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Always consult a qualified professional before acting on any information provided.",[1110,1112],{"_key":1096,"_type":188,"externalUrl":1111,"linkType":145},"\u002Ftnc\u002Fmaster-service-agreement",{"_key":1104,"_type":188,"externalUrl":1113,"linkType":145},"\u002Fpricing",{"body":1115,"eyebrow":528,"heading":1116,"image":1117,"link":1122},"Find out how Aspire can help you speed up your end-to-end finance processes from payments to expense management.","Supercharge your finance operations",{"_type":154,"alternativeText":1118,"height":1119,"url":1120,"width":1121},"A person working at a laptop with an open notebook beside them",1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":143,"externalUrl":1083,"label":1123,"linkType":145},"Talk to sales",[1125,1134,1145,1155],{"_id":1126,"category":1127,"coverImage":1128,"description":1131,"publishedAt":1132,"slug":1133,"title":1129},"blogPost-SG-6aa81a1539b471392a83d4cd",{"slug":591,"title":592},{"_type":154,"alternativeText":1129,"url":1130},"Aspire Launches Aspire Account-Opening Integration With Osome","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4a31adfeaddefdf9b7f4ef5f566c00ad\u002F6aa81a1339b471392a83d438_Aspire-Osome.jpeg","Aspire and Osome partner to enable faster Business Account opening","2026-09-16T00:00:00.000Z","aspire-osome-account-opening-integration",{"_id":1135,"category":1136,"coverImage":1139,"description":1142,"publishedAt":1143,"slug":1144,"title":1140},"blogPost-SG-6a8c6a9a178cfe861275b350",{"slug":1137,"title":1138},"finance-tools","Finance Tools",{"_type":154,"alternativeText":1140,"url":1141},"Stripe payment processing for Singapore businesses: Setup, fees, and alternatives","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fcb6607760ee020276ebb5087fbf64245\u002F6a8c6a98178cfe861275b2fb_EXPENSE-MGMT-49.jpeg","Learn how Stripe works in Singapore, how to set it up, fees and payouts, accepted payment methods, and options for growing businesses.","2026-09-09T00:00:00.000Z","stripe-payment-processing-singapore-businesses",{"_id":1146,"category":1147,"coverImage":1150,"description":1153,"publishedAt":1143,"slug":1154,"title":1151},"blogPost-SG-6a95a525d8f437f2334d1202",{"slug":1148,"title":1149},"business-advice","Business Advice",{"_type":154,"alternativeText":1151,"url":1152},"Payroll outsourcing in Singapore: What founders need to know","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4ab5f167b1dd7ea6df896c17cf95674e\u002F6a95a521d8f437f2334d113d_PAYMENTS-14.jpeg","Learn about payroll outsourcing, including costs, services, benefits, risks, and how to choose the right provider for your business in Singapore.","payroll-outsourcing-singapore-explained",{"_id":1156,"category":1157,"coverImage":1158,"description":1161,"publishedAt":1143,"slug":1162,"title":1159},"blogPost-SG-6a95a538fb9a05eaf4b9774c",{"slug":1148,"title":1149},{"_type":154,"alternativeText":1159,"url":1160},"Global payroll outsourcing: How it works for Singapore businesses in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fbe849a3e08f8d5d0a5bcbbffb5b2ba7b\u002F6a95a537fb9a05eaf4b97747_PAYMENTS-45.jpeg","Learn how global payroll outsourcing works for Singapore businesses, from local payroll requirements and compliance to EORs and choosing the right provider.","global-payroll-outsourcing",{"data":1164,"sourceMap":-1},{"_id":1165,"_updatedAt":1166,"alternates":1167,"areSourcesShown":152,"author":1169,"body":1178,"category":2376,"coverImage":2379,"excerpt":2382,"faq":246,"intro":2390,"isFaqShown":152,"isSummaryShown":152,"isVideoShown":152,"publishedAt":2412,"reviewer":246,"seo":2413,"slug":2415,"sources":246,"title":2380,"video":246},"blogPost-SG-65a9e9bbd0bdabb429b1e2a6","2026-09-24T08:37:57Z",[1168],{"canonicalUrl":246,"isNoIndex":246,"language":246,"market":84,"pathPrefix":246},{"avatar":1170,"bio":1174,"doesServePage":141,"linkedinUrl":1175,"name":1171,"role":1176,"slug":1177,"twitterUrl":246},{"_type":154,"alternativeText":1171,"height":1172,"url":1173,"width":1172},"Zachary Pestana",2271,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F5574055198892215046f7dc8b4ae5271\u002F64a3e451e2b9042dcb3fae90_Zachary-Pestana.jpg","Zachary is a seasoned writer in market trends and business thought leadership. With a writing history at Incorp Global, MOQdigital, and AIESEC Australia, Zachary leverages his broad range of experiences to stimulate industry conversations and engage audiences.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fzachary-pestana\u002F","Writer","zachary-pestana",[1179,1189,1197,1205,1213,1221,1229,1237,1245,1253,1261,1269,1277,1285,1306,1314,1333,1352,1364,1372,1380,1388,1396,1404,1412,1420,1428,1437,1441,1449,1457,1465,1473,1481,1489,1504,1512,1516,1524,1532,1540,1548,1556,1570,1578,1582,1590,1597,1605,1613,1621,1635,1643,1651,1655,1663,1671,1679,1687,1695,1709,1717,1721,1729,1744,1752,1760,1768,1782,1790,1796,1804,1818,1826,1834,1838,1846,1853,1861,1869,1877,1891,1899,1904,1912,1920,1928,1936,1944,1952,1956,1964,1972,1980,1988,2002,2010,2014,2022,2036,2044,2048,2056,2064,2072,2080,2088,2096,2100,2108,2116,2124,2132,2140,2154,2162,2166,2174,2182,2190,2204,2218,2226,2245,2253,2261,2269,2277,2285,2293,2301,2309,2317,2325,2333,2341,2349,2357],{"_key":1180,"_type":170,"children":1181,"markDefs":1187,"style":1188},"k2",[1182],{"_key":1183,"_type":174,"marks":1184,"text":1186},"k1",[1185],"strong","What is Buy Now Pay Later?",[],"h2",{"_key":1190,"_type":170,"children":1191,"markDefs":1196,"style":190},"k5",[1192],{"_key":1193,"_type":174,"marks":1194,"text":1195},"k4",[],"Buy Now Pay Later, or BNPL, is an emerging payment trend that allows customers to buy products or services in the present and pay for them in the future in installments. They are usually interest-free or carry very low interest. BNPL players offer customers easy instalment options without interest to encourage more purchases.",[],{"_key":1198,"_type":170,"children":1199,"markDefs":1204,"style":190},"k8",[1200],{"_key":1201,"_type":174,"marks":1202,"text":1203},"k7",[],"BNPL differs from EMIs in the sense that they have lower regulatory requirements and no interest. While zero-EMI options do exist, BNPL companies tend to offer more flexibility in terms of payments.",[],{"_key":1206,"_type":170,"children":1207,"markDefs":1212,"style":190},"k11",[1208],{"_key":1209,"_type":174,"marks":1210,"text":1211},"k10",[],"BNPL players tie up with retailers to provide the option to customers at checkout. If a customer chooses to use BNPL, they can also decide how they want to pay for their purchase over time. Repayment schedules and a number of instalments differ from one provider to another but usually come with more than one option.",[],{"_key":1214,"_type":170,"children":1215,"markDefs":1220,"style":190},"k14",[1216],{"_key":1217,"_type":174,"marks":1218,"text":1219},"k13",[],"For instance, you want to purchase a new laptop for $2000 by availing the services of a BNPL company. The laptop store may offer you the option to pay for the laptop over 12 months with instalments of $166 per month or over 24 months by paying $85 per month, a marginal interest included. This allows customers like you to make big-ticket purchases that you may not be able to afford upfront. At the same time, it helps retailers increase their sales.",[],{"_key":1222,"_type":170,"children":1223,"markDefs":1228,"style":1188},"k17",[1224],{"_key":1225,"_type":174,"marks":1226,"text":1227},"k16",[1185],"BNPL Asia",[],{"_key":1230,"_type":170,"children":1231,"markDefs":1236,"style":190},"k20",[1232],{"_key":1233,"_type":174,"marks":1234,"text":1235},"k19",[],"‍Despite being a relatively new category in the region, BNPL in Asia, especially Southeast Asia, is booming. Based on a study by Mashable SE Asia, the BNPL market cap in the SEA region is set to grow from US$7.3 billion in 2019 to a whopping US$33.6 billion in 2027.",[],{"_key":1238,"_type":170,"children":1239,"markDefs":1244,"style":190},"k23",[1240],{"_key":1241,"_type":174,"marks":1242,"text":1243},"k22",[],"BNPL companies have gained a lot of following in Asia for numerous reasons. For instance, Asian consumers are extremely comfortable using credit products. Young shoppers entering the market tend to use credit alternatives to match high flung lifestyles. The rise of online shopping has also made buying things on credit easier.",[],{"_key":1246,"_type":170,"children":1247,"markDefs":1252,"style":190},"k26",[1248],{"_key":1249,"_type":174,"marks":1250,"text":1251},"k25",[],"Another reason why BNPL has taken off in Asia is that the regulations surrounding these products are still lax. This has led to BNPL players offering creative solutions to customers to encourage purchases. For instance, BNPL companies allow customers to buy products without having to pay interest for 12 months. Some others have the option to make partial payments and take the rest in instalments or defer payment for a while.",[],{"_key":1254,"_type":170,"children":1255,"markDefs":1260,"style":190},"k29",[1256],{"_key":1257,"_type":174,"marks":1258,"text":1259},"k28",[],"This increased flexibility has drawn young shoppers in, who look to BNPL as a way to make big purchases without getting into too much debt.",[],{"_key":1262,"_type":170,"children":1263,"markDefs":1268,"style":1188},"k32",[1264],{"_key":1265,"_type":174,"marks":1266,"text":1267},"k31",[1185],"The Future of BNPL in Asia",[],{"_key":1270,"_type":170,"children":1271,"markDefs":1276,"style":190},"k35",[1272],{"_key":1273,"_type":174,"marks":1274,"text":1275},"k34",[],"Asia is dynamic, always at the forefront when it comes to fintech revolutions. The payments space is ripe with opportunities, and the eager young demographic in this region has made BNPL immensely popular.",[],{"_key":1278,"_type":170,"children":1279,"markDefs":1284,"style":190},"k38",[1280],{"_key":1281,"_type":174,"marks":1282,"text":1283},"k37",[],"Younger shoppers who do not have access to traditional credit are drawn towards BNPL solutions the most in Asia. Smaller fintech companies that dominate the lion’s share of the BNPL market in Asia are capitalizing well on this demand. For instance, Hoolah, a BNPL player in Singapore, uses data analytics to understand customer needs.  Experts believe that BNPL will be the natural next step for payments in Asia. Here are some arguments that support that stance:",[],{"_key":1286,"_type":170,"children":1287,"level":1301,"listItem":1302,"markDefs":1303,"style":190},"k46",[1288,1292,1297],{"_key":1289,"_type":174,"marks":1290,"text":1291},"k43",[],"Asia is home to one of the biggest and fastest-growing consumer markets globally. By the end of the decade, the continent will account for almost half of the world’s consumption growth – ",{"_key":1293,"_type":174,"marks":1294,"text":1296},"k44",[1295],"k40","a $10 trillion ",{"_key":1298,"_type":174,"marks":1299,"text":1300},"k45",[],"opportunity. Companies want to empower people to buy better to capitalize on the spending power.",1,"bullet",[1304],{"_key":1295,"_type":188,"externalUrl":1305,"linkType":145},"https:\u002F\u002Fwww.mckinsey.com\u002Ffeatured-insights\u002Ffuture-of-asia\u002Fmeet-your-future-asian-consumer",{"_key":1307,"_type":170,"children":1308,"level":1301,"listItem":1302,"markDefs":1313,"style":190},"k49",[1309],{"_key":1310,"_type":174,"marks":1311,"text":1312},"k48",[],"BNPL is allowing shoppers to access high-volume retail segments that usually don’t offer credit e.g. cosmetics. Such segments are huge in Asia. Companies like Sephora are allowing customers to make cosmetic purchases in instalments.",[],{"_key":1315,"_type":170,"children":1316,"level":1301,"listItem":1302,"markDefs":1330,"style":190},"k57",[1317,1321,1326],{"_key":1318,"_type":174,"marks":1319,"text":1320},"k54",[],"Southeast Asia still has an underserved financial services market despite having high mobile and internet penetration. Did you know that the region has ",{"_key":1322,"_type":174,"marks":1323,"text":1325},"k55",[1324],"k51","670 million co",{"_key":1327,"_type":174,"marks":1328,"text":1329},"k56",[],"nsumers, but only 27% have bank accounts? BNPL plugs these gaps by offering low-friction, instant credit.",[1331],{"_key":1324,"_type":188,"externalUrl":1332,"linkType":145},"https:\u002F\u002Ftechwireasia.com\u002F2021\u002F04\u002Fthe-rise-of-buy-now-pay-later-in-sea\u002F",{"_key":1334,"_type":170,"children":1335,"markDefs":1349,"style":190},"k65",[1336,1340,1345],{"_key":1337,"_type":174,"marks":1338,"text":1339},"k62",[],"As the space garners more attention and attracts a higher consumer base, governments will start looking into regulation to prevent misuse and debt traps. For instance, Singapore issued a series of ",{"_key":1341,"_type":174,"marks":1342,"text":1344},"k63",[1343],"k59","guidelines for consumers",{"_key":1346,"_type":174,"marks":1347,"text":1348},"k64",[]," availing BNPL services to protect them against mounting debt.",[1350],{"_key":1343,"_type":188,"externalUrl":1351,"linkType":145},"https:\u002F\u002Fwww.channelnewsasia.com\u002Fsingapore\u002Fbuy-now-pay-later-code-conduct-protect-consumers-debt-3016791",{"_key":1353,"_type":170,"children":1354,"markDefs":1363,"style":1188},"k70",[1355,1359],{"_key":1356,"_type":174,"marks":1357,"text":1358},"k68",[],"‍",{"_key":1360,"_type":174,"marks":1361,"text":1362},"k69",[1185],"Who Are The Top BNPL Players?",[],{"_key":1365,"_type":170,"children":1366,"markDefs":1371,"style":190},"k73",[1367],{"_key":1368,"_type":174,"marks":1369,"text":1370},"k72",[],"‍With the growing number of BNPL companies in Southeast Asia, the emerging sector is expected to dominate the region, with its eyes set on the massive underbanked and unbanked populations, in the years to come.",[],{"_key":1373,"_type":170,"children":1374,"markDefs":1379,"style":190},"k76",[1375],{"_key":1376,"_type":174,"marks":1377,"text":1378},"k75",[],"‍Here are some of the biggest BNPL companies to keep a look out for:",[],{"_key":1381,"_type":170,"children":1382,"level":1301,"listItem":1302,"markDefs":1387,"style":190},"k79",[1383],{"_key":1384,"_type":174,"marks":1385,"text":1386},"k78",[],"Singapore: Atome, Shopback, Pace",[],{"_key":1389,"_type":170,"children":1390,"level":1301,"listItem":1302,"markDefs":1395,"style":190},"k82",[1391],{"_key":1392,"_type":174,"marks":1393,"text":1394},"k81",[],"Indonesia: Akulaku, Kredivo, Indonana",[],{"_key":1397,"_type":170,"children":1398,"level":1301,"listItem":1302,"markDefs":1403,"style":190},"k85",[1399],{"_key":1400,"_type":174,"marks":1401,"text":1402},"k84",[],"Vietnam: Reepay, Fundiin",[],{"_key":1405,"_type":170,"children":1406,"level":1301,"listItem":1302,"markDefs":1411,"style":190},"k88",[1407],{"_key":1408,"_type":174,"marks":1409,"text":1410},"k87",[],"Philippines: Plentina, Cashalo, Tendopay",[],{"_key":1413,"_type":170,"children":1414,"level":1301,"listItem":1302,"markDefs":1419,"style":190},"k91",[1415],{"_key":1416,"_type":174,"marks":1417,"text":1418},"k90",[],"Malaysia: Split, Pine Labs",[],{"_key":1421,"_type":170,"children":1422,"markDefs":1427,"style":1188},"k94",[1423],{"_key":1424,"_type":174,"marks":1425,"text":1426},"k93",[1185],"BNPL companies in Singapore",[],{"_key":1429,"_type":170,"children":1430,"markDefs":1435,"style":1436},"k98",[1431],{"_key":1432,"_type":174,"marks":1433,"text":1434},"k97",[1185],"Atome",[],"h3",{"_key":1438,"_type":154,"alternativeText":1439,"height":1055,"url":1440,"width":1057},"k99","Atome wordmark beside a phone showing the app's women's shopping categories and featured brand offers","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fd870e51aadf73b0ffed607c726079875\u002Ftop-10-buy-now-pay-later-bnpl-players_body_atome-wordmark-beside-a-phone-showing_1.png",{"_key":1442,"_type":170,"children":1443,"markDefs":1448,"style":190},"k102",[1444],{"_key":1445,"_type":174,"marks":1446,"text":1447},"k101",[],"The most mass market player out of the bunch, Atome has entered nine markets (namely Singapore, Vietnam, Indonesia, Thailand, Hong Kong, China, Malaysia, Taiwan and the Philippines) and boasts over 3,000 merchant partners across a wide range of categories since its launch in 2019. Some key partners include SHEIN, ZALORA, ZARA, Coach, Agoda, Nike, Adidas and MAC. It is the top BNPL player in Singapore. 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You can offer your customers:",[],{"_key":2175,"_type":170,"children":2176,"level":1301,"listItem":1302,"markDefs":2181,"style":190},"k378",[2177],{"_key":2178,"_type":174,"marks":2179,"text":2180},"k377",[],"Zero interest instalment payment plans",[],{"_key":2183,"_type":170,"children":2184,"level":1301,"listItem":1302,"markDefs":2189,"style":190},"k381",[2185],{"_key":2186,"_type":174,"marks":2187,"text":2188},"k380",[],"Payment through cards, digital wallets and even QR codes",[],{"_key":2191,"_type":170,"children":2192,"level":1301,"listItem":1302,"markDefs":2201,"style":190},"k387",[2193,2197],{"_key":2194,"_type":174,"marks":2195,"text":1018},"k385",[2196],"k382",{"_key":2198,"_type":174,"marks":2199,"text":2200},"k386",[]," offers and discounts",[2202],{"_key":2196,"_type":188,"externalUrl":2203,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fcashback",{"_key":2205,"_type":170,"children":2206,"markDefs":2215,"style":190},"k393",[2207,2210],{"_key":2208,"_type":174,"marks":2209,"text":1495},"k391",[],{"_key":2211,"_type":174,"marks":2212,"text":2214},"k392",[2213],"k389","pinelabs.com",[2216],{"_key":2213,"_type":188,"externalUrl":2217,"linkType":145},"https:\u002F\u002Fwww.pinelabs.my\u002F",{"_key":2219,"_type":170,"children":2220,"markDefs":2225,"style":1188},"k396",[2221],{"_key":2222,"_type":174,"marks":2223,"text":2224},"k395",[1185],"The BNPL Killers",[],{"_key":2227,"_type":170,"children":2228,"markDefs":2242,"style":190},"k404",[2229,2233,2238],{"_key":2230,"_type":174,"marks":2231,"text":2232},"k401",[],"Digital wallets and payment players ",{"_key":2234,"_type":174,"marks":2235,"text":2237},"k402",[2236],"k398","across the world",{"_key":2239,"_type":174,"marks":2240,"text":2241},"k403",[]," are noting the increasing lure towards BNPL. As a response, they are building their own BNPL options. Big names like Stripe and Square in the US are making headway into the instalment payment space. In Asia, Grab and PayPal are embedding their own split payment options within their app. So, how are these big players competing with smaller fintechs?",[2243],{"_key":2236,"_type":188,"externalUrl":2244,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fthe-importance-of-mid-market-rates-in-international-business",{"_key":2246,"_type":170,"children":2247,"markDefs":2252,"style":1436},"k407",[2248],{"_key":2249,"_type":174,"marks":2250,"text":2251},"k406",[1185],"PayPal",[],{"_key":2254,"_type":170,"children":2255,"markDefs":2260,"style":190},"k410",[2256],{"_key":2257,"_type":174,"marks":2258,"text":2259},"k409",[],"For instance, Paypal’s CFO John Rainey commented in 2020 about its market share diminishing in areas where BNPL services are offered. 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They will be in a better position to offer zero-interest instalments and other attractive offers to their customers. Smaller BNPL players will find it harder to match big league offers. While the BNPL space will continue to grow, the composition of top players is likely to shift from small fintech firms to established payment players and wallets.",[],{"_key":2302,"_type":170,"children":2303,"markDefs":2308,"style":1188},"k428",[2304],{"_key":2305,"_type":174,"marks":2306,"text":2307},"k427",[1185],"Should You Use BNPL for Purchases?",[],{"_key":2310,"_type":170,"children":2311,"markDefs":2316,"style":190},"k431",[2312],{"_key":2313,"_type":174,"marks":2314,"text":2315},"k430",[],"BNPL is a good option for those who want to purchase big-ticket products but do not have the immediate bandwidth to make the purchase. It is especially useful if you don’t have a credit card. The BNPL feature is easy to use and takes just minutes to sign up. It is also cheaper than credit cards because of the extremely low interest.",[],{"_key":2318,"_type":170,"children":2319,"markDefs":2324,"style":190},"k434",[2320],{"_key":2321,"_type":174,"marks":2322,"text":2323},"k433",[],"Another advantage of BNPL is that it doesn’t affect your credit score. Even if you miss a payment, it does not reflect on your credit score because it is considered a short-term financing product. 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