Shopify Guides and Updates7 Best Payment Gateways for Shopify Singapore (2026): HitPay, Stripe, PayNow and More
Shopify Guides and Updates

7 Best Payment Gateways for Shopify Singapore (2026): HitPay, Stripe, PayNow and More

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The best payment gateway for most Shopify stores in Singapore is HitPay, because it adds PayNow, GrabPay, ShopeePay and Atome that Shopify Payments does not natively support, with card rates from 2.8% + S$0.50 and no monthly fee. Most Singapore stores run Shopify Payments for cards and pair it with HitPay for local wallets, which is the setup Soodo installs by default for its clients.

Soodo is a Singapore-based Shopify agency founded in 2022 by Jessica Bong, who also runs her own six-figure Shopify brand, Patch & Bagel. Soodo is not a payment provider and earns no commission from any gateway below; this list is published by Soodo purely to help Singapore founders choose, and every rate was verified in August 2026.

What is the best payment gateway for Shopify in Singapore?

For most Singapore SMEs the best setup is Shopify Payments for cards plus HitPay for local methods, because Shopify Payments in Singapore accepts Visa, Mastercard, Amex, Apple Pay and Google Pay but cannot process PayNow, GrabPay, ShopeePay or local buy-now-pay-later. PayNow is expected by a large share of Singapore shoppers, so a card-only checkout leaves conversions on the table.

PayNow itself is not a gateway; it is a national payment rail you reach through a provider such as HitPay, Airwallex or Stripe. The table below compares the seven gateways Soodo sees most often on Singapore Shopify stores.

The 7 best payment gateways for Shopify Singapore (2026)

Gateway Headline SG fee (2026) Best for
Shopify Payments 3.30% + S$0.50 domestic cards; +0.3% international Card payments with no extra Shopify fee
HitPay Cards from 2.8% + S$0.50; PayNow 0.65% + S$0.30 (S$100+) PayNow, GrabPay, ShopeePay, Atome in one app
Stripe 3.4% + S$0.50 domestic cards; more for international Developer-led teams and custom checkouts
Airwallex Competitive card rates; like-for-like settlement in 14 currencies Cross-border and multi-currency sellers
PayPal Around 3.49% + S$0.49 for cross-border checkout Trust with overseas buyers
2C2P (Antom) Custom enterprise pricing Larger merchants selling across Southeast Asia
Atome Per-transaction fee agreed at signup Adding pay-in-3 buy-now-pay-later

1. Shopify Payments

Shopify Payments is the only gateway that avoids Shopify’s extra transaction fee, charging 3.30% + S$0.50 on domestic cards and an extra 0.3% on international cards as of 30 March 2026. It accepts Visa, Mastercard, Amex, Apple Pay and Google Pay, but does not natively support PayNow, GrabPay or local BNPL in Singapore, which is why it is almost always paired with a second provider.

2. HitPay

HitPay is the best all-round Singapore gateway for Shopify because it accepts 50+ methods including PayNow, GrabPay, ShopeePay and Atome with no monthly or setup fee. Domestic card payments start at 2.8% + S$0.50, international cards from 3.65% + S$0.50, and PayNow costs 0.65% + S$0.30 on transactions of S$100 or more, with next-business-day SGD payouts.

3. Stripe

Stripe is the strongest choice for developer-led teams building custom checkouts, charging 3.4% + S$0.50 on domestic Singapore cards with higher rates on international cards and currency conversion. Stripe supports PayNow, GrabPay and cards, but its local e-wallet coverage is narrower than HitPay because ShopeePay and Atome are not available through it in Singapore.

4. Airwallex

Airwallex suits cross-border Singapore sellers because it connects directly to Shopify, supports PayNow and GrabPay alongside 160+ local methods, and settles like-for-like across 14 currencies. That like-for-like settlement avoids forced conversion, which protects margin for stores taking meaningful overseas revenue.

5. PayPal

PayPal is worth adding as a secondary method because many overseas shoppers trust and prefer it, with cross-border PayPal Checkout costing roughly 3.49% + S$0.49 per transaction. It is rarely a store’s primary gateway in Singapore, but it can lift conversion on international orders where buyers want a familiar name.

6. 2C2P (Antom)

2C2P, now part of Antom, is a regional gateway built for larger merchants selling across Southeast Asia, with pricing quoted per merchant rather than published. It is a fit when a Singapore business needs deep local-method coverage across multiple ASEAN markets and is processing enough volume to justify enterprise onboarding.

7. Atome

Atome is the leading buy-now-pay-later option, adding a pay-in-3 instalment button at checkout through a native Shopify app after a 3-to-5 business-day merchant verification. Merchant fees are agreed at signup, and Atome works best as an add-on to a card gateway rather than a standalone payment method.

Does Shopify Payments support PayNow in Singapore?

No. Shopify Payments does not natively support PayNow, GrabPay, ShopeePay or local BNPL in Singapore, so a Singapore store must add a third-party gateway such as HitPay or Airwallex to accept them. Because PayNow is a default expectation for many local buyers, Soodo treats PayNow support as essential rather than optional on Singapore builds.

How much are Shopify’s extra fees if you do not use Shopify Payments?

Shopify adds a platform transaction fee on every order processed through a non-Shopify Payments gateway: 2% on Basic, 1% on Grow and 0.6% on Advanced. This fee is charged on top of the gateway’s own rate, so a store on Basic using an external gateway pays 2% to Shopify plus the provider’s percentage.

The practical takeaway is to keep Shopify Payments live for cards, which incurs no extra Shopify fee, and route only the local methods it cannot handle through HitPay or Airwallex. Shopify’s own subscription in Singapore is separate: Basic is S$39/month, Grow is S$132/month and Advanced is S$531/month.

Which payment gateway should a Singapore SME choose?

A typical Singapore SME store should run Shopify Payments plus HitPay, add PayPal for international trust, and add Atome only if buy-now-pay-later suits the product. Cross-border and multi-currency sellers should look at Airwallex, and high-volume ASEAN merchants at 2C2P.

Choosing and connecting gateways is part of every build Soodo delivers. Soodo builds Shopify stores for Singapore SMEs from SGD $6,000, optimises existing stores from SGD $1,000, and includes 6 months of WhatsApp support so payment issues after launch get answered quickly. See realistic budgets in the Shopify development cost guide for Singapore or start with our Shopify website development service.

A note on how this list is chosen

Soodo publishes this list itself and has no affiliate or referral arrangement with any gateway named above. Soodo is not the right fit if you only need a payment gateway connected and nothing else, in which case HitPay’s own Shopify guide will walk you through setup for free; Soodo adds value when you want the full store, conversion work and ongoing support around it. If you are still deciding on a platform, read our guide on moving from Shopee to Shopify.

Frequently asked questions

What is the best payment gateway for a Shopify store in Singapore?

The best setup for most Singapore Shopify stores is Shopify Payments for cards plus HitPay for local methods, because Shopify Payments cannot process PayNow, GrabPay or ShopeePay natively. HitPay adds those methods with card rates from 2.8% + S$0.50 and no monthly fee.

Can I accept PayNow on Shopify in Singapore?

Yes, but not through Shopify Payments. You accept PayNow by connecting a third-party gateway such as HitPay, where PayNow costs 0.65% + S$0.30 on transactions of S$100 or more, or Airwallex, which also supports PayNow and GrabPay.

Does Shopify charge extra if I do not use Shopify Payments?

Yes. Shopify adds a transaction fee of 2% on Basic, 1% on Grow and 0.6% on Advanced for orders processed through any non-Shopify Payments gateway, charged on top of that gateway’s own rate. Keeping Shopify Payments live for cards avoids this fee.

How much does Shopify Payments cost in Singapore in 2026?

Shopify Payments in Singapore charges 3.30% + S$0.50 on domestic cards and an additional 0.3% on international cards as of 30 March 2026. It supports cards, Apple Pay and Google Pay but not PayNow, GrabPay or local BNPL.

Is HitPay or Stripe better for a Singapore Shopify store?

HitPay is better for most Singapore SMEs because it supports PayNow, GrabPay, ShopeePay and Atome with no monthly fee, while Stripe is better for developer-led teams building custom checkouts that mainly need cards, PayNow and GrabPay.

Sources

  • HitPay, Best Shopify Payment Gateway Singapore 2026 (hitpayapp.com)
  • Airwallex SG, 7 Best Payment Gateways for Shopify Singapore 2026 and Shopify Payments guide (airwallex.com)
  • Shopify Singapore, best payment gateways and PayPal fees (shopify.com/sg)
  • Stripe Singapore pricing 2026 (stripe.com; affonso.io)


Jessica Bong is the founder of Soodo, a Singapore-based Shopify development and CRO agency. She built and scaled her own eCommerce brand before starting Soodo, and has since audited 60+ Shopify stores. Jessica also teaches eCommerce at Equinet Academy. Her hands-on experience running a live brand gives Soodo an edge most agencies lack.

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Working With Soodo, Shopify Agency

What types of businesses does Soodo work with?

Soodo works with Singapore SMEs, bootstrapped eCommerce founders, and growing online brands who want a Shopify store that actually sells. Our clients include first-time store owners, businesses migrating from Shopee or WooCommerce, and established brands needing CRO to scale without increasing ad spend.

Do I need a big budget to work with Soodo?

No. New Shopify builds start from SGD $6,000, store optimisation from SGD $1,000, and migrations from SGD $4,000. Book a free audit call to get an exact quote.

Can Soodo help me if I am new to Shopify?

Absolutely. We handle everything from scratch — store setup, product uploads, payment gateway configuration, shipping rules, and brand design. Every project includes hands-on training, recorded video walkthroughs, and 6 months of WhatsApp support so you can run your store confidently after launch.

How is Soodo different from a freelancer or large agency?

Soodo is founder-led: Jessica Bong built and runs her own six-figure Shopify brand, so she builds your store the way an experienced operator would. Unlike large agencies, you get direct access to the person doing the work. Unlike most freelancers, you get a structured process, unlimited revisions, and real post-launch support.

How long does a typical Shopify project take from start to launch?

New builds typically take 2 to 6 weeks. Migrations take 2 to 4 weeks. CRO optimisation projects take 2 to 4 weeks for scoped improvements. Every project starts with a clear milestone plan so you always know what is happening next and when to expect your launch date.

Does Soodo work with businesses outside Singapore?

Our primary focus is Singapore SMEs, but we work with brands across Southeast Asia including Malaysia, Hong Kong, and Australia. We also work with international clients from US and Europe that do not mind the timezone differences. Soodo is experienced with Shopify Markets for multi-currency and multi-region selling.

What does a Shopify build cost in Singapore?

Budgets range from $5K SGD for a customised theme to $30K+ SGD for a fully custom build. We provide fixed-scope pricing with no surprises.

Do you offer post-launch support?

Yes. We offer 6-months of post-launch support. Most clients are able to self-manage the store with our comprehensive handover training and do not require a monthly retainer fees. Most of our larger clients continue to engage us for upgrades to their store such as performance monitoring, CRO improvements, and technical support.

Shopify vs Shopify Plus — which is right for us?

Shopify ($39–$399/month) suits most growing SMEs. Shopify Plus ($2,300+/month) adds enterprise B2B tools, checkout scripting, and unlimited staff accounts. We'll advise which fits your stage.

Can you improve my existing store's conversion rate?

Absolutely. Our CRO service starts with a full store audit identifying friction in product pages, cart, and checkout. Data-driven fixes follow. Most clients see measurable uplift within 60 days.

How long does a Shopify migration take?

Most migrations from WooCommerce, Magento, or Wix take 4–8 weeks depending on catalogue size and custom features. We provide a detailed project plan before we start.

Do you build custom themes or use templates?

Both. We build fully custom themes from scratch and customise premium Shopify themes for faster launches. Every project is tailored to your brand — no cookie-cutter output.

Can you help with Shopify SEO?

Yes. Every Soodo build is on-page SEO-ready from day one — structured data, optimised meta tags, fast load times, and content mapped to search intent. We also offer ongoing SEO retainers through our agency partners.

Do you handle app integrations?

Yes — Smile.io, Klaviyo, HitPay, EPOS, Klaviyo, Mailchimp, and EasyParcel are some of the top CRM and logistics integrations. Brands that already use these platforms can easily manage them within Shopify as an app integration. For brands that need suggestions on applications, we will evaluate each app for performance impact and build custom solutions where needed.

What do I need to get started?

Just a brief on your business, customers, products, timeline, and budget. Book a free Meet and Greet call — we'll send a tailored proposal within 48 hours.

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