Normal Settlement
Use the standard T+1 to T+4 cycle for supported payment methods without an acceleration fee.
Flexible Settlement for Better Cash Flow
Access your payment funds on the schedule that works best for your business, helping you manage operations, suppliers, and growth with confidence.
T+0 EligibleSame-day or near-instant access for selected payment methods.
T+1 to T+4Normal settlement timing varies by payment method.
OptionalEnable faster settlement based on your account setup and payment method.
Overview
Choose the Settlement Schedule That Fits Your Business
Manage cash flow with confidence by selecting the settlement option that matches your operational needs. Whether you prefer standard payouts or faster access to eligible funds, SingaPay gives you the flexibility to keep your business moving.
Early Settlement
Unlock eligible funds sooner to improve working capital and support business growth.
Settlement by Payment Method
Payout timing varies by payment method, giving you clear expectations for every transaction.
Built for Better Cash Flow
Ideal for managing supplier payments, payroll, inventory purchases, lending, and other operational expenses
MODES
Normal and early settlement
Normal settlement is available across supported methods; early settlement depends on method, eligibility, limits, and fees.
Normal Settlement
Receive funds within T+1 to T+4 business days, depending on the selected payment method. This is the default option for supported collection methods.
Available for all collection methods
Early Settlement
Access eligible funds on the same day (T+0) or near instantly, depending on the payment method, transaction limit, and merchant setup.
Available for eligible channels and limits
Typical scenarios
Where teams use Early Settlement
Fintech re-lending
High-frequency merchants
E-commerce seller cash flow
Supplier payment timing
Access modes
Flexible access options built for your business needs
Dashboard
Manage payment operations and view transaction insights through a centralized interface.
OpenAPI reporting
Connect your systems and retrieve payment data through secure API integration.
Talk to Singapay
Match settlement timing to operating needs
Talk with Singapay about eligible methods, limits, fees, and early settlement launch planning.