🇸🇬Singapore

Payment gateways for Singapore.

PayNow is the instant transfer rail — offer it or lose conversions. Cards still common for higher AOV.

5 gateways available0 native to Singapore

Where are most of your buyers? *

🇸🇬 Singapore — what you need to know

PayNow is the instant transfer rail — offer it or lose conversions. Cards still common for higher AOV.

Popular methods here: Credit / Debit Cards · PayNow · Apple Pay · Google Pay · PayPal

Filter by platform (optional)

Must support these methods (optional)

🇸🇬 5 gateways in Singapore

Native-in-country gateways first

Stripe

HQ San Francisco, USA

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Developer-first, best API in the industry, most platform integrations anywhere

Domestic cards2.9% + $0.30 (US) · 1.5% + £0.20 (UK) · 1.4% + €0.25 (EU)

International cards3.9% + $0.30 (+ 1% FX fee)

Local methodsVaries — iDEAL €0.29, SEPA 0.8% capped, Pix 1%

Settlement: T+2 business days (T+7 in new accounts)

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactPixAlipayWeChat PayBoleto Bancário

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart

Good to know

Not available in India (only Atlas entity option). Excellent for global SaaS + DTC.

Adyen

HQ Amsterdam, Netherlands

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Enterprise + global merchants needing interchange-plus pricing at scale

Domestic cardsInterchange++ model: ~0.6% + €0.10 (EU) · ~2.9% (US) — negotiable at volume

Local methodsiDEAL €0.10 · SEPA €0.13 · Alipay 1.2%

ExtraMonthly platform fee $0-500 depending on volume

Settlement: Daily to T+2

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactAlipayWeChat PayPixBoleto BancárioOXXO

Integrates with

Shopify BigCommerce Magento (Adobe Commerce)PrestaShop

Good to know

Not for small merchants — pricing benefits kick in above ~$100k/mo GMV.

PayPal

HQ San Jose, USA

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Global trust — older + cross-border buyers expect it

Domestic cards2.9% + $0.30 (US) · 1.2% + £0.30 (UK, domestic PayPal-to-PayPal)

International cards4.4% + fixed (cross-border)

Local methodsPayPal wallet-to-wallet: 2.9% + $0.30

Settlement: Instant to 3 business days

Supports

Credit / Debit CardsInternational cardsPayPalKlarna (BNPL)Afterpay / Clearpay (BNPL)

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart Weebly by Square

Good to know

Account freezes are a real risk — don't use as your sole gateway.

Xendit

HQ Jakarta, Indonesia

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SEA merchants — native wallet + bank transfer support for ID/PH/MY/TH

Domestic cards2.9% + IDR 3,000 (Indonesia)

Local methodsBank transfer IDR 4,440 flat · GoPay/OVO 2%

Settlement: T+2 business days

Supports

Credit / Debit CardsBank transferLocal walletsCash on Delivery

Integrates with

Shopify WooCommerce Magento (Adobe Commerce)

2C2P

HQ Singapore

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Multi-country SEA merchants wanting one gateway for Thailand/Malaysia/Indonesia/etc.

Domestic cards2.5-3% + fixed depending on market

Local methodsWallets + bank transfers negotiated per country

Settlement: T+2 to T+7 depending on method

Supports

Credit / Debit CardsBank transferLocal walletsCash on Delivery

Integrates with

Shopify Magento (Adobe Commerce)WooCommerce

Negotiate better rates — at volume, list prices are opening offers.

Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.

Book a call · $29

How this data is sourced + kept fresh

Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.

Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.

Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.

Questions about Singapore

People ask us these a lot.

What's the best payment gateway for Singapore ecommerce?+

Singapore is typically served well by global gateways like Stripe or PayPal combined with local-method support. The specific best pick depends on your order volume, AOV, and which payment methods your buyers expect.

Which payment methods do Singapore buyers expect at checkout?+

PayNow is the instant transfer rail — offer it or lose conversions. Cards still common for higher AOV.

How many gateways support Singapore?+

We track 5 major payment gateways available in Singapore: Stripe, PayPal, Adyen, Xendit, 2C2P. Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.

Do international cards work in Singapore?+

Most gateways available in Singapore support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).

Navigating Singapore payments feels complex — because it is.

Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your Singapore business.

Book a call · $29