{"id":613,"date":"2026-07-18T15:25:04","date_gmt":"2026-07-18T07:25:04","guid":{"rendered":"https:\/\/asiaecho.com\/sg\/?p=613"},"modified":"2026-08-07T10:35:21","modified_gmt":"2026-08-07T02:35:21","slug":"stripe-vs-paynow-best-payment-gateway-for-local-web","status":"publish","type":"post","link":"https:\/\/asiaecho.com\/sg\/stripe-vs-paynow-best-payment-gateway-for-local-web\/","title":{"rendered":"Stripe vs PayNow: Best Payment Gateway for Local Web"},"content":{"rendered":"<style>@import url('https:\/\/fonts.googleapis.com\/css2?family=Merriweather:ital,wght@0,100..900;1,100..700;1,100..900&family=Montserrat:ital,wght@0,100..900;1,100..900&family=Roboto:ital,wght@0,100..900;1,100..900&family=Rubik:ital,wght@0,100..900;1,100..900&display=auto');.wp-premium-body { font-family: 'Rubik', 'Roboto', sans-serif; color: #333333; line-height: 1.75; font-size: 16px; margin: 0 auto; }.wp-premium-callout { font-family: 'Merriweather', serif; background-color: #f4f7f6; border-left: 4px solid #00a88f; padding: 22px; margin: 25px 0; border-radius: 0 8px 8px 0; }.wp-premium-cta-box { background: linear-gradient(135deg, #111111 0%, #2c3e50 100%); color: #ffffff; padding: 40px; text-align: center; border-radius: 12px; margin: 40px 0; }.wp-premium-btn { display: inline-block; background-color: #00a88f; color: #ffffff !important; padding: 14px 35px; text-decoration: none !important; font-weight: bold; border-radius: 5px; margin-top: 15px; }<\/style>\n<div class='wp-premium-body'>\n<div class='wp-premium-callout'><strong>Quick Summary:<\/strong><\/p>\n<p>This comparison helps you decide between Stripe and PayNow for accepting payments on a local Singapore website, focusing on fees, integration, and settlement speed for small to medium e-commerce businesses.<\/p>\n<\/div>\n<h2>Stripe fees compared to PayNow costs<\/h2>\n<p>Stripe charges a standard per-transaction fee of 3.4% plus S$0.50 for most card payments in Singapore, with a slightly lower rate of 2.9% plus S$0.30 for local cards. In contrast, PayNow transactions processed through a third-party gateway like HitPay or Aspire typically incur a flat fee of 0.5% to 1.5% per transaction, with no monthly minimums. For a business processing S$10,000 monthly across 200 transactions, Stripe fees would be around S$440, while PayNow fees could be as low as S$50 to S$150, making PayNow significantly cheaper for high-volume local sales.<\/p>\n<h2>Integration ease for local websites<\/h2>\n<p>Stripe offers a popular plugin for WooCommerce, Shopify, and custom HTML sites, with a one-click setup and a well-documented API. PayNow, however, requires a separate payment gateway provider (e.g., HitPay, PayMaya, or Xero) that integrates with your <a href='https:\/\/www.digitalagency.com.my\/ecommerce\/' target='_blank'>e-commerce<\/a> platform. For local web developers, Stripe\u2019s native integration is quicker to deploy, while PayNow often demands additional configuration with bank APIs or third-party SDKs. HitPay\u2019s PayNow plugin eases this but still adds an extra layer compared to Stripe\u2019s out-of-box solution.<\/p>\n<h2>Local payment method support differences<\/h2>\n<p>Stripe fully supports PayNow as a payment method in Singapore, allowing customers to pay via their banking app without a card. However, Stripe also processes international cards, GrabPay, and FPX, giving broader reach. PayNow alone only handles instant bank transfers within Singapore, which limits sales to local customers. For a local web store targeting only Singapore residents, PayNow\u2019s simplicity and zero interchange fees are ideal. For stores with occasional international buyers, Stripe\u2019s multi-method support is essential to capture sales without friction.<\/p>\n<h2>Settlement speed and currency handling<\/h2>\n<p>PayNow settlements are near-instant \u2013 funds arrive in your bank account within seconds, directly from the customer\u2019s bank. Stripe settlements follow a T+1 schedule, meaning funds from card payments clear the next business day, though PayNow transactions via Stripe settle instantly. For currency, PayNow only supports SGD, while Stripe handles over 135 currencies and auto-converts to SGD with a 1.5% currency conversion fee. Local businesses with no foreign revenue benefit from PayNow\u2019s speed, but those accepting payments in USD or other currencies must use Stripe.<\/p>\n<h2>Best use cases for each gateway<\/h2>\n<p>Stripe is the superior choice for web stores that need to accept international customers, offer subscription billing, or require recurring payment tokens. PayNow excels for local merchants selling low-margin goods (e.g., grocery delivery, Hawker food, digital services) where every cent counts, and where instant cash flow matters more than global reach. A hybrid approach using both \u2013 Stripe for cards and PayNow for local bank transfers \u2013 is common among savvy local <a href='https:\/\/www.digitalagency.com.my\/ecommerce\/' target='_blank'>e-commerce<\/a> operators, achieving both low fees and broad acceptance.<\/p>\n<div style='overflow-x: auto; margin: 30px 0;'>\n<table class='wp-premium-table'>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Stripe<\/th>\n<th>PayNow (via HitPay)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Transaction fee<\/td>\n<td>3.4% + S$0.50 (local cards)<\/td>\n<td>0.5% \u2013 1.5% flat<\/td>\n<\/tr>\n<tr>\n<td>Setup cost<\/td>\n<td>Free, no monthly fee<\/td>\n<td>Free with gateway provider<\/td>\n<\/tr>\n<tr>\n<td>Settlement time<\/td>\n<td>Next business day<\/td>\n<td>Instant to bank<\/td>\n<\/tr>\n<tr>\n<td>Supported currencies<\/td>\n<td>135+ (auto-convert)<\/td>\n<td>SGD only<\/td>\n<\/tr>\n<tr>\n<td>Ideal customer base<\/td>\n<td>Local + international<\/td>\n<td>Local only<\/td>\n<\/tr>\n<tr>\n<td>Recurring billing<\/td>\n<td>Native support<\/td>\n<td>Requires custom API<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class='wp-premium-cta-box'>\n<h3>Ready to Accelerate Your Digital Growth Strategy?<\/h3>\n<p>Partner with an industry-leading digital agency to upscale your infrastructure today.<\/p>\n<p><a href='https:\/\/www.justsimple.com.my\/' class='wp-premium-btn'>Get Started for Free Today<\/a><\/div>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quick Summary: This comparison helps you decide between Stripe and PayNow for accepting payments on a local Singapore website, focusing on fees, integration, and settlement speed for small to medium e-commerce businesses. Stripe fees compared to PayNow costs Stripe charges a standard per-transaction fee of 3.4% plus S$0.50 for most card payments in Singapore, with [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":944,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"ppma_author":[36],"class_list":["post-613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle-culture"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stripe vs PayNow: Best Payment Gateway for Local Web - AsiaEcho Singapore<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/asiaecho.com\/sg\/stripe-vs-paynow-best-payment-gateway-for-local-web\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stripe vs PayNow: Best Payment Gateway for Local Web - AsiaEcho Singapore\" \/>\n<meta property=\"og:description\" content=\"Quick Summary: This comparison helps you decide between Stripe and PayNow for accepting payments on a local Singapore website, focusing on fees, integration, and settlement speed for small to medium e-commerce businesses. 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