Map how you actually get paid
Every buyer type, every currency, every existing arrangement — including the awkward ones: deposits, staged payments, purchase orders, refunds and part-refunds.
If you cannot take the payment, you did not win the work.
Every business is a payments business at the moment of the sale — whether the buyer is a consumer, another company or a government agency. We connect the gateways, wire them into your systems, and make the money arrive faster with less lost on the way.
Every buyer type covered
Fees compared honestly
Faster settlement
Reconciles without hand-matching
THE SITUATION
The sale is agreed. Now it has to clear.
A consumer abandons a cart because their preferred method is missing. A company waits for an invoice, pays in thirty days, and someone chases it twice. A government buyer needs terms and a purchase order before anything can move at all. Three completely different payment realities, and most businesses serve all three through one arrangement built for whichever came first.
The cost of that is rarely visible. It shows up as carts that did not convert, invoices that settled late, staff time spent matching bank lines to orders, and cash sitting in transit that the business could have been using. None of it appears on a fee statement.
SYMPTOMS WE HEAR MOST
Customers ask for a payment method you cannot accept Someone matches bank transfers to invoices by hand each week Cross-border customers lose money to conversion and ask you to absorb it You know the card rate and nothing about what late settlement costs youHOW THE WORK RUNS
Choose the rails, then wire them in properly.
Gateway selection is the smallest part. What decides whether this works is how payment status flows back into your own systems.
Select the rails on total cost
Not just the headline rate. Fixed fees on small baskets, cross-border and conversion margins, chargeback exposure, settlement speed, and what each one costs you in manual work.
Integrate and reconcile
Checkout or invoice flows built in, webhooks handled idempotently so a retried callback cannot double-charge or double-post, and settlement matched back to orders automatically.
Monitor, secure, extend
Failed payment alerting, retry logic for recurring billing, PCI scope kept minimal by never touching card data, and new methods added as your buyers ask for them.
CHOOSE WHAT YOU ACCEPT
Switch a method on. Watch what it does to the money.
Three buyer types, three different realities. Toggle methods and the model recalculates what you capture, what you lose, what you pay in fees, and how long your cash sits in transit. Illustrative Singapore rates — the shape is what matters, not the decimal.
BUYER
Consumers do not switch payment method. They switch supplier.
The fee barely matters here. Settlement speed decides your working capital.
You cannot dictate terms. You can stop the paperwork adding weeks to them.
PAYOUT SCHEDULE
Applies to card and wallet rails only. Bank rails settle on their own timetable and cannot be accelerated for a fee.
ATTEMPTED EACH MONTH · S$60,000
75% CAPTURED
CAPTURED
S$44,700
LOST — NO METHOD THEY WOULD USE
S$15,300
FEES
S$1,487
AVERAGE TIME TO SETTLE
6.2 days
CASH SITTING IN TRANSIT
S$9,284
Money you have earned and cannot yet use. Faster rails shrink this without changing a single price.
Set this up properly
WHAT T PLUS SEVEN ACTUALLY COSTS
Taking the payment and having the money are different days.
T+n counts business days from the transaction to the money landing in your account. Almost nobody asks about it during gateway selection, and it decides more about your cash position than the headline rate does.
What the market actually offers
T+7 is the standard payout schedule for card acquiring through most Singapore gateways, and new accounts often start there or slower while risk is assessed. T+3 and T+1 are usually available as paid tiers, sometimes only after trading history. PayNow and bank rails are effectively real time — which is why they change the picture more than any fee negotiation.
Why faster payout costs more
The acquirer is carrying your money and your risk for the gap. Card transactions can be charged back for months, so a shorter hold means the provider is exposed sooner and prices that exposure in — typically as an added fraction of a percent per transaction, or a fixed fee per payout. You are buying working capital, and it is priced like it.
When paying the premium is right
Compare the premium against what the delay costs you. On thin margins with heavy stock reordering, T+1 can be worth well over its price. On healthy margins with no cash pressure, paying to accelerate money you do not need yet is simply a discount handed to your provider.
The cheaper move most miss
Shifting demand onto instant rails beats buying a faster tier on slow ones. Every buyer who pays by PayNow instead of card settles same day at a fraction of the fee — no premium, no negotiation. Route first, then pay to accelerate only what is left.
Tiers and premiums vary by provider, industry risk category and trading history — these are the shapes we see in the market, not a quoted rate card. We check the actual terms during selection.
BEYOND THE FEE
Three things a rate card will never tell you.
Convenience
A buyer offered their own habitual method completes without thinking about it. Offered an unfamiliar one, they pause — and a pause at the payment step is where sales are lost. This is not a preference to indulge; it is conversion.
Pace
Two identical invoices, one settling instantly and one in thirty days, are not the same money. The slow one is a loan you extended without charging interest. Faster rails free cash you already earned.
Extended operation
A payment page takes deposits at two in the morning, on a public holiday, from a buyer in another timezone. It is the one part of the business that never closes, and it does not need anyone rostered.
WHAT YOU ACTUALLY GET
Integrated, reconciled and documented.
- Payment method review across every buyer type
- Gateway selection on total cost, not headline rate
- Checkout or invoice payment flows built in
- Recurring billing and retry logic where needed
- Idempotent webhook handling — no double charges
- Refunds, part-refunds and dispute handling
- Automatic reconciliation back to orders and invoices
- Accounting system export or direct sync
- PCI scope kept minimal — card data never touches your servers
- Failed payment monitoring and alerts
HONEST SCOPE
Is this the right thing to buy?
GOOD FIT WHEN
Customers have asked for a method you cannot currently accept Someone spends real hours each month matching payments to invoices You sell across borders, currencies or buyer typesWAIT, OR DO SOMETHING ELSE FIRST
A handful of invoices a month, all from the same few clients — a bank transfer is fine The product or pricing is not settled yet; payment plumbing can wait You want the cheapest possible rate and nothing else consideredCOMMON QUESTIONS
The things people ask first.
Stripe, PayPal or something else?
Stripe for developer control, subscriptions and clean webhooks. PayPal where buyer familiarity closes the sale, particularly cross-border consumer. Wise where clients pay in other currencies and you want to keep the conversion margin. Local acquirers and HitPay or 2C2P where PayNow and regional wallets matter. Most businesses end up with two, not one.
Is it worth adding PayNow if we already take cards?
In Singapore, almost always. The fee is a fraction of card rates, settlement is instant rather than two days, and a large share of local buyers reach for it first. On the B2B side, PayNow Corporate can move an invoice from thirty days to the same afternoon.
Does more payment methods mean more complexity to manage?
It does if each one is bolted on separately. Done properly, every method reports into one place and reconciles the same way, so adding a method changes what your customers see and not how your team works.
What about chargebacks and fraud?
Card payments carry chargeback exposure; PayNow and bank transfers largely do not, which is part of their appeal. We configure the gateway's fraud rules, keep evidence attached to each transaction so disputes can be defended, and keep you out of storing card data at all.
Can government agencies pay us online?
More often than suppliers assume. Terms are usually non-negotiable, but GIRO and PayNow Corporate are frequently available and remove weeks of administrative delay from the same payment terms.
Will this work with our accounting system?
That is the part most integrations skip. We match settlements back to invoices and export or sync into Xero, QuickBooks or your ERP, so finance stops reconciling by hand and the two systems agree.
Tell us how your customers want to pay you.
We will come back with the rails that fit each buyer type, what they will actually cost you all-in, and what changes about your cash position once they are live.