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Discover how businesses are growing with HitPay, through real stories, results, and experiences from our merchants.
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Developer Resources
Explore our comprehensive developer resources designed to enhance your experience. From detailed API documentation to interactive tutorials.
Transparent pricing No surprises
Only pay per transaction. No setup fees and monthly fees required.
Transparent pricing No surprises
Only pay per transaction. No setup fees and monthly fees required.
Transparent pricing No surprises
Only pay per transaction. No setup fees and monthly fees required.
PayNow
0.65%
+ S$0.30 from S$100
Cards
2.8%
+ S$0.50
Custom rates
Flexible enterprise pricing, tailored to your business — ideal for high-volume merchants with complex or multi-market needs
Learn More ->
How HitPay Pricing Works
HitPay uses a pay-per-transaction pricing model. Businesses can start accepting payments without setup or subscription fees and only pay when a payment is successfully processed.
Fees vary depending on the payment method used. For example, domestic online card payments are 2.8% + S$0.50 per transaction, while international cards are 3.65% + S$0.50. Additional fees may apply for certain payment types or foreign currency transactions.
Compare: HitPay vs KPay · HitPay vs Qashier · Best POS system in Singapore
Blended (flat-rate) vs interchange++ card pricing: what’s the difference?
Blended (flat-rate) pricing charges one published rate per card payment, so you know the fee upfront. Interchange++ passes on the issuer’s interchange and the scheme fee at cost, plus a provider markup, so the rate varies by card. HitPay uses flat published rates: domestic cards cost 2.8% + S$0.50 online and 2.5% + S$0.50 in person, with no monthly fee.
| Blended (flat-rate) | Interchange++ | |
|---|---|---|
| How the fee is set | One published rate per payment type, whatever card the customer uses | Interchange (set by the card network, paid to the card issuer) + scheme fee (Visa, Mastercard) + the provider’s markup |
| Predictability | You know the fee before the sale | Changes with card type (debit or credit, local or overseas, premium), so you only know the fee afterwards |
| Statements | One line per payment | Three fee parts per payment to reconcile |
| Suits | Businesses that want simple, predictable costs and easy reconciliation | Businesses with time to read itemised statements and the volume to negotiate the markup |
| HitPay | Yes. Domestic cards 2.8% + S$0.50 online, 2.5% + S$0.50 in person (terminal or Tap to Pay). International cards 3.65% + S$0.50 online, 3.2% + S$0.50 in person. No setup or monthly fees | Not published. Businesses with more than S$50k average monthly volume (last 6 months) can request custom pricing |
Example: a S$100 in-person domestic card payment at 2.5% + S$0.50 costs S$3.00 in fees, and you receive S$97.00.
Singapore
Domestic
Online Payments
In-person Payments
Recurring Payments
Cross border
Online Payments
In-Person Payments
Recurring Payments
Finance
Virtual Account
BillPay
ADD-ons
Softwares
Payment Links
Invoice
HitPay Online Store
Point of Sale
Recurring Billing
Plugin Integrations
Shopify
Woocommerce
Wix
Xero
See more..
Refunds
Chargebacks
Fraud Monitoring & Dispute Management
Custom pricing
Payout schedule
pricing calculator
Terminals
Online Payments
Accept payments on your website, app, or via payment links
2.8% + S$0.50
3.65% + S$0.50
2% additional fees is charged on foreign currency transactions
0.65% + S$0.30
for transaction values of S$100 and above
0.9%
(min fee S$0.20)
for transaction values below S$100
3%
5.5%
5.5%
3.9% + S$0.20
1.5%
2%
In-person Payments
Includes HitPay card terminals and Tap to Pay
2.5% + S$0.50
3.2% + S$0.50
0.4%
(min fee S$0.10)
2.2%
1.8%
1.5%
5.5%
5%
Recurring Payments
Set up subscriptions and automatic billing
2.8% + S$0.50
3.65% + S$0.50
$2.25 + 0.65%
5.5%
3%
1.5%
Cross-Border Payments (Online)
Accept payments from international customers
Customers pay in their local familiar payment method
Lower fees compared to international cards. Reduce chargebacks and dispute risks
A 1% FX markup is applied at settlement when converting the payment back to SGD
Cross-Border Payments (In-Person)
Accept international tourist payments seamlessly with HitPay Borderless QR on HitPay POS
Automatic currency conversion at mid-market rates, with zero exchange rate markup for customers
Boost profit margins by 0.5%+ with fees lower than standard international card rates
A 1% FX markup is applied at settlement when converting the payment back to SGD
Cross-Border Payments (Recurring Payments)
Accept subscription payments from international customers
Improve retention with higher success rates vs international cards
Reduce failed payments, chargebacks, and manual follow-ups
A 1% FX markup is applied at settlement when converting the payment back to SGD
Virtual Account
Collect in local currency through an account number in your business name.
SGD
S$0.50
per collection
All other currencies
1%
FX fee
CNH, CAD, EUR, HKD, NZD, NOK, GBP, SEK, CHF and USD
BillPay
Pay supplier invoices from the HitPay account you already use, including from your HitPay balance. No monthly fee. International: no per-transfer or SWIFT fee, from 0.5% FX.
Local transfer
S$0.50
per transfer
PayNow or FAST
International transfer
From 0.5%
FX fee
150+ countries and territories, over local rails or SWIFT
Business Software
Additional fee on top of payment processing
Plugin Integrations
Additional fee when using these platforms
Wix Payments App
0.2%
Xero
0.2%
Magento
0.2%
Google Forms
0.2%
Prestashop
0.2%
Ecwid
0.2%
Opencart
0.2%
WHMCS
0.2%
Odoo
0.2%
Give WP
0.2%
Cal.com
0.2%
Bukku Accounting
0.2%
Example Transaction Fees
Below are example fee calculations based on the standard pricing shown above.
In-person domestic cards
Payment received
S$100.00
Processing fee
2.5% + S$0.50
Total fee
S$3.00
Merchant receives
S$97.00
In-person international cards
Payment received
S$100.00
Processing fee
3.2% + S$0.50
Total fee
S$3.70
Merchant receives
S$96.30
In-person PayNow
Payment received
S$100.00
Processing fee
0.4%
Total fee
S$0.40
Merchant receives
S$99.60
For a more precise breakdown of fees tailored to your business volume, please use our
Pricing Calculator
Refunds
There are no additional fees for processing refunds. The original transaction fees from the initial payment are non-refundable.
No additional processing fees for refunds
Chargebacks
When a chargeback is initiated, the full disputed amount, including the chargeback fee, is deducted from your balance. If the dispute is ruled successfully in your favour, the disputed amount and chargeback fee will be credited back to you.
Chargeback fee applies — see rates by market
Fraud Monitoring & Dispute Management
We handle chargeback management, fraud, and disputes at no extra cost to you. That means we absorb the costs of fraud monitoring, chargeback handling, and dispute resolution.
Fully covered at no extra cost
Custom Pricing
We offer custom pricing based on market thresholds. If you’re eligible, just fill in the request form and we’ll be in touch.
Request Custom Pricing
→
Singapore
Average monthly volume last 6 months
Greater than S$50k
Philippines
Average monthly volume last 6 months
Greater than 500k PHP
Malaysia
Average monthly volume last 6 months
Greater than 50k RM
All other countries
Average monthly volume last 6 months
Greater than 35k USD
Pay-Outs Schedule
HitPay pays out Singapore card payments, online and in person, from T+1 business day. Non-card payments such as PayNow reach your HitPay Balance on T+1 calendar day.
Balance Type
Payout Frequency
Payout Processed By
HitPay Balance
(Non-card payment method)
T + 1 calendar day
HitPay
Card Balance
(Card payment method)
From T + 1 business day
(Final payout schedule determined by Compliance on a case-by-case basis)
Stripe/Adyen
We offer custom pricing for businesses processing a high volume of payments. Get in touch to explore tailored solutions for your business.
PayNow
0.65%
+ S$0.30 from S$100
Cards
2.8%
+ S$0.50
Custom rates
Flexible enterprise pricing, tailored to your business — ideal for high-volume merchants with complex or multi-market needs
Learn More ->
How HitPay Pricing Works
HitPay uses a pay-per-transaction pricing model. Businesses can start accepting payments without setup or subscription fees and only pay when a payment is successfully processed.
Fees vary depending on the payment method used. For example, domestic online card payments are 2.8% + S$0.50 per transaction, while international cards are 3.65% + S$0.50. Additional fees may apply for certain payment types or foreign currency transactions.
Compare: HitPay vs KPay · HitPay vs Qashier · Best POS system in Singapore
Blended (flat-rate) vs interchange++ card pricing: what’s the difference?
Blended (flat-rate) pricing charges one published rate per card payment, so you know the fee upfront. Interchange++ passes on the issuer’s interchange and the scheme fee at cost, plus a provider markup, so the rate varies by card. HitPay uses flat published rates: domestic cards cost 2.8% + S$0.50 online and 2.5% + S$0.50 in person, with no monthly fee.
| Blended (flat-rate) | Interchange++ | |
|---|---|---|
| How the fee is set | One published rate per payment type, whatever card the customer uses | Interchange (set by the card network, paid to the card issuer) + scheme fee (Visa, Mastercard) + the provider’s markup |
| Predictability | You know the fee before the sale | Changes with card type (debit or credit, local or overseas, premium), so you only know the fee afterwards |
| Statements | One line per payment | Three fee parts per payment to reconcile |
| Suits | Businesses that want simple, predictable costs and easy reconciliation | Businesses with time to read itemised statements and the volume to negotiate the markup |
| HitPay | Yes. Domestic cards 2.8% + S$0.50 online, 2.5% + S$0.50 in person (terminal or Tap to Pay). International cards 3.65% + S$0.50 online, 3.2% + S$0.50 in person. No setup or monthly fees | Not published. Businesses with more than S$50k average monthly volume (last 6 months) can request custom pricing |
Example: a S$100 in-person domestic card payment at 2.5% + S$0.50 costs S$3.00 in fees, and you receive S$97.00.
Singapore
Domestic
Online Payments
In-person Payments
Recurring Payments
Cross border
Online Payments
In-Person Payments
Recurring Payments
Finance
Virtual Account
BillPay
ADD-ons
Softwares
Payment Links
Invoice
HitPay Online Store
Point of Sale
Recurring Billing
Plugin Integrations
Shopify
Woocommerce
Wix
Xero
See more..
Refunds
Chargebacks
Fraud Monitoring & Dispute Management
Custom pricing
Payout schedule
pricing calculator
Terminals
Online Payments
Accept payments on your website, app, or via payment links
2.8% + S$0.50
3.65% + S$0.50
2% additional fees is charged on foreign currency transactions
0.65% + S$0.30
for transaction values of S$100 and above
0.9%
(min fee S$0.20)
for transaction values below S$100
3%
5.5%
5.5%
3.9% + S$0.20
1.5%
2%
In-person Payments
Includes HitPay card terminals and Tap to Pay
2.5% + S$0.50
3.2% + S$0.50
0.4%
(min fee S$0.10)
2.2%
1.8%
1.5%
5.5%
5%
Recurring Payments
Set up subscriptions and automatic billing
2.8% + S$0.50
3.65% + S$0.50
$2.25 + 0.65%
5.5%
3%
1.5%
Cross-Border Payments (Online)
Accept payments from international customers
Customers pay in their local familiar payment method
Lower fees compared to international cards. Reduce chargebacks and dispute risks
A 1% FX markup is applied at settlement when converting the payment back to SGD
Cross-Border Payments (In-Person)
Accept international tourist payments seamlessly with HitPay Borderless QR on HitPay POS
Automatic currency conversion at mid-market rates, with zero exchange rate markup for customers
Boost profit margins by 0.5%+ with fees lower than standard international card rates
A 1% FX markup is applied at settlement when converting the payment back to SGD
Cross-Border Payments (Recurring Payments)
Accept subscription payments from international customers
Improve retention with higher success rates vs international cards
Reduce failed payments, chargebacks, and manual follow-ups
A 1% FX markup is applied at settlement when converting the payment back to SGD
Virtual Account
Collect in local currency through an account number in your business name.
SGD
S$0.50
per collection
All other currencies
1%
FX fee
CNH, CAD, EUR, HKD, NZD, NOK, GBP, SEK, CHF and USD
BillPay
Pay supplier invoices from the HitPay account you already use, including from your HitPay balance. No monthly fee. International: no per-transfer or SWIFT fee, from 0.5% FX.
Local transfer
S$0.50
per transfer
PayNow or FAST
International transfer
From 0.5%
FX fee
150+ countries and territories, over local rails or SWIFT
Business Software
Additional fee on top of payment processing
Plugin Integrations
Additional fee when using these platforms
Wix Payments App
0.2%
Xero
0.2%
Magento
0.2%
Google Forms
0.2%
Prestashop
0.2%
Ecwid
0.2%
Opencart
0.2%
WHMCS
0.2%
Odoo
0.2%
Give WP
0.2%
Cal.com
0.2%
Bukku Accounting
0.2%
Example Transaction Fees
Below are example fee calculations based on the standard pricing shown above.
In-person domestic cards
Payment received
S$100.00
Processing fee
2.5% + S$0.50
Total fee
S$3.00
Merchant receives
S$97.00
In-person international cards
Payment received
S$100.00
Processing fee
3.2% + S$0.50
Total fee
S$3.70
Merchant receives
S$96.30
In-person PayNow
Payment received
S$100.00
Processing fee
0.4%
Total fee
S$0.40
Merchant receives
S$99.60
For a more precise breakdown of fees tailored to your business volume, please use our
Pricing Calculator
Refunds
There are no additional fees for processing refunds. The original transaction fees from the initial payment are non-refundable.
No additional processing fees for refunds
Chargebacks
When a chargeback is initiated, the full disputed amount, including the chargeback fee, is deducted from your balance. If the dispute is ruled successfully in your favour, the disputed amount and chargeback fee will be credited back to you.
Chargeback fee applies — see rates by market
Fraud Monitoring & Dispute Management
We handle chargeback management, fraud, and disputes at no extra cost to you. That means we absorb the costs of fraud monitoring, chargeback handling, and dispute resolution.
Fully covered at no extra cost
Custom Pricing
We offer custom pricing based on market thresholds. If you’re eligible, just fill in the request form and we’ll be in touch.
Request Custom Pricing
→
Singapore
Average monthly volume last 6 months
Greater than S$50k
Philippines
Average monthly volume last 6 months
Greater than 500k PHP
Malaysia
Average monthly volume last 6 months
Greater than 50k RM
All other countries
Average monthly volume last 6 months
Greater than 35k USD
Pay-Outs Schedule
HitPay pays out Singapore card payments, online and in person, from T+1 business day. Non-card payments such as PayNow reach your HitPay Balance on T+1 calendar day.
Balance Type
Payout Frequency
Payout Processed By
HitPay Balance
(Non-card payment method)
T + 1 calendar day
HitPay
Card Balance
(Card payment method)
From T + 1 business day
(Final payout schedule determined by Compliance on a case-by-case basis)
Stripe/Adyen
We offer custom pricing for businesses processing a high volume of payments. Get in touch to explore tailored solutions for your business.
Singapore
Paynow
0.65%
+ S$0.30 from S$100
Cards
2.8%
+ S$0.50
Custom rates
Flexible enterprise pricing, tailored to your business — ideal for high-volume merchants with complex or multi-market needs
How HitPay Pricing Works
HitPay uses a pay-per-transaction pricing model. Businesses can start accepting payments without setup or subscription fees and only pay when a payment is successfully processed.
Fees vary depending on the payment method used. For example, domestic online card payments are 2.8% + S$0.50 per transaction, while international cards are 3.65% + S$0.50. Additional fees may apply for certain payment types or foreign currency transactions.
Blended (flat-rate) vs interchange++ card pricing: what’s the difference?
Blended (flat-rate) pricing charges one published rate per card payment, so you know the fee upfront. Interchange++ passes on the issuer’s interchange and the scheme fee at cost, plus a provider markup, so the rate varies by card. HitPay uses flat published rates: domestic cards cost 2.8% + S$0.50 online and 2.5% + S$0.50 in person, with no monthly fee.
| Blended (flat-rate) | Interchange++ | |
|---|---|---|
| How the fee is set | One published rate per payment type, whatever card the customer uses | Interchange (set by the card network, paid to the card issuer) + scheme fee (Visa, Mastercard) + the provider’s markup |
| Predictability | You know the fee before the sale | Changes with card type (debit or credit, local or overseas, premium), so you only know the fee afterwards |
| Statements | One line per payment | Three fee parts per payment to reconcile |
| Suits | Businesses that want simple, predictable costs and easy reconciliation | Businesses with time to read itemised statements and the volume to negotiate the markup |
| HitPay | Yes. Domestic cards 2.8% + S$0.50 online, 2.5% + S$0.50 in person (terminal or Tap to Pay). International cards 3.65% + S$0.50 online, 3.2% + S$0.50 in person. No setup or monthly fees | Not published. Businesses with more than S$50k average monthly volume (last 6 months) can request custom pricing |
Example: a S$100 in-person domestic card payment at 2.5% + S$0.50 costs S$3.00 in fees, and you receive S$97.00.
Online Payments
Accept payments on your website, app, or via payment links
2.8% + S$0.50
3.65% + S$0.50
2% additional fees is charged on foreign currency transactions
0.65% + S$0.30
for transaction values of S$100 and above
0.9%
(min fee S$0.20)
for transaction values below S$100
3%
5.5%
5.5%
3.9% + S$0.20
1.5%
2%
In-Person Payments
Accept payments at your physical store with HitPay terminal
2.5% + S$0.50
3.2% + S$0.50
0.4%
(min fee S$0.10)
2.2%
1.8%
1.5%
5.5%
5%
Recurring Payments
Set up subscriptions and automatic billing
2.8% + S$0.50
3.65% + S$0.50
$2.25 + 0.65%
5.5%
3%
1.5%
Cross-Border Payments (Online)
Accept payments from international customers
Customers pay in their local familiar payment method
Lower fees compared to international cards. Reduce chargebacks and dispute risks
A 1% FX markup is applied at settlement when converting the payment back to SGD
Malaysia
MYR
2.3%
Malaysia
MYR
1.9%
Philippines
PHP
1% or ₱20
Whichever is higher
Philippines
PHP
2.3%
Philippines
PHP
1.5%
Thailand
THB
3.4%
Thailand
THB
2.5%
India
INR
2%
Korea
KRW
3.5%
China
SGD
1.5%
Vietnam
VND
3.35%
Vietnam
VND
3.35%
Cross-Border Payments (In-Person)
Accept international tourist payments seamlessly with HitPay Borderless QR on HitPay POS
Automatic currency conversion at mid-market rates, with zero exchange rate markup for customers
Boost profit margins by 0.5%+ with fees lower than standard international card rates
A 1% FX markup is applied at settlement when converting the payment back to SGD
Malaysia
MYR
1.5%
Philippines
PHP
1.5%
Philippines
PHP
1.5%
Thailand
THB
3.4%
Thailand
THB
1.5%
India
INR
1.5%
China
SGD
1.5%
Vietnam
VND
3.35%
Vietnam
VND
3.35%
Cross-Border Payments (Recurring Payments)
Accept subscription payments from international customers
Improve retention with higher success rates vs international cards
Reduce failed payments, chargebacks, and manual follow-ups
A 1% FX markup is applied at settlement when converting the payment back to SGD
Virtual Account
Collect in local currency through an account number in your business name.
SGD
S$0.50
per collection
All other currencies
1%
FX fee
CNH, CAD, EUR, HKD, NZD, NOK, GBP, SEK, CHF and USD
BillPay
Pay supplier invoices from the HitPay account you already use, including from your HitPay balance. No monthly fee. International: no per-transfer or SWIFT fee, from 0.5% FX.
Local transfer
S$0.50
per transfer
PayNow or FAST
International transfer
From 0.5%
FX fee
150+ countries and territories, over local rails or SWIFT
Business Software
Additional fee on top of payment processing
Plugin Integrations
Additional fee when using these platforms
Wix Payments App
0.2%
Xero
0.2%
Magento
0.2%
Google Forms
0.2%
Prestashop
0.2%
Ecwid
0.2%
Opencart
0.2%
WHMCS
0.2%
Odoo
0.2%
Give WP
0.2%
Cal.com
0.2%
Bukku Accounting
0.2%
Example Transaction Fees
Below are example fee calculations based on the standard pricing shown above.
In-person domestic cards
Payment received
S$100.00
Processing fee
2.5% + S$0.50
Total fee
S$3.00
Merchant receives
S$97.00
In-person international cards
Payment received
S$100.00
Processing fee
3.2% + S$0.50
Total fee
S$3.70
Merchant receives
S$96.30
In-person PayNow
Payment received
S$100.00
Processing fee
0.4%
Total fee
S$0.40
Merchant receives
S$99.60
For a more precise breakdown of fees tailored to your business volume, please use our
Pricing Calculator
Refunds
No additional processing fees for refunds
There are no additional fees for processing refunds. The original transaction fees from the initial payment are non-refundable.
Chargebacks
Chargeback fee applies — see rates by market
When a chargeback is initiated, the full disputed amount, including the chargeback fee, is deducted from your balance. If the dispute is ruled successfully in your favour, the disputed amount and chargeback fee will be credited back to you.
Fraud Monitoring & Dispute Management
Fully covered at no extra cost
We handle chargeback management, fraud, and disputes at no extra cost to you. That means we absorb the costs of fraud monitoring, chargeback handling, and dispute resolution.
Custom Pricing
We offer custom pricing based on market thresholds. If you’re eligible, just fill in the request form and we’ll be in touch.
Singapore
Average monthly volume last 6 months
Greater than S$50k
Philippines
Average monthly volume last 6 months
Greater than 500k PHP
Malaysia
Average monthly volume last 6 months
Greater than 50k RM
All other countries
Average monthly volume last 6 months
Greater than 35k USD
Pay-Outs Schedule
HitPay pays out Singapore card payments, online and in person, from T+1 business day. Non-card payments such as PayNow reach your HitPay Balance on T+1 calendar day.
HitPay Balance
(Non-card payment method)
Payout frequency
T + 1 calendar day
Payout Processed By
HitPay
Card Balance
(Card payment method)
Payout frequency
T+1 business day
(Final payout schedule determined by Compliance on a case-by-case basis)
Payout Processed By
HitPay
We offer custom pricing for businesses processing a high volume of payments. Get in touch to explore tailored solutions for your business.
Pricing Calculator
Compare: HitPay vs KPay · HitPay vs Qashier · Best POS system in Singapore
Domestic
Online Payments
In-person Payments
Recurring Payments
Cross border
Online Payments
In-person Payments
Recurring Payments
Finance
Virtual Account
BillPay
ADD-ons
Softwares
Plugin Integrations
Refunds
Chargebacks
Fraud Monitoring & Dispute Management
Custom pricing
Payout schedule
Pricing Calculator
Terminals
Choose country
Singapore
Malaysia
Philippines
Global
Navigate to
Current:
Online Payments
Singapore
Paynow
0.65%
+ S$0.30 from S$100
Cards
2.8%
+ S$0.50
Custom rates
Flexible enterprise pricing, tailored to your business — ideal for high-volume merchants with complex or multi-market needs
How HitPay Pricing Works
HitPay uses a pay-per-transaction pricing model. Businesses can start accepting payments without setup or subscription fees and only pay when a payment is successfully processed.
Fees vary depending on the payment method used. For example, domestic online card payments are 2.8% + S$0.50 per transaction, while international cards are 3.65% + S$0.50. Additional fees may apply for certain payment types or foreign currency transactions.
Blended (flat-rate) vs interchange++ card pricing: what’s the difference?
Blended (flat-rate) pricing charges one published rate per card payment, so you know the fee upfront. Interchange++ passes on the issuer’s interchange and the scheme fee at cost, plus a provider markup, so the rate varies by card. HitPay uses flat published rates: domestic cards cost 2.8% + S$0.50 online and 2.5% + S$0.50 in person, with no monthly fee.
| Blended (flat-rate) | Interchange++ | |
|---|---|---|
| How the fee is set | One published rate per payment type, whatever card the customer uses | Interchange (set by the card network, paid to the card issuer) + scheme fee (Visa, Mastercard) + the provider’s markup |
| Predictability | You know the fee before the sale | Changes with card type (debit or credit, local or overseas, premium), so you only know the fee afterwards |
| Statements | One line per payment | Three fee parts per payment to reconcile |
| Suits | Businesses that want simple, predictable costs and easy reconciliation | Businesses with time to read itemised statements and the volume to negotiate the markup |
| HitPay | Yes. Domestic cards 2.8% + S$0.50 online, 2.5% + S$0.50 in person (terminal or Tap to Pay). International cards 3.65% + S$0.50 online, 3.2% + S$0.50 in person. No setup or monthly fees | Not published. Businesses with more than S$50k average monthly volume (last 6 months) can request custom pricing |
Example: a S$100 in-person domestic card payment at 2.5% + S$0.50 costs S$3.00 in fees, and you receive S$97.00.
Online Payments
Accept payments on your website, app, or via payment links
2.8% + S$0.50
3.65% + S$0.50
2% additional fees is charged on foreign currency transactions
0.65% + S$0.30
for transaction values of S$100 and above
0.9%
(min fee S$0.20)
for transaction values below S$100
3%
5.5%
5.5%
3.9% + S$0.20
1.5%
2%
In-Person Payments
Accept payments at your physical store with HitPay terminal
2.5% + S$0.50
3.2% + S$0.50
0.4%
(min fee S$0.10)
2.2%
1.8%
1.5%
5.5%
5%
Recurring Payments
Set up subscriptions and automatic billing
2.8% + S$0.50
3.65% + S$0.50
$2.25 + 0.65%
5.5%
3%
1.5%
Cross-Border Payments (Online)
Accept payments from international customers
Customers pay in their local familiar payment method
Lower fees compared to international cards. Reduce chargebacks and dispute risks
A 1% FX markup is applied at settlement when converting the payment back to SGD
Malaysia
MYR
2.3%
Malaysia
MYR
1.9%
Philippines
PHP
1% or ₱20
Whichever is higher
Philippines
PHP
2.3%
Philippines
PHP
1.5%
Thailand
THB
3.4%
Thailand
THB
2.5%
India
INR
2%
Korea
KRW
3.5%
China
SGD
1.5%
Vietnam
VND
3.35%
Vietnam
VND
3.35%
Cross-Border Payments (In-Person)
Accept international tourist payments seamlessly with HitPay Borderless QR on HitPay POS
Automatic currency conversion at mid-market rates, with zero exchange rate markup for customers
Boost profit margins by 0.5%+ with fees lower than standard international card rates
A 1% FX markup is applied at settlement when converting the payment back to SGD
Malaysia
MYR
1.5%
Philippines
PHP
1.5%
Philippines
PHP
1.5%
Thailand
THB
3.4%
Thailand
THB
1.5%
India
INR
1.5%
China
SGD
1.5%
Vietnam
VND
3.35%
Vietnam
VND
3.35%
Cross-Border Payments (Recurring Payments)
Accept subscription payments from international customers
Improve retention with higher success rates vs international cards
Reduce failed payments, chargebacks, and manual follow-ups
A 1% FX markup is applied at settlement when converting the payment back to SGD
Virtual Account
Collect in local currency through an account number in your business name.
SGD
S$0.50
per collection
All other currencies
1%
FX fee
CNH, CAD, EUR, HKD, NZD, NOK, GBP, SEK, CHF and USD
BillPay
Pay supplier invoices from the HitPay account you already use, including from your HitPay balance. No monthly fee. International: no per-transfer or SWIFT fee, from 0.5% FX.
Local transfer
S$0.50
per transfer
PayNow or FAST
International transfer
From 0.5%
FX fee
150+ countries and territories, over local rails or SWIFT
Business Software
Additional fee on top of payment processing
Plugin Integrations
Additional fee when using these platforms
Wix Payments App
0.2%
Xero
0.2%
Magento
0.2%
Google Forms
0.2%
Prestashop
0.2%
Ecwid
0.2%
Opencart
0.2%
WHMCS
0.2%
Odoo
0.2%
Give WP
0.2%
Cal.com
0.2%
Bukku Accounting
0.2%
Example Transaction Fees
Below are example fee calculations based on the standard pricing shown above.
In-person domestic cards
Payment received
S$100.00
Processing fee
2.5% + S$0.50
Total fee
S$3.00
Merchant receives
S$97.00
In-person international cards
Payment received
S$100.00
Processing fee
3.2% + S$0.50
Total fee
S$3.70
Merchant receives
S$96.30
In-person PayNow
Payment received
S$100.00
Processing fee
0.4%
Total fee
S$0.40
Merchant receives
S$99.60
For a more precise breakdown of fees tailored to your business volume, please use our
Pricing Calculator
Refunds
No additional processing fees for refunds
There are no additional fees for processing refunds. The original transaction fees from the initial payment are non-refundable.
Chargebacks
Chargeback fee applies — see rates by market
When a chargeback is initiated, the full disputed amount, including the chargeback fee, is deducted from your balance. If the dispute is ruled successfully in your favour, the disputed amount and chargeback fee will be credited back to you.
Fraud Monitoring & Dispute Management
Fully covered at no extra cost
We handle chargeback management, fraud, and disputes at no extra cost to you. That means we absorb the costs of fraud monitoring, chargeback handling, and dispute resolution.
Custom Pricing
We offer custom pricing based on market thresholds. If you’re eligible, just fill in the request form and we’ll be in touch.
Singapore
Average monthly volume last 6 months
Greater than S$50k
Philippines
Average monthly volume last 6 months
Greater than 500k PHP
Malaysia
Average monthly volume last 6 months
Greater than 50k RM
All other countries
Average monthly volume last 6 months
Greater than 35k USD
Pay-Outs Schedule
HitPay pays out Singapore card payments, online and in person, from T+1 business day. Non-card payments such as PayNow reach your HitPay Balance on T+1 calendar day.
HitPay Balance
(Non-card payment method)
Payout frequency
T + 1 calendar day
Payout Processed By
HitPay
Card Balance
(Card payment method)
Payout frequency
T+1 business day
(Final payout schedule determined by Compliance on a case-by-case basis)
Payout Processed By
HitPay
We offer custom pricing for businesses processing a high volume of payments. Get in touch to explore tailored solutions for your business.
Pricing Calculator
Compare: HitPay vs KPay · HitPay vs Qashier · Best POS system in Singapore
Domestic
Online Payments
In-person Payments
Recurring Payments
Cross border
Online Payments
In-person Payments
Recurring Payments
Finance
Virtual Account
BillPay
ADD-ons
Softwares
Plugin Integrations
Refunds
Chargebacks
Fraud Monitoring & Dispute Management
Custom pricing
Payout schedule
Pricing Calculator
Terminals
Choose country
Singapore
Malaysia
Philippines
Global
Navigate to
Current:
Online Payments
Singapore
Paynow
0.65%
+ S$0.30 from S$100
Cards
2.8%
+ S$0.50
Custom rates
Flexible enterprise pricing, tailored to your business — ideal for high-volume merchants with complex or multi-market needs
How HitPay Pricing Works
HitPay uses a pay-per-transaction pricing model. Businesses can start accepting payments without setup or subscription fees and only pay when a payment is successfully processed.
Fees vary depending on the payment method used. For example, domestic online card payments are 2.8% + S$0.50 per transaction, while international cards are 3.65% + S$0.50. Additional fees may apply for certain payment types or foreign currency transactions.
Blended (flat-rate) vs interchange++ card pricing: what’s the difference?
Blended (flat-rate) pricing charges one published rate per card payment, so you know the fee upfront. Interchange++ passes on the issuer’s interchange and the scheme fee at cost, plus a provider markup, so the rate varies by card. HitPay uses flat published rates: domestic cards cost 2.8% + S$0.50 online and 2.5% + S$0.50 in person, with no monthly fee.
| Blended (flat-rate) | Interchange++ | |
|---|---|---|
| How the fee is set | One published rate per payment type, whatever card the customer uses | Interchange (set by the card network, paid to the card issuer) + scheme fee (Visa, Mastercard) + the provider’s markup |
| Predictability | You know the fee before the sale | Changes with card type (debit or credit, local or overseas, premium), so you only know the fee afterwards |
| Statements | One line per payment | Three fee parts per payment to reconcile |
| Suits | Businesses that want simple, predictable costs and easy reconciliation | Businesses with time to read itemised statements and the volume to negotiate the markup |
| HitPay | Yes. Domestic cards 2.8% + S$0.50 online, 2.5% + S$0.50 in person (terminal or Tap to Pay). International cards 3.65% + S$0.50 online, 3.2% + S$0.50 in person. No setup or monthly fees | Not published. Businesses with more than S$50k average monthly volume (last 6 months) can request custom pricing |
Example: a S$100 in-person domestic card payment at 2.5% + S$0.50 costs S$3.00 in fees, and you receive S$97.00.
Online Payments
Accept payments on your website, app, or via payment links
2.8% + S$0.50
3.65% + S$0.50
2% additional fees is charged on foreign currency transactions
0.65% + S$0.30
for transaction values of S$100 and above
0.9%
(min fee S$0.20)
for transaction values below S$100
3%
5.5%
5.5%
3.9% + S$0.20
1.5%
2%
In-Person Payments
Accept payments at your physical store with HitPay terminal
2.5% + S$0.50
3.2% + S$0.50
0.4%
(min fee S$0.10)
2.2%
1.8%
1.5%
5.5%
5%
Recurring Payments
Set up subscriptions and automatic billing
2.8% + S$0.50
3.65% + S$0.50
$2.25 + 0.65%
5.5%
3%
1.5%
Cross-Border Payments (Online)
Accept payments from international customers
Customers pay in their local familiar payment method
Lower fees compared to international cards. Reduce chargebacks and dispute risks
A 1% FX markup is applied at settlement when converting the payment back to SGD
Malaysia
MYR
2.3%
Malaysia
MYR
1.9%
Philippines
PHP
1% or ₱20
Whichever is higher
Philippines
PHP
2.3%
Philippines
PHP
1.5%
Thailand
THB
3.4%
Thailand
THB
2.5%
India
INR
2%
Korea
KRW
3.5%
China
SGD
1.5%
Vietnam
VND
3.35%
Vietnam
VND
3.35%
Cross-Border Payments (In-Person)
Accept international tourist payments seamlessly with HitPay Borderless QR on HitPay POS
Automatic currency conversion at mid-market rates, with zero exchange rate markup for customers
Boost profit margins by 0.5%+ with fees lower than standard international card rates
A 1% FX markup is applied at settlement when converting the payment back to SGD
Malaysia
MYR
1.5%
Philippines
PHP
1.5%
Philippines
PHP
1.5%
Thailand
THB
3.4%
Thailand
THB
1.5%
India
INR
1.5%
China
SGD
1.5%
Vietnam
VND
3.35%
Vietnam
VND
3.35%
Cross-Border Payments (Recurring Payments)
Accept subscription payments from international customers
Improve retention with higher success rates vs international cards
Reduce failed payments, chargebacks, and manual follow-ups
A 1% FX markup is applied at settlement when converting the payment back to SGD
Virtual Account
Collect in local currency through an account number in your business name.
SGD
S$0.50
per collection
All other currencies
1%
FX fee
CNH, CAD, EUR, HKD, NZD, NOK, GBP, SEK, CHF and USD
BillPay
Pay supplier invoices from the HitPay account you already use, including from your HitPay balance. No monthly fee. International: no per-transfer or SWIFT fee, from 0.5% FX.
Local transfer
S$0.50
per transfer
PayNow or FAST
International transfer
From 0.5%
FX fee
150+ countries and territories, over local rails or SWIFT
Business Software
Additional fee on top of payment processing
Plugin Integrations
Additional fee when using these platforms
Wix Payments App
0.2%
Xero
0.2%
Magento
0.2%
Google Forms
0.2%
Prestashop
0.2%
Ecwid
0.2%
Opencart
0.2%
WHMCS
0.2%
Odoo
0.2%
Give WP
0.2%
Cal.com
0.2%
Bukku Accounting
0.2%
Example Transaction Fees
Below are example fee calculations based on the standard pricing shown above.
In-person domestic cards
Payment received
S$100.00
Processing fee
2.5% + S$0.50
Total fee
S$3.00
Merchant receives
S$97.00
In-person international cards
Payment received
S$100.00
Processing fee
3.2% + S$0.50
Total fee
S$3.70
Merchant receives
S$96.30
In-person PayNow
Payment received
S$100.00
Processing fee
0.4%
Total fee
S$0.40
Merchant receives
S$99.60
For a more precise breakdown of fees tailored to your business volume, please use our
Pricing Calculator
Refunds
No additional processing fees for refunds
There are no additional fees for processing refunds. The original transaction fees from the initial payment are non-refundable.
Chargebacks
Chargeback fee applies — see rates by market
When a chargeback is initiated, the full disputed amount, including the chargeback fee, is deducted from your balance. If the dispute is ruled successfully in your favour, the disputed amount and chargeback fee will be credited back to you.
Fraud Monitoring & Dispute Management
Fully covered at no extra cost
We handle chargeback management, fraud, and disputes at no extra cost to you. That means we absorb the costs of fraud monitoring, chargeback handling, and dispute resolution.
Custom Pricing
We offer custom pricing based on market thresholds. If you’re eligible, just fill in the request form and we’ll be in touch.
Singapore
Average monthly volume last 6 months
Greater than S$50k
Philippines
Average monthly volume last 6 months
Greater than 500k PHP
Malaysia
Average monthly volume last 6 months
Greater than 50k RM
All other countries
Average monthly volume last 6 months
Greater than 35k USD
Pay-Outs Schedule
HitPay pays out Singapore card payments, online and in person, from T+1 business day. Non-card payments such as PayNow reach your HitPay Balance on T+1 calendar day.
HitPay Balance
(Non-card payment method)
Payout frequency
T + 1 calendar day
Payout Processed By
HitPay
Card Balance
(Card payment method)
Payout frequency
T+1 business day
(Final payout schedule determined by Compliance on a case-by-case basis)
Payout Processed By
HitPay
We offer custom pricing for businesses processing a high volume of payments. Get in touch to explore tailored solutions for your business.
Pricing Calculator
Compare: HitPay vs KPay · HitPay vs Qashier · Best POS system in Singapore
Domestic
Online Payments
In-person Payments
Recurring Payments
Cross border
Online Payments
In-person Payments
Recurring Payments
Finance
Virtual Account
BillPay
ADD-ons
Softwares
Plugin Integrations
Refunds
Chargebacks
Fraud Monitoring & Dispute Management
Custom pricing
Payout schedule
Pricing Calculator
Terminals
Choose country
Singapore
Malaysia
Philippines
Global
Navigate to
Current:
Online Payments
REFER AND EARN
Know a business that should be on HitPay? Earn 0.1% of what they process.
Know a business that should be on HitPay? Earn 0.1% of what they process.
Know a business that should be on HitPay? Earn 0.1% of what they process.
Already on HitPay? Share your referral link from the Refer and Earn tab in your dashboard. When a business signs up with your link and starts taking payments, you earn 0.1% of their monthly volume on all payments (online, in-person and recurring), paid on the 1st of every month to your linked bank account. HitPay is MAS licensed.
Already on HitPay? Share your referral link from the Refer and Earn tab in your dashboard. When a business signs up with your link and starts taking payments, you earn 0.1% of their monthly volume on all payments (online, in-person and recurring), paid on the 1st of every month to your linked bank account. HitPay is MAS licensed.
Already on HitPay? Share your referral link from the Refer and Earn tab in your dashboard. When a business signs up with your link and starts taking payments, you earn 0.1% of their monthly volume on all payments (online, in-person and recurring), paid on the 1st of every month to your linked bank account. HitPay is MAS licensed.
Find your link
Find your link
Log in to your HitPay dashboard and click Refer and Earn in the left menu. Your unique referral link is there, ready to copy. No application required.
Share with anyone
Share with anyone
Send it to a friend, supplier, fellow entrepreneur, or anyone you know who runs a business. They register using your link - that’s all it takes.
Earn every month
Once they go live, you earn 0.1% of their monthly volume on all payments, paid to your linked bank account on the 1st of every month.
HitPay Terminals
HitPay Terminals
HitPay Terminals
Set up a free HitPay account, order your terminal and start selling within the week.
Set up a free HitPay account,
order your terminal and start selling within the week.
Set up a free HitPay account, order your terminal and start selling within the week.
Singapore
Tap to Pay
Free
Built-in NFC
Tap to Pay / PayWave
QR code
Supported on iOS and Android
Learn more
HitPay All-in-One
SGD 500
Wifi and Ethernet connection
Tap and Pay, PayWave, Insert and swipe card
QR code payments on device
In-built receipt printer and camera barcode reader
Learn more
Order
Singapore
Tap to Pay
Free
Built-in NFC
Tap to Pay / PayWave
QR code
Supported on iOS and Android
Learn more
HitPay All-in-One
SGD 500
Wifi and Ethernet connection
Tap and Pay, PayWave, Insert and swipe card
QR code payments on device
In-built receipt printer and camera barcode reader
Learn more
Order
Explore payment methods & products
Explore payment methods & products
Explore payment methods & products
Online payment methods
Frequently Asked Questions
Frequently Asked Questions
Does HitPay charge a monthly fee?
No. HitPay uses a pay-per-transaction pricing model with no setup fees or subscription fees. Businesses only pay transaction fees when payments are successfully processed.
How much does HitPay charge for card payments in Singapore?
For online payments in Singapore, HitPay charges 2.8% + S$0.50 per transaction for domestic cards and 3.65% + S$0.50 for international cards. To see how these rates stack up, compare HitPay and Airwallex.
Are there additional fees for foreign currency transactions?
Yes. Foreign currency card transactions carry an additional 2% on top of the card rate. Cross-border payments, where the customer pays with their own local method, instead carry a 1% FX markup applied at settlement when the payment is converted back to SGD. Both are published in the tables on this page.
How are fees calculated for smaller transactions?
For certain payment methods, transactions below S$100 may be charged 0.9% with a minimum fee of S$0.20, while transactions above S$100 may be charged 0.65% + S$0.30 depending on the payment method used.
How much is online PayNow on HitPay?
Online PayNow is 0.65% + S$0.30 on transactions of S$100 and above, and 0.9% with a minimum of S$0.20 below S$100.
How much is in-person PayNow?
In-person PayNow is 0.4%, with a minimum of S$0.10 per transaction.
What are in-person card fees in Singapore?
In-person domestic cards are 2.5% + S$0.50 and international cards 3.2% + S$0.50, on terminals and on Tap to Pay alike.
When do non-card payouts arrive?
Non-card payouts reach your HitPay Balance on T + 1 calendar day. Card balance payouts start from T + 1 business day.
How much is Tap to Pay or a card terminal?
Tap to Pay is free and runs on a supported phone. Terminals are bought once: SoundBox SGD 30, WisePad 3 SGD 85, FlexiPOS SGD 500, HitPay All-in-One SGD 500. There is no monthly rental.
How much do I earn for referring a business?
0.1% of their monthly transaction volume, every month they keep processing on HitPay. Find your link on Refer and Earn.
Which payments count?
All of them: online, in-person (POS and terminal) and recurring payments.
When do I get paid?
On the 1st of each month, for the previous month's volume. Commission is paid to your linked bank account.
Who can refer?
Any active HitPay merchant in Singapore, Malaysia or the Philippines. Your referral link is already in your dashboard, under Refer and Earn. Agencies, developers and consultants can join the partner programme.
My referral signed up without my link. Can I still get credit?
No. The referral has to be made before the business signs up, using your referral link. It can't be added after signup.
Does HitPay charge interchange++?
No. HitPay publishes flat rates for each payment type. Domestic cards are 2.8% + S$0.50 online and 2.5% + S$0.50 in person, on a terminal or Tap to Pay. Businesses with more than S$50k average monthly volume over the last 6 months can request custom pricing.
Is blended or interchange++ cheaper for a small business?
It depends on which cards your customers use, so there’s no single answer. Interchange++ costs move with every card, while blended rates stay the same. With HitPay, you pay only when a payment succeeds, with no setup or monthly fees, and refunds carry no extra processing fee.
What do I pay when a tourist pays by card?
International cards are 3.65% + S$0.50 online and 3.2% + S$0.50 in person. If the card’s billing currency differs from the charge currency, a further 2% applies on top of the card rate.
Can I get lower card rates on HitPay?
Yes, if you qualify. HitPay offers custom pricing to Singapore businesses with more than S$50k average monthly volume over the last 6 months. Request it from the Custom Pricing section of the pricing page. Card payouts start from T+1 business day.
When do card payouts arrive in Singapore?
Card payouts, online and in person (terminals and Tap to Pay), start from T+1 business day. Non-card payouts, such as PayNow, reach your HitPay Balance on T+1 calendar day.
Still have questions?
Contact our team.
Ready to start with transparent pricing?
Accept payments with pay-per-transaction pricing, no setup fees, no subscriptions, and no hidden charges.
Ready to start with transparent pricing?
Accept payments with pay-per-transaction pricing, no setup fees, no subscriptions, and no hidden charges.
Ready to start with transparent pricing?
Accept payments with pay-per-transaction pricing, no setup fees, no subscriptions, and no hidden charges.
Ready to start with transparent pricing?
Accept payments with pay-per-transaction pricing, no setup fees, no subscriptions, and no hidden charges.
Ready to start with transparent pricing?
Accept payments with pay-per-transaction pricing, no setup fees, no subscriptions, and no hidden charges.