Apple launched Tap to Pay on iPhone in Singapore in December 2025. It was the 50th country to receive the feature. For merchants, it means turning an iPhone into a card terminal — no hardware, no card reader, no setup.

Six platforms were available from day one: Adyen, Fiuu, HitPay, Revolut, Stripe, and Zoho. Grab and nashi followed in early 2026. Each has different pricing, features, and trade-offs — and not all are the right fit for small businesses.

This guide covers the best options for Singapore merchants in 2026. We compare pricing, card type support, onboarding speed, and who each platform suits best.

What are the best Tap to Pay on iPhone solutions in Singapore?

HitPay is the most established local option with the widest payment suite. Revolut Business suits merchants who also want a business banking platform in the same app. Fiuu is built for higher-volume merchants with Southeast Asia reach.

Grab is the strongest choice for merchants serving the Grab consumer ecosystem. nashi has the lowest rates and is the simplest product in this comparison.

1. nashi: Lowest rates in Singapore

Disclosure: nashi is our own product. We've included it because we believe it genuinely belongs on this list, but you should know we're not a neutral party.

nashi supports Android tap to pay and Tap to Pay on iPhone. Its low rates and fast full digital onboarding experience already lead the market.

Pricing starts from 1.99% + $0.30 for Singapore-issued Visa and Mastercard. That's the lowest starting rate in this comparison. nashi also accepts Amex — something most platforms on this list don't support.

Onboarding is fully digital and typically completed in one business day. Settlements reach your bank account in two business days. No hardware, no monthly fee, no lock-in contract.

Key features

• Tap to Pay on iPhone and Android

• Accepts Visa, Mastercard, and Amex

• Fully digital KYC — no paperwork, typically approved in 1 business day

• Automatic payouts to bank account in 2 business days

• Full and partial refunds through the app

• No hardware, no monthly fees, no lock-in

Pricing

• Singapore Visa / Mastercard: from 1.99% + $0.30 (for eligible businesses)

• Amex and international cards: 3.3% + $0.30

• List pricing 2.7% for all other categories

• No setup fee, no monthly fee

• Contact nashi directly to discuss pricing for your business

Pros & cons

Pros:

• Lowest starting rate for Singapore card acceptance in this comparison

• Accepts Amex — rare among Tap to Phone providers in Singapore

• No hardware, no monthly subscription, no lock-in

• Fast digital onboarding with direct human support

Cons:

• Not a full POS — no inventory management or e-commerce features

• Does not support e-commerce, online payments

• No other support payment methods

Customers

nashi is built for sole proprietors and small businesses with fewer than 10 employees. Early adopters include fragrance and skincare brands, personal trainers, private tutors, logistics providers, and pop-up stall operators.

2. HitPay: Best all-rounder for Singapore merchants

HitPay was one of the six platforms to launch Tap to Pay on iPhone in Singapore from day one. It's the most widely used payment platform for Singapore small businesses. Beyond iPhone support, it offers payment links, PayNow, e-commerce, invoicing, and a website builder.

Rates are 2.5% for Singapore Visa and Mastercard, with a minimum fee of $0.20. International cards cost 3.20%, and Amex is accepted at the same 2.5% rate. There's no setup fee and no monthly subscription.

HitPay's strength is breadth. If you need one platform for both in-person and online payments, it delivers. Where it falls short is simplicity — public reviews flag feature bloat, onboarding delays, and inconsistent support.

Key features

• Tap to Pay on iPhone and Android

• Payment suite: links, invoicing, e-commerce, PayNow, website builder

• No setup or monthly fee

• Accepts Visa, Mastercard, and Amex

Pricing

• Singapore Visa / Mastercard: 2.5% (min $0.20)

• Amex: 2.5% (min $0.20)

• International Visa / Mastercard: 3.20%

• No setup fee, no monthly fee

Pros & cons

Pros:

• Most recognised brand for small business payments in Singapore

• Full payment suite across in-person and online channels

• Accepts Amex at the same rate as other cards

• Available on both iOS and Android

Cons:

• Feature-heavy for merchants who only need card acceptance

• Public reviews cite onboarding delays and account holds without warning

• Custom rates only available at S$50,000+/month volumes

• Support quality inconsistent based on Trustpilot and App Store reviews

  
  

Customers

HitPay is used widely by e-commerce brands that also sell in person — at pop-ups, markets, and dual-channel retail. It has built the strongest brand recognition among Singapore SMEs in this category.

2. Revolut Business: Best for merchants who want business banking too

Revolut was one of the six launch partners for Tap to Pay on iPhone in Singapore. It's primarily a business banking product — multi-currency accounts, FX, and corporate cards. Merchant payments came later, and Tap to Pay on iPhone is its most visible in-person feature.

Pricing for Singapore cards is 2.8% + $0.65. That fixed fee is higher than most competitors because of a $0.15 Tap to Phone surcharge on top of the base $0.50. Amex is not supported.

The biggest limitation: it's iPhone only. Android users cannot use Revolut for merchant payments at all. For merchants with staff using a mix of devices, that's a real constraint.

Key features

• Tap to Pay on iPhone (iOS only — no Android)

• Multi-currency business banking in the same app

• No setup fee on the entry plan

• Accepts Visa and Mastercard (Amex not supported)

  
  

Pricing

• Singapore Visa / Mastercard: 2.8% + $0.65

• International Visa / Mastercard: 3.6% + $0.65

• Amex: Not supported

• No setup fee; paid plan tiers exist for banking features

Pros & cons

Pros:

• One of the original Tap to Pay on iPhone partners in Singapore

• Strong global brand with high consumer recognition

• Multi-currency accounts and FX tools for international businesses

• No setup fee on entry tier

Cons:

• iPhone only — Android not supported at all

• Amex not supported

• $0.65 fixed fee is the highest in this comparison

• Business banking focus — card acceptance is a secondary feature

Customers

Revolut Business suits merchants who want a combined business banking and payments platform. It fits businesses with international clients or multi-currency needs. Less suited to micro-businesses that only need a simple in-person card acceptance tool.

3. Fiuu: Best for high-volume merchants with Southeast Asia operations

Fiuu was one of the six platforms to launch Tap to Pay on iPhone in Singapore from day one. It's a Singapore-based payment gateway with broad Southeast Asia coverage. iPhone acceptance integrates into its wider merchant acquiring offering.

The cost structure stands out. There's a $200 setup fee and a $500/month maintenance fee — waived only in year one. A 9% GST also applies on top of all transaction rates.

That brings the effective Singapore card rate from 2.90% to roughly 3.16%. Onboarding takes approximately 14 business days — the slowest in this comparison. For merchants who need to start quickly, Fiuu is a difficult fit.

Key features

• Tap to Pay on iPhone and Android

• Southeast Asia payment gateway coverage

• MAS-regulated payment institution

  
  

Pricing (before 9% GST)

• Setup fee: $200

• Monthly maintenance: $500 (waived year one)

• Singapore Visa / Mastercard: 2.90%

• International Visa / Mastercard: 3.65%

• Amex: Not supported

• Note: 9% GST applies on top of all rates listed above

  
  

Pros & cons

Pros:

• One of the original Tap to Pay on iPhone partners in Singapore

• Available on both iOS and Android

• Strong regional coverage across Southeast Asia

• MAS-regulated

Cons:

• $200 setup fee and $500/month maintenance after year one

• 9% GST significantly increases the effective cost

• ~14 business days to onboard — longest in this comparison

• Amex not supported

• Pricing not publicly available — requires direct contact

  
  

Customers

Fiuu is best suited to merchants with consistent high monthly transaction volumes that can absorb the maintenance fee. It's commonly used by established e-commerce and retail businesses with Southeast Asia regional operations.

4. Grab: Best for merchants serving the Grab ecosystem

GrabPay joined Tap to Pay on iPhone in Singapore in early 2026. It was not in the initial December 2025 launch group but followed shortly after. For merchants that serve Grab ecosystem customers, the GrabPay wallet rate of 0.80% is a compelling incentive.

Local Visa and Mastercard rates are 2.50% before adding 9% GST. That brings the effective rate to around 2.73%. Pricing is not published online and requires a WhatsApp conversation with sales.

Grab doesn't support Amex. For merchants outside the Grab consumer ecosystem, the platform's advantage is narrower. It's a strong option for F&B and lifestyle businesses that regularly serve Grab customers.

Key features

• Tap to Pay on iPhone and Android

• GrabPay and AliPay acceptance at preferential rates

• No setup fee, monthly fee, or cancellation fee

Pricing (before 9% GST)

• Singapore Visa / Mastercard: 2.50%

• International Visa / Mastercard: 3.20%

• GrabPay: 0.80%

• GrabPay / AliPay: 1.50%

• Amex: Not supported

• Note: 9% GST applies on top of all rates listed above

Pros & cons

Pros:

• No setup, monthly, or cancellation fees

• GrabPay rate of 0.80% — excellent for Grab ecosystem merchants

• Strong consumer brand recognition in Singapore

• Available on both iOS and Android

Cons:

• 9% GST on all fees increases effective cost considerably

• Amex not supported

• Pricing not publicly available — requires a WhatsApp conversation with sales

• Payment tools are secondary to Grab's core ride-hailing and food delivery business

Customers

Grab Tap to Pay suits merchants in food, lifestyle, transport, and logistics — categories where Grab's consumer base is already active. It's particularly valuable for businesses wanting to capture GrabPay wallet transactions at very low rates.

Frequently asked questions

What is Tap to Pay on iPhone and when did it launch in Singapore?

Apple launched Tap to Pay on iPhone in Singapore in December 2025. It allows merchants to accept contactless Visa and Mastercard payments — and mobile wallets — using an iPhone. No card reader or hardware is required; just an iPhone XS or later running the latest iOS.

Which Tap to Pay on iPhone platforms are available in Singapore?

Six platforms launched on day one in December 2025: Adyen, Fiuu, HitPay, Revolut, Stripe, and Zoho. Grab and nashi followed in early 2026.

What is the cheapest Tap to Pay on iPhone option in Singapore?

nashi’s rates are the lowest list prices at 1.99% + $0.30. HitPay and Grab both offer Singapore card rates starting at 2.50% with no fixed per-transaction fee. Grab requires adding 9% GST on top; HitPay does not. Revolut Business has a higher fixed fee of $0.65, which makes it more expensive for smaller transactions.

Do I need to buy any hardware?

No. Tap to Pay on iPhone uses the phone's built-in NFC — no card reader or additional hardware needed. Customers tap their card or mobile wallet directly on the iPhone.

Can I use Tap to Pay on iPhone for occasional or intermittent sales?

Yes. Most ptions in this list have no monthly subscription and no setup fee (Fiuu charges a set up fee and depending on your plan with Revolut additional fees may applie.. That makes them well-suited to pop-ups, events, market stalls, and any business that accepts cards occasionally.

What if I'm on Android — are there equivalent options?

Yes. nashi, HitPay, Fiuu, and Grab all support Android as well as iPhone.

Conclusion: Match the platform to how you actually sell

For Singapore merchants who need online and offline sales, HitPay is the safest starting point on iPhone. It has the widest feature set, strong brand recognition, and competitive rates. If you need PayNow, e-commerce, and in-person iPhone payments in one platform, it delivers.

Revolut Business suits merchants who want business banking and multi-currency accounts alongside card acceptance. Grab is worth it if you regularly serve GrabPay customers and want that 0.80% wallet rate. Fiuu suits high-volume merchants with Southeast Asia operations who can absorb the maintenance fee.

nashi is a good fit for buisnesses who need a simple and affordable in person card payment solution using Tap to Pay on iPhone. Excellent for mobile business on the go or businesses just get started.