9 Best Payment Gateways in Singapore (October 2026)

Best for: most Singapore small businesses that want PayNow at the lowest published rate.

HitPay is a Singapore payment company, licensed by MAS as a Major Payment Institution since 2024. PayNow costs 0.65% + S$0.30 on payments from S$100 and 0.9% below that (minimum S$0.20), Singapore cards 2.8% + S$0.50, overseas cards 3.65% + S$0.50, and GrabPay and ShopeePay 3% each. There's no setup or monthly fee, and PayNow money reaches your HitPay balance the next calendar day.

The catch: its plugins add their own fee: 0.5% on Shopify, 0.2% on WooCommerce and Wix. On Shopify, Shopify adds its third-party fee as well, so there I'd use HitPay for PayNow only. The sums are in my guide to adding PayNow to Shopify.

Fees: hitpayapp.com/pricing

Best for: custom-built sites, businesses that bill card customers on subscription, and anyone whose developer already knows Stripe.

Stripe takes PayNow at 1.3% with no fixed fee and Singapore cards at 3.4% + S$0.50, with 0.5% more for overseas cards and 2% more where it converts currency, per Stripe's Singapore pricing. PayNow works in Stripe Checkout, Payment Links, invoices and the Payment Element on your own site, and the money is in your Stripe balance a day later. Its developer tools are the best on this list, which matters when someone builds your checkout from scratch.

The catch: PayNow on Stripe can't be used for recurring billing, Shopify won't let Singapore stores add Stripe at all, and the official WooCommerce Stripe plugin doesn't list PayNow on its plugin page. My Stripe PayNow guide has the set-up.

Best for: cards, Apple Pay and Google Pay on a Shopify store.

Shopify Payments is Shopify's own gateway, built on Stripe, and it's the only way to avoid Shopify's third-party transaction fee. Online payments with Singapore cards cost 3.2% + S$0.50 on Basic, 3.1% on Grow and 3% on Advanced, and it takes Visa, Mastercard, Amex, UnionPay, Apple Pay, Google Pay and Shop Pay. GrabPay is in early access.

The catch: no PayNow. Most Singapore Shopify stores pair it with HitPay or Airwallex for PayNow, or with a manual PayNow method they check by hand.

Best for: businesses that sell overseas and hold money in several currencies.

Airwallex is best known for multi-currency business accounts, and its online payments carry PayNow, including through its Shopify and WooCommerce plugins. Its Singapore pricing page lists domestic cards at 3.3% + $0.50 and international cards at 3.6% + $0.50, with plans running from a free Explore tier to Grow at S$79 a month and Accelerate from S$399.

The catch: it doesn't publish a PayNow rate. Local methods are listed as 50 cents plus a payment method fee, so get the PayNow figure in writing. Its Shopify app sends customers to an Airwallex page to pay.

Best for: shops with a lot of overseas card customers.

Omise, part of Opn, charges every card the same on its Singapore pricing page: 3.3% + S$0.30 for Visa, Mastercard, JCB and Amex, with no premium for overseas cards. PayNow costs 1.00% + S$0.15 and GrabPay 2.8% + S$0.15. There's no setup fee, and the only monthly fee is S$35 per currency if you take payments in several.

The catch: that pricing page names no shop plugins, so check it fits your platform before you apply. And on PayNow alone, HitPay works out cheaper at every order size.

Best for: large merchants with high volumes, several countries and their own developers.

Adyen is built for big merchants selling in many countries. Its published pricing has PayNow at 1.3% plus a small fixed fee per payment, and cards at interchange plus 0.6% plus the same fixed fee, which passes the card networks' actual cost straight through to you. There are no setup or monthly fees.

The catch: Adyen sets a minimum invoice by industry and business model, so a small shop pays for volume it doesn't have. It's made for companies with developers, not for a plugin install.

Best for: merchants selling across Southeast Asia who want each country's local methods under one contract.

2C2P is a Singapore-headquartered gateway with payment methods across the region, PayNow QR among them in its developer documentation, and it has a Shopify app. It doesn't publish rates: merchant fees vary by acceptance type and country, so you get a quote after you apply.

The catch: there's no price list to compare, and its Shopify listing doesn't mention PayNow, so ask whether PayNow works on Shopify before you plan around it.

Best for: merchants already with Razer Merchant Services, or selling in both Malaysia and Singapore.

Fiuu is the new name for Razer Merchant Services. It runs a PayNow channel in Singapore under its own PayNow terms and has a Shopify app, and like 2C2P it prices on application.

The catch: the same as 2C2P: no published rates, and no mention of PayNow on its Shopify listing.

Best for: overseas customers who'd rather pay with a PayPal account.

PayPal charges 3.9% + S$0.50 for Singapore payments and 4.4% plus a fixed fee for most overseas ones, per its Singapore fee page. It plugs into almost every shop platform, and Shopify doesn't add its third-party fee to PayPal payments when Shopify Payments is your main provider.

The catch: no PayNow, and it's the most expensive way on this list to take a Singapore card. Add it beside a main gateway for overseas buyers, not instead of one.