Singapore · checked 17 Oct 2026
At a glance
| HitPay | KPay | |
|---|---|---|
| Monthly fee | None | "no recurring subscription fee" |
| In-person cards | 2.5% + S$0.50 domestic | "Rates from 1.1%", quoted by volume |
| Online payments | Payment Links, checkout, plugins | Not listed on KPay's SG site |
KPay figures quoted from kpay-group.com on 17 Oct 2026. See the full comparison
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KPay is a terminal-first provider in Singapore. Its Terminal Pro advertises rates “from 1.1%” and S$0 upfront, with exact rates quoted by volume. HitPay publishes every in-person and online rate. In-person domestic cards are 2.5% + S$0.50 and in-person PayNow is 0.4% (min S$0.10). Payment Links, online checkout and Shopify/WooCommerce plugins run from the same HitPay account. There’s no monthly fee, and terminals are bought once (WisePad 3 S$85).
Platform
KPay’s Singapore site lists in-person payments and an F&B POS. HitPay runs terminal and online sales from one account, with one dashboard and one payout.
KPay: terminal-first
“Accept 20 major payment methods on one portable terminal, with no recurring subscription fee”
POS “built for Singapore F&B”
Online payments: not listed on KPay’s SG site as of Oct 2026
HitPay: one platform
Terminals, Tap to Pay and SoundBox in store
Payment Links, invoicing, online store and recurring billing
Shopify, WooCommerce, Wix and Xero plugins
One dashboard and one payout for terminal and online sales
Pricing
HitPay rates from hitpayapp.com/sg/pricing and /sg/card-terminal. KPay figures quoted from kpay-group.com/en-sg and its Terminal Pro page, checked 17 Oct 2026. KPay quotes rates by volume.
| HitPay | KPay | |
|---|---|---|
| Monthly or subscription fee | None | "no recurring subscription fee" |
| In-person card rate | 2.5% + S$0.50 domestic; 3.2% + S$0.50 international | "Rates from 1.1%"; tailored quote |
| In-person PayNow | 0.4% (min S$0.10) | Not listed on KPay's SG site |
| Online card rate | 2.8% + S$0.50 domestic | Not listed on KPay's SG site |
| Payment Links / invoicing | Yes (+0.2%) | Not listed on KPay's SG site |
| Shopify / WooCommerce | Yes (+0.5% / +0.2%) | Not listed on KPay's SG site |
| Hardware | One-time purchase: Tap to Pay free, WisePad 3 S$85, FlexiPOS S$500 | Terminal Pro from S$0 upfront |
| Settlement | Cards T+1 business days; non-card T+1 calendar day; one payout for terminal + online | T+1 (conditions apply) |
| Licence | MAS licensed | MAS Major Payment Institution |
Online
HitPay Payment Links, hosted checkout and plugins run from the same account as your terminal. KPay’s online offer is not listed on its Singapore site as of Oct 2026.
| Online | HitPay | KPay |
|---|---|---|
| Payment Links | Yes (+0.2%) | Not listed on KPay's SG site |
| Invoicing | Yes (+0.2%) | Not listed on KPay's SG site |
| Online checkout, domestic cards | 2.8% + S$0.50 | Not listed on KPay's SG site |
| Online checkout, PayNow | 0.65% + S$0.30 (S$100 and above); 0.9%, min S$0.20 (below S$100) | Not listed on KPay's SG site |
| Shopify / WooCommerce | +0.5% / +0.2% | Not listed on KPay's SG site |
Hardware
KPay offers Terminal Pro from S$0 upfront. HitPay terminals are a one-time purchase with no monthly rental.
| Hardware | HitPay | KPay |
|---|---|---|
| How you get it | One-time purchase, no rental | Terminal Pro "from S$0 upfront" |
| Tap to Pay on your phone | Free | — |
| SoundBox | S$30 | — |
| WisePad 3 | S$85 | — |
| FlexiPOS | S$500 | — |
| Rental or monthly charges | None | "no rental fees, registration fees, or monthly usage charges" |
Payouts
Settlement times as each company publishes them.
KPay
T+1 settlement, “subject to bank processing time and approval”
HitPay
Cards: T+1 business days, online and in person
Non-card methods: T+1 calendar day
One payout and one dashboard for terminal and online sales
Also compare: HitPay vs Qashier · Best POS system in Singapore · PayNow for business
frequently asked questions
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.
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.
What does KPay charge?
KPay advertises rates "from 1.1%" and quotes based on volume. HitPay's full rate card is on /sg/pricing.
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.
Is KPay licensed in Singapore?
KPay announced in-principle approval from MAS (KPay newsroom). HitPay is MAS licensed.
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