13 Payment Gateways in Singapore for Online Stores (2026)
Compare 13 payment gateways in Singapore for online stores, checked on their own sites: PayNow, cards, WooCommerce and Shopify plugins, MAS licence, payouts.
The short answer
- 01
Start with how your customers pay. Local shoppers often use PayNow and wallets such as GrabPay, while overseas buyers expect cards and PayPal, so pick a gateway that covers your mix.
- 02
Match the gateway to your store platform. A plugin maintained by the provider for WooCommerce or Shopify means less custom work and fewer surprises after updates.
- 03
Check the licence and the payout timing. Look the provider up in the MAS Financial Institutions Directory and ask when money reaches your bank for each payment method.
The right payment gateway for a Singapore online store accepts the payment methods your customers use and has a reliable plugin for your store platform. Payout timing matters too, because it decides when each sale reaches your bank account. For most local stores that means PayNow and cards at a minimum, with GrabPay or Buy Now Pay Later if your customers ask for them.
Below are 13 gateways that serve Singapore merchants, with what each one’s own website says about payment methods, plugins, licensing and payouts. If you are building or rebuilding a store, our ecommerce website service covers setting up and testing the gateway you choose.
Last checked: October 2026. Each gateway was checked on its own website and on the MAS Financial Institutions Directory. JIN Design is a web agency, not a payment provider, and is not listed.
Which is the best payment gateway in Singapore for you?
- Local wallets and quick setup for small stores: HitPay, Stripe, FOMO Pay
- Selling overseas or in several currencies: Airwallex, PayPal, Antom
- Southeast Asia coverage and instalments: 2C2P, Fiuu, AsiaPay
- Payments from local bank accounts: NETS, Red Dot Payment
- Large retailers selling online and in stores: Adyen
- Plugins for many store platforms: Omise
Store partner
JIN Design is a web agency, not a payment gateway. We design and build online stores on WooCommerce and Webflow and set up the gateway you choose, with checkout tested before launch.
The 13 payment gateways at a glance
| Gateway | Website | PayNow | Store plugins | MAS licence | Pricing on site |
|---|---|---|---|---|---|
| 2C2P | 2c2p.com | Not stated | WooCommerce (developer docs) | Yes (MPI) | No |
| Adyen | adyen.com | Yes | Adobe Commerce, Salesforce Commerce Cloud, plus partner-built Shopify, WooCommerce and others | Yes (MPI) | Yes, per payment method |
| Airwallex | airwallex.com | Yes | Shopify, WooCommerce, Magento | Yes (MPI) | Yes |
| Antom | antom.com | Yes | Shopify, WooCommerce | Not stated | No |
| AsiaPay | asiapay.com.sg | Not stated | Not stated | Yes (MPI) | No |
| Fiuu | fiuu.com | Not stated | WooCommerce, Shopify, Magento, OpenCart | Yes (MPI) | No |
| FOMO Pay | fomopay.com | Yes | Plugins offered (platforms not named on site) | Yes (MPI) | No |
| HitPay | hitpayapp.com | Yes | Shopify, WooCommerce, Wix | Yes (MPI) | Yes |
| NETS | nets.com.sg | Not stated | Not stated | Yes (MPI) | No |
| Omise | omise.co | Yes (on request) | WooCommerce, Shopify, Magento, OpenCart, PrestaShop, EC-CUBE | Yes (MPI) | Yes |
| PayPal | paypal.com | Not stated | Shopify, WooCommerce, Magento, BigCommerce | Yes (MPI) | Yes |
| Red Dot Payment | reddotpayment.com | Yes | Shopping cart integration available (platforms not named) | Yes (MPI) | No |
| Stripe | stripe.com | Yes | WooCommerce and other platforms in Stripe’s partner directory | Yes (MPI) | Yes |
“Yes (MPI)” means the provider’s Singapore entity is listed as a Major Payment Institution in the MAS Financial Institutions Directory. “Not stated” means we could not find it on the provider’s own site, not that it is unavailable.
Payment gateways in Singapore
1. 2C2P
A payments platform for businesses across Southeast Asia, covering online checkout, payouts and instalments.
2C2P describes itself as a payments platform for businesses of all sizes across Southeast Asia, with customers in e-commerce, insurance, hospitality and airlines. Its Singapore payment methods list covers the major card schemes, wallets such as GrabPay, Alipay, WeChat Pay and ShopBack, and bank instalment plans.
The instalment options stand out for higher-value carts: 2C2P lists instalment plans through UOB, DBS, OCBC, HSBC, Standard Chartered and Amex. For a WooCommerce store, 2C2P publishes a WooCommerce plugin in its developer documentation.
| Detail | 2C2P |
|---|---|
| Website | 2c2p.com |
| Payment methods | Visa, Mastercard, Amex, JCB, UnionPay, GrabPay, Alipay, WeChat Pay, Alipay+, ShopBack, bank instalments |
| Store plugins | WooCommerce (developer docs) |
| MAS licence | Major Payment Institution (MAS directory) |
| Pricing published on site | No |
| Also offers | Payouts and remittance, over-the-counter payments in the region |
Pros
- Bank instalment plans from several Singapore banks
- Regional payment methods through one integration
- WooCommerce plugin documented by 2C2P
Things to check
- Ask whether PayNow is available on your account, as it is not listed on the methods page
- Ask for a quote, as pricing is not published
Good fit for: stores selling higher-value items that want bank instalments, or brands selling across Southeast Asia.
2. Adyen
A global payments platform for large businesses, with online, in-store and platform payments on one system.
Adyen positions itself as fintech for the world’s largest businesses, across retail, travel, digital media, platforms and food and beverage. It supports PayNow in Singapore, with SGD settlement and a one-day settlement delay stated on its PayNow page.
Adyen builds and maintains its own plugins for Adobe Commerce (Magento 2) and Salesforce Commerce Cloud. Shopify, WooCommerce, BigCommerce and PrestaShop are covered by partner-built integrations, which is worth knowing if your store runs on one of those.
| Detail | Adyen |
|---|---|
| Website | adyen.com |
| Payment methods | Cards, PayNow, wallets and 200+ payment methods worldwide |
| PayNow | Yes |
| Store plugins | Adobe Commerce, Salesforce Commerce Cloud, plus partner-built Shopify, WooCommerce and others |
| MAS licence | Major Payment Institution (MAS directory) |
| Settlement and payouts | PayNow settles in SGD with a one-day delay |
| Pricing published on site | Yes, per payment method |
| Also offers | In-store terminals, risk management, platform payments |
Pros
- Online and in-store payments on one platform
- Per-method pricing published on its site
- Own plugins for Adobe Commerce and Salesforce Commerce Cloud
Things to check
- Ask about minimum volumes or onboarding criteria for your business size
- Confirm who maintains the plugin for your platform if it is partner-built
Good fit for: larger retailers and brands selling online and in stores, often across several countries.
3. Airwallex
A financial platform for global businesses that combines payment acceptance with multi-currency accounts and cards.
Airwallex offers online payment processing with PayNow and global card acceptance, plus what it calls 160+ local payment methods. Checkout, payment links, POS payments and plugins sit alongside its multi-currency business accounts, FX and corporate cards.
The link to multi-currency accounts is the useful detail for stores selling overseas: you can collect in several currencies and hold or pay out from the same platform. Airwallex lists plugins for Shopify, WooCommerce and Magento, and its footer states its MAS licence.
| Detail | Airwallex |
|---|---|
| Website | airwallex.com |
| Payment methods | PayNow, global cards, 160+ local payment methods |
| PayNow | Yes |
| Store plugins | Shopify, WooCommerce, Magento |
| MAS licence | Major Payment Institution (stated on site, licence PS20200541) |
| Pricing published on site | Yes |
| Also offers | Multi-currency accounts, FX, corporate cards, POS payments |
Pros
- Payments, multi-currency accounts and cards in one platform
- Plugins for Shopify, WooCommerce and Magento
- MAS licence number stated on its site
Things to check
- Ask how long payouts take for each payment method you plan to accept
- Check which features are in each plan on the pricing page
Good fit for: stores selling internationally that want to collect and hold several currencies.
4. Antom
A payments and growth platform from Ant International, focused on cross-border sales and local payment methods across Asia.
Antom says it gives access to 300+ payment methods and 140+ currencies through one integration, with strong coverage of Asian wallets. PayNow is shown among its payment methods, and it also offers subscriptions, invoicing and payment orchestration.
For smaller stores, Antom’s Singapore site describes Shopify and WooCommerce plugins that can be activated without development work. Its A+ Rewards programme also promotes merchants to wallet users, which is aimed at brands selling to shoppers in other Asian markets.
| Detail | Antom |
|---|---|
| Website | antom.com |
| Payment methods | Cards, PayNow, digital wallets, online banking, BNPL (300+ methods) |
| PayNow | Yes |
| Store plugins | Shopify, WooCommerce |
| Pricing published on site | No |
| Also offers | Subscriptions, invoicing, payment orchestration, fraud management |
Pros
- Wide coverage of Asian wallets for cross-border sales
- Shopify and WooCommerce plugins with no development work
- Fraud management included in the platform
Things to check
- Ask which Singapore entity contracts with you and how it is licensed
- Ask for a quote and payout schedule, as pricing is not published
Good fit for: Singapore brands selling to shoppers in other Asian markets who pay with local wallets.
5. AsiaPay
A regional payment service provider founded in 2000, running the PayDollar gateway for Singapore merchants.
AsiaPay Singapore is a subsidiary of AsiaPay Group, which is headquartered in Hong Kong and has operational offices across Asia Pacific. Its PayDollar gateway accepts the major card schemes, Alipay, UnionPay, WeChat Pay, GrabPay, Atome and PayLater by Grab.
AsiaPay lists many extra services around the gateway, including tokenisation, multi-currency pricing, payment links and QR codes, recurring and batch payments, and smart terminals for in-store sales.
| Detail | AsiaPay |
|---|---|
| Website | asiapay.com.sg |
| Payment methods | Visa, Mastercard, Amex, JCB, Diners, Discover, UnionPay, Alipay, WeChat Pay, GrabPay, Atome, PayLater by Grab |
| MAS licence | Major Payment Institution (MAS directory) |
| Pricing published on site | No |
| Also offers | Payment links and QR, recurring payments, smart terminals, anti-fraud tools |
Pros
- Long track record, founded in 2000
- Local office in Singapore with regional coverage
- Wide range of card schemes, wallets and BNPL
Things to check
- Ask which plugins are available for your store platform
- Ask whether PayNow is supported and request a quote
Good fit for: established businesses that want a regional gateway with many card schemes and wallets.
6. Fiuu
A Southeast Asian payment gateway operating since 2005, part of Razer since 2018.
Fiuu has run as a payment gateway since 2005 and has been part of Razer Inc. since 2018. It offers online and in-person payments across Southeast Asia, with over 110 payment methods. In Singapore it also offers Tap to Pay on iPhone through its Virtual Terminal app.
Fiuu publishes its shopping cart plugins on its own GitHub, including WooCommerce, Shopify, Magento and OpenCart. The MAS directory lists Razer Merchant Services SG Pte. Ltd. as a Major Payment Institution with fiuu.com as its website.
| Detail | Fiuu |
|---|---|
| Website | fiuu.com |
| Payment methods | Cards, Apple Pay, Google Pay, e-wallets, BNPL, Alipay, Alipay+ |
| Store plugins | WooCommerce, Shopify, Magento, OpenCart |
| MAS licence | Major Payment Institution (MAS directory, as Razer Merchant Services SG) |
| Pricing published on site | No |
| Also offers | Virtual Terminal, payment links, recurring and instalment payments |
Pros
- Plugins for several store platforms on its GitHub
- Tap to Pay on iPhone for in-person sales
- Digital onboarding stated on its site
Things to check
- Ask which payment methods are available for Singapore-registered businesses
- Ask for a quote, as pricing is not published
Good fit for: stores selling across Singapore and Malaysia that want one gateway for both.
7. FOMO Pay
A Singapore-headquartered payment institution offering online and in-store payments, multi-currency accounts and global payouts.
FOMO Pay states that it is a major payment institution licensed by MAS, and that it offers over 25 payment methods including cards, e-wallets, PayNow, QR payments and Buy Now Pay Later. For e-commerce it offers a checkout API, payment links, a hosted marketplace store and plugins for e-commerce platforms.
In stores, FOMO Pay focuses on SGQR, so one QR code can accept many wallets. Its iBiz multi-currency virtual accounts and global payouts suit businesses that also pay suppliers overseas.
| Detail | FOMO Pay |
|---|---|
| Website | fomopay.com |
| Payment methods | Cards, e-wallets, PayNow, QR payments, BNPL |
| PayNow | Yes |
| Store plugins | Plugins offered (platforms not named on site) |
| MAS licence | Major Payment Institution (stated on site) |
| Pricing published on site | No |
| Also offers | SGQR in-store payments, multi-currency accounts, global payouts |
Pros
- Singapore headquarters and MAS licence stated on site
- PayNow and SGQR for online and in-store sales
- Multi-currency accounts and payouts on the same platform
Things to check
- Ask which store platforms its plugins support
- Ask for a quote, as pricing is not published
Good fit for: Singapore businesses that sell online and in store and want PayNow and SGQR from one provider.
8. HitPay
A Singapore payment platform for small and mid-sized businesses, covering online checkout, payment links and in-store payments.
HitPay serves small and mid-sized businesses across e-commerce, F&B, retail, education and more. It accepts PayNow, cards, GrabPay, ShopeePay, Atome, ShopBack and other wallets, plus cross-border methods for shoppers from nearby markets.
Its pricing page is unusually detailed, with payout timing stated per method: non-card payouts reach the HitPay balance on T+1 calendar day and card payouts from T+1 business day. HitPay lists plugins for Shopify, WooCommerce and Wix, and states it is licensed by MAS.
| Detail | HitPay |
|---|---|
| Website | hitpayapp.com |
| Payment methods | PayNow, cards, GrabPay, ShopeePay, Atome, ShopBack, Apple Pay, Google Pay, WeChat Pay, GIRO |
| PayNow | Yes |
| Store plugins | Shopify, WooCommerce, Wix |
| MAS licence | Major Payment Institution (stated on site) |
| Settlement and payouts | Non-card T+1 calendar day; cards from T+1 business day |
| Pricing published on site | Yes |
| Also offers | POS terminals, Tap to Pay, invoicing, payment links |
Pros
- Wide range of Singapore wallets and BNPL options
- Payout timing stated per method
- Pricing page states no setup or monthly fees
Things to check
- Confirm your payout schedule after onboarding, as HitPay notes it is set case by case
- Check that your platform's plugin supports every method you want to show
Good fit for: small and mid-sized Singapore stores that want local wallets and quick setup.
9. NETS
Singapore’s NETS network, which offers the eNETS Gateway, NETS QR Online and NETS Click for online payments.
NETS offers merchants the eNETS Gateway, which accepts the major credit cards, NETS QR and direct debit from internet banking customers of DBS/POSB, OCBC, Standard Chartered and UOB. NETS QR Online lets shoppers scan at checkout with apps such as DBS PayLah!, the OCBC app and UOB TMRW.
This is useful for local shoppers who prefer paying from their bank account. NETS states that monthly subscription and transaction fees apply, and both Network for Electronic Transfers (Singapore) and eNETS Pte. Ltd. are listed as Major Payment Institutions in the MAS directory.
| Detail | NETS |
|---|---|
| Website | nets.com.sg |
| Payment methods | Visa, Mastercard, Amex, NETS QR, direct debit (DBS/POSB, OCBC, SCB, UOB), NETS bank cards |
| MAS licence | Major Payment Institution (MAS directory, NETS and eNETS) |
| Pricing published on site | No |
| Also offers | In-store terminals, NETS SoftPOS, SGQR labels, foreign cards and wallets |
Pros
- Direct debit from major Singapore banks
- NETS QR checkout with local banking apps
- Online and in-store payments from the same network
Things to check
- Ask your developer how eNETS connects to your store platform
- Ask for the fee schedule, as amounts are not published
Good fit for: Singapore businesses whose customers prefer paying from local bank accounts.
10. Omise
A payment gateway with APIs and plugins, offering separate pricing and payment methods for Singapore merchants.
Omise offers online checkout, Payment Links+ and payment orchestration, with RESTful APIs and documentation aimed at developers. For Singapore it lists cards, PayNow, Alipay+ and app-to-app mobile banking.
Omise publishes plugins for WooCommerce, Shopify, Magento, OpenCart, PrestaShop and EC-CUBE. Its docs note that Singapore merchants request PayNow through support before it is switched on.
| Detail | Omise |
|---|---|
| Website | omise.co |
| Payment methods | Visa, Mastercard, JCB, Amex, Diners, Discover, PayNow, Alipay+, mobile banking |
| PayNow | Yes (on request) |
| Store plugins | WooCommerce, Shopify, Magento, OpenCart, PrestaShop, EC-CUBE |
| MAS licence | Major Payment Institution (MAS directory, as Omise Payment SG) |
| Pricing published on site | Yes |
| Also offers | Payment Links+, payment orchestration, dashboard reporting |
Pros
- Plugins for a wide range of store platforms
- Singapore pricing published on its site
- Developer documentation for custom builds
Things to check
- Request PayNow early, as it is enabled through support
- Ask about payout timing for Singapore accounts
Good fit for: stores on WooCommerce, Shopify or Magento, and developers building a custom checkout.
11. PayPal
A global payments brand that lets Singapore businesses accept PayPal, cards and Apple Pay from buyers in many markets.
PayPal Open offers online checkout, payment links and buttons, invoicing and recurring payments, and says businesses can accept payments from 200+ markets in 130+ currencies. Customers can pay with PayPal, cards or Apple Pay.
PayPal’s Singapore partner directory names Shopify, WooCommerce, Magento and BigCommerce. A fee schedule for Singapore is published on its site, which makes it easy to compare against your own order sizes.
| Detail | PayPal |
|---|---|
| Website | paypal.com |
| Payment methods | PayPal, credit and debit cards, Apple Pay |
| Store plugins | Shopify, WooCommerce, Magento, BigCommerce |
| MAS licence | Major Payment Institution (MAS directory) |
| Pricing published on site | Yes |
| Also offers | Invoicing, payment links, recurring payments, payouts |
Pros
- Familiar checkout for overseas buyers
- Integrations with the main store platforms
- Singapore fee schedule published
Things to check
- Pair it with a gateway that offers PayNow if most buyers are local
- Check how and when funds are withdrawn to your Singapore bank account
Good fit for: stores with many overseas buyers, usually alongside a local gateway.
12. Red Dot Payment
A payment technology company founded in 2011, part of PayU since 2019, with offices in Singapore and the region.
Red Dot Payment describes itself as a local acquirer for Visa, Mastercard, UnionPay, SGQR (PayNow), Alipay, Discover and PayPal. Its products include a payment gateway, a personalised payment page, invoicing and recurring payments, plus hotel payment solutions.
Its FAQ says shopping cart integration is possible and that customising a plugin costs extra, so it suits businesses that want a tailored payment flow. Fees depend on the business model and are quoted on enquiry.
| Detail | Red Dot Payment |
|---|---|
| Website | reddotpayment.com |
| Payment methods | Visa, Mastercard, UnionPay, Discover, SGQR (PayNow), Alipay, PayPal |
| PayNow | Yes |
| Store plugins | Shopping cart integration available (platforms not named) |
| MAS licence | Major Payment Institution (MAS directory) |
| Pricing published on site | No |
| Also offers | Invoicing, recurring payments, hotel solutions, card terminals |
Pros
- Local acquirer for cards and SGQR (PayNow)
- Customised payment pages and flows
- Online and in-store payments
Things to check
- Ask which store platforms are supported and the cost of any plugin work
- Ask for a quote based on your business model
Good fit for: established businesses and hotels that want a customised payment flow.
13. Stripe
A global payments platform with developer tools, billing and invoicing, and Singapore methods such as PayNow and GrabPay.
Stripe offers online and in-person payments, subscriptions, invoicing and payment links. Its Singapore pricing page lists cards, PayNow, GrabPay, Alipay, WeChat Pay and bank transfers, with Apple Pay and Google Pay also supported.
Stripe’s PayNow documentation states funds are available the next day, then paid out on your chosen schedule: rolling, weekly or monthly, with instant payouts as an option. WooCommerce is a verified partner in Stripe’s partner directory.
| Detail | Stripe |
|---|---|
| Website | stripe.com |
| Payment methods | Cards, PayNow, GrabPay, Alipay, WeChat Pay, Apple Pay, Google Pay, bank transfers |
| PayNow | Yes |
| Store plugins | WooCommerce and other platforms in Stripe’s partner directory |
| MAS licence | Major Payment Institution (MAS directory) |
| Settlement and payouts | PayNow funds available T+1; payouts rolling, weekly or monthly; instant payouts available |
| Pricing published on site | Yes |
| Also offers | Billing and subscriptions, invoicing, Terminal, Connect for marketplaces |
Pros
- PayNow and GrabPay alongside cards
- Detailed documentation for developers
- Subscriptions and invoicing on the same account
Things to check
- Check the business categories Stripe restricts before you apply
- Confirm your payout schedule in the dashboard after onboarding
Good fit for: stores that want local methods and cards together, plus subscriptions or a custom checkout.
What does a payment gateway do?
A payment gateway sits between your checkout and the banks. It takes the customer’s payment details securely, sends the payment for approval through the card network, bank or wallet, tells your store whether it succeeded, and later pays the money into your business bank account.
That last step matters for your website. If the store never receives the confirmation, the customer has paid but the order still shows as pending, so the connection between the gateway and your store needs testing before launch.
How do you choose a payment gateway in Singapore?
Check the payment methods your customers use
List the methods your customers actually ask for. Local shoppers often pay with PayNow, cards and wallets such as GrabPay, and some expect Buy Now Pay Later options like Atome. Overseas buyers tend to expect cards, PayPal, Apple Pay and Google Pay.
Then check each method is available on your account, not only on the provider’s marketing page. Some methods, such as PayNow on Omise, are switched on through support.
Check there is a plugin for your store platform
If your store runs on WooCommerce, Shopify, Magento or Wix, look for a plugin that the provider builds or lists itself. Ask who maintains it, how often it is updated, and whether every payment method you want shows up through the plugin. If you are still choosing a platform, our guide to WordPress, Webflow and AI-powered websites compares the options.
Ask when you get paid
Payout timing affects cash flow, especially in a busy sales month. Ask for the schedule for each payment method, whether weekends and public holidays count, and whether payouts can be held during the first months of a new account.
Prepare for onboarding
Gateways check every business before switching on live payments. Expect to share your company details, the directors’ identity documents and your business bank account. Your website usually needs to be live with your products, prices, contact details and refund, delivery and privacy policies.
Each provider also has a list of business types it does not serve. Read it before you apply, especially if you sell regulated products.
Check the licence
Search for the provider’s Singapore entity on the MAS Financial Institutions Directory. The entity name can differ from the brand name: Fiuu, for example, is listed as Razer Merchant Services SG Pte. Ltd.
Which payment gateways support PayNow?
When we checked their websites, these gateways listed PayNow for Singapore merchants: Adyen, Airwallex, Antom, FOMO Pay, HitPay, Omise (on request), Red Dot Payment (through SGQR) and Stripe.
PayNow payments work by QR code, so test them on a phone as well as a desktop. Stripe notes that its PayNow QR codes expire after an hour, which is worth knowing when you design the order confirmation and reminder emails.
What are the alternatives to HitPay?
HitPay focuses on small and mid-sized Singapore businesses that want local wallets and quick setup. If you are comparing it with other options, these are the gateways that cover similar ground, grouped by what you might want:
| If you want | Gateways to look at |
|---|---|
| PayNow and cards with developer tools and subscriptions | Stripe, Omise |
| Multi-currency accounts alongside payments | Airwallex, FOMO Pay |
| PayNow online, plus in-store payments | FOMO Pay, Red Dot Payment |
| Bank instalments or Southeast Asian wallets | 2C2P, Fiuu, AsiaPay |
| Direct debit from Singapore banks | NETS |
| Buyers who prefer to pay with PayPal | PayPal, usually alongside a local gateway |
What is the cheapest payment gateway in Singapore?
We do not quote rates, because they change and depend on your business. Adyen, Airwallex, HitPay, Omise, PayPal and Stripe publish pricing on their websites. The others quote on enquiry.
To compare fairly, take a typical month of orders and split it by payment method: how many were PayNow, local cards, international cards and wallets. Work out the cost on each shortlisted gateway, then add any monthly, payout, refund, currency conversion and dispute charges. A gateway with a low headline card rate can still cost more if most of your customers pay another way.
What to set up on your website before taking payments
Choosing the gateway is half the job. The store itself has to handle every outcome of a payment, or you end up with paid orders stuck as pending and refunds done by hand.
- Policy pages: gateways look for clear refund, delivery and privacy policies during onboarding.
- Test mode: place test orders with every payment method, including a failed and an expired payment.
- Order status: check that the gateway’s payment notifications (webhooks) mark orders as paid, failed or refunded automatically.
- Tracking: record purchases in Google Analytics 4 so you can see which products and campaigns bring in sales. Our GA4 setup service covers ecommerce tracking.
If your store is on WordPress, our WooCommerce development team builds custom checkouts with Stripe and PayPal payments. For the marketing side once payments are live, see our article on common e-commerce marketing mistakes, and if you sell across the region, our overview of e-commerce platforms in Asia.
How we chose these gateways
Every gateway here accepts online payments for Singapore merchants and has a working website that explains its service. We describe each one only from its own website and documentation, and we checked each provider’s Singapore entity on the MAS Financial Institutions Directory in October 2026. The list is in alphabetical order, not ranked, and we re-check it every quarter.
Setting up payments on your online store
We design and build online stores in Singapore on WooCommerce and Webflow and connect the payment gateway that suits your customers. Checkout and tracking are tested before the store goes live. Talk to us about your store, or see our ecommerce website service.
Frequently asked questions
What is the best payment gateway in Singapore?
There is no single best one. It depends on how your customers pay, which platform your store runs on and whether you sell overseas. Shortlist two or three gateways that support PayNow and cards, have a plugin for your platform and publish their payout timing, then compare them on your own order sizes.
Which payment gateways support PayNow?
When we checked their websites in October 2026, Adyen, Airwallex, Antom, FOMO Pay, HitPay, Omise (on request), Red Dot Payment (through SGQR) and Stripe all listed PayNow. Others may offer it on request, so ask before you sign up.
What is the cheapest payment gateway in Singapore?
It depends on your payment mix. PayNow and card payments are usually priced differently, and international cards differ from local ones. Use the published pricing pages to work out the cost of a typical month of orders, and include payout, refund and dispute charges, not only the headline rate.
Does a payment gateway need a MAS licence?
Under the Payment Services Act, providers of regulated payment services in Singapore, such as merchant acquisition, generally need a licence from the Monetary Authority of Singapore unless exempted. You can search the MAS Financial Institutions Directory to see whether a provider's Singapore entity is listed.
How long does it take to receive money from a payment gateway?
It varies by provider and payment method. Stripe states that PayNow funds are available the next day, and HitPay states T+1 calendar day for non-card payments. Card payouts can take longer, so ask for the schedule for each method in writing.
Can my online store use more than one payment gateway?
Yes. WooCommerce and most other store platforms can show several payment options at checkout, so a common setup is a local gateway for PayNow and cards plus PayPal for overseas buyers. Each extra gateway adds a plugin to maintain and another report to reconcile.
