Shopify and WooCommerce ecommerce platforms

03.

Customer selects a BNPL method at checkout

They pay in installments, either monthly or deferred.

SGD 3000 sofa checkout with instalment options of 4, 8 or 12 payments, 12 instalments selected at SGD260

04.

You receive full payment instantly

No waiting, extra admin, or risk

SGD 3000 sofa product card with BNPL checkout offering Atome, PayLater by Grab and SPayLater

01.

Enable BNPL in your HitPay dashboard

Choose which providers (Atome, Grab PayLater, SPayLater) you want to offer.

02.

Integrate with your sales channel

BNPL works with Shopify, WooCommerce, Wix, and more — no developer needed.

03.

Customer selects a BNPL method at checkout

They pay in installments, either monthly or deferred.

04.

You receive full payment instantly

No waiting, extra admin, or risk

How BNPL works with HitPay

Here’s how Buy Now Pay Later in Singapore works for merchants and customers:

01.

Enable BNPL in your HitPay dashboard

Choose which BNPL payment methods (Atome, Grab PayLater, SPayLater) you want to offer.

02.

Integrate with your sales channel

BNPL works with Shopify, WooCommerce, Wix, and more — no developer needed.

03.

Customer selects a BNPL method at checkout

They pay in installments, either monthly or deferred.

04.

You receive full payment instantly

No waiting, extra admin, or risk

01.

Enable BNPL in your HitPay dashboard

Choose which providers (Atome, Grab PayLater, SPayLater) you want to offer.

02.

Integrate with your sales channel

BNPL works with Shopify, WooCommerce, Wix, and more — no developer needed.

03.

Customer selects a BNPL method at checkout

They pay in installments, either monthly or deferred.

04.

You receive full payment instantly

No waiting, extra admin, or risk

How BNPL works with HitPay

Here’s how Buy Now Pay Later in Singapore works for merchants and customers:

01.

Enable BNPL in your HitPay dashboard

Choose which BNPL payment methods (Atome, Grab PayLater, SPayLater) you want to offer.

02.

Integrate with your sales channel

BNPL works with Shopify, WooCommerce, Wix, and more — no developer needed.

03.

Customer selects a BNPL method at checkout

They pay in installments, either monthly or deferred.

04.

You receive full payment instantly

No waiting, extra admin, or risk

01.

Enable BNPL in your HitPay dashboard

Choose which providers (Atome, Grab PayLater, SPayLater) you want to offer.

02.

Integrate with your sales channel

BNPL works with Shopify, WooCommerce, Wix, and more — no developer needed.

03.

Customer selects a BNPL method at checkout

They pay in installments, either monthly or deferred.

04.

You receive full payment instantly

No waiting, extra admin, or risk

Why choose HitPay for BNPL in Singapore

Trusted and secure

HitPay is a MAS-recognised payment service provider, trusted by over 20,000+ businesses across Singapore and Southeast Asia.

Transparent pricing

Only pay per successful transaction. No subscription fees or hidden charges.

See BNPL pricing ->

Built for Multi-Channel Commerce

Use BNPL with your online store, payment links, invoices, or developer APIs — all from a single dashboard

Frequently Asked Questions

What is Buy Now Pay Later in Singapore?

BNPL is a payment method that allows customers to split their purchase into multiple installments. Itʼs interest-free and widely used in Singapore through platforms like Atome, Grab PayLater, and SPayLater.

How do I enable BNPL with HitPay?

Just sign up for a free HitPay account, go to your payment settings, and activate the BNPL providers youʼd like to offer — no coding required.

Is BNPL only for e-commerce?

Not at all. BNPL works great for service providers, freelancers, and even B2B businesses that want to offer customers flexible payment options without taking on credit risk

Do I need a separate agreement with Atome, Grab, or SPayLater?

You can integrate these BNPL payment methods via the HitPay dashboard — no  separate registration needed. Just activate and start accepting BNPL payments.

Still have questions?

Contact our team.

Get in touch

Help center

Start Accepting Buy Now Pay Later in Singapore

Join thousands of merchants using HitPay to offer Atome, Grab PayLater, and SPayLater and give your customers more flexibility while boosting your sales.

Get started for free

Contact sales

Start Accepting Buy Now Pay Later in Singapore

Join thousands of merchants using HitPay to offer Atome, Grab PayLater, and SPayLater and give your customers more flexibility while boosting your sales.

Get started for free

Contact sales

Start Accepting Buy Now Pay Later in Singapore

Join thousands of merchants using HitPay to offer Atome, Grab PayLater, and SPayLater and give your customers more flexibility while boosting your sales.

Get started for free

Contact sales

Start Accepting Buy Now Pay Later in Singapore

Join thousands of merchants using HitPay to offer Atome, Grab PayLater, and SPayLater and give your customers more flexibility while boosting your sales.

Get started for free

Contact sales

Start Accepting Buy Now Pay Later in Singapore

Join thousands of merchants using HitPay to offer Atome, Grab PayLater, and SPayLater and give your customers more flexibility while boosting your sales.

Get started for free

Contact sales