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PayNow

PayNow

Singapore transfers

VS

Pagsmile

LATAM Cross-Border Payments

Pagsmile
Fees from
Custom vs From 3.5% per transaction
Features

0 shared

2 unique to PayNow · 1 unique to Pagsmile
Regions

0 shared

2 unique to PayNow · 1 unique to Pagsmile
Pay methods

1 shared

3 unique to PayNow · 6 unique to Pagsmile
On fees

PayNow uses custom pricing, quoted on engagement. Pagsmile publishes From 3.5% per transaction from. Verify directly with each provider before signing.

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Show full specs
3 features · 10 payment methods · 3 regions. We don't rank these — they're here for reference.
PayNow PayNow
Pagsmile Pagsmile
Quick Facts
Fees
Standard transaction rate
Custom
From 3.5% per transaction
Settlement
Time to receive funds
Instant
2–5 business days
Founded
2017
2018
Headquarters
Singapore
Hong Kong
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
PayNow leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Payment Methods
Pagsmile leads (7 vs 4)
Bank Transfer
✓
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Oxxo Unique
—
✓
Paynow Unique
✓
—
Pix Unique
—
✓
Qr Code Unique
✓
—
Real Time Payments Unique
✓
—
Regions
PayNow leads (2 vs 1)
Asia Unique
✓
—
Latin America Unique
—
✓
Southeast Asia Unique
✓
—

PayNow is best when you...

Singapore transfers
Need Instant Payout
Not available with Pagsmile
Need Low Fees
Not available with Pagsmile
Want coverage in Asia, Southeast Asia
Pagsmile doesn't cover these regions
View PayNow

Pagsmile is best when you...

LATAM Cross-Border Payments
Need Enterprise
Not available with PayNow
Want coverage in Latin America
PayNow doesn't cover this region
View Pagsmile

Frequently Asked Questions

What is the difference between PayNow and Pagsmile?
They share 1 payment method and 0 regions. PayNow adds PayNow, QR Code, Real-Time Payments that Pagsmile does not list; Pagsmile adds Boleto, Credit Card, Debit Card and 3 more that PayNow does not list; PayNow also covers Asia, Southeast Asia; Pagsmile also covers Latin America.
Which is cheaper, PayNow or Pagsmile?
PayNow has custom pricing quoted on engagement; Pagsmile has published rates from From 3.5% per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayNow and Pagsmile?
PayNow lists 2 regions and 4 payment methods; Pagsmile lists 1 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayNow and Pagsmile compare on integration and settlement?
Pagsmile offers a sandbox, PayNow does not list one; both support webhooks; PayNow settles in Instant, Pagsmile in 2–5 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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