The verdict in three sentences
Online payment is not just pasting a button: the provider choice, 3D Secure and checkout ergonomics decide the conversion rate. In Singapore, integration costs 5,500 to 20,000 SGD plus a commission of 1.4 to 2.9% + 0.35 SGD per transaction. The real financial stake is not integration cost but the checkout failure rate, which can swallow 10 to 25% of potential revenue.
2026 budget and commissions by provider
Integration cost depends on the CMS and options (subscriptions, installments). 2026 ballpark:
| Provider | Commission per transaction | Integration (SGD) |
|---|---|---|
| Stripe | 1.4% + 0.35 SGD | 5,500 - 16,000 |
| Adyen | 1.2 - 2.5% + 0.35 SGD | 5,000 - 14,000 |
| Mollie | 1.8% + 0.35 SGD | 4,500 - 12,000 |
| PayPal | 2.5 - 2.9% + 0.50 SGD | 2,800 - 8,000 |
| Installments (option) | 2 - 4% merchant | 2,800 - 7,000 |
Card commissions run around 1.4 to 2.9%. Installment payment costs the merchant more but lifts the average basket by 20 to 40%.
Impact on checkout conversion
Every friction in the payment flow is paid in abandonment. Here are the levers and their effect.
| Lever | Effect on conversion | Effort |
|---|---|---|
| Smooth 3D Secure 2 | -30% abandonment vs 3DS1 | Low |
| One-page checkout | +5 - 10% conversion | Medium |
| Wallets (Apple/Google Pay) | +8 - 15% on mobile | Low |
| Installment payment | +20 - 40% average basket | Medium |
| Automatic retry on failure | -15% lost transactions | Low |
| Guest checkout (no account) | +10% conversion | Low |
A payment failure rate of 5 to 8% is normal; above 12%, a flow audit is warranted since every point recovered is direct revenue.
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Mini case study
Audrey, who runs an equipment-sales SME in Singapore, generates 900,000 SGD in online sales per year. Stripe integration with wallets and installments: 12,000 SGD. Average commission 1.6%: 14,400 SGD/year.
Her checkout failure rate was 14%. After moving to smooth 3D Secure 2, one-page checkout and automatic retry, it drops to 6%, recovering 8 points on 900,000 SGD, or 72,000 SGD in additional sales. Installments also lift the basket 25% on 30% of orders. Total first-year cost: 26,400 SGD for a far larger net gain: payback in under 4 months.
FAQ
What commission should I expect? Between 1.4 and 2.9% + 0.35 SGD per transaction depending on provider and card type. Stripe and Adyen are the most competitive.
Does 3D Secure scare off customers? 3DS1 does; 3D Secure 2, near-transparent for low-risk payments, cuts abandonment by about 30% versus the old version.
How long to integrate? 2 to 5 weeks depending on the CMS and options. A standard checkout on an existing store often takes 2 weeks.
Are installments worth the commission? Often yes: they cost the merchant 2 to 4% but lift the average basket 20 to 40%, clearly profitable on high-value baskets.
How do I cut the failure rate? Automatic retry, wallets and one-page checkout bring a 12-14% rate down toward 5-7%, recovering several points of revenue.
Let's scope your project. Tell us your CMS, your sales volume and your candidate providers, and we will optimize the flow and commission. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
