OxPay

OxPay: a Regional Payment Platform Built For Omnichannel Growth

OxPay is a Southeast Asia focused payment service provider that helps merchants accept and manage payments across online and offline channels through a single platform. The company is headquartered in Singapore and operates two main business lines for merchants: payment processing services and digital commerce enabling solutions.

As a regulated provider, OxPay SG Pte Ltd is listed in the Monetary Authority of Singapore directory as a Major Payment Institution, which is relevant for merchants that prioritize licensed partners. In Malaysia, OxPay Malaysia Sdn Bhd appears on Bank Negara Malaysia’s register of non-bank merchant acquirers. These signals indicate that OxPay’s core acquiring and processing activities are governed by local regulatory frameworks in key markets.

Beyond Singapore, OxPay maintains regional operations and serves merchants in Malaysia and Thailand, with additional presence referenced in partner directories. This footprint can be helpful for brands expanding across borders in Southeast Asia and wanting a single provider for multiple countries.

What You Can Accept with OxPay

OxPay supports card payments and a range of alternative payment methods. Public product pages highlight acceptance beyond cards, including mobile payments, e-wallets, bank transfers and similar alternatives often used by customers in the region. This mix is useful if your checkout strategy needs to meet local preferences where e-wallets and account-to-account payments are popular.

For ecommerce and app-based businesses, OxPay provides a Hosted Payment Page via API so you can redirect customers to a secure checkout without building your own PCI-scoped form. Live and sandbox endpoints are documented, which simplifies development and testing.

If you sell in person, OxPay supports acceptance on smart POS devices and mobile devices. The company’s merchant apps show flows for QR-based payments and card entry on Android, helping small teams start taking payments quickly. This is especially relevant for pop-ups, delivery, transport, field sales and other mobile use cases.

Omnichannel Tools and Merchant Reporting

A core advantage of OxPay is consolidating online and in-store transactions in one environment so you do not manage multiple reconciliations. The platform emphasizes real-time tracking of transaction status and settlement reports so finance teams can reconcile faster and investigate issues without logging into separate systems.

OxPay’s merchant portal centralizes access for day-to-day operations. While you will use the dashboard to review activity, view settlements and manage credentials, developers can connect through documented endpoints to automate common workflows such as initiating hosted checkouts.

Payouts and Settling Your Funds

In addition to collecting payments, OxPay offers local and cross-border payout capabilities. This can reduce friction when you need to pay sellers, creators, freelancers or franchisees in their local currencies and can be useful for marketplace and platform models. OxPay’s materials describe both domestic transfers and automated cross-border payouts.

Merchant terms publicly clarify that OxPay handles authorization, captures funds and pays settlement to the merchant’s bank account. For finance teams, this means there is a defined process for moving Settlement Funds after successful transactions, which is important for treasury planning and cash flow.

Industries and Use Cases OxPay Focuses On

Corporate materials and reports show OxPay’s strong focus in retail, transportation and food and beverage, alongside broader support for ecommerce subscriptions, platforms and marketplaces. If your business operates across storefronts and online channels, consolidating acceptance, reporting and payouts in one stack can reduce operational overhead.

OxPay’s ecosystem also includes integrations and collaborations with acquiring banks and card networks. Public partner listings and disclosures note working relationships that help OxPay provision acceptance for merchants through licensed acquirers in market. These arrangements are typical in Southeast Asia and can speed up onboarding.

Compliance, Licensing and Governance Highlights

• Singapore: OxPay SG Pte Ltd holds a Major Payment Institution status in MAS’s Financial Institutions Directory. For merchants, this indicates the provider is subject to ongoing requirements around safeguarding, reporting and conduct.

• Malaysia: OxPay Malaysia Sdn Bhd is listed as a registered non-bank merchant acquirer with Bank Negara Malaysia, relevant for businesses operating locally or targeting Malaysian consumers.

• Listed company: OxPay Financial Limited is SGX-listed, and its annual and sustainability reports describe operations in Singapore, Malaysia and Thailand, along with strategic priorities. Public company reporting can be useful when your procurement process requires audited disclosures.

Why Merchants Choose OxPay

1. Single platform across channels – Run ecommerce, mobile and in-store acceptance in one place, reducing reconciliation time and operational complexity as you scale.

2. Regional coverage – Serve customers in key Southeast Asian markets under local regulatory regimes without stitching together multiple providers.

3. Developer-friendly start – Use a hosted payment page and documented endpoints to launch quickly while your team keeps control of the frontend experience.

4. Payout capabilities – Pay partners locally and across borders from the same environment used to collect payments.

Conclusion

OxPay is designed for merchants who want a licensed, regionally focused PSP to unify online and in-person acceptance, simplify finance operations and enable local and cross-border payouts on one platform. If you are expanding across Singapore, Malaysia and Thailand and want a single partner with on-the-ground presence, OxPay is positioned to serve that footprint with tools that help you launch quickly and scale efficiently.