HitPay vs. Adyen: Which Payment Gateway Best Integrates with WooCommerce in Singapore?

Launching (or scaling) a WooCommerce store is exciting—until you reach the checkout settings. That last step decides how quickly you get paid, how much you pay in fees, and whether customers trust your brand enough to hit “Place order.”
In Singapore, where PayNow QR codes and e-wallets sit right next to Visa and Mastercard, choosing a gateway that speaks the local language of payments is critical.

Below, we compare two payment providers:

• HitPay—a Singapore-based platform designed for SMEs, with instant PayNow support and no monthly minimums.

• Adyen—an international processor that lets larger brands accept more than 150 currencies through one account.

Read on for the full breakdown (or skim the quick summary first).

TL;DR

Most WooCommerce stores in Singapore will go live faster and spend less with HitPay. It installs in minutes, supports PayNow out of the box, and has no monthly minimums. Adyen shines for large, multi-region brands that need one account to accept 150+ currencies.

At a Glance

Why Your WooCommerce Store Needs a Singapore-Ready Gateway

Checkout isn’t just a final step—it’s the moment shoppers decide to trust your store.

• Speed matters. WooCommerce sites should handle “4 → 1,000 concurrent users over 40 minutes” without hiccups to protect revenue [WP Hosting Benchmarks]. A slow redirect to an overseas page can kill the sale.

• Local habits rule. Most shoppers in Singapore will happily scan a PayNow QR code. HitPay keeps them on-site; Adyen often opens a hosted page before local options appear.

• Plugin weight counts. Bloated scripts slow pages and push 40 % of buyers to abandon the cart [New Target]. Lightweight, SEA-focused extensions help you keep that money.

Integration Experience

HitPay: Plug-and-Play

1. Install the free WooCommerce extension from the WordPress marketplace.

2. Sandbox payments first; flip the switch to live when you’re ready—no API keys needed until real transactions start.

3. PayNow QR and card buttons auto-appear at checkout.

Adyen: Built for Enterprises

• The plugin lets you “leverage the full power of Adyen’s platform” [Adyen]—great if you have developers.

• Webhooks, risk rules, and local-acquiring settings add hours (sometimes days) of configuration.

• “A steep technical curve… can make it a poor choice for new businesses” [Merchant Maverick].

Subscriptions

• HitPay offers recurring billing in the same dashboard at no extra cost.

• Adyen needs the separate WooCommerce Subscriptions extension.

Payment Methods and Localisation

HitPay: Designed for Singapore

• Native PayNow, SGQR, UPI QR, GrabPay, and BNPL (Atome, GrabPay Later) toggle on with one click.

• Local acquiring often means lower rates for methods like GrabPay.

Adyen: Go-Anywhere Coverage

• Accepts “all key local payment methods, including major cards and wallets like Apple Pay and WeChat Pay” [Adyen].

• Great for cross-border sales, but loads extra scripts your Singapore-only store may never use.

Smart Checkout Displays

• Adyen shows payment options based on the shopper’s country [Woosa].

• HitPay detects IPs and pushes SGQR first; you choose which methods appear in plugin settings.

Pricing & Total Cost of Ownership

HitPay: No setup or monthly fees. Account approval usually takes minutes.

Adyen: A “€0.11 per-transaction” processing fee looks low until scheme and FX costs stack up. Minimum invoicing applies, so smaller volumes pay more.

Compliance, Risk & Fraud

• Licensing. HitPay holds a MAS Major Payment Institution licence. Adyen is supervised by the Dutch Central Bank.

• Fraud tools. Adyen’s AI-driven risk engine is world-class. HitPay bakes in MAS-approved filters tuned for PayNow data—perfect for SME volumes.

• Data residency. HitPay stores payment data on PCI-DSS servers in Singapore. Adyen’s vaults live in the EU and US.

  
  

Dashboard & Reporting

Support & Onboarding

• HitPay: Self-service KYC in < 10 minutes, live chat on Singapore hours.

• Adyen: Email tickets unless you buy a support plan; plugin support replies in “2 hours” [Woosa].

• Docs. Adyen’s portal is deep but assumes coding skills. HitPay’s guides include copy-paste PHP and Python snippets.

Extra Tools to Grow With

• HitPay: Payment links, POS app, online store builder, invoicing, and recurring billing—no extra plugins.

• Adyen: Marketplace split-payouts, kiosk terminals, and global acquiring that powers brands like Microsoft. Great for enterprises; overkill for most WooCommerce SMEs.

• Speed tip: Add a caching plugin like WP Rocket to keep any gateway script fast [New Target].

  
  

Verdict

Choose HitPay if you:

• Run a Singapore SME or startup.

• Need PayNow QR, GrabPay, or BNPL on day one.

• Prefer clear, no-minimum pricing.

• Want to go live without a developer.

Choose Adyen if you:

• Sell across multiple regions with high monthly GMV.

• Need one settlement account for 150+ currencies.

• Have engineers for advanced risk checks and analytics.

• Value extras like marketplace payouts or global gift cards.

Hybrid Approach

Many brands run Adyen for overseas cards and HitPay for PayNow at home. WooCommerce lets you enable both gateways and route shoppers by location.

Frequently Asked Questions (FAQ)

Can I run HitPay and Adyen together?
Yes. Enable both plugins and use geolocation to show HitPay to SGD shoppers and Adyen to others.

Does HitPay support subscriptions?
Yes, built-in. Adyen requires the WooCommerce Subscriptions extension.

Which pays out faster to a Singapore bank?
HitPay’s PayNow funds usually arrive the next business day. Adyen card payouts take 2–4 business days.

Why not just use WooCommerce Payments (Stripe)?
WooCommerce Payments is “a white-label integration of Stripe” [Merchant Maverick]. It lacks PayNow and local BNPL, so HitPay remains stronger for Singapore stores.

Final Thoughts

Choosing a payment gateway is about fit, not feature count. Adyen delivers unmatched global reach—but at the cost of complexity and minimum volumes. HitPay focuses on Singapore speed, MAS compliance, and SME-friendly onboarding. Test both, measure checkout speed and conversion, and pick the mix that lets your customers pay the way they want while keeping your operations simple.

FAQ Section

What are the main advantages of using HitPay with WooCommerce?
HitPay offers quick setup, native support for 700+ local payment methods like PayNow QR, cards, e-wallets like GrabPay, and BNPL including SPayLater, Atome, and Grab PayLater. HitPay also offers clear pay-as-you-go pricing with no setup fees, making it an excellent choice for Singapore-based SMEs.

How does Adyen benefit international WooCommerce merchants?
Adyen provides support for over 150 currencies and extensive payment options, making it advantageous for multinational enterprises needing complex payment solutions.

Can HitPay and Adyen be used together in WooCommerce?
Yes, WooCommerce allows multiple payment gateways to be enabled simultaneously, permitting the use of HitPay for local and Adyen for international transactions.

What licensing and compliance advantages does HitPay offer?
HitPay is licensed as a Major Payment Institution under Singapore's MAS.

Does Adyen support recurring billing in WooCommerce?
Adyen supports subscriptions via WooCommerce Subscriptions but requires additional extensions, while HitPay offers built-in subscription features with one account.

Citations

• https://www.merchantmaverick.com/reviews/adyen-review/

• https://www.webimp.com.sg/e-commerce/which-e-commerce-payment-gateway-in-singapore-and-why/

• https://wphostingbenchmarks.com/benchmark/2023-woocommerce/

• https://newtarget.com/web-insights-blog/woocommerce-performance-optimization/

• https://www.adyen.com/en_SG/partners/woocommerce

• https://www.woosa.com/woocommerce-payment-provider-plugin/adyen/

• https://choco-up.com/blog/payment-gateways-in-singapore

• https://www.merchantmaverick.com/what-is-woo-commerce-payments/