Payments & Scheduling

Fund, schedule, and track vendor payments locally and internationally.

Funding a bill

HitPay Balance can’t be used to fund a Bill Pay transfer. Instead, you fund each transfer directly with PayNow, Bank Transfer, or QRPH (Philippines) - so the transfer to your vendor only happens once the bill is actually funded, not before.

Supported countries & currencies

Business registration	Where you can pay	Rails	Speed
Singapore	Singapore	Local Transfer, FAST, PayNow	Real-time
Singapore	150+ other countries and territories (e.g. Australia, United States, United Kingdom, across Europe and Asia)	Local Transfer where available, otherwise SWIFT	Local: real-time to T+3 depending on country. SWIFT: T+3 business days
Philippines	Philippines only	Local Transfer, InstaPay, PESONet	Real-time (Local Transfer, InstaPay) or T+2 (PESONet)

Philippines-registered businesses currently have local payments only - international payments aren’t available yet for that market.

See the full Payout Network reference for the complete list of destination countries, rails, and transfer speeds.

Pricing

Market	Fee	Amount
Singapore	Local transfer (PayNow/FAST)	S$0.50
Philippines	Local transfer	₱15
Singapore	International transfer	Competitive FX rate

Fees vary by currency and are subject to change. Full pricing is at hitpayapp.com/pricing.

Payment scheduling

When creating a bill, you can set an optional Schedule Payment For date instead of paying immediately.

As a MAS-regulated payment institution, HitPay must settle collected funds within a strict window rather than holding them indefinitely. For a scheduled bill, that means funding can only happen within a compliant window ahead of the scheduled date:

• Local transfers - can be funded any time from 3 days before the scheduled date through the scheduled date itself
• Foreign-currency transfers - can be funded up to 24 hours before the scheduled date, with the FX rate locked for that 24-hour period

Outside that window, the Fund Transfer button is disabled and shows when funding will open. Once you fund the bill within the window, it moves to Scheduled and pays automatically on the date you chose - no need to remember or come back to trigger it.

If a bill isn’t funded or paid in time

HitPay must settle collected funds within 3 days. That means approval must be completed within 3 days of the bill’s funds being collected, if it stalls past that deadline, HitPay automatically returns those funds to your HitPay Balance and marks the bill Expired, no manual refund request needed.

You’ll get a warning email one day before the deadline if a bill is still waiting on approval, and a follow-up notification once funds are returned. An expired bill can be reprocessed at any time - just create a new bill.

For what each status means, see Bill statuses.