Creating an account is completely free.
ipaymy only charges a transaction fee when you make a payment.
There are no monthly fees, no setup fees, and no hidden charges.
Transaction Fees by Country & Card Type
🇸🇬 Singapore (SGD Payouts)
Local Visa, UnionPay or AMEX | 2.4% |
Local Mastercard | 2.7% |
International Visa, UnionPay or AMEX | 3.35% |
International Mastercard | 3.95% |
🇭🇰 Hong Kong (HKD payouts)
Local Visa, Mastercard or UnionPay | 2.6% |
International Visa | 3.35% |
International Mastercard | 3.7% |
🇲🇾 Malaysia (MYR payouts)
Local Visa or Mastercard | 2.25% |
International Visa | 3.5% |
International Mastercard | 3.8% |
🇦🇺 Australia (AUD payouts)
Local Visa or Mastercard | 1.2% |
International Visa | 3.6% |
International Mastercard | 3.7% |
How the fee is calculated
If you make a $1,000 payment, and the fee is 2.4%, your card will be charged:
Payment amount: $1,000 + Fee: $24 (2.4%)= Total Charged: $1,024
The fee is added to the payment at checkout so you always see the full amount before confirming.