Payment FAQ | What to know about your POS solution

FAQ

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Sambapay in general

1. Who is Sambapay?

Sambapay is a Singapore-based POS payments company and an authorized Independent Sales Organization of Fiserv, a Fortune 500 global payment infrastructure provider. We combine local service with world-class processing technology.

2. What types of businesses do you support?

We focus on Singapore SMEs including retail stores, restaurants, cafes, salons, clinics, gyms and service businesses. If you accept card payments in-store, we are built for you.

3. What card brands do you support?

We support Visa, Mastercard, American Express, JCB and other major global card schemes, along with selected digital wallets.

4. How does your pricing work?

We aim to offer competitive blended rates for standard industries. No hidden layers. No teaser rates that increase later. Clear structure so you understand what you are paying.

5. How long does it take to switch to Sambapay?

In most cases, onboarding and setup can be completed within a few business days once documentation is ready. We guide you step by step to keep the process smooth and predictable.

6. Will there be any downtime during installation?

No disruption to your business. We coordinate activation carefully and can schedule installation outside peak hours so your card acceptance continues without interruption.

7. Do I have to pay cancellation fees to my current provider?

We manage the transition with you. From paperwork to terminal setup and activation, our team coordinates everything so you do not have to deal with multiple parties.

8. Why switch from my current provider?

Many businesses are locked into legacy contracts with unclear fee structures and outdated hardware. Sambapay offers modern terminals, transparent pricing and a more direct, responsive service model.

Questions about POS terminals and more…

1. What types of payment terminals does Sambapay offer?

Sambapay provides countertop terminals, mobile terminals and smart Android POS devices so businesses can choose the setup that fits their operations.

2. Can I accept contactless payments with your terminals?

Yes. Sambapay terminals support tap-to-pay cards as well as mobile wallets such as Apple Pay and Google Pay.

3. Which card networks are supported?

Sambapay terminals support major global card schemes including Visa, Mastercard, American Express and JCB.

4. Does the terminals require WiFi or internet connection?

Yes. Terminals can connect through WiFi, Ethernet or 4G depending on the device, ensuring reliable payment processing.

5. How long does it take to install a POS terminal?

Most installations are quick and straightforward. Once approved, terminals can typically be delivered and activated within a few business days.

6. Do I need to change my existing POS system?

Not necessarily. Sambapay terminals can operate independently or alongside many existing POS setups.

7. Are the terminals secure?

Yes. All Sambapay terminals meet industry security standards and process payments through global payment infrastructure powered by Fiserv.

8. What happens if my terminal has an issue?

Our local support team can assist with troubleshooting, replacement or configuration so your business can continue accepting payments without disruption.

Frequently asked questions about card payments

1. What card networks can I accept with Sambapay?

Sambapay supports major global card schemes including Visa, Mastercard, American Express and JCB.

2. Do you support contactless payments?

Yes. Customers can tap their card or use mobile wallets such as Apple Pay and Google Pay to complete payments quickly.

3. Are contactless payments secure?

Yes. Contactless transactions use the same security standards and encryption as traditional chip card payments.

4. How fast are card transactions processed?

Card payments are authorized in seconds through global payment infrastructure designed for fast and reliable processing.

5. Can I accept international cards?

Yes. Sambapay supports international card payments, allowing you to serve both local customers and tourists.

6. Are there limits for contactless payments?

Contactless payment limits depend on the card issuer and card network, but most everyday transactions can be completed instantly without a PIN.

7. What happens if a transaction is declined?

If a payment is declined, the terminal will notify the customer immediately so they can retry or use another payment method.

8. Can I track my card payment activity?

Yes. Merchants can access clear reporting and transaction summaries to monitor card payment activity and daily totals.

About settlements with Sambapay

1. How long does it take to receive my funds?

Most card transactions are settled to your business bank account as quickly as the next business day, depending on the card network and bank processing times.

2. How often are settlements processed?

Settlements are typically processed daily, allowing businesses to receive funds from card transactions on a regular and predictable basis

3. Where are settlement funds deposited?

Settlement funds are deposited directly into the business bank account linked to your merchant account.

4. Can I see which transactions are included in a settlement?

Yes. Merchants receive transaction summaries and settlement reporting to help track payments and payouts clearly.

5. Do weekends of public holidays affect settlements timing?

Yes. Settlement timing may vary depending on banking schedules and card network processing times.

6. How do I reconcile transactions with payouts?

Sambapay provides clear reporting and daily summaries, making it easier to match card transactions with the funds received in your account.

7. Are settlements fees included in my pricing?

Yes. Settlement is part of your overall payment processing structure, with transparent pricing and no unnecessary hidden layers.

8. Can I reconcile settlements with my accounting system?

Yes. Sambapay is designed to make reconciliation easier by giving you clear transaction summaries, daily totals, and transparent settlement reporting.

This helps you match card payments against your sales records and accounting system more easily, with less manual checking and fewer surprises.

9. What should I do if I notice a discrepancy in a settlement?

If something does not look right, contact our support team as soon as possible and share the settlement date, amount, and any relevant transaction details.

We will help you review the settlement and identify whether the difference comes from timing, fees, refunds, chargebacks, or another adjustment.

Questions about industries Sambapay works with

1. What types of businesses can use Sambapay?

Sambapay is designed for small and medium-sized businesses including retail stores, restaurants, cafés, clinics, salons, gyms and service-based businesses.

2. Can retail stores use Sambapay terminals at the checkout counter?

Yes. Countertop terminals are ideal for retail checkout environments where fast and reliable transactions are important.

3. Are Sambapay terminals suitable for restaurants and cafés?

Yes. Restaurants and cafés can use mobile terminals to accept payments at the table or at the counter.

4. Can clinics and healthcare providers accept card payments  with Sambapay?

Yes. Clinics, dental practices and medical providers can use Sambapay terminals for secure and reliable patient payments.

5. Do beauty salons and spas benefit from mobile terminals?

Yes. Salons and spas often use mobile or countertop terminals depending on their reception setup.

6. Can gyms and fitness studios process membership payments?

Yes. Sambapay terminals can be used to process membership fees, product purchases and other payments at the front desk.

7. Can service businesses accept payments on the go?

Yes. Mobile terminals allow businesses such as repair services or consultants to accept card payments outside a traditional shop environment.

8. Do I need different payment systems for different industries?

No. Sambapay terminals are flexible and can be used across many types of businesses with the same payment infrastructure.

9. Can businesses accept international card payments?

Yes. Sambapay supports major global card networks so businesses can accept payments from both local customers and international visitors.

10. How do I know if Sambapay is right for my business?

If your business accepts card payments and wants modern terminals, clear pricing and reliable infrastructure, Sambapay can be a strong fit.

Questions about pricing

1. How does Sambapay pricing work?

Sambapay uses a simple blended pricing model so merchants can clearly understand their transaction costs without complex interchange structures. Our goal is to keep pricing transparent and competitive for everyday businesses.

2. What is the typical card transaction rate?

For most standard industries, Sambapay aims to offer blended card acceptance rates under 3 percent, depending on business type and transaction volume.

3. Are there any hidden fees?

No. Sambapay is built around pricing clarity. We avoid layered fees and complicated pricing structures so merchants know exactly what they are paying.

4. Do I need to pay for the POS terminal?

You can rent or purchase a terminal depending on your business needs. Rental plans typically start from around SGD 25–45 per month, depending on the device model.

5. Is there a contract or minimum commitment?

Some plans may include a contract period depending on the hardware and pricing package. Our goal is to keep terms straightforward and clearly communicated before you start.

6. When do I receive my payouts?

Sambapay offers fast settlement through Fiserv’s payment infrastructure so businesses can access their funds quickly after transactions are processed.

7. Which cards are included in the pricing?

Sambapay supports major global card schemes including Visa, Mastercard, American Express and JCB, with additional schemes supported where required.

8. Does pricing change depending on my industry?

Yes. Transaction rates can vary depending on industry risk level, average transaction size and card mix. Most standard SME industries fall within our competitive blended pricing range.

9. Are there volume discounts?

Yes. Merchants with higher monthly transaction volumes can receive custom commercial terms and reduced processing rates.

10. How do I get a pricing quote for my business?

You can request a quote directly from our team. We will review your current setup, transaction volume and industry to provide a clear pricing proposal.

Still have questions?

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LAUNCHING 2026

We are currently preparing our launch in Singapore.

If you are a business owner looking for a modern payment solution,  we would love to speak with you.

Join the early merchant list to speak with our team and get ready for launch.

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