Home services businesses in Singapore don't operate like retailers. There's no counter, no till, and no queue. Payment happens at the end of a job — in someone's home, on their terms.

Cards account for 34% of in-person transactions in Singapore in 2026, with contactless and mobile payments growing steadily. Expats, professionals, and younger consumers often avoid carrying cash. A home services business that can't accept cards loses sales — not because the customer won't pay, but because they can't.

Singapore's home services market spans a wide range of businesses. Aircon servicing, house cleaning, renovation work, pest control, plumbing, electrical maintenance, and interior design — all involve workers entering a customer's home. Payment is collected at the job site, after a project milestone, or in advance before work begins.

Card payment in home services breaks into three scenarios: on-site acceptance, remote collection after the job, and upfront booking deposits. Each requires a different tool. This guide covers one solution for each.

What are the best card payment solutions for home services businesses in Singapore?

nashi is the most practical tool for technicians and tradespeople who take cards at the customer's home. Airwallex suits home services businesses that invoice after the job and collect via payment links. Xendit is built for businesses with a website that want to accept card deposits at the booking stage.

1. nashi: Tap to Phone for on-site card acceptance

Quick note: nashi is our own product. We've included it because we genuinely believe it belongs here — but you should know we're not a neutral party.

nashi turns any NFC-enabled Android phone into a card terminal. No card reader, no Bluetooth device, no monthly fee. The customer taps their card on your phone and the payment confirms in seconds.

For home services workers, this removes a real friction point. Getting paid at the end of a job — before leaving the property — is the most reliable collection method. There's no invoice to chase, no bank transfer to wait for, and no cash to handle.

Card acceptance is approved in one business day through a fully digital KYC process. No branch visit, no physical paperwork required. New merchants receive a free trial covering up to $1,000 in fee-free transactions.

nashi is also the only Tap to Phone solution in Singapore that accepts Amex alongside Visa and Mastercard. For home services workers in expat-heavy areas, Amex coverage removes a gap other mobile tools leave open. Customers carrying corporate cards or international Amex can pay without friction.

What it does

• Tap to Phone on any NFC-enabled Android phone — no card reader required

• Accepts Visa, Mastercard, and Amex

• Fully digital KYC — approved in one business day

• Automatic payouts to your bank account in 2 business days (T+2)

• Full and partial refunds through the app

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

• Free trial: up to $1,000 in fee-free transactions

• Android; iOS Tap to Pay support is coming soon

What you'll pay

• Singapore-issued Visa and Mastercard: from 1.99% + $0.30 (eligible segments); 2.4% (new-to-cards standard); 2.7% (full standard pricing)

• Amex and international cards: 3.3% + $0.30

• No setup fee, no monthly fee

• Contact nashi directly to discuss pricing for your business category

Strengths and limitations

Strengths:

• No hardware — works on any NFC-enabled Android phone you already carry

• Lowest starting rate for card acceptance in Singapore

• Amex accepted — uncommon among Singapore mobile payment tools

• One-day digital onboarding with no paperwork or branch visits

• Free trial covers the first $1,000 in transactions

Limitations:

• Android only for now — iOS Tap to Pay on iPhone is coming soon

• Requires physical presence — no remote payment link capability

• No scheduling, invoicing, or service management features

  
  

Who it suits

nashi works best for individual technicians and small teams dispatched to customer locations. Think aircon servicing, house cleaning, plumbing, electrical, and handyman businesses — where the job ends at the customer's property. If your work finishes on-site and you want card acceptance without hardware overhead, nashi covers that.

The no-hardware setup also suits home services businesses just getting started with card acceptance. No equipment budget, no delivery lead time, and no branch visits. Apply through the app, get approved, and take your first card tap at the next job.

2. Airwallex: Payment links for remote card collection

Not every home services payment happens at the job site. Renovation contractors, interior designers, and project-based businesses often bill after work is complete. The customer isn't standing there waiting — they need to pay from wherever they are.

Airwallex is a global financial platform holding a Major Payment Institution licence from the MAS in Singapore. Its payment links feature lets you create a secure card payment URL and share it via WhatsApp, email, or SMS. The customer clicks the link, enters their card details, and pays — without you being physically present.

This works well for collecting renovation deposits, stage payments, or final invoices on completed projects. The client pays from their phone or laptop at their convenience. No follow-up call, no cash handling, no waiting at the bank.

What it does

• Generate a secure payment link in minutes — no website or developer required

• Share directly via WhatsApp, email, or SMS — or embed in an invoice

• Accepts Visa, Mastercard, and international cards

• Multi-currency support — useful for expat or overseas clients paying in foreign currency

• MAS-licensed payment institution in Singapore

• Available on both Android and iOS

• Explore plan: no monthly fee (pay per transaction only)

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What you'll pay

• Singapore domestic cards via payment links: 3.3% + SGD $0.50 per transaction

• International cards: higher rates apply

• No setup fee; no monthly fee on the Explore base plan

• Grow plan: SGD $79/month; Accelerate plan: SGD $399/month (adds expense management and team controls)

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Strengths and limitations

Strengths:

• No physical presence needed — collect card payment remotely after the job

• Payment links created and shared in minutes — no developer required

• Multi-currency support for expat and international clients

• MAS-regulated and widely recognised in Singapore

• No monthly fee on the base Explore plan

Limitations:

• Payment link rate of 3.3% + $0.50 is higher than on-site card alternatives

• KYC onboarding takes approximately 3 business days

• Primarily a multi-currency banking product — more complex than a purpose-built payment link tool

• No on-site card terminal capability

Who it suits

Airwallex payment links work well for home services businesses that bill on a project or invoice basis. Renovation companies, interior designers, home cleaning subscriptions, and pest control firms that invoice after the fact fit the model. Less suited to businesses that need cards accepted on-site with the customer present.

It's also worth considering for businesses with international or expat clients. Multi-currency support means clients paying from overseas accounts can complete the transaction without friction. That capability is uncommon in local Singapore payment tools.

3. Xendit: Payment gateway for booking-based home services

Some home services businesses take bookings before the job happens. A cleaning company, a pest control firm, or an aircon servicing business may want to collect a deposit upfront. That requires a different tool from Tap to Phone or a payment link.

Xendit is a Southeast Asia payment gateway accepting cards, PayNow, and 100+ payment methods in Singapore. Businesses can integrate it into an online booking form to capture deposits at the point of booking. Payment links are also available for businesses without a website.

For businesses scaling beyond a sole operator, Xendit provides more robust payment infrastructure. Multiple staff, multiple service types, and multiple customer channels can all funnel through one platform. That matters when you're running field teams and taking bookings through a website, WhatsApp, and a front desk simultaneously.

What it does

• Payment gateway: integrates into websites and booking systems to capture card deposits

• Payment links: unlimited, created free in the dashboard — no website required

• Accepts PayNow, Visa, and Mastercard in Singapore

• 100+ payment methods across Southeast Asia

• Real-time payment notifications

• Available on Android and iOS

What you'll pay

• PayNow: 1.3% + SGD $0.30 per transaction

• Visa / Mastercard: contact Xendit for Singapore card pricing — not publicly published

• No monthly fee, no setup fee

• Pay only on completed transactions

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Strengths and limitations

Strengths:

• No monthly fee — pay only on transactions processed

• PayNow rate of 1.3% + $0.30 is competitive for local bank transfer acceptance

• Unlimited payment links at no additional cost

• Strong Southeast Asia coverage for regionally operating businesses

• Can integrate into a booking website or app for advanced setups

Limitations:

• Visa and Mastercard card rates are not published — requires direct contact for pricing

• More setup required than Tap to Phone — not suited to immediate on-site acceptance

• Primarily marketed at e-commerce businesses; home services teams may need to self-configure

• Not designed for on-site card tapping at the customer's location

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Who it suits

Xendit suits home services companies that want to take bookings and deposits by card online. Think cleaning businesses with online booking forms, or pest control companies offering prepaid annual service contracts. If you have or plan to build a website, Xendit provides the payment layer.

It's also suitable for home services businesses expanding regionally. Its Southeast Asia coverage means the same platform works in Singapore, Malaysia, Indonesia, and the Philippines. For businesses growing into a regional footprint, that's infrastructure already in place.

Frequently asked questions

Can I accept card payments at a customer's home without a card reader?

Yes. nashi's Tap to Phone app turns any NFC-enabled Android phone into a card terminal. Visa, Mastercard, and Amex can all be accepted by tapping a physical card or mobile wallet directly on your phone.

How do payment links work for home services businesses?

A payment link is a URL you generate and send to the customer — via WhatsApp, email, or SMS. The customer clicks the link, enters their card details, and pays from their phone or computer. Airwallex and Xendit both offer this without requiring a website.

Do I need a website to collect card payments in a home services business?

No. nashi processes on-site card taps without any website at all. Airwallex and Xendit both generate payment links shareable without a website. Xendit also integrates into websites when you're ready to add an online booking system.

What is the cheapest way to accept card payments for home services in Singapore?

nashi has the lowest starting rate for on-site card acceptance — from 1.99% + $0.30 for Singapore-issued Visa and Mastercard. There is no monthly fee, no setup fee, and no hardware to buy. A free trial covers up to $1,000 in transactions before any rate applies.

Can I accept Amex as a home services provider in Singapore?

Yes — through nashi, at 3.3% + $0.30 per transaction. Amex acceptance is less common among Singapore mobile payment tools, but relevant for home services businesses with expat or corporate clients. Airwallex payment links also support international card types, though rates vary.

Which solution is best for collecting a deposit before a home services job?

Xendit is the strongest option for upfront booking payments via a website or booking system. Airwallex payment links can also serve this purpose — generate a link and send it before the job starts. nashi is designed for on-site payment at job completion, not pre-job collection.

How long does it take to get set up with card payments for a home services business?

nashi approves merchants in one business day through a fully digital process. Airwallex onboarding takes approximately 3 business days. Xendit requires KYC documentation as well — timeframes vary but are typically within a few business days. Apply at least a week before your first job to give yourself buffer if additional verification is needed.

What if a customer's card is declined at the end of a job?

nashi shows a clear decline notification on-screen immediately. The customer can try a different card, or pay via PayNow from their bank app as a fallback. Having a PayNow QR code available at the job site is a practical backup for this scenario.

Is PayNow the same as card payment?

No. PayNow is a bank-to-bank transfer scheme — free for merchants and widely used in Singapore. It only works for customers with a local Singapore bank account. Cards — Visa, Mastercard, and Amex — work for anyone, including expat clients who don't bank locally.

Conclusion: The right tool for the right moment

Card payment for home services in Singapore doesn't have one universal answer. The right solution depends on where and when payment happens — at the job, after invoicing, or at the booking stage. Each scenario calls for a different tool.

Individual technicians and field workers accepting cards on-site should use nashi. No hardware, no monthly fee, and Amex support — with approval in one business day. The free trial covers up to $1,000 in transactions before any rate applies.

Home services businesses that invoice after the job should look at Airwallex payment links. Generate a link in minutes and send it over WhatsApp when the work is done. No physical presence needed — the customer pays on their own time.

Businesses with an online booking system, or planning to build one, should consider Xendit. Its payment gateway handles cards, PayNow, and booking-stage deposits in one platform. It's built for businesses taking multiple bookings daily and wanting payments sorted before the team arrives.

For on-site card acceptance, start with nashi. The setup takes one business day and requires no hardware to buy or carry. The free trial covers up to $1,000 in fee-free transactions. Try nashi free — pay nothing until you've processed your first thousand dollars.