Accepting GrabPay as a merchant
GrabPay is the payment service inside the Grab app, used in Singapore, Malaysia and the Philippines. The shopper pays from a GrabPay Wallet, a stored e-money balance, and approves the payment in Grab. Each country has its own regulated entity: in Singapore GPay Network (S) Pte Ltd is licensed by the Monetary Authority of Singapore to provide e-money issuance services, in Malaysia GrabPay is regulated by Bank Negara Malaysia, and in the Philippines GPay Network PH Inc. is regulated by the Bangko Sentral ng Pilipinas. For a European merchant selling into these three markets, the point to understand is that the published price of GrabPay is not one price. It follows the shopper's country.
Published prices for GrabPayPer provider, country and channel, further down this pageGo to the pricesHow to accept GrabPay as a merchant
For a business established in Europe the practical route is a PSP that carries GrabPay cross-border. Adyen offers it for shoppers in Singapore, Malaysia and the Philippines. Airwallex makes it available to businesses registered in the EU and the UK, among other regions. YabandPay prices GrabPay for Singapore through the Alipay+ network.
Grab's own merchant offer on its Singapore site is built around the shop: card and QR acceptance through the GrabMerchant app, with in-store payments credited the next calendar day. It prints no merchant discount rate. Online, the shopper is redirected from your checkout to GrabPay and returns once the payment is approved.
Wallet
GrabPay pays from a prefunded balance, not on a card rail
The shopper tops up the wallet first. In Singapore that is by credit or debit card or PayNow, in Malaysia by card or online banking, and in the Philippines also in store or at an ATM. Online, Stripe describes the shopper authenticating the payment with a one-time password before returning to the merchant. No card issuer decides on the payment, so interchange and scheme fees do not apply to your transaction.
A GrabPay payment carries no chargeback cycle. Adyen lists chargebacks as not supported, and Stripe states there is no dispute process that can result in a chargeback. A refund is initiated by you, inside a window set by the route: Stripe and Airwallex allow refunds up to 90 days after the payment. Airwallex adds that a refund requires equivalent or higher transaction volume on the account.
Where GrabPay is used, and where it is sold
GrabPay is used in shops through a QR code the shopper scans, and online at partner sites and apps; on its Philippine page Grab names Starbucks and Uniqlo among partner stores and Zalora among partner sites. Shoppers pay in their own currency: Singapore dollars, ringgit or Philippine pesos.
GrabPay PayLater, where the shopper pays next month or in four instalments over three months, runs through the same integration. Adyen documents it for Malaysia and Singapore only, and returns a separate variant code when a GrabPay payment is a PayLater payment.
Pricing
The published price changes with the shopper's country
Grab does not publish an online merchant rate. PSPs do, and Adyen prints a different price per shopper country for online payments from a European account: 0.11 euro plus 2.80% for Singapore, 0.11 euro plus 1.50% for Malaysia and 0.11 euro plus 2.20% for the Philippines. YabandPay prints 3.00% plus 0.10 euro for GrabPay in Singapore through Alipay+.
On an 80 euro order that is 2.35 euro for a Singapore shopper, 1.31 euro for a Malaysian shopper and 1.87 euro for a Philippine shopper at Adyen, and 2.50 euro for a Singapore shopper at YabandPay. Take 1 million euro of GrabPay volume at an average order of 80 euro, so 12,500 orders. With 70% from Singapore, 20% from Malaysia and 10% from the Philippines, Adyen's published rates come to 26,175 euro a year. With 30% from Singapore, 60% from Malaysia and 10% from the Philippines, the same volume at the same provider costs 20,975 euro. The country mix alone moves the cost by 5,200 euro.
These are published list prices and the example is illustrative; your quoted rate decides what you actually pay. The consequence for a budget is that a GrabPay rate cannot be judged without the country split behind it. Ask for the quoted rate per shopper country, and set it against your own order data by country.
Coverage
The route decides which of the three markets you reach
PSPs do not all carry the same GrabPay. Adyen lists Malaysia, the Philippines and Singapore. Airwallex lists Singapore and Malaysia. YabandPay prices Singapore only. Stripe offers GrabPay to accounts in Malaysia and Singapore, not to a European account.
A route without the Philippines does not reach Philippine shoppers at any price. Before you compare rates, establish for each provider which shopper countries are included for a business established where yours is, and compare only the countries your orders actually come from.
Contract
Fix in writing which currency you are settled in, and who converts
The shopper pays in Singapore dollars, ringgit or pesos, and a European merchant is usually settled in another currency. Airwallex states that only businesses registered in Malaysia can be settled in ringgit, and that others are settled in US dollars or in the account's default settlement currency. Stripe, for its Singapore accounts, prints a surcharge of 2.00% where currency conversion is required.
The conversion is a price that the per-transaction rate does not show. On 1 million euro of GrabPay volume, each 0.5 percentage point of conversion margin is 5,000 euro a year, about as much as the country mix in the example above. Agree in writing the settlement currency per GrabPay currency, the reference rate, the margin, and how a refund is converted back.
The wallet limit is a ceiling on your basket
Grab's Singapore terms state that a user can hold at most 5,000 Singapore dollars in GrabPay credits, and that wallet payments may not exceed 30,000 Singapore dollars in a calendar year. Airwallex prints the matching transaction maximum of 5,000 Singapore dollars, and 9,999 ringgit in Malaysia. For PayLater by Grab it prints 7,000 Singapore dollars and 6,000 ringgit, and adds that the exact maximum is determined by Grab and the shopper.
For a merchant selling high-value goods, a GrabPay button above those amounts leads to a payment that cannot complete from the wallet. Hide the wallet above the limit for that country, show PayLater where it is enabled and its limit is higher, and route larger baskets to a method that can carry them.
Which payment providers support GrabPay
In the index, Adyen, Airwallex, HitPay, Novalnet, Stripe and YabandPay offer GrabPay. Not all of them serve a business established in Europe: Stripe documents GrabPay for accounts in Malaysia and Singapore, and HitPay names Singapore, Malaysia and the Philippines as its merchant countries.
The questions to put to each are the same: which shopper countries are included for your entity, the quoted rate per country, the settlement currency and conversion margin, the refund window, and whether PayLater is switched on and at which rate.
Retail Payment Methods Transparency Index
Published prices for GrabPay, per provider
4 providers in the index offer GrabPay to merchants established in Europe, and 2 of them publish a price.
Each rate is shown as the provider prints it, and the provider's name links to the page it was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell.
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| Adyen Merchants anywhere in the EU | Singapore: €0.11 + 2.80%; Malaysia: €0.11 + 1.50%; Philippines: €0.11 + 2.20%Processing fee + Percentage | Online |
| Adyen Merchants anywhere in the EU | In person: Singapore €0.11 + 2.20%; Malaysia €0.11 + 1.50%; PayLater Instalments (Singapore, Malaysia): €0.11 + 6%; PayLater Postpaid (Malaysia, Singapore): €0.11 + 6%Processing fee + Percentage | In-store |
| Adyen Merchants in the United Kingdom | Singapore: £0.11 + 2.80%; Malaysia: £0.11 + 1.50%; Philippines: £0.11 + 2.20%Processing fee + Percentage | Online |
| Adyen Merchants in the United Kingdom | In person: Singapore £0.11 + 2.20%; Malaysia £0.11 + 1.50%; PayLater Instalments (Singapore, Malaysia): £0.11 + 6%; PayLater Postpaid (Malaysia, Singapore): £0.11 + 6%Processing fee + Percentage | In-store |
| Adyen Merchants in Norway | Singapore: €0.11 + 2.80%; Malaysia: €0.11 + 1.50%; Philippines: €0.11 + 2.20%Processing fee + Percentage | Online |
| Adyen Merchants in Norway | In person: Singapore €0.11 + 2.20%; Malaysia €0.11 + 1.50%; PayLater Instalments (Singapore, Malaysia): €0.11 + 6%; PayLater Postpaid (Malaysia, Singapore): €0.11 + 6%Processing fee + Percentage | In-store |
| Adyen Merchants in Poland | Online, Singapore: €0.11 + 2.80%; Online, Malaysia: €0.11 + 1.50%; Online, Philippines: €0.11 + 2.20%Processing fee + Percentage | Online |
| Adyen Merchants in Poland | In person: Singapore €0.11 + 2.20%; Malaysia €0.11 + 1.50%; PayLater Instalments (Singapore, Malaysia): €0.11 + 6%; PayLater Postpaid (Malaysia, Singapore): €0.11 + 6%Processing fee + Percentage | In-store |
| Airwallex Merchants anywhere in the EU | No price published | Online |
| Airwallex Merchants in the Netherlands | No price published | Online |
| Novalnet Merchants in Germany | No price published | Online |
| YabandPay Merchants in Austria | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Belgium | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Switzerland | Alipay+ Online, GrabPay (Singapore): 3.00% + CHF 0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Germany | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Denmark | Alipay+ Online, GrabPay (Singapore): 3.00% + DKK 0.75Percentage plus fixed amount | Online |
| YabandPay Merchants in Spain | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants anywhere in the EU | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Finland | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in France | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Italy | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in Luxembourg | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
| YabandPay Merchants in the Netherlands | Alipay+ Online, GrabPay (Singapore): 3.00% + €0.10Percentage plus fixed amount | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 5 October 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what GrabPay costs you
What you pay for GrabPay is set in your agreement with your PSP, not by a scheme. Start by establishing whether you are overpaying your PSP, and where GrabPay carries a material share of your Southeast Asian volume, weigh the quoted rate by your own country mix before you renew.
Relevant markets: Singapore, Malaysia, Philippines
Payment set-up check
Selling to shoppers in Singapore, Malaysia or the Philippines? Let's check what GrabPay costs you per country.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
