Fiuu charges a $200 setup fee, a $500/month maintenance fee (waived only for the first year), takes up to 14 business days to onboard you, doesn’t publish its rates publicly, and adds 9% GST on top of every transaction fee.

For a small business in Singapore that just wants to start accepting card payments, that’s a lot of friction before you’ve processed a single payment.

This guide covers the 5 best Fiuu alternatives for Singapore businesses in 2026. Each option is evaluated on pricing, onboarding speed, supported devices, and who it’s actually built for — with an honest look at where each outperforms Fiuu and where it falls short.

What are the best Fiuu alternatives?

The top 5 Fiuu alternatives for Singapore businesses are nashi, HitPay, Stripe, Revolut Business, and Grab.

nashi is the most straightforward replacement: $0 setup, $0 monthly fee, no GST on transaction fees, and onboarding typically completed in 1 business day. It turns any NFC-enabled Android phone into a card terminal — no hardware required. HitPay is the most established local player with a broad feature set covering e-commerce, PayNow, and in-person payments. Stripe is the best option for businesses that need online and in-person payments under one platform. Revolut Business works well for iOS users who also want multi-currency business banking. Grab offers competitive card rates but adds 9% GST on fees and is primarily a super-app first, payment tool second.

Fiuu alternatives — Comparison table

1. nashi: Best Fiuu alternative for micro and small businesses

Fiuu’s pricing model creates a structural problem for small businesses: after the first year, you’re paying $500/month regardless of whether you use it at all. For a pop-up vendor, personal trainer, or contractor who accepts cards intermittently, that’s $6,000/year in platform fees before a single transaction.

nashi charges nothing until you transact. No setup fee, no monthly fee, no GST on fees. Download the app on your Android phone, complete digital onboarding in about a business day, and start accepting Visa, Mastercard, and Amex with a tap.

Where Fiuu takes up to 14 business days to onboard you and requires direct contact just to find out its rates, nashi publishes pricing on its website and can typically have you approved and processing payments within a single business day. For businesses that need to get moving quickly — a pop-up this weekend, a new contractor job starting Monday — the difference is material.

nashi is also purpose-built for in-person mobile use. There’s no Bluetooth accessory to sync, no terminal to set up, and no learning curve for staff. Customers tap their card or mobile wallet on the back of the merchant’s phone and the payment is done.

nashi homepage showing ‘Accept Contactless Payments with Your Phone’ headline, phone mockup with card tap visual, and $0 setup fee messaging

Key features

• Hardware-free — no card reader, no Bluetooth terminal, no accessories; uses the merchant’s existing NFC-enabled Android phone

• Simple checkout — open the app, enter the amount, customer taps card or mobile wallet on the back of the phone

• Accepts Visa, Mastercard, and AMEX — physical cards and mobile wallets

• Digital onboarding — KYC completed entirely in-app; requires ACRA bizfile, IDs of majority shareholders, and bank statement

• Segment-specific pricing — published list pricing with the ability to discuss rates based on your industry and transaction volume

• Free trial — up to $1,000 in fee-free transactions to get started

• Settlements — automatic payouts to your bank account within 2 business days

• Refunds — full or partial refunds issued directly through the app

• Human-led support — direct human support, not ticket-only

Pricing

Published list pricing: 2.4% for businesses new to cards; 2.7% for all other categories. nashi will discuss rates based on your industry and business maturity. No GST on fees, no monthly fee, no setup fee.

Pros and cons

Pros:

• $0 setup, $0 monthly — no sunk cost before your first transaction, unlike Fiuu’s $500/month after year one

• Fastest onboarding in the category — typically 1 business day vs Fiuu’s ~14 business days

• Pricing published on the website; no need to contact sales just to find out what you’ll pay

• Accepts Amex — Fiuu does not

• No GST on transaction fees, unlike Fiuu where 9% GST is added on top

• Free trial of $1,000 in fee-free transactions to test before committing

• PCI-DSS compliant, powered by Adyen’s payment infrastructure

Cons:

• Android only currently — iOS / Tap to Pay on iPhone is coming soon but not yet available

• Not competitive for F&B or low-value transactions (e.g. $5 coffees)

• In-person only — no e-commerce or online payment support

• No inventory management or full POS features — purpose-built for card acceptance only

  
  

Who it’s for

nashi is the strongest Fiuu alternative for micro and small businesses that want card acceptance without the cost complexity. Particularly well-suited for: pop-ups, market stalls, event vendors, service businesses (contractors, trainers, tutors, beauty services), and any business that accepts cards intermittently and doesn’t want to pay $500/month for the privilege.

2. HitPay: Best Fiuu alternative for all-in-one payments

HitPay is the most established local player in Singapore’s small business payment space. Where Fiuu positions itself as a technical payment gateway, HitPay is a full platform — covering Tap to Phone, PayNow, payment links, e-commerce, invoicing, and more.

If your business operates both online and in-person, or if you want a single platform to handle all payment types rather than combining nashi (cards) with a separate PayNow solution, HitPay is worth evaluating. It’s available on both Android and iOS, charges $0 setup and $0 monthly fee, and doesn’t add GST on transaction fees.

The trade-offs are real though. Public reviews on Trustpilot and app stores cite onboarding delays, account holds without warning, and support responsiveness issues — particularly for businesses that need to get up and running quickly for a pop-up or event. Custom rates are only available to merchants processing over S$50,000/month, leaving small-volume merchants on standard pricing with no ability to negotiate.

HitPay homepage showing all-in-one payment solutions for growing businesses with Tap to Phone, PayNow, e-commerce, and invoicing highlighted

Key features

• Full payment suite: Tap to Phone, PayNow, payment links, e-commerce, invoicing, website builder, BNPL

• Available on Android and iOS

• Accepts Visa, Mastercard, and Amex

• No setup fee, no monthly fee

  
  

Pricing

Pros & cons

Pros:

• Most recognised brand in Singapore for small business payments — widely trusted

• Broad feature set: covers online, in-person, PayNow, invoicing, and BNPL in one platform

• Available on both Android and iOS — no device restrictions

• $0 setup, $0 monthly fee, no GST on transaction fees

Cons:

• Onboarding delays documented in public reviews — merchants report feeling “stuck on a waitlist” with no communication

• Account holds without warning or clear explanation — disruptive for pop-ups and time-sensitive events

• Feature bloat: website builder, invoicing, and payment links are noise for merchants who only need in-person card acceptance

• Custom pricing only available at S$50,000+/month — small businesses get standard rates with no negotiation

• Support described as slow and reactive in public reviews; limited weekend/after-hours availability

3. Stripe: Best Fiuu alternative for businesses with online and in-person payments

Stripe is a global payment platform built primarily for e-commerce, with in-person Tap to Phone added as an extension. If your business has both an online store and a physical or mobile selling component, Stripe offers unified payment infrastructure that Fiuu — or most dedicated Tap to Phone tools — can’t match.

The trade-off is cost. At 3.4% + $0.50 per Singapore card transaction, Stripe is among the most expensive options for in-person card acceptance in Singapore. That fixed fee of $0.50 also makes it poor value for lower-value transactions — at a $20 transaction, you’re paying an effective rate of 5.9% once the fixed fee is factored in.

Stripe pricing is transparent, fixed, and non-negotiable. There are no segment-specific rates or conversations about your industry profile.

Stripe homepage showing financial infrastructure for businesses with Tap to Phone, online payments, and e-commerce capabilities

Key features

• In-person Tap to Phone on Android and iOS

• Full e-commerce platform with hosted payment pages, subscriptions, and API access

• Accepts Visa, Mastercard, and Amex

• Transparent published pricing — no need to contact sales

Pricing

No setup fee, no monthly fee. No GST on transaction fees. Additional 0.50% for international cards on top of domestic rates.

Pros & cons

Pros:

• Unmatched e-commerce capabilities — best choice if online and in-person payments need to be unified

• Available on Android and iOS

• Fully transparent pricing — no contact required to find out what you’ll pay

• Accepts Amex at the same rate as Visa/Mastercard

• Charges for PayNow (unlike direct bank-based PayNow) — but useful for businesses that want it in one platform

Cons:

• Most expensive option for in-person Singapore card acceptance (3.4% + $0.50)

• Fixed fee of $0.50 makes it uncompetitive for lower-value transactions

• No ability to negotiate rates regardless of volume or industry

• In-person Tap to Phone is an add-on to an e-commerce platform, not a purpose-built mobile tool

• Overkill and unnecessarily complex for businesses that only need in-person card acceptance

  
  

4. Revolut Business: Best Fiuu alternative for iOS users with multi-currency needs

Revolut Business is a fintech banking platform that added Tap to Phone as part of its business product suite. If you hold multi-currency accounts, pay international suppliers, or make frequent cross-border transactions, Revolut’s banking features add real value alongside card acceptance.

The critical limitation: Revolut’s Tap to Phone is iOS only. Android merchants cannot use it.

Revolut also adds a $0.15 surcharge for the Tap to Phone feature on top of its base transaction fee, bringing the effective fixed fee to $0.65 per transaction. And unlike nashi or Stripe, Revolut does not support Amex.

Revolut Business homepage showing multi-currency business accounts, business debit cards, and Tap to Phone card acceptance for iOS

Key features

• Tap to Phone on iOS only

• Multi-currency business accounts with competitive FX rates

• Business debit cards and expense management

• Accepts Visa and Mastercard (no Amex)

Pricing

$0 setup fee. Monthly fee on base plan is $0; higher Revolut Business tiers carry a monthly subscription. No GST on fees. The $0.65 fixed fee includes a $0.15 Tap to Phone surcharge added on top of the base $0.50.

Pros & cons

Pros:

• Strong multi-currency banking — genuinely useful for businesses with international suppliers or clients

• Well-known global brand with strong consumer trust

• No setup fee, no GST on fees

• Lower percentage rate than Stripe for Singapore cards (2.8% vs 3.4%)

Cons:

• iOS only — Android users are entirely excluded

• Does not support Amex

• Higher fixed fee ($0.65) than alternatives — particularly costly for lower-value transactions

• Tap to Phone is secondary to its core banking product; not purpose-built for mobile card acceptance

• Higher tiers carry a monthly subscription — costs can add up depending on your plan

  
  

5. Grab: Best Fiuu alternative for merchants in the Grab ecosystem

Grab’s Tap to Phone product offers competitive Singapore card rates at 2.50% — lower than HitPay’s 2.5% floor and significantly cheaper than Stripe’s 3.4% + $0.50. It also accepts GrabPay at 0.80% and GrabPay/AliPay at 1.50%, which is meaningful for merchants serving Grab’s large consumer base.

The important caveat: Grab adds 9% GST on all transaction fees, making the effective rates higher than they appear. That 2.50% Singapore card rate becomes approximately 2.73% after GST. Fiuu has the same issue — so this is not a point of difference between the two, but it’s important to compare against providers like nashi, HitPay, Stripe, and Revolut that don’t add GST on fees.

Pricing is also not published — it was obtained via WhatsApp with a sales person, which isn’t ideal for businesses that want transparent, accessible pricing without a sales conversation.

Grab merchant homepage showing GrabPay, Tap to Phone, and payment solutions for Singapore businesses

Key features

• Tap to Phone on Android and iOS

• Accepts Visa, Mastercard, GrabPay, and AliPay (no Amex)

• No setup, monthly, or cancellation fees

• GrabPay at very low rates (0.80%) — strong value for Grab ecosystem merchants

Pricing (before GST)

9% GST is added on top of all rates. Rates above are for non-F&B businesses. No setup, monthly, or cancellation fees.

Pros & cons

Pros:

• Competitive base rate for Singapore cards (2.50% before GST)

• Very low GrabPay rate (0.80%) — good for merchants whose customers use Grab regularly

• No setup, monthly, or cancellation fees

• Available on Android and iOS

Cons:

• 9% GST on fees increases the effective cost on every transaction

• Does not support Amex

• Pricing is not publicly published — requires a WhatsApp conversation with sales

• Grab is primarily a super-app; payment tools are secondary to ride-hailing and food delivery

• GrabPay advantage is only relevant if your customers are Grab users

Frequently asked questions

Why would I look for a Fiuu alternative?

Fiuu’s cost structure is the main reason businesses look elsewhere. The $200 setup fee and $500/month maintenance fee (waived for the first year, but recurring after that) add up to $6,200 in fixed costs before you account for transaction fees. Add 9% GST on every fee, and Fiuu becomes expensive for any business that doesn’t process very high volumes.

The ~14 business day onboarding timeline is also a barrier for businesses that need to start accepting payments quickly. If you’re setting up for a pop-up next week or just won a new client who wants to pay by card, two weeks of waiting isn’t workable.

Which Fiuu alternative has no setup or monthly fees?

nashi, HitPay, Stripe, and Grab all charge $0 setup and $0 monthly fee. Revolut Business charges $0 on its base plan (higher tiers have monthly fees). None of these have the recurring cost problem that makes Fiuu expensive after year one.

Which Fiuu alternative has the lowest transaction rates for Singapore cards?

For Singapore-issued Visa and Mastercard:

• nashi starts from 1.99% + $0.30 (segment-specific; negotiated based on your industry)

• Grab is 2.50% before GST (~2.73% after 9% GST)

• HitPay is 2.5% with a minimum fee of S$0.20

• Revolut Business is 2.8% + $0.65

• Stripe is 3.4% + $0.50

nashi offers the lowest headline rate for qualifying segments. For businesses that don’t qualify for nashi’s segment pricing, HitPay and Grab are the next most competitive — though Grab’s GST surcharge narrows the gap.

Which Fiuu alternative onboards fastest?

nashi typically approves merchants within 1 business day. HitPay and Stripe are self-serve and generally faster than Fiuu’s ~14 days, though HitPay’s public reviews cite onboarding delays as a recurring issue. Revolut Business onboarding depends on your banking account setup.

Does any Fiuu alternative accept Amex?

nashi and Stripe both accept Amex. HitPay accepts Amex at the same rate as Visa/Mastercard (2.5%). Revolut Business and Grab do not support Amex. Fiuu also does not support Amex — so if Amex acceptance is a requirement, any of the first three options solve a gap that Fiuu itself doesn’t address.

Which Fiuu alternative is best for pop-ups and events?

nashi is purpose-built for intermittent and mobile use. With no monthly fee, there’s no cost when you’re not transacting — making it ideal for seasonal businesses, pop-ups, and event vendors. Grab is also a reasonable option if your customers are Grab users. HitPay is used by many pop-up merchants in Singapore but has a history of onboarding and account hold issues that are particularly painful for businesses that can’t afford downtime during an event.

Do I still need PayNow if I use one of these alternatives?

Yes — and most providers are complementary to PayNow, not a replacement. PayNow is free for bank-to-bank transfers and widely used in Singapore. The alternatives above add card acceptance on top of what you’re already doing with PayNow. nashi specifically positions itself as complementary to PayNow: keep using PayNow for free where customers prefer it, and use nashi when customers want to pay by card or where PayNow isn’t an option (international visitors, higher-value transactions where customers prefer to earn card rewards).

Conclusion: Choosing your Fiuu alternative

Fiuu’s main problems are cost and speed. $200 upfront, $500/month after year one, 9% GST on fees, ~14 days to onboard, and pricing that isn’t published — that combination is a poor fit for any Singapore small business that doesn’t process very high volumes.

For micro and small businesses that want simple, hardware-free card acceptance with no fixed costs, nashi is the most direct replacement. $0 setup, $0 monthly, no GST on fees, onboarding in about a business day, and segment-specific pricing that can come in below any published competitor rate. The free trial of $1,000 in fee-free transactions removes any remaining risk.

For businesses that need a full payment platform covering online, PayNow, and in-person, HitPay is the most established local option despite its documented onboarding and support friction.

For businesses with significant e-commerce revenue alongside in-person selling, Stripe provides the most complete technical foundation — at a higher per-transaction cost.

For iOS users who also want multi-currency business banking, Revolut Business offers real banking utility alongside card acceptance, with the significant limitation that Android users are excluded entirely.

For merchants heavily integrated into the Grab consumer ecosystem, Grab’s Tap to Phone offers competitive base rates — though the 9% GST surcharge and unpublished pricing make it less transparent than it first appears.

No setup fee. No monthly fee. No hardware. Start accepting cards in about a business day. Try nashi free with $1,000 in fee-free transactions and see how it compares in practice.