https://www.uniwebpay.com/ Long-form answers to the questions Singapore merchants ask about taking payment: choosing a provider, accepting WeChat Pay, Alipay, UnionPay and Dynamic PayNow, what an application needs, how fees are built, settlement, disputes and PCI DSS. Written by a MAS-licensed acquirer (Licence No. PS20200612). en-SG Uniweb Pte Ltd Tue, 04 Aug 2026 09:00:00 +0800 1440 https://www.uniwebpay.com/payments/american-express/ https://www.uniwebpay.com/payments/american-express/ Methods Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 What Amex acceptance involves in Singapore, why it is priced separately, and who loses money by not taking it. https://www.uniwebpay.com/industries/automotive-and-workshops/ https://www.uniwebpay.com/industries/automotive-and-workshops/ By industry Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 The trade where the final amount is unknown when the keys change hands. What that means for holds and disputes. https://www.uniwebpay.com/guides/surcharging-and-minimum-spend-singapore/ https://www.uniwebpay.com/guides/surcharging-and-minimum-spend-singapore/ Guides Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 Can a Singapore shop add a card surcharge or set a $10 minimum? Four parties have a say, and only one is you. https://www.uniwebpay.com/payments/diners-club-discover/ https://www.uniwebpay.com/payments/diners-club-discover/ Methods Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 The two card schemes most often missing from a Singapore merchant account, why they travel together, and which businesses notice when they are not there. https://www.uniwebpay.com/industries/events-and-ticketing/ https://www.uniwebpay.com/industries/events-and-ticketing/ By industry Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 Money arrives months before the event and the dispute window does not care. What that means for organisers. https://www.uniwebpay.com/guides/multi-currency-and-dcc-singapore/ https://www.uniwebpay.com/guides/multi-currency-and-dcc-singapore/ Guides Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 What actually happens when a foreign card pays in your shop, what dynamic currency conversion is, and the four questions to ask before anyone offers it to you. https://www.uniwebpay.com/guides/gst-and-card-payments-singapore/ https://www.uniwebpay.com/guides/gst-and-card-payments-singapore/ Guides Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 "Is there GST on card processing fees?" is three different questions. What each one is, and who answers it. https://www.uniwebpay.com/guides/peak-season-payments-readiness-singapore/ https://www.uniwebpay.com/guides/peak-season-payments-readiness-singapore/ Guides Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 What breaks at the till in December and over Chinese New Year, and the checks worth running three weeks before rather than on the day. https://www.uniwebpay.com/industries/pharmacy-and-tcm/ https://www.uniwebpay.com/industries/pharmacy-and-tcm/ By industry Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 Small baskets at high frequency, a counter that switches language mid-transaction, and customers who are visitors. What decides the economics, and what to check. https://www.uniwebpay.com/industries/professional-services/ https://www.uniwebpay.com/industries/professional-services/ By industry Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 Law, accounting, consulting and agencies get paid by invoice, days later, usually by a company. What that changes. https://www.uniwebpay.com/payments/qr-payments/ https://www.uniwebpay.com/payments/qr-payments/ Methods Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 Singapore has several unrelated things all called "QR payment". What each one is, which direction the code goes, and which ones a merchant has to enable separately. https://www.uniwebpay.com/guides/taking-payments-without-a-website-singapore/ https://www.uniwebpay.com/guides/taking-payments-without-a-website-singapore/ Guides Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 Selling on Instagram, WhatsApp or over the phone and need to get paid properly. What the options are, what changes about your risk, and what to stop doing. https://www.uniwebpay.com/industries/transport-and-tours/ https://www.uniwebpay.com/industries/transport-and-tours/ By industry Tue, 04 Aug 2026 09:00:00 +0800 2026-08-04T09:00:00+08:00 When the terminal is in a moving vehicle and the card is foreign, connectivity and battery are the product. https://www.uniwebpay.com/guides/acquirer-gateway-psp-difference/ https://www.uniwebpay.com/guides/acquirer-gateway-psp-difference/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 A merchant-facing glossary of the payments stack: what an acquirer does, what a gateway does, what PSP, ISO and payment facilitator actually mean, and who is who in a Singapore card sale. https://www.uniwebpay.com/payments/alipay/ https://www.uniwebpay.com/payments/alipay/ Methods Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What Alipay+ is, why it is not the same as Alipay, who actually pays with it in Singapore, and what a merchant has to do to accept it — enabled through a licensed acquirer, settled in SGD. https://www.uniwebpay.com/payments/apple-pay-google-pay/ https://www.uniwebpay.com/payments/apple-pay-google-pay/ Methods Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Apple Pay and Google Pay are not a separate payment method to enable — they present a card over contactless. What that means for a Singapore merchant, and the one thing worth checking. https://www.uniwebpay.com/payments/credit-cards/ https://www.uniwebpay.com/payments/credit-cards/ Methods Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Accepting cards in Singapore means accepting some subset of six schemes: Visa, Mastercard, American Express, UnionPay, Diners Club and Discover. Which ones matter, and what actually drives the cost. https://www.uniwebpay.com/guides/chargebacks-disputes-singapore/ https://www.uniwebpay.com/guides/chargebacks-disputes-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What a chargeback is, how the cycle works, what evidence actually wins one, and which trades carry the most exposure — plus what to ask any provider before you need to know the answer. https://www.uniwebpay.com/guides/card-terminal-singapore/ https://www.uniwebpay.com/guides/card-terminal-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What to look for in a payment terminal for a Singapore counter: the entry methods, the operational questions that decide whether you will be happy in a year, and what to test on a demo. https://www.uniwebpay.com/payments/dynamic-paynow/ https://www.uniwebpay.com/payments/dynamic-paynow/ Methods Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Dynamic PayNow generates a QR per sale carrying the exact amount, with a success notification back to the merchant. What it is, how it differs from a static sticker and from SGQR, and how to get it. https://www.uniwebpay.com/guides/dynamic-paynow-and-sgqr/ https://www.uniwebpay.com/guides/dynamic-paynow-and-sgqr/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Three different things get called "the QR" in Singapore. What static PayNow costs you at the counter, what Dynamic PayNow fixes, what SGQR actually is, and which one a merchant should want. https://www.uniwebpay.com/guides/merchant-account-singapore-application/ https://www.uniwebpay.com/guides/merchant-account-singapore-application/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What a licensed Singapore provider asks for, what underwriting is actually looking at, how long approval takes, and the short list of things that slow an application down. https://www.uniwebpay.com/guides/payment-processing-fees-singapore/ https://www.uniwebpay.com/guides/payment-processing-fees-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What actually goes into the fee on a Singapore merchant statement — interchange, scheme fees and the acquirer’s margin — which parts are negotiable, and how to read a statement you already have. https://www.uniwebpay.com/guides/accept-wechat-pay-alipay-singapore/ https://www.uniwebpay.com/guides/accept-wechat-pay-alipay-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What a Singapore merchant actually has to do to take WeChat Pay, Alipay+ and UnionPay: who you contract with, what the QR flow looks like at the counter, what you get paid, and how to check a provider before you sign. https://www.uniwebpay.com/guides/check-payment-provider-licence-singapore/ https://www.uniwebpay.com/guides/check-payment-provider-licence-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 The MAS Financial Institutions Directory is public, free and settles in two minutes whether a payment company is licensed and for what. Here is how to read it, and the second question it cannot answer. https://www.uniwebpay.com/guides/choosing-a-payment-acquirer-singapore/ https://www.uniwebpay.com/guides/choosing-a-payment-acquirer-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 There is no verified ranking of Singapore acquirers, so "who is the best" is the wrong question. What to compare instead, how to read a Payment Services Act licence, and which providers merchants usually shortlist. https://www.uniwebpay.com/industries/china-brands-entering-singapore/ https://www.uniwebpay.com/industries/china-brands-entering-singapore/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 A Singapore entity, KYC on the mainland parent’s beneficial owners, SGD settlement to a Singapore account — and the one thing an acquirer here cannot do for you. https://www.uniwebpay.com/guides/payment-fraud-prevention-singapore/ https://www.uniwebpay.com/guides/payment-fraud-prevention-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 The fake payment screenshot, the card-not-present loss, and the internal one nobody names — what each looks like at a Singapore counter and which of them a merchant can actually design out. https://www.uniwebpay.com/guides/pci-dss-singapore-merchants/ https://www.uniwebpay.com/guides/pci-dss-singapore-merchants/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 PCI DSS is the card schemes’ rulebook for handling cardholder data. What a Singapore shop, restaurant or online store actually carries under it depends mostly on one question: does card data touch your systems? https://www.uniwebpay.com/guides/refunds-and-voids-singapore/ https://www.uniwebpay.com/guides/refunds-and-voids-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Void, refund and chargeback are three different things with three different costs. What each one is, how they behave differently across cards, wallets and Dynamic PayNow, and what to check before you sign. https://www.uniwebpay.com/guides/multi-outlet-payments-singapore/ https://www.uniwebpay.com/guides/multi-outlet-payments-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 One merchant account or several, why the number that matters is per outlet rather than blended, how reconciliation changes with the third shop, and what to settle before opening the next one. https://www.uniwebpay.com/guides/settlement-and-reconciliation-singapore/ https://www.uniwebpay.com/guides/settlement-and-reconciliation-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 How money actually gets from a sale into a Singapore bank account: batches, settlement cycles, what a statement should let you do, and why the number of accounts matters more than the rate. https://www.uniwebpay.com/guides/switching-payment-provider-singapore/ https://www.uniwebpay.com/guides/switching-payment-provider-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What actually has to happen to move acquirer: what carries over and what does not, the order to do it in, the two things that go wrong, and the reasons that are worth switching for. https://www.uniwebpay.com/industries/attractions-and-tourism/ https://www.uniwebpay.com/industries/attractions-and-tourism/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Large tickets, group bookings, advance sales that are card-not-present, and a queue that is almost entirely overseas visitors — what changes for attractions, ticketing and travel agents. https://www.uniwebpay.com/industries/beauty-and-wellness/ https://www.uniwebpay.com/industries/beauty-and-wellness/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Prepaid packages are the defining feature of this trade and the reason its dispute exposure is unlike any other retail. What to ask a provider before you sell a ten-session course. https://www.uniwebpay.com/guides/mobile-and-pop-up-payments-singapore/ https://www.uniwebpay.com/guides/mobile-and-pop-up-payments-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What changes when the counter is a trestle table: connectivity, battery, receipts, and how a temporary pitch settles into the same merchant account as the shop. https://www.uniwebpay.com/industries/ecommerce/ https://www.uniwebpay.com/industries/ecommerce/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 A hosted checkout, the methods your abandoned-cart data says people wanted, and online and in-store sales in one reporting view — what a Singapore e-commerce merchant should ask for. https://www.uniwebpay.com/guides/accept-payments-from-tourists-singapore/ https://www.uniwebpay.com/guides/accept-payments-from-tourists-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What a visitor to Singapore actually reaches for at a counter, why Alipay+ is not the same thing as Alipay, what signage changes, and the one visitor question this site deliberately does not answer. https://www.uniwebpay.com/industries/clinics-and-healthcare/ https://www.uniwebpay.com/industries/clinics-and-healthcare/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 The trade where most of the money is not a card payment: what settles through claims and panels rather than your terminal, why the receipt matters more than the rate, and what a clinic counter actually needs. https://www.uniwebpay.com/industries/hotels-and-accommodation/ https://www.uniwebpay.com/industries/hotels-and-accommodation/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Why a hotel’s terminal only ever sees part of its revenue, what booking platforms settle and what they do not, the check-out queue, and the deposit question this site deliberately does not answer. https://www.uniwebpay.com/industries/jewellery-and-luxury-retail/ https://www.uniwebpay.com/industries/jewellery-and-luxury-retail/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What changes when the average ticket is four figures: issuer step-ups at the counter, cross-border cards, UnionPay in both its forms, and the dispute exposure that comes with a high-value sale. https://www.uniwebpay.com/industries/f-and-b/ https://www.uniwebpay.com/industries/f-and-b/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What matters at an F&B counter: queue speed, the fake-screenshot problem with static QR, delivery-platform money that never touches your terminal, and rolling several outlets into one view. https://www.uniwebpay.com/industries/retail/ https://www.uniwebpay.com/industries/retail/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Higher tickets, returns and exchanges, UnionPay cards for visitor spend, and per-outlet reporting — what a Singapore shop needs from an acquirer, and what we do not publish. https://www.uniwebpay.com/industries/supermarkets-and-convenience/ https://www.uniwebpay.com/industries/supermarkets-and-convenience/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What changes when the average basket is small: why a fixed per-transaction component decides your economics, what a second lane really costs, and which rails are worth having switched on. https://www.uniwebpay.com/industries/education-and-study-abroad/ https://www.uniwebpay.com/industries/education-and-study-abroad/ By industry Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Tuition is a large amount, usually paid card-not-present, often by a parent overseas, against delivery that runs for a year. What that combination means for a Singapore education provider. https://www.uniwebpay.com/guides/best-payment-gateway-singapore/ https://www.uniwebpay.com/guides/best-payment-gateway-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 No verified ranking of Singapore payment providers exists, so every "best gateway" list is somebody’s opinion. The frame that decides it: five briefs, five questions, and where we are the wrong answer. https://www.uniwebpay.com/payments/unionpay/ https://www.uniwebpay.com/payments/unionpay/ Methods Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 UnionPay is both a card scheme and a QR rail, and Singapore merchants routinely enable only half of it. What it is, who pays with it, and how to accept both the card and the QR on one merchant account. https://www.uniwebpay.com/payments/wechat-pay/ https://www.uniwebpay.com/payments/wechat-pay/ Methods Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 What WeChat Pay is for a Singapore merchant, who pays with it, how it differs from Alipay+, and what you have to do to accept it — enabled on a merchant account through a licensed acquirer, settled in SGD. https://www.uniwebpay.com/guides/payment-methods-singapore-merchants/ https://www.uniwebpay.com/guides/payment-methods-singapore-merchants/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 Cards, wallets and QR in Singapore: which methods are worth enabling, which depend on who your customers are, and what each one costs you in operational terms rather than basis points. https://www.uniwebpay.com/guides/alipay-wechat-providers-singapore/ https://www.uniwebpay.com/guides/alipay-wechat-providers-singapore/ Guides Mon, 03 Aug 2026 09:00:00 +0800 2026-08-03T09:00:00+08:00 The provider landscape for Chinese wallet acceptance in Singapore: the four shapes of company that can enable it, what to verify for yourself, and the questions that separate them.