‼️ Note: International Payments are only available to Singapore users
💳 What makes up the total cost?
When you make an international payment, the total amount charged is made up of:
ipaymy’s service fee
Applicable bank and safeguarding fees
The FX rate used to convert your payment amount
All fees and the FX rate are shown clearly before you confirm your payment.
ipaymy Service Fees
These are ipaymy’s service fees for processing your payment, including card handling, payment processing, and operational support.
Singapore-issued Visa and UnionPay* | 2.4% |
Singapore-issued Mastercard | 2.7% |
Internationally issued Visa and UnionPay | 3.35% |
Internationally issued Mastercard | 3.95% |
* The 2.4% rate for Singapore-issued Visa and UnionPay has been reduced from the previous 2.8%.
✅ Before you confirm your payment
Before you proceed with an international payment, you’ll always be able to review the full fee breakdown including:
ipaymy Service Fee
Bank Fee*
FX Rate
Total Payment Amount
‼️ There are no hidden fees added after confirmation.
* SGD80 bank fee per international payment. For payment amount above SGD50,000, additional bank fees may apply. If applicable, these fees will be shown before you confirm your payment.
If you still have questions, our team is happy to help - just reach out via chat.