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PayNow vs Card

Should you absorb card fees or pass them to clients?

HitPay charges 0.65% + S$0.30 for PayNow (≥ S$100) or 0.9% min S$0.20 (below S$100), and 2.8% + S$0.50 for card. See what each approach costs — and which makes most sense for your business.

Your numbers

S$
S$20S$500
20
180
40%
0% (all PayNow)100% (all card)
12 PayNow sessions
8 card sessions

HitPay rates

PayNow ≥ S$1000.65% + S$0.30
PayNow < S$1000.9% (min S$0.20)
Visa / Mastercard2.8% + S$0.50

Total monthly processing fees

S$30.56

S$366.72/year · S$8.64 PayNow + S$21.92 card

Option A — Absorb the fees

S$1,569.44/month

You pocket S$1,569.44/month after all HitPay fees. S$30.56 in processing fees absorbed.

✓ Simplest for clients. No friction at checkout.
✗ Costs you S$366.72/year in fees.

Option B — Surcharge card payments

Recommended

S$1,591.36/month

Charge card users S$83 instead of S$80 (S$3 surcharge). You still absorb PayNow fees.

✓ Recovers card fees fully. PayNow users pay the standard rate.
✗ Some clients may prefer a competitor who absorbs fees.

Option C — PayNow only

S$1,427.04/month

Assume ~70% of card users switch to PayNow. You keep 6 of those sessions. 2 sessions may drop off.

✓ Lowest processing fee (0.9% min S$0.20) on every booking.
✗ Risk losing ~2 sessions/month (S$160.00).

Accept PayNow and card in one booking link.

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Rates based on HitPay standard plan: PayNow 0.65% + S$0.30 (≥ S$100) or 0.9% min S$0.20 (< S$100); Visa/Mastercard 2.8% + S$0.50. Amex and international cards may differ.