Omise charges 3.30% + S$0.30 per card transaction in Singapore. That sits below Stripe (3.4% + S$0.50) but above HitPay (2.8% + S$0.50). The PayNow rate of 1.00% + S$0.15 falls between them as well.
One important note before comparing: Omise Payment SG Pte. Ltd. now operates under the Opn brand globally. In Singapore, the legal entity, the API, the merchant dashboard, and all existing integrations remain under the Omise name. There is nothing to migrate. The rebrand is cosmetic for merchants. The Singapore entity received its Major Payment Institution licence from the Monetary Authority of Singapore in September 2024.
This review covers Omise Singapore’s full fee schedule, which payment methods are available, how it compares to HitPay and Stripe on cost, compliance status, and which seller profiles it suits best.
All fees verified against Omise’s official Singapore pricing page, June 2026.
How Do Omise Singapore’s Fees Compare to HitPay and Stripe?
Omise Singapore charges 3.30% + S$0.30 per card, 1.00% + S$0.15 for PayNow, and 2.80% + S$0.15 for GrabPay. At S$100 average order value and S$50,000/month with a 60% card and 40% PayNow mix, Omise costs approximately S$1,310/month vs HitPay at S$1,180 and Stripe at S$1,430 — based on published rates from each gateway’s official Singapore pricing page, verified June 2026.
The fee difference is real but not dramatic. Stripe is the most expensive for the payment mix most Singapore ecommerce sellers use. Omise sits in the middle. HitPay is cheapest for domestic Singapore transactions.
| Gateway | Card Rate | Card Fixed Fee | PayNow Rate | PayNow Fixed Fee | Monthly Fee |
|---|---|---|---|---|---|
| Omise (Opn) | 3.30% | S$0.30 | 1.00% | S$0.15 | None |
| HitPay | 2.80% | S$0.50 | 0.65% | S$0.30 (>S$100) | None |
| Stripe | 3.40% | S$0.50 | 1.30% | None | None |
Standard published rates for Singapore-registered businesses. Verified June 2026 from each gateway’s official pricing page.
The fixed fee difference is worth examining carefully. For orders under S$40, Omise’s S$0.30 fixed fee beats HitPay’s S$0.50 on cards. For orders over S$100, HitPay’s lower percentage fee dominates. If your store has a high proportion of low-value orders — think digital products, subscriptions, or consumables priced at S$20–40 — Omise’s effective rate can be lower than HitPay’s despite the higher percentage.
What Is Omise Singapore’s Full Fee Schedule?
Omise Singapore’s fee schedule covers cards, PayNow, OCBC Digital, seven cross-border e-wallets, GrabPay, ShopeePay, WeChat Pay, two BNPL options, and free bank transfers. The most affordable payment method is WeChat Pay at 2.20% + S$0.15. BNPL options (Atome at 5.50%, SPayLater at 5.00%) carry a meaningful premium. All figures from Omise’s official Singapore pricing page, verified June 2026.
Here is the complete Omise Singapore fee schedule:
Cards and mobile wallets:
- Visa, Mastercard, JCB, American Express: 3.30% + S$0.30
- Apple Pay: 3.30% + S$0.30
- Google Pay: 3.30% + S$0.30
QR and mobile banking:
- PayNow: 1.00% + S$0.15
- OCBC Digital (mobile banking): 1.00% + S$0.15
E-wallets — Singapore and regional:
- GrabPay: 2.80% + S$0.15
- ShopeePay: 2.80% + S$0.15
- WeChat Pay: 2.20% + S$0.15
- Alipay and Alipay+: 2.90% + S$0.15
- GCash (Philippines): 2.90% + S$0.15
- KakaoPay (South Korea): 2.90% + S$0.15
- Touch ’n Go eWallet (Malaysia): 2.90% + S$0.15
- Dana (Indonesia): 2.90% + S$0.15
BNPL:
- Atome: 5.50% + S$0.15
- SPayLater: 5.00% + S$0.15
Transfers:
- Bank transfers from your Omise account: Free
- Multi-currency acceptance: S$35 per additional currency per month
A note on BNPL: Atome at 5.50% is approximately 1.7x the cost of card processing. Enabling Atome only makes economic sense if your BNPL-driven average order value is meaningfully higher for your specific product category, and if you have data showing that Atome customers would not have completed the purchase otherwise. Do not enable it by default without tracking the incremental revenue.
Which Payment Methods Does Omise Support in Singapore?
Omise Singapore supports 20+ payment methods, including Visa, Mastercard, JCB, American Express, PayNow, GrabPay, ShopeePay, WeChat Pay, Alipay, GCash, Touch ’n Go, KakaoPay, Dana, OCBC Digital, Atome, SPayLater, Apple Pay, and Google Pay. The cross-border wallet breadth — GCash, Touch ’n Go, KakaoPay, Dana — is wider than HitPay’s Singapore offering and relevant for sellers targeting regional visitors or diaspora customers.
For Singapore-focused ecommerce sellers, the practical priorities are:
- Visa and Mastercard — required for any online store
- PayNow — Singaporean shoppers expect it; 1.00% + S$0.15 through Omise
- GrabPay — major local wallet; Omise charges 2.80% + S$0.15
- ShopeePay — useful if your audience shops on Shopee
- WeChat Pay — cheapest wallet through Omise at 2.20% + S$0.15; relevant for Chinese visitor or expat traffic
The cross-border wallets (GCash, Touch ’n Go, KakaoPay, Dana) serve a niche use case: Singapore sellers with significant inbound traffic from Malaysia, Indonesia, the Philippines, or South Korea. If your analytics show customer sessions from these markets, these payment methods reduce checkout friction for those buyers.
Two things Omise does not support as of June 2026: NETS and Alipay HK in the standard integration (Alipay HK is listed on Omise’s payment methods page as Singapore-available but not on the Singapore pricing page — verify directly with Omise before building on it). If NETS acceptance is a requirement for your store, Omise is not the right gateway.
Is Omise Singapore MAS-Licensed and PCI Compliant?
Omise Payment SG Pte. Ltd. holds a Major Payment Institution (MPI) licence from the Monetary Authority of Singapore, issued September 2024. Omise is PCI DSS Level 1 certified. When merchants use Omise’s hosted payment form or JavaScript library, card data is processed on Omise’s certified infrastructure and never passes through the merchant’s server, reducing PCI compliance scope significantly.
The MPI licence matters for merchant risk assessment. An unlicensed payment processor operating in Singapore is a regulatory risk for both the processor and, potentially, merchants depending on their contract terms. Omise operating under a full MPI licence puts it on the same regulatory footing as Stripe Singapore and HitPay in terms of MAS authorisation.
PCI DSS Level 1 is the highest certification level. It is audited annually by a Qualified Security Assessor. For merchants, the practical implication is that Omise’s integration patterns — hosted fields, JS library, redirect-to-hosted-page — keep card data off your server. Your PCI assessment scope is reduced to SAQ A (the simplest), rather than requiring a full SAQ D audit.
Omise also supports 3D Secure 2.0 (3DS2), which provides liability shift for authenticated transactions and can reduce chargebacks on suspicious orders.
You can verify Omise’s MAS licence at eservices.mas.gov.sg — search for “OMISE PAYMENT SG PTE. LTD.” and confirm the MPI status.
What Changed When Omise Became Opn Payments?
Omise Payment SG Pte. Ltd. rebranded globally to Opn Payments. For Singapore merchants, nothing changed operationally: the Omise API endpoints, SDK, merchant dashboard, and developer documentation remain under the Omise name. No migration is required. The legal entity, MAS licence, and merchant contracts are unchanged. When searching the MAS registry, the entity appears as “OMISE PAYMENT SG PTE. LTD.” with MPI status.
The Opn brand emerged as the company expanded from its original Thailand focus into Singapore, Japan, and other Asia-Pacific markets. Opn is the umbrella brand covering multiple payment infrastructure products. The Singapore payment gateway — the one you integrate for card and PayNow acceptance — is the same Omise product under new brand framing.
Merchants who integrated Omise in 2022 or 2023 do not need to update their integration, change their API keys, or renegotiate their merchant agreements as a result of the rebrand. The practical implication for sellers evaluating Omise today: the product you read about in developer documentation as “Omise” and the product that operates as “Opn” in the company’s investor materials are the same payment gateway.
If you encounter the name “Opn” in a pricing proposal or onboarding email from Omise’s Singapore sales team, treat it as the same product.
How Does Omise Integrate with Shopify, WooCommerce, and SHOPLINE?
Omise provides plugins for Shopify, WooCommerce, Magento, and SHOPLINE, plus a RESTful API with SDKs in Node.js, Ruby, Python, PHP, Java, Go, Kotlin, and Swift. The Shopify plugin supports card, PayNow, and e-wallet acceptance from one integration. SHOPLINE’s help centre documents native Omise PayNow support, which is a meaningful differentiator for sellers on that platform.
For non-technical sellers, the Shopify and WooCommerce plugins are the practical integration path. Setup involves connecting your Omise account via API keys and enabling payment methods from the Omise merchant dashboard. You do not need to handle card data directly.
For custom or headless ecommerce, Omise’s API is well-documented. The core object model — Charge, Customer, Token, Transfer — is standard payment gateway architecture. Omise documents 99.99% service uptime on its infrastructure page. The JavaScript library (OmiseJS) handles card tokenisation in the browser, which is what reduces your PCI scope.
One practical note: Omise requires a Singapore-registered business entity for merchant onboarding. Individual or sole-proprietor accounts may have additional documentation requirements during KYC. Verify onboarding requirements directly with Omise Singapore before beginning an integration, particularly if you are a newer business or a sole trader.
For SHOPLINE merchants: Omise has native PayNow support within SHOPLINE’s payment settings, per SHOPLINE’s merchant documentation. This is a specific advantage for sellers on that platform who want PayNow without building a custom integration.
Is Omise the Right Payment Gateway for Your Singapore Store?
For most Singapore-focused ecommerce sellers, HitPay offers lower effective fees on the card and PayNow payment mix that dominates local transactions. At S$50,000/month with a 60% card and 40% PayNow split, HitPay’s published rates produce roughly S$130/month less in gateway fees than Omise — based on rates from official Singapore pricing pages, verified June 2026. At S$100,000/month, that difference reaches approximately S$260/month.
Omise is the better choice in these specific scenarios:
- Low average order values (under S$40 per transaction): Omise’s S$0.30 card fixed fee beats HitPay’s S$0.50 on small transactions. A store processing S$25 average orders will pay less through Omise on cards.
- Cross-border wallet requirements: If your store serves Malaysian, Indonesian, Philippine, or South Korean customers and you want GCash, Touch ’n Go, Dana, or KakaoPay in a single integration, Omise covers them. HitPay’s wallet suite is more Singapore-centric.
- SHOPLINE sellers: Omise has native PayNow integration on SHOPLINE. If you are already on SHOPLINE, the integration path is documented and supported.
- Existing Omise integrations: If your store already runs on Omise and transaction volumes do not justify a migration project, the fee difference compared to HitPay does not warrant switching unless you are losing more than the integration cost annually.
Choose a different gateway if:
- Your store is PayNow-heavy with orders consistently over S$100 — HitPay’s 0.65% + S$0.30 is materially cheaper than Omise’s 1.00% + S$0.15 at that order value.
- You need NETS support — Omise does not offer NETS.
- You are processing over S$100,000/month with international card volume — Stripe or Checkout.com offer better cross-border card acceptance and fraud infrastructure at scale.
For a full comparison of all major Singapore payment gateways including HitPay, Stripe, Tazapay, and Checkout.com, see our best payment gateways for Singapore ecommerce guide.
Frequently Asked Questions
What are Omise Singapore’s transaction fees?
Omise Singapore (operating as Opn) charges 3.30% + S$0.30 per credit or debit card transaction, and 1.00% + S$0.15 for PayNow payments. GrabPay costs 2.80% + S$0.15. WeChat Pay is the lowest-cost e-wallet at 2.20% + S$0.15. There is no monthly fee and no setup fee. Bank transfers to your Singapore bank account are free. Fees verified from Omise’s official Singapore pricing page, June 2026.
Is Omise the same as Opn Payments?
Yes. Omise Payment SG Pte. Ltd. operates as Opn in Singapore. The company received its Major Payment Institution (MPI) licence from the Monetary Authority of Singapore in September 2024. The Omise payment API, merchant dashboard, and developer SDKs remain under the Omise brand name for existing integrations. No migration is required for current merchants.
Does Omise support PayNow in Singapore?
Yes. Omise supports PayNow via QR code in Singapore at 1.00% + S$0.15 per transaction. For comparison, HitPay charges 0.65% + S$0.30 for PayNow transactions over S$100, and Stripe charges 1.3% with no fixed fee. Omise’s PayNow rate has an advantage for smaller orders — below S$120, Omise’s lower fixed fee (S$0.15) makes it cheaper than HitPay on PayNow.
How long does Omise take to settle payments in Singapore?
PayNow via Omise settles quickly because PayNow operates on Singapore’s real-time interbank payment system. Card transaction settlement timelines vary by merchant account tier and monthly volume — check Omise’s merchant support documentation for the current schedule applied to your account. Bank transfers from your Omise balance to a Singapore bank account carry no transfer fee.
Is Omise Singapore licensed by MAS?
Yes. Omise Payment SG Pte. Ltd. holds a Major Payment Institution (MPI) licence from the Monetary Authority of Singapore, issued September 2024. This authorises Omise to provide merchant acquisition and account issuance services under MAS regulation. The licence can be verified on the MAS Financial Institutions Directory.