Creating an account is completely free.
ipaymy only charges a Service fee when you make a payment.
There are no monthly fees, no setup fees, and no hidden charges.
Service Fees by Country & Card Type
🇸🇬 Singapore (SGD Payouts)
Local Visa | 2.95% |
Local Mastercard | 2.85% |
Local UnionPay or AMEX* | 2.40% |
International Visa, UnionPay or AMEX* | 3.35% |
International Mastercard | 3.95% |
*AMEX cards are only accepted for Personal Users.
🇭🇰 Hong Kong (HKD payouts)
Local Visa, Mastercard or UnionPay | 2.60% |
🇲🇾 Malaysia (MYR payouts)
Local Visa or Mastercard* | 1.55% |
International Visa | 3.50% |
International Mastercard | 3.80% |
*Local Visa or Mastercard Charge cards incur a 2.60% Service fee.
🇦🇺 Australia (AUD payouts)
Local Visa or Mastercard | 1.60% |
International Visa | 3.60% |
International Mastercard | 3.70% |
How the Service 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 + Service Fee: $24 (2.4%)= Total Charged: $1,024
The Service fee is added to the payment at checkout so you always see the full amount before confirming.