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.
Your fee depends on where your payout is going and the card you use.
Transaction Fees by Country & Card Type
🇸🇬 Singapore (SGD Payouts)
Local Visa, UnionPay or AMEX | 2.4% |
Local Mastercard | 2.7% |
International Visa, Mastercard, or UnionPay | 3.3% |
🇭🇰 Hong Kong (HKD payouts)
Local Visa or Mastercard | 2.6% |
International Visa, or Mastercard | 3.5% |
🇭🇰 Hong Kong (USD payouts)
Local Visa or Mastercard | 2.8% |
International Visa, or Mastercard | 3.5% |
🇲🇾 Malaysia (MYR payouts)
Local Visa or Mastercard | 2.25% |
International Visa or Mastercard | 3.3% |
🇦🇺 Australia (AUD payouts)
Local Visa or Mastercard | 1.2% |
International Visa, or Mastercard | 3.3% |
How the fee is calculated
If you make a $1,000 payment, and the fee is 2.25%, your card will be charged:
Payment amount: $1,000
+
Fee: $22.50 (2.25%)
=
Total Charged: $1,022.50
The fee is added to the payment at checkout so you always see the full amount before confirming.