apayAccept payments in Singapore
Cards, Apple Pay, Google Pay, PayNow and GrabPay for Singapore merchants and platforms, with 3-D Secure and SGD settlement.
Payment methods your customers use
One checkout shows the right methods for Singapore. Add or remove methods per processor in the dashboard; nothing changes in your code.
| Method | Type | In the checkout |
|---|---|---|
| Visa, Mastercard, Amex, JCB, UnionPay | card | Card form with 3-D Secure 2 when you ask for it |
| Apple Pay | wallet | Button in Safari and iOS apps |
| Google Pay | wallet | Button in Chrome and Android apps |
| PayNow | real-time transfer | QR code or UEN reference, confirmed by webhook |
| GrabPay | e-wallet | Redirect to the Grab app |
| Atome, Grab PayLater | buy now, pay later | Redirect, instalments handled by the provider |
Processors and partners
Routed by apay for Singapore:
Virtual banks and BaaS programmes in Singapore are in discussion for local collection accounts and PayNow at bank rates.
What to know
- Currency SGD, amounts in cents.
- 3-D Secure is optional but recommended above S$ 1,000 and for new customers.
- Settlement typically T+2 to T+3 through the processor.
- GST at 9% is the merchant's responsibility; apay passes through the full amount.
Questions
Can I accept PayNow through apay?
Yes. PayNow is available through processors that support it in Singapore. The checkout shows a QR code and apay confirms the payment by webhook.
Do Apple Pay and Google Pay work in Singapore?
Yes, both are supported by the Singapore processors apay routes to. Apple Pay needs your domain registered; the wallets guide explains the steps.
Which currency do I settle in?
SGD by default. Multi-currency settlement depends on the processor or partner bank on your account.