PayNow vs Card

Should you absorb card fees
or pass them to clients?

HitPay charges 0.65% + S$0.30 for PayNow and 2.8% + S$0.50 for card. See what each approach costs — and which makes most sense for your business.

Your numbers

Session price

S$20S$500

Sessions per month20

180

Clients who pay by card40%

0% (all PayNow)100% (all card)

12 PayNow sessions

8 card sessions

HitPay rates

PayNow0.65% + S$0.30

Visa / Mastercard2.8% + S$0.50

Total monthly processing fees

S$31.76

S$381.12/year · S$9.84 PayNow + S$21.92 card

Option A — Absorb the fees

S$1,568.24/month

You pocket S$1,568.24/month after all HitPay fees. S$31.76 in processing fees absorbed.

✓ Simplest for clients. No friction at checkout.

✗ Costs you S$381.12/year in fees.

Option B — Surcharge card payments

Recommended

S$1,590.16/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$1,425.24/month

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

✓ Lowest processing fee (0.65% + S$0.30) on every booking.

✗ Risk losing ~2 sessions/month (S$160.00).

Accept PayNow and card in one booking link.

List is powered by HitPay — clients choose their payment method, you get paid automatically.

Rates based on HitPay standard plan: PayNow 0.65% + S$0.30, Visa/Mastercard 2.8% + S$0.50. Amex and international cards may differ.