7 best payment gateways for Shopify Singapore (2026)

Key Takeaways:

• Shopify Payments is available in Singapore but doesn't natively support PayNow¹, so most Singapore merchants end up adding a third-party gateway anyway.

• When you use a third-party gateway, Shopify charges an extra transaction fee on every sale on top of your gateway's own processing fee.

• Airwallex connects directly to your Shopify store, supports PayNow and GrabPay alongside 160+ local payment methods, and settles like-for-like in 14 currencies, so you don't incur unnecessary FX fees on every international sale.

Picking the best payment gateway for your Shopify store in Singapore matters more once your sales start to grow.

This article breaks down the payment gateways most relevant to Singapore Shopify merchants. You'll see what each one actually costs at different sales volumes, which local and international payment methods they support, and how they handle multi-currency settlement.

If you’d like a full walkthrough of building a Shopify store in Singapore, see our Shopify Singapore setup guide.

7 best payment gateways for Shopify in Singapore

Here are the seven gateways most relevant to Singapore Shopify merchants in 2026.

Use the table below for a quick scan, then read the breakdowns for the providers you're shortlisting:

This information is based on publicly available information accessed on 8 Oct 2026. Information reflects Airwallex's own research and has not been independently verified.

1. Shopify Payments

Shopify Payments is the payment gateway built directly into Shopify, making it a straightforward choice for Singapore merchants that want to manage payments from their Shopify admin.

It supports major cards, Apple Pay, Google Pay and Shop Pay, with selected local payment methods also available depending on your store and customer location.

It works best for businesses that want a simple, native Shopify setup and don't need extensive local payment-method coverage. PayNow is not currently available through Shopify Payments in Singapore, although GrabPay is available in early access for eligible stores.¹

Information in this section is based on Shopify’s official website as of 8 Oct 2026.

2. Airwallex

Airwallex is a payment gateway for Shopify merchants that sell internationally and want more control over their foreign currency revenue. It integrates with Shopify and supports like-for-like settlement in 14 currencies, allowing merchants to receive payments in other currencies instead of automatically settling in SGD.

For example, say you're earning USD from US customers and paying for US software or advertising in USD. Being able to hold and spend your USD revenue directly helps you avoid unnecessary currency conversions, and save on FX fees.

Airwallex also supports 160+ local payment methods, including such as PayNow, GrabPay, Alipay and WeChat Pay. It offers POS payments for those that sell both online and in-person, with unified reporting so that you can review and reconcile online and in-store transactions. 

3. Stripe

Stripe is a strong choice for Shopify businesses that sell internationally and want access to a broad range of payment methods through one payment platform.

It supports cards alongside Singapore payment methods such as PayNow and GrabPay, as well as international wallets including Alipay and WeChat Pay.

Stripe is particularly well suited to businesses with more complex payment needs or plans to expand into multiple markets. It also has a large developer ecosystem and supports features such as Stripe Checkout, Payment Links and multi-currency settlement for eligible Singapore businesses.

Information in this section is based on Stripe’s official website as of 8 Oct 2026.

4. PayPal

PayPal is a useful option for Shopify businesses that sell internationally and want to give customers a familiar alternative to entering their card details.

It lets merchants accept payments through PayPal as well as cards, and is particularly relevant for stores whose customers already use PayPal in their home markets.

PayPal works best as an additional payment option for internationally focused stores rather than as a Singapore-first gateway. It does not provide the same range of local payment methods as providers such as Airwallex.

Information in this section is based on PayPal’s official website as of 8 Oct 2026.

5. Adyen

Adyen is an enterprise-focused payment platform designed for businesses processing payments at scale across multiple markets and sales channels.

Its Shopify integration connects merchants to Adyen's global payment infrastructure, while businesses can also use Adyen for online and in-person payments through the same platform.

Note that unlike most third-party gateways, Shopify currently limits Adyen's Shopify integration to organisations that already have Adyen approval. Not all of Adyen's payment methods are available through its Shopify integration either, so merchants should check that the methods they need are supported.⁸

Information in this section is based on Adyen’s official website as of 8 Oct 2026.

6. HitPay

HitPay is a Singapore-based payment platform focused on small and medium-sized businesses.

It is particularly well suited to Shopify merchants that want to offer a broad selection of local payment methods, including PayNow, GrabPay, ShopeePay and buy now, pay later options.

HitPay also supports payment links, invoices and other payment tools beyond online checkout, making it useful for businesses that take payments through multiple channels. Its Shopify integration lets merchants manage these payments through the same HitPay account.

Information in this section is based on HitPay’s official website as of 8 Oct 2026.

7. FomoPay

FomoPay is a Singapore-based payment provider that focuses on helping businesses accept and make payments across Asia. It supports a range of local and cross-border payment methods, including PayNow, Alipay and WeChat Pay.

FomoPay is best suited to established businesses that serve customers across Asian markets and need more than basic card processing. Its payment solutions can support both online and in-person payments, making it a potential fit for businesses with multiple sales channels.

Information in this section is based on FomoPay’s official website as of 8 Oct 2026.

How Shopify payment gateway fees work at higher volumes

If you're comparing Shopify payment gateway fees in Singapore, don't look at the gateway's processing rate alone.

When you use a third-party payment provider, you may also pay Shopify's third-party transaction fee, and that fee changes depending on your Shopify plan.

How Shopify payment gateway fees work

With Shopify Payments, you pay Shopify's payment processing fee.

If you use a third-party gateway such as Stripe, Airwallex or HitPay, you pay the gateway's processing fee plus Shopify's third-party transaction fee on transactions processed through that provider.

For example, a merchant using Stripe on Shopify's Basic plan would pay Stripe's processing fee plus Shopify's 2% third-party transaction fee. That extra Shopify fee can make a third-party gateway considerably more expensive at lower sales volumes, depending on the provider's own rates.

Does upgrading your Shopify plan reduce payment gateway fees?

Yes. Shopify's third-party transaction fee falls from 2% on Basic to 1% on Grow, 0.6% on Advanced and 0.2% on Plus.² Shopify Payments' standard online card rate also falls as you move to a higher plan, but by a smaller amount.

Rates shown are Shopify's current Singapore rates for online standard card transactions. Check Shopify's pricing page for the latest rates and any rates that apply specifically to your store.

This means the cost difference between Shopify Payments and a third-party gateway can change significantly as your store grows.

On Basic, the additional 2% Shopify fee can make a third-party gateway less attractive. On Advanced or Plus, the smaller third-party fee gives you more room to choose a gateway based on its payment methods, international coverage, FX features or lower processing rates.

Can you use a third-party payment gateway on Shopify Plus?

Yes. Shopify supports third-party payment providers across its plans, including Shopify Plus. You can also use Shopify Payments alongside a third-party provider in supported setups, although different fees and payment-method rules apply.

For high-volume stores, this means you don't necessarily have to stick with Shopify Payments as your business grows. Compare the total payment cost before you make your decision.

What to look for in a Shopify payment gateway in Singapore

Once you know how Shopify's payment fees work, the next step is to compare what each gateway actually offers. Here are four things to look at:

1. Total transaction cost

As covered above, compare the gateway's processing fee with Shopify's third-party transaction fee, plus any additional FX or Shopify-specific fees that apply.

2. Local payment methods such as PayNow and GrabPay

If you're selling to customers in Singapore, check which local payment methods the gateway supports. PayNow is particularly important to consider, while GrabPay can give customers another way to pay without using a card.

The providers in this guide vary in their local payment-method coverage. Check whether the specific methods you want are available through the provider's Shopify integration, rather than assuming they're supported simply because the provider offers them elsewhere.

For a deeper look at how customers in Singapore pay online, see our guide to payment methods in Singapore.

3. Currency support and FX

If you only sell in Singapore, currency support may not be a major concern. But if you sell internationally, check which currencies your gateway can accept, how it handles currency conversion and whether you can receive or hold funds in foreign currencies before converting them to SGD.

These differences can have a bigger impact as your international sales grow, so don't compare gateways on their card processing rates alone.

4. Shopify integration

Look for a gateway with a supported Shopify integration rather than one that requires you to build your own connection. A native app or supported plugin generally makes setup easier and reduces the technical work involved in getting payments running.

Also check whether the payment methods you need are available through that Shopify integration, as a provider's full range of payment methods may differ from what it offers on Shopify.

Why Singapore businesses choose Airwallex

Singapore has a relatively small domestic market, so many businesses eventually look overseas for customers and growth.

For Shopify businesses that sell internationally, Airwallex is a strong fit because it lets you accept payments from customers in 180+ countries through 160+ local payment methods, while also supporting in-store payments and international transfers.

Here’s what you can do with Airwallex:

Accept payments in 180+ countries

Airwallex supports 160+ local payment methods across 180+ countries, including cards, digital wallets and local payment methods. You can use one payment gateway as you expand into new markets, instead of finding a new provider for every country.

Connect online and in-store payments

If you also have a physical store, Airwallex lets you connect your online payments with Airwallex POS. In Singapore, its POS supports cards, Apple Pay, Google Pay, WeChat Pay and PayNow, giving you one platform for both online and in-store payments.

Pay overseas suppliers in 200+ countries

Selling internationally often means sourcing internationally too. Airwallex lets you transfer funds to 200+ countries, so you can pay overseas suppliers or contractors from the same platform you use to manage your payments. Plus, 94% of our transfers go through local rails with $0 transfer fees.

Frequently asked questions (FAQs)

Does Shopify Payments support PayNow in Singapore?

No. Shopify Payments does not natively support PayNow in Singapore. To accept PayNow on your Shopify store, you'll need to add a third-party gateway that does, such as Airwallex. Shopify will charge its third-party transaction fee on those orders, between 0.2% and 2% depending on your plan.²

Does Shopify charge transaction fees in Singapore?

Yes. Shopify charges an additional transaction fee on every order processed through a non-Shopify Payments gateway: 2% on Basic, 1% on Grow, 0.6% on Advanced, and 0.2% on Plus.² This is on top of your gateway's own processing fee. Only Shopify Payments waives this fee.

Should I switch from Shopify Payments to a third-party gateway?

It depends on your sales mix and your Shopify plan. If you sell mainly in SGD on a Basic or Grow plan, Shopify Payments is usually the cheaper option because you avoid the 1–2% third-party transaction fee.² If you sell internationally, however, a gateway such as Airwallex may make more sense because it can settle payments in 14 currencies, helping you avoid converting every foreign-currency sale back to SGD. The potential FX savings become more relevant as your international sales grow.

Can I use two payment gateways on Shopify at the same time?

Yes. Shopify allows you to use Shopify Payments alongside a direct third-party payment provider. This can let you offer additional payment methods through a provider such as Airwallex while keeping Shopify Payments available for methods it supports. However, transactions processed through the third-party provider are still subject to Shopify's third-party transaction fee.¹

Do I need to be on Shopify Plus to use a third-party payment gateway?

No. You can use a third-party payment provider on Shopify's Basic, Grow, Advanced and Plus plans. The Shopify transaction fee varies by plan: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus.² These fees are charged in addition to the payment provider's own processing fees.

Sources:

1. https://help.shopify.com/en/manual/payments/shopify-payments/supported-countries/singapore/payment-methods

2.  https://www.shopify.com/sg/pricing

3.  https://stripe.com/sg/pricing

4.  https://www.paypal.com/sg/business/paypal-business-fees

5.  https://www.adyen.com/pricing

6.  https://hitpayapp.com/sg/pricing

7.  https://www.fomopay.com

8. https://help.shopify.com/en/manual/payments/third-party-providers/adyen-gateway