Singapore Dollar (SGD)
Published processing fees and market availability for the Singapore Dollar (SGD) across 16 gateways, bank acquirers, and payment rails serving Singapore. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Asia currencies
Who serves this currency
All 16 gateways, bank acquirers and wallets serving SGD markets, including providers with published SGD fee schedules (6) and custom/quote-only processors (10).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeDomestic Singapore cards, verify on Stripe SG pricing. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeRegional availability, ask for a quote. | Serves this market |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| Rapyd (Valitor)Regional availability, ask for a quote. | Serves this market |
| Razorpay ( & Curlec)Regional availability, ask for a quote. | Serves this market |
| AirwallexSingapore domestic cards; PayNow supported. | Published fees |
| PortOne (Iamport)Regional availability, ask for a quote. | Serves this market |
| XenditSingapore cards 3.3% + S$0.50; PayNow QR 0.8%. | Published fees |
| HitPaySingapore domestic cards 2.8% + S$0.50; PayNow QR 0.65% + S$0.30 (0.4% over S$100). | Published fees |
| 2C2PAnt Group-owned Southeast Asian enterprise payment gateway supporting 400+ regional methods (PromptPay, QRIS, GCash, TrueMoney, cards). Custom merchant pricing. | Serves this market |
| Opn Payments (Omise)Singapore standard card rate 3.3% + S$0.40; PayNow 0.65%. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalSingapore commercial transactions. | Published fees |
| AlipayRegional availability, ask for a quote. | Serves this market |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (6 of 16 providers serving SGD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified SGD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 16 providers serving SGD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (10 additional providers serve SGD with custom or quote-only pricing—see all 16 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeDomestic Singapore cards, verify on Stripe SG pricing. | 3.4%+1% international cards | SGD 0.50 | n/a | +1% |
| AirwallexSingapore domestic cards; PayNow supported. | 3.3% | SGD 0.50 | n/a | Same rate |
| XenditSingapore cards 3.3% + S$0.50; PayNow QR 0.8%. | 3.3%+1% international cards | SGD 0.50 | n/a | +1% |
| HitPaySingapore domestic cards 2.8% + S$0.50; PayNow QR 0.65% + S$0.30 (0.4% over S$100). | 2.8%+0.6% international cards | SGD 0.50 | n/a | +0.6% |
| Opn Payments (Omise)Singapore standard card rate 3.3% + S$0.40; PayNow 0.65%. | 3.3% | SGD 0.40 | n/a | Same rate |
Compare two SGD card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in SGD.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalSingapore commercial transactions. | 3.9%+0.5% international cards | SGD 0.50 | n/a | +0.5% |
Monthly, plan & setup fees (SGD)
12 of 16 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| Rapyd (Valitor)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Razorpay ( & Curlec)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PortOne (Iamport)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| XenditPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| 2C2PAPAC enterprise & mid-market payment gateway contract | Bank MID / custom | Custom / quote | Custom |
| Opn Payments (Omise)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| AlipayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Singapore Dollar (SGD) payment gateway FAQs
Which payment gateways and processors serve Singapore (SGD)?
Sympli5 tracks 16 payment gateways, bank acquirers, and payment rails serving Singapore (Singapore Dollar, SGD), including Stripe, PayPal, Adyen, Checkout.com, Braintree, Nuvei and 10 others. Of these, 6 publish verifiable standard SGD per-transaction schedules and 10 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Singapore Dollar (SGD)?
Among the 6 providers with publicly verified SGD schedules, the lowest headline variable rate starts at 2.8% + SGD 0.50 via HitPay. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive SGD calculator on this page to compare exact net payouts.
Do SGD payment gateways charge monthly or setup fees?
Of the 16 providers serving SGD markets, 12 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for SGD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in SGD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In SGD, providers like Stripe (+1%), PayPal (+0.5%), Xendit (+1%) add an explicit cross-border card surcharge on top of their domestic rate.