Disclosure: ChaChaCha is a POS vendor, powered by AppsPOS, and competes with HitPay. We only used information published on HitPay’s own website, checked on 28 September 2026. Prices change, so confirm them with HitPay before you decide.
- HitPay charges per successful transaction, with no setup fee and no monthly fee, according to its Singapore pricing page.
- In-person rates are lower than online rates: domestic cards are 2.5% + S$0.50 in person and 2.8% + S$0.50 online. In-person PayNow is 0.4% with a S$0.10 minimum.
- Online PayNow has a S$100 threshold: 0.9% (minimum S$0.20) below S$100 and 0.65% + S$0.30 from S$100.
- Software such as Point of Sale adds 0.2% on top of processing, and terminals are one-off purchases from free (Tap to Pay) to SGD 700.
- Because the fixed S$0.50 card fee is the same on every sale, small tickets pay a higher percentage. Work out your own mix before comparing with a subscription POS.
Last reviewed: September 2026. Prices checked on 28 September 2026 on HitPay’s Singapore pricing page. The page does not say whether its rates include or exclude GST, so ask HitPay.
HitPay pricing looks simple: no monthly fee, pay when you get paid. For many small businesses that is exactly right. But a fee-only model behaves very differently from a subscription POS once you look at ticket sizes, payment mix and volume. This guide sets out HitPay’s published Singapore rates as they stood on the day we checked, explains what the HitPay price means for a café at different ticket sizes (with hypothetical figures), and shows how to compare it fairly with a subscription system. If you are already weighing options, our HitPay POS alternatives guide covers the wider field.
How HitPay pricing works
HitPay describes a pay-per-transaction model. Its pricing page says businesses can start accepting payments without setup or subscription fees, and pay only when a payment is successfully processed. The rate depends on three things:
- Channel: online (website, app, payment links), in person (HitPay card terminals and Tap to Pay) or recurring (subscriptions).
- Payment method: domestic cards, international cards, PayNow, e-wallets such as GrabPay and ShopeePay, and buy-now-pay-later options such as Atome.
- Software used: HitPay’s own tools, including Point of Sale, Online Store, Invoicing and Payment Links, each add a percentage on top of processing.
There is also a custom pricing route. HitPay says it offers custom rates to Singapore businesses averaging more than S$50,000 a month in volume over the last six months.
HitPay in-person rates: card terminal and Tap to Pay
For a café, restaurant or shop, the in-person table matters most. HitPay says these rates cover both its card terminals and Tap to Pay on a phone. As published on 28 September 2026:
| Payment method (in person) | Rate as published |
|---|---|
| Domestic cards (Visa, Mastercard, Amex, Apple Pay, Google Pay) | 2.5% + S$0.50 |
| International cards | 3.2% + S$0.50 |
| PayNow | 0.4% (minimum S$0.10) |
| GrabPay | 2.2% |
| PayLater by Grab | 5% |
| ShopeePay | 1.8% |
| SPayLater | 5% |
| WeChat Pay | 1.5% |
| Atome | 5.5% |
| ShopBack | 5% |
HitPay’s own worked example on the page: a S$100 in-person domestic card payment costs S$3.00 in fees, so the merchant receives S$97.00. NETS is not listed in the in-person table on the pricing page, so if your customers pay by NETS, ask HitPay how it handles them.
HitPay online rates and the PayNow S$100 threshold
Online rates apply to your website, app and payment links, which matters if you take pre-orders, catering deposits or online orders.
| Payment method (online) | Rate as published |
|---|---|
| Domestic cards | 2.8% + S$0.50 |
| International cards | 3.65% + S$0.50, plus 2% on foreign currency transactions |
| PayNow, below S$100 | 0.9% (minimum S$0.20) |
| PayNow, S$100 and above | 0.65% + S$0.30 |
| GrabPay | 3% |
| PayLater by Grab | 5.5% |
| ShopeePay | 3% |
| SPayLater | 5% |
| Atome | 5.5% |
| ShopBack | 3.9% + S$0.20 |
| WeChat Pay | 1.5% |
| UPI | 2% |
The PayNow threshold is easy to miss. On those published rates, a S$30 online PayNow order costs S$0.27, a S$99 order about S$0.89 and a S$100 order S$0.95. Recurring payments have their own table, including GIRO at $2.25 + 0.65%. Our guide to accepting PayNow as a business explains the options beyond any one provider.
Software add-ons, terminals and other HitPay fees
HitPay lists these as additional fees on top of payment processing:
- Business software: Payment Links, Invoicing, Online Store, Point of Sale and Recurring Billing, 0.2% each.
- Plugins: most e-commerce and accounting plugins 0.2% (Xero, WooCommerce, Wix and others), with one listed at 0.5%.
- Refunds: no extra fee, but the original transaction fee is not refunded.
- Chargebacks: a chargeback fee applies, with rates by market on a separate page. HitPay says fraud monitoring and dispute management are at no extra cost.
- Payouts: non-card balances pay out on T + 1 calendar day; card balances from T + 1, with the final schedule set by HitPay’s compliance team case by case.
Hardware is bought once, with no monthly rental according to the page’s FAQ. The Singapore terminal list showed:
| Device | Price as published | What the page lists |
|---|---|---|
| Tap to Pay | Free | Runs on a supported iOS or Android phone |
| HitPay SoundBox | SGD 30 | Wifi and cellular, static QR |
| WisePad 3 | SGD 85 | Bluetooth, insert card, QR code |
| FlexiPOS | SGD 500 | Wifi, insert and swipe card, QR code, customer display support |
| HitPay All-in-One | SGD 500 | Wifi and Ethernet, tap, insert and swipe, built-in receipt printer and barcode camera |
| HitPay POS MAX | SGD 700 | Wifi and cellular, tap, QR, built-in printer, customer display |
The FAQ on the same page also lists an “All-in-One (Global)” at SGD 680, so confirm which model and price applies to your order. For more on devices generally, see our payment terminal guide.
What a café might pay: hypothetical worked examples
These figures are our arithmetic on HitPay’s published in-person rates. They are hypothetical, not quotes, and they include the 0.2% Point of Sale fee in the second column in case it applies to your set-up (confirm with HitPay).
| Ticket size | Domestic card fee | Card fee with 0.2% POS | PayNow fee | PayNow fee with 0.2% POS |
|---|---|---|---|---|
| S$6 | S$0.65 (10.8%) | S$0.66 (11.0%) | S$0.10 | S$0.11 |
| S$12 | S$0.80 (6.7%) | S$0.82 (6.9%) | S$0.10 | S$0.12 |
| S$25 | S$1.13 (4.5%) | S$1.18 (4.7%) | S$0.10 | S$0.15 |
| S$40 | S$1.50 (3.8%) | S$1.58 (4.0%) | S$0.16 | S$0.24 |
| S$100 | S$3.00 (3.0%) | S$3.20 (3.2%) | S$0.40 | S$0.60 |
The pattern is clear. The fixed S$0.50 per card payment weighs heavily on small tickets. A kopi-and-toast counter with S$6 average card sales pays far more as a percentage than a restaurant averaging S$40. PayNow is far cheaper per sale on these rates.
Hypothetical café A: 2,400 sales a month at S$12, 60% by domestic card and 40% by PayNow, S$28,800 in sales. Including the 0.2% POS fee, that is about S$1,187 on cards and S$119 on PayNow, roughly S$1,306 a month, or about 4.5% of sales.
Hypothetical restaurant B: 800 sales a month at S$45, same mix, S$36,000 in sales. About S$823 on cards and S$86 on PayNow, roughly S$910 a month, or about 2.5% of sales.
Your own figure depends entirely on your ticket size and how customers pay. Pull a month of payment data from your current system and run it through the published table, or use HitPay’s own pricing calculator.
Fee-only vs subscription POS: how to compare fairly
A fee-only model and a subscription POS put costs in different places, so compare total monthly cost, not headline rates. Our HitPay and Shopify POS guide makes that comparison for retail shops. Our HitPay vs Qashier guide compares a payments-first provider with a daily subscription.
- Fee-only total = processing fees on your real payment mix + software percentages + one-off hardware spread over its life.
- Subscription total = monthly software fee + processing fees from the payment provider it uses + hardware (bought, rented or bundled) + any set-up or support fees.
- Compare at your volume, then at 1.5 times your volume. Percentage fees grow with sales; fixed subscriptions do not. The answer can flip as you grow.
- Add what you would pay elsewhere. If one option needs a separate kitchen display, QR ordering or loyalty tool, add those costs too. Our HitPay vs Eats365 guide shows where a restaurant POS priced per module fits.
Our POS system cost guide has a full cost checklist, and the POS cost calculator helps you set the numbers side by side.
What to ask HitPay before you sign, and how to read HitPay reviews
- Does the 0.2% Point of Sale fee apply to every in-person sale, including Tap to Pay?
- Do the published rates include or exclude GST?
- Which chargeback fee applies to Singapore card payments?
- How are NETS payments handled, if your customers use them?
- What F&B features does the POS include, such as table management, kitchen display and modifiers, and are any priced separately?
- When would you qualify for custom pricing?
When you read HitPay reviews, check the date (rates and products change), whether the reviewer used HitPay for online or in-person payments, and whether their business looks like yours. A review from an online shop says little about a busy lunch counter. Our HitPay reviews round-up groups user feedback by theme.
How ChaChaCha compares
HitPay is a payments platform with a POS on top, which suits businesses that want low fixed costs and simple counter sales. For HitPay against an F&B POS with tiered plans, read HitPay versus FoodZaps. ChaChaCha is a full F&B POS package. We compare the two on features in HitPay vs ChaChaCha. Our best F&B POS guide compares a wider field.
ChaChaCha, powered by AppsPOS, is quote-based. Ask us for a quote and compare the written totals. On features, this is what a ChaChaCha package covers:
- POS: a web and hybrid POS that keeps taking orders if the internet drops and syncs later, with table management, split bills and tabs, custom modifiers, staff permissions, and an English and Chinese interface and kitchen tickets.
- Kitchen: a kitchen display with station routing, order prioritisation and prep timers, plus Epson cloud printing to several printers.
- Ordering and queues: QR ordering for dine-in and pre-order, a mobile app, an online ordering page, and a queue system with SMS notifications and a queue display.
- Payments: PayNow, PayLah!, NETS, Visa and Mastercard, and GrabPay via DBS, UOB and 2C2P, with split payments and automated reconciliation. AppsPOS is a NETS Certified Vendor. See POS payments.
- Customers and back office: loyalty with points, stamps, stored value, vouchers, birthday rewards and WhatsApp marketing; recipe-level stock deduction and recipe costing; reports, an ERP for head office, Xero integration and GrabFood integration.
- Hardware: supplied by AppsPOS as part of the package, including a self-order kiosk with a built-in card terminal.
Whichever way you go, get every vendor’s price, payment rates and inclusions in writing, including ours.
