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Business Services

ipaymy

ClaimedCollecting reviews

377 reviews

4.1377 reviews
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About ipaymy

Data updated
Website
ipaymy.com
Category
Business Services
Location
Singapore
Status
Unclaimed
Last 12 months
27 reviews
Replies to negative
93% (41/44)
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About this business

Use your credit card to pay your biggest expenses including rent, salaries and invoices to earn credit card points and rewards like never before, while improving your cashflow.

Written by the business, not verified by us.

Is ipaymy legit?

ipaymy (ipaymy.com) has a 4.1 out of 5 rating on OK.one, based on 377 user reviews collected here. It is listed under Business Services and its reputation is good. 75% of reviews are 4 stars or higher and 8% are 1 star; The business has replied to 93% of negative reviews; 27 of them were added in the last 12 months. Last updated 2026-10-24.

What people say

Charged twice by IRAS and ipaymy

I was charged twice for IRAS tax payment. I’d sequenced ipaymy to charge the amount 1week before the IRAS GIRO deduction, as guided in your FAQ. However, IRAS still deducted the installment amount via GIRO on top of the ipaymy charges. The whole arrangement feels really unreliable, messing up the IRAS installment quantum. .

Reply from ipaymy2021-01-13

Hi Melvin! Thank you for taking the time to leave us some feedback on your experience though we are gutted to hear about your recent experience on IRAS tax payment! First, we would like to clarify that ipaymy only charged your card once as authorized by yourself. ipaymy did not initiate a double charge to your card and we would never charge a user's card without their authorization. The tax deduction date for most taxpayers under a GIRO instalment plan falls on the 6th of every month, of which this might be the case for you. For IRAS tax payments ipaymy advises to schedule for a payout date AT LEAST 5 working days before the respective tax deduction date as it is stated on IRAS website they require up to 5 working days to reconcile all payments. Your scheduled charge date was December 30 and a payout date of December 31. Because the New Year public holiday fell on January 1, this likely did not provide for the minimum 5 business days required for IRAS to reconcile and post your payment onto your tax account and hence, might have triggered the double deduction from IRAS. We do recommend contacting IRAS direct to confirm if this is the case and how it can be prevented in the future with your particular tax arrangement. We hope this explanation gives you a better understanding on the matter. You may also reach out to us directly should you require more assistance when it comes to scheduling payments - we would be glad to show you how making payments on ipaymy can be a breeze! For more information, you may refer to our series of helpful articles on tax payments in ipaymy Help Centre.

Overall Service excellent

Overall Service excellent I deduct 1 star for the transfer timing. It could be shorter.

Reply from ipaymy2021-01-08

Hi Robin! We are so happy to hear that you found our service EXCELLENT! Our typical processing time 1-2 business days. Pro tip: to take advantage of our FREE next-day settlement simply preschedule your payment in advance. Don't forget you can also spread the good word about ipaymy by inviting your friends and favourite businesses to enjoy the benefits of using ipaymy through our referral program! :)

Did not receive any email on promo…

Did not receive any email on promo code. Only when sent in enquiry then was informed about the promo code. In addition, my referee mentioned the 1st payment promo code was sent to the junk mail folder, so he did not use the 1st payment promo code and when enquired, there is no way to utilize the promo code (or another promo code of the same amount) any more.

Invoice attachment

Would prefer not compulsory to attached invoice. There is no invoice for monthly payment of insurance

Reply from ipaymy2021-01-07

Hi Ah Chwee, thank you for taking the time to provide this feedback. For compliance purposes related to Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) we do require a supporting document confirming the nature of your payment. As an added protection to your account, we may also refer to this documentation should there be an issue with your payment. For example, in the case of a failed payment attempt or incomplete information, our team is able to cross-check the uploaded file and reach out with proposed rectifications to ensure minimal disruptions are made to your payment. Whilst we can not remove this requirement at this time, we will definitely take note of your feedback and discuss with our product team on how we can make the uploading of invoices easier for our users. We hope this explanation helps you to understand the process better.

Good but room for improvement.

Convenient and excellent promotions. Will be great if referral promo code expiry can be extended to 3 months instead of 30days. Better if can give advice on MCC codes for credit cards are current or live. Also, will be great if can automatically populate bank account crediting information for common billing organizations like insurance companies.

Payment process went smoothly and there…

Payment process went smoothly and there was sufficient information provided on how to make different payments. Payment usually takes about 2 days but Ipaymy sent an email update when the payment has been successful.

Easy to use

Easy to use, would be better if fees can be lowered

Reply from ipaymy2021-01-07

Hi Jun Boon! Thank you for taking the time to provide this feedback. We are thrilled to hear that you find ipaymy easy to use! ipaymy currently has some of the most competitive pricing on the market combined with next day payouts absolutely free of charge. Whilst our standard rate is priced at a very low 2.25% we do run promotions from time to time, which we understand you were able to take advantage of on your most recent payments. Be sure to check your inbox and follow our Facebook page to be in the know on our latest promotions!

Fees are too high.

Reply from ipaymy2021-01-07

Hi Melvin, thank you for taking the time to provide this feedback. We do hope your experience of making the payment and having it delivered on-time to your recipient was a 5* rating. ipaymy does run promotions from time to time and we are pleased to see you were able to take advantage of our special discounted 1.99% rate. Do continue to keep an eye out in your inbox and follow our Facebook page to be in the know on our latest promotions!

Super convenient! Only one thumb up though..

Great service and super convenient! Only one thumb up, though... You guys should've received a 5 star rating and 2 thumbs up from me should the Next Day Payout service be made available to us here in Malaysia too! With the ongoing pandemic, farmers benefit by directly supplying produce to customers doorsteps eliminating intermediaries, which in turn ensures consumers enjoy fresher ingredients and lower prices. The caveat is - farmers would not agree if payment by customers can only be received by them 3-4 days after product delivery.. Do give this your priority consideration! Thanks!

Unable to make payment to recurring…

Unable to make payment to recurring monthly insurance due to no invoice. Should follow cardup that do not require invoice

Reply from ipaymy2021-01-07

Hi Siew Poh, thank you for being a loyal ipaymy user! Recurring payments are definitely a great way to ensure your payments are made on-time, every time each month. Plus having a recurring payment takes that little bit of admin hassle off your to do list each month. For compliance purposes related to Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) we do require a supporting document confirming the nature of your payment. As an added protection to your account, we may also refer to this documentation should there be an issue with your payment. For example, in the case of a failed payment attempt or incomplete information, our team is able to cross-check the uploaded file and reach out with proposed rectifications to ensure minimal disruptions are made to your payment. That being said, for insurance payments, if you do not have an invoice we do accept alternative documents such as your policy statement or payment schedule to validate the nature of your payment. When you are ready to set up your monthly recurring payment, give our team a shout on our live chat to help get your payment set up :)

Chat Agent helped apply my voucher

Had some trouble applying my voucher, but Judy helped me get the voucher applied over chat. I guess the chatline must have been busy, sometimes replies were minutes apart, but on hindsight the issue was resolved quite painlessly.

User interface and customer retention

I chanced upon ipaymy after looking for alternative to Cardup. The most obvious difference would be the user interface upon logging in. I think ipaymy's website and interface needed more work as Cardup's more user friendly, takes most of my guess work out. Example for payment made to AIA Singapore, ipaymy requires the company's account and bank details. ipaymy do provide suggestions and upon verification, I found out it matches the suggestions. Cardup provided the info spot on without me making further checks. The next thing I found, well, when there's more than 1 player in the market, competition heats up, ultimately it comes down to the fees if the company is looking for customer retention. None of them does that. A little goes a long way, you might want to consider that for customer to stay with you.

Reply from ipaymy2021-01-08

Hi Nick! Thank you for taking the time to provide this detailed feedback. While it may have taken a tad longer to add your bank details specific to your AIA policy, the good news is for your next payment these details are all saved and ready to go for your next payments :) We do run promotions from time to time on top of our already standard 2.25% fee - we are happy to see you have taken advantage of them so far. This is on top of our FREE next day payouts, On-Time Payment and Points Gaurantee. Don't forget you can also earn further promo code discounts by inviting your friends and favorite businesses to join ipaymy through our referral program!

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