PayNow and GrabPay on Shopify in Singapore

Information checked as of 2 October 2026

Sooner or later a Singapore customer asks the question: "Can I PayNow you?" Shopify's own checkout handles cards and wallets well, but PayNow isn't on its list, and GrabPay is there only for some stores. So most Singapore merchants who want local methods add a second payment provider. This guide covers what Shopify Payments includes in Singapore, which providers fill the gap, and how to set up, test, refund and reconcile without surprises.

The short answer

• Shopify Payments works in Singapore. It takes Visa, Mastercard, American Express and UnionPay, plus Apple Pay, Google Pay and Shop Pay.
• PayNow isn't included. To take PayNow you add a third-party provider such as HitPay, or set PayNow up as a manual payment method.
• GrabPay is in early access with Shopify Payments. If it isn't in your settings, a third-party provider can add it.
• You can't connect your own Stripe account to Shopify checkout in Singapore. Shopify says standalone Stripe isn't available in countries where Shopify Payments is.

What PayNow is, and one rule to know

PayNow is Singapore's instant transfer service. The Association of Banks in Singapore (ABS), which runs the scheme, describes it as a way for customers of participating banks and major payment institutions to send Singapore dollars instantly through FAST, using a mobile number, NRIC/FIN or Virtual Payment Address instead of an account number. Businesses receive PayNow through PayNow Corporate by linking their UEN. The Monetary Authority of Singapore (MAS) describes PayNow as an addressing service that runs on top of FAST, available 24/7.

For online checkout, the usual flow is a QR code. The customer scans it in their banking app and confirms the payment.

The rule: you can't charge customers extra for paying by PayNow. ABS prohibits merchants from adding a surcharge to PayNow payments, and MAS confirmed that rule in a 2025 parliamentary reply. Whatever your provider charges you for PayNow is your cost to price in, not a fee to add at checkout.

What Shopify Payments covers in Singapore

Shopify's Help Center lists these methods for Singapore:

• Cards: Visa, Mastercard, American Express and UnionPay, switched on automatically when you activate Shopify Payments.
• Accelerated checkouts: Apple Pay, Google Pay and Shop Pay.
• Local payment methods, which you turn on yourself: Bancontact, iDEAL | Wero, MB WAY, Przelewy24 and Satispay for customers in those European countries, and GrabPay (early access) for customers in Singapore paying in SGD.
• Crypto: USDC, subject to regional availability.

PayNow isn't on the list. Several independent Singapore payment guides, including Airwallex's, say the same.

About GrabPay: Shopify says it's in early access and isn't available to every eligible store. If it doesn't appear in your Shopify Payments settings, your store isn't in the programme yet. Where it is available, Shopify notes some limits:

• Your Shopify Payments account must be in Singapore, and customers must be in Singapore paying in SGD.
• It works for one-time purchases in your online store. It isn't available in Shop Pay, the Shop app or Shopify POS, and it can't be used for subscription products.
• Payments are captured automatically, and you can refund from your Shopify admin for up to 90 days.

To use Shopify Payments at all, Shopify requires a full SGD checking account with a Singapore bank that can receive FAST or RTGS transfers.

Why you can't just plug in your own Stripe account

Elsewhere in the world, Stripe is a common way to add PayNow and GrabPay. Stripe's own docs list both for Singapore businesses: PayNow as a QR code the customer scans, and GrabPay as a redirect to Grab to approve the payment.

On Shopify, though, that route is closed. Shopify's Help Center says that if Shopify Payments is supported where your business is located, Stripe won't be available for you to activate, because Stripe is Shopify Payments' banking partner. It adds that if you can't use Shopify Payments, for example because of what you sell, standalone Stripe isn't an alternative either. Singapore is a Shopify Payments country, so plan on Shopify Payments for cards and another listed provider for PayNow.

Stripe can still be useful outside your Shopify checkout, for example for Payment Links or invoices, but that's a separate system to reconcile.

Option 1: HitPay

HitPay is a Singapore payments company with a Shopify app, HitPay Payment Gateway, in the Shopify App Store. The app is free to install, and HitPay bills its transaction fees separately from your Shopify invoice. HitPay appears in Shopify's list of payment providers for Singapore.

Methods. HitPay's Shopify docs list the methods you can test in sandbox mode: PayNow, cards, ShopeePay, GrabPay, GrabPay PayLater, Atome and DOKU QRIS. Apple Pay and Google Pay appear once a customer picks cards, and only in browsers that support them. What your customers actually see depends on what's activated on your HitPay account, and HitPay says PayNow is on by default for Singapore businesses.

How it looks at checkout. HitPay shows up as a payment option in your Shopify checkout. The customer then chooses a method on HitPay's checkout page.

Setup, per HitPay's docs:

1. Create a HitPay account and activate the payment methods you want.
2. Install HitPay Payment Gateway from the Shopify App Store and click Add app.
3. Log in to HitPay when it redirects you, then return to your Shopify admin and click Manage on the HitPay app.
4. Pick the method logos to show at checkout, then click Activate app.
5. In the HitPay dashboard, go to Integrations, select Shopify, and choose which methods to offer.

Limits worth knowing:

• The logos you tick in Shopify are for display only. Tick only the methods that are live on your account, or customers will look for options that aren't there.
• You can't rename "HitPay Payment Gateway" at checkout. HitPay says that's a Shopify limitation.
• HitPay doesn't send its own receipt for Shopify orders, because Shopify already sends the order confirmation.
• HitPay's docs mention an extra surcharge on payments made through the Shopify plugin, on top of its standard pricing. Check its pricing page and ask HitPay what applies to you.

Option 2: other providers in Shopify's Singapore list

Shopify's payment provider directory, filtered to Singapore, lists dozens of providers. A few that come up for local methods:

• Airwallex. Its docs list PayNow (Singapore merchants) and GrabPay (Malaysia and Singapore merchants) as available on Shopify. The Additional Payments app shows local methods directly in Shopify checkout before handing off to the provider. The Online Payments app sends customers to an Airwallex page instead.
• 2C2P. You install it from Settings > Payments in your Shopify admin. 2C2P then configures the integration on its side using your myshopify.com address, and customers are sent to a 2C2P page to pay. Ask 2C2P which Singapore methods it will turn on for your store.
• Grab Checkout. Grab says its checkout solutions, which cover GrabPay and PayLater, include a pre-built Shopify integration. Grab Checkout is in Shopify's Singapore list.
• Adyen. Shopify limits Adyen to organisations that already have Adyen approval. Adyen's list of methods for its Shopify app includes GrabPay for Singapore, but not PayNow.

Before you sign up, confirm two things with the provider: that the method you want is supported in its Shopify integration, not just its own checkout, and how its payouts arrive.

Option 3: PayNow as a manual payment method

Shopify lets you create a custom manual payment method. You name it, say "PayNow", and add payment instructions, such as your UEN or a PayNow QR code. Customers see the instructions on the order confirmation page. Shopify marks those orders unpaid until you mark them paid, and it doesn't charge third-party transaction fees on manual payments.

The trade-off is work: no automatic confirmation, so you match each bank transfer to an order by hand before you ship. That's fine for low volume or B2B orders, and tiring by the fiftieth order of a sale weekend. The no-surcharge rule still applies.

Fees: where to look

Rates change, so we won't quote them. There are usually two layers:

• Shopify's third-party transaction fee. Shopify says it applies to all third-party and alternative payment gateways, even when Shopify Payments is active. With Shopify Payments active, PayPal and manual payments are excluded. The rate depends on your plan: see Shopify's Singapore pricing page.
• The provider's own fees. See HitPay pricing, Airwallex pricing and Stripe's Singapore pricing. Ask 2C2P, Grab and Adyen for a quote.

A common setup is Shopify Payments for cards and wallets, with one extra provider just for PayNow (and GrabPay if Shopify hasn't offered it to you yet). Shopify says third-party providers can run alongside Shopify Payments. For a wider look at what running a store costs, see what Shopify and WooCommerce actually cost.

Test before you go live

• Use test mode. HitPay's plugin has a test mode that simulates transactions for its sandbox-supported methods. HitPay also runs a demo Shopify store if you just want to see the flow.
• Test every method on a phone and on a desktop. A QR code on a desktop screen is easy to scan with a phone. On mobile the customer is already on the phone, so see how your provider handles that.
• Abandon a payment on purpose. Start a PayNow or GrabPay payment, then walk away. Shopify's GrabPay doc says an order isn't paid if the customer doesn't finish in GrabPay, so check that the order shows as unpaid and that you'd know not to ship it.
• Check the logos. Make sure the badges at checkout match the methods that are actually live.

If you're still setting the store up, our step-by-step guide to starting a Shopify store covers where payments fit in the launch order. For how much of Shopify's checkout you can and can't change, see changing checkout on Shopify and WooCommerce.

Refunds and reconciliation

• Refund from your Shopify admin, not the provider's dashboard. HitPay says a refund started in its dashboard won't mark the Shopify order as refunded, so you'd have to update it by hand. Airwallex says the same: refund from Shopify, or the status may not sync.
• Know your refund window. Shopify allows GrabPay refunds through Shopify Payments for up to 90 days. Stripe's docs give 90 days for PayNow and GrabPay. Check your own provider's terms.
• Refunds can fail. Shopify's GrabPay doc and Stripe's docs both warn that if a refund fails and can't be retried, you'll need to refund the customer another way. Check the final status before you tell the customer it's done.
• Match payouts by provider. Shopify Payments payouts (which include GrabPay orders if you're in the early access) arrive separately from your PayNow provider's payouts. HitPay gives each Shopify transaction a payment ID that appears in both HitPay's reports and Shopify's order export, which makes matching easier.

Sorting out tax settings too? Our guide to GST on a Singapore Shopify store covers registration, GST-inclusive prices and invoices.

FAQ

Does Shopify Payments support PayNow in Singapore?

No. Shopify's Singapore payment methods page lists cards, Apple Pay, Google Pay, Shop Pay, a set of local methods and USDC, but not PayNow. To take PayNow, add a third-party provider listed for Singapore, such as HitPay, or set PayNow up as a manual payment method and confirm each transfer yourself.

Can I accept GrabPay with Shopify Payments?

Possibly. Shopify lists GrabPay as an early-access local payment method for Singapore Shopify Payments accounts, for customers in Singapore paying in SGD. It isn't available to every store. If it isn't in your Shopify Payments settings, a third-party provider such as HitPay or Grab's own checkout integration can add it.

Can I use my own Stripe account on Shopify in Singapore?

Not for Shopify checkout. Shopify says Stripe won't be available to activate in countries where Shopify Payments is supported, because Stripe is Shopify Payments' banking partner. Stripe does support PayNow and GrabPay for Singapore businesses, but on Shopify you'd use Shopify Payments plus another listed provider.

Can I charge customers extra for paying by PayNow?

No. The Association of Banks in Singapore, which owns the PayNow scheme, prohibits merchants from adding surcharges to PayNow payments, and MAS confirmed this in a 2025 parliamentary reply. Build your provider's fees into your prices instead.

Do third-party payment providers cost more on Shopify?

Usually there's an extra layer. Shopify charges a third-party transaction fee on third-party and alternative gateways, even when Shopify Payments is active. Manual payments are excluded. Your provider also charges its own fees. Check Shopify's pricing page and the provider's pricing page for current rates.

If you're setting up a Singapore store, a Shopify trial lets you build it, connect payments and run test orders before you launch.

Start a Shopify trial →

References

Rates, features and rules change, so check the live page before you act on anything here.

1. Customer payment methods with Shopify Payments in Singapore, Shopify Help Center. Accessed 2 Oct 2026.
2. GrabPay (Shopify Payments local payment method), Shopify Help Center. Accessed 2 Oct 2026.
3. Requirements when using Shopify Payments for Singapore, Shopify Help Center. Accessed 2 Oct 2026.
4. Understanding payment gateway availability, Shopify Help Center. Accessed 2 Oct 2026.
5. Third-party payment providers, Shopify Help Center. Accessed 2 Oct 2026.
6. Manual payment methods, Shopify Help Center. Accessed 2 Oct 2026.
7. Using Adyen on Shopify, Shopify Help Center. Accessed 2 Oct 2026.
8. Online payment gateways and payment provider integrations (Singapore), Shopify. Accessed 2 Oct 2026.
9. Pricing, Shopify Singapore. Accessed 2 Oct 2026.
10. Shopify plugin, HitPay Docs. Accessed 2 Oct 2026.
11. PayNow, HitPay Docs. Accessed 2 Oct 2026.
12. HitPay Payment Gateway, Shopify App Store. Accessed 2 Oct 2026.
13. Pricing, HitPay. Accessed 2 Oct 2026.
14. PayNow, Stripe Docs. Accessed 2 Oct 2026.
15. GrabPay, Stripe Docs. Accessed 2 Oct 2026.
16. Pricing and fees (Singapore), Stripe. Accessed 2 Oct 2026.
17. Payment method availability (plugins), Airwallex Docs. Accessed 2 Oct 2026.
18. Install Airwallex Additional Payments app, Airwallex Docs. Accessed 2 Oct 2026.
19. Shopify, Airwallex Docs. Accessed 2 Oct 2026.
20. Pricing, Airwallex Singapore. Accessed 2 Oct 2026.
21. 7 best payment gateways for Shopify Singapore, Airwallex Blog. Accessed 2 Oct 2026.
22. Shopify, 2C2P Developer Docs. Accessed 2 Oct 2026.
23. Grab checkout solutions, Grab Singapore. Accessed 2 Oct 2026.
24. Supported payment methods (Shopify plugin), Adyen Docs. Accessed 2 Oct 2026.
25. PayNow, The Association of Banks in Singapore. Accessed 2 Oct 2026.
26. Non-bank financial institutions to have access to FAST and PayNow (30 Nov 2020), Monetary Authority of Singapore. Accessed 2 Oct 2026.
27. Written reply to parliamentary question on PayNow transaction surcharges (14 Oct 2025), Monetary Authority of Singapore. Accessed 2 Oct 2026.