Sources: Monetary Authority of Singapore, Association of Banks in Singapore and provider disclosures, 2024–2025.
How Singapore pays
Singapore is a card-heavy, high-income market where Visa, Mastercard and Amex are standard and NETS, the local debit network, dominates in store. Online, the defining local rail is PayNow, which sends money between bank accounts instantly using a phone number or company UEN, and SGQR puts many payment schemes behind one national QR code.
Wallets round it out: GrabPay from the regional super-app, plus Apple Pay and Google Pay. The Monetary Authority of Singapore licenses payment firms under the Payment Services Act and sets clear expectations on authentication and fraud. For an enterprise merchant, the value is optimization: 3DS that keeps friction low, retries across acquirers, and cards, wallets and local methods behind one integration, settled in Singapore dollars.
Why merchants run on us here
Cards, with 3DS done properly
A high-income, card-heavy market where 3DS is routine, routed across acquirers with retries to protect approvals.
PayNow for instant transfers
PayNow moves money between bank accounts in seconds, and shoppers increasingly pay by scanning a PayNow QR at checkout.
Wallets and super-apps
GrabPay, Apple Pay and Google Pay sit beside cards for a mobile-first checkout.
One integration, SGD settlement
Cards, wallets and local methods behind one integration, in Singapore dollars, with compliance aligned to MAS expectations.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Singapore
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Singapore like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Singapore through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Singapore dollar (SGD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Singapore?
Talk to our payments team about going live in Singapore — coverage, local acquiring, settlement and timelines for your business.