HitPay
#1 · Best for paymentsThe cheapest way to get paid. No monthly fee, no setup fee, and PayNow at 0.65% plus S$0.30 above S$100. On a S$400 sale that is about S$2.90, against roughly S$10.50 on a card. It is MAS-licensed, and the POS app will run a counter, but it will not run your stock. There is a recurring complaint pattern about frozen accounts, so keep a bank buffer.