Top Payment Gateways in Singapore
1.
Stripe
2.
PayPal
3.
Eway
4.
HitPay
5.
Adyen
6.
Opn Payments
Looking for the best payment gateway in Singapore, but not sure where to start? With so many providers offering different fees and features, it’s normal to feel unsure about which one suits your business best. That’s why we analysed the top options using clear, consistent criteria.
Here, you’ll get a simple, side-by-side comparison to help you choose a payment gateway that aligns with your customers, your budget, and the way you prefer to run your business.
Before we dive into the details, here are the top picks to consider first.
Our Top Picks
1st Choice
2nd
No-fee setup, PayNow QR and GrabPay, plus online and in-person payments.
3rd
Trusted global checkout with cards, wallets, and strong buyer protection.
Why trust us?
Our review is independent, and we are not affiliated with any of the providers mentioned in this article. We do not use affiliate links or receive commissions.
Every provider was evaluated using consistent criteria across pricing, local payment support, integrations, features, and support quality, based only on official documentation and publicly available sources.
Last reviewed: 4 November 2025
options considered
options reviewed
options chosen
1
Stripe
|
Most suitable for: Ecommerce, SaaS, and marketplace businesses that need strong online checkout and global coverage. |
Stripe supports online transactions in Singapore through PayNow, GrabPay, cards, and digital wallets, with support for multiple currencies for global sales. It offers payment processing tools, subscription billing, invoicing, fraud detection features, and integrations that work well with ecommerce platforms and SaaS models.
Stripe also provides Terminal devices and Tap to Pay for in-person digital payment acceptance, so businesses can manage online and offline sales in one dashboard.
What Stripe Offers
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Accepted Payment Methods
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Payments & Checkout
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Integrations & Business Tools
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Stripe Key Usage Fees
| Fee Type | Cost |
|---|---|
| Domestic cards | 3.4% + SGD 0.50 |
| International cards | Additional 0.5% |
| Currency conversion | Additional 2% FX fee |
| PayNow | 1.3% |
| GrabPay | 3.3% |
| Alipay / WeChat Pay | 2.2% + SGD 0.35 |
| BNPL (Afterpay/Klarna) | Varies (typically 4–6%) |
View Stripe’s full pricing for more details or enterprise plan options.
Is Stripe Right for Your Business?
✅ Choose Stripe if you:
- run ecommerce, SaaS, or marketplace platforms
- need subscriptions, invoicing, or recurring billing
- want one platform for PayNow and global card payments
- plan to scale into overseas markets
❌ Not ideal if you:
- prefer the lowest domestic card fees
- rely mainly on PayNow for local sales
- want a simple plug-and-play setup
- need predictable flat-rate pricing
Note: Need help setting up Stripe? See our practical guide explaining how to connect Stripe to your website.
2
PayPal
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Most suitable for: Ecommerce sellers, service businesses, and SMEs that want a trusted global payment option with strong fraud protection and broad international reach. |
PayPal is one of the most recognised online payment brands worldwide, operating in over 200 markets and supporting more than 20 currencies. Its checkout helps businesses build trust, improve conversion, and offer customers more ways to pay, including credit cards, digital wallets, PayPal Wallet, and local payment methods in specific regions.
PayPal also offers invoicing, recurring payments, dispute and chargeback management, and multiple ways to integrate, from no-code payment links to fully customised checkout via Braintree.
What PayPal Offers
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Accepted Payment Methods
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Payments & Checkout
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Integrations & Business Tools
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Tip: Selling on Shopify? PayPal is widely used on Shopify, but it’s not the only option. See how it compares to other gateways in our Shopify payment guide.
PayPal Key Usage Fees
| Fee Type | Cost |
|---|---|
| Domestic online card payments | From 3.9% + SGD 0.50 |
| International online card payments | Domestic fee + 0.50% |
| Fixed fee per SGD transaction | SGD 0.50 |
| Currency conversion | 3–4% above base exchange rate |
Visit PayPal’s pricing page for a full overview of rates and terms.
Is PayPal Right for Your Business?
✅ Choose PayPal if you:
- sell to many overseas markets
- want a checkout option trusted by international buyers
- use Shopify, WooCommerce, or similar ecommerce platforms
- want simple integration with payment buttons or links
❌ Not ideal if you:
- want lower domestic card fees
- sell mostly to local Singapore customers
- prefer checkout that supports PayNow or GrabPay
- need predictable flat-rate pricing across all methods
3
Eway
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Most suitable for: SMEs that want a simple online card payment gateway with recurring billing and reliable human support. |
Eway is part of the Global Payments group and offers straightforward payment solutions built around card processing, recurring billing, and mobile-friendly payments. It is supported by a Singapore-based team and backed by more than 20 years of experience helping over 28,000 merchants. Eway focuses on simplicity, human support, and flexible workflows, which makes it a practical option for businesses that want reliable payment services without extra complexity.
What Eway Offers
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Accepted Payment Methods
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Payments & Checkout
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Integrations & Business Tools
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Eway Key Usage Fees
| Fee Type | Cost |
|---|---|
| Setup Fee / Monthly Fee | None |
| Transaction Fees | Quote-based (contact sales) |
Note: Eway uses a custom pricing model. Contact their sales team for a tailored quote based on your business needs.
Is Eway Right for Your Business?
✅ Choose Eway if you:
- only need card payments
- prefer human customer support
- need phone or email card payments through manual entry
- want simple recurring billing
❌ Not ideal if you:
- need PayNow, GrabPay, or digital wallets
- want many global payment methods
- run a fast-scaling ecommerce or SaaS platform
- want publicly listed, transparent fees
Tip: Looking for more gateways suited for small businesses? Our SME-focused guide compares the best providers for affordability, payment method coverage, and ease of use.
4
HitPay
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Most suitable for: SMEs, retail shops, service businesses, and ecommerce sellers that want an easy, multi-method payment gateway with PayNow, GrabPay, cards, and strong no-code tools. |
HitPay is a MAS-licensed Major Payment Institution offering payment solutions through a unified checkout that supports cards, PayNow QR, GrabPay, BNPL options, and more than 150 currencies. It has no setup or monthly fees, integrates with Shopify and WooCommerce, and supports both online and in-person payments through QR code, mobile, and terminal options. It is designed to offer flexible payment method support, transparent per-transaction fees, and fast payouts for Singaporean SMEs.
What HitPay Offers
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Accepted Payment Methods
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Payments & Checkout
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Integrations & Business Tools
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HitPay Key Usage Fees
| Fee Type | Cost |
|---|---|
| Setup Fee / Monthly Fee | None |
| Domestic cards | 2.8% + SGD 0.50 |
| International cards | 3.65% + SGD 0.50 + 2% FX surcharge |
| PayNow (online) | 0.65% + SGD 0.30 (≥ SGD 100) 0.9% (min. SGD 0.20 for < SGD 100) |
| GrabPay / BNPL (online) | 3% – 5.5% |
| In-person PayNow QR | 0.4% (min. SGD 0.10) |
| In-person domestic cards | 2.3% – 2.5% (min. SGD 0.20) |
For full details, visit HitPay’s official pricing page.
Is HitPay Right for Your Business?
✅ Choose HitPay if you:
- want PayNow, GrabPay, cards in one checkout
- prefer no monthly fees
- sell via Shopify, WooCommerce, or social media
- want QR, terminal, and Tap to Pay options
❌ Not ideal if you:
- want the lowest card payment fees
- process large enterprise volumes with custom flows
- need advanced fraud tools or deep analytics
- depend heavily on customisation like Stripe/Braintree
5
Adyen
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Most suitable for: Fast-growing ecommerce, retail, and marketplace businesses that need a global, enterprise-grade payment platform with strong online and in-person support. |
Adyen is a global payments company used by brands such as Meta, Uber, H&M, and Microsoft. It provides an all-in-one platform for online and in-store payments, enabling businesses to accept cards, wallets, BNPL methods, and PayNow in Singapore. Adyen’s core strengths include powerful checkout options, advanced fraud protection, and transparent Interchange++ pricing. Its unified reporting and support for multiple currencies make it a strong option for Singaporean businesses that need a single platform for online and in-person payments.
Tip: If you're choosing a gateway for an online store, our guide to ecommerce payment gateways compares Adyen with other major providers.
What Adyen Offers
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Accepted Payment Methods
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Payments & Checkout
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Integrations & Business Tools
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Adyen Key Usage Fees
| Payment Method | Processing Fee | Method Fee |
|---|---|---|
| Visa / Mastercard® | €0.11 | Interchange++ plus 0.60%* |
| American Express | €0.11 | 3.95% |
| UnionPay | €0.11 | 3.00% |
| PayNow | €0.11 | 1.30% |
| Wallets (Apple, Google) | €0.11 | Follows card network pricing |
| Atome | €0.11 | 5.00% |
| Alipay / Alipay+ | €0.11 | 3.00% |
*Interchange++ is a pricing model where card network fees are passed through with a small markup.
Learn more about fees and optional charges on Adyen’s pricing page.
Is Adyen Right for Your Business?
✅ Choose Adyen if you:
- operate across online and in-store channels
- want higher approval rates via local processing
- need advanced fraud tools and detailed reporting
- handle subscriptions or recurring billing at scale
❌ Not ideal if you:
- want the simplest setup
- rely heavily on PayNow or local wallets alone
- prefer flat, predictable pricing without Interchange Plus
- run a small business with low transaction volumes
6
Opn Payments
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Most suitable for: SMEs and online sellers that want a simple payment gateway offering cards, PayNow, e-wallets, and recurring billing. |
Opn Payments, now operating under the Omise brand, runs across Singapore, Thailand, Malaysia, and Japan. It supports cross-border payments through cards, PayNow, mobile banking apps, e-wallets, and BNPL. The platform offers fast setup, transparent per-transaction pricing, and integrations with Shopify, WooCommerce, and Magento. These features make it suitable for SMEs that want a straightforward checkout without complex configuration to accept popular payment methods.
What Opn Payments Offers
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Accepted Payment Methods
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Payments & Checkout
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Integrations & Business Tools
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Opn Payments Key Usage Fees
| Fee Type | Cost |
|---|---|
| Domestic and international cards | 3.30% + SGD 0.30 |
| PayNow / OCBC Digital (mobile banking) | 1.00% + SGD 0.15 |
| GrabPay / ShopeePay | 2.80% + SGD 0.15 |
| Apple Pay / Google Pay | 3.30% + SGD 0.30 |
| Alipay / Alipay+ | 2.90% + SGD 0.15 |
| Atome | 5.50% + SGD 0.15 |
| Bank transfers | Free |
Note: Opn Payments charges only per-transaction fees. High-volume merchants can request custom pricing.
For full details, visit Opn Payments’ official pricing page.
Is Opn Payments Right for Your Business?
✅ Choose Opn Payments if you:
- want cards, PayNow, major e-wallets in one gateway
- prefer no monthly fees
- sell via Shopify, WooCommerce, or Magento
- need recurring billing
❌ Not ideal if you:
- need the lowest PayNow fees in the market
- rely heavily on BNPL options beyond Atome
- need advanced fraud tools or detailed analytics
- run a large enterprise needing highly customised payment flows
Final Notes
Choosing the right payment gateway in Singapore mainly comes down to the payment methods you need, the fees you want to optimise, and how flexible your checkout must be. If your customers are mostly local, look for providers that support PayNow and popular wallets. If you sell internationally, prioritise gateways with strong multi-currency processing and global acquiring. Businesses that rely on subscriptions, invoicing, or marketplace payouts should focus on platforms with those tools built in.
As the types of sales you make change, review your setup regularly. Fees, supported methods, and customer preferences shift over time, and moving to a provider that better fits your needs can improve conversion rates and reduce costs.
FAQs
What is the best payment gateway in Singapore?
There’s no single “best” option because each provider suits different business needs. For most SMEs, Stripe, HitPay, and PayPal are strong starting points due to their mix of local methods, global cards, and easy integrations. If you rely heavily on PayNow and GrabPay, HitPay, or Stripe offers the widest support. For global expansion or marketplaces, Stripe and Adyen provide the strongest international coverage and tools.
