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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":1179,"category":1964,"coverImage":1965,"excerpt":1968,"faq":246,"intro":1976,"isFaqShown":152,"isSummaryShown":152,"isVideoShown":152,"publishedAt":1996,"reviewer":246,"seo":1997,"slug":2000,"sources":246,"title":1966,"video":246},"blogPost-SG-65a9e9bbd0bdabb429b1e5e2","2026-09-24T08:38:53Z",[1168],{"canonicalUrl":246,"isNoIndex":246,"language":246,"market":84,"pathPrefix":246},{"avatar":1170,"bio":1175,"doesServePage":141,"linkedinUrl":1176,"name":1171,"role":1177,"slug":1178,"twitterUrl":246},{"_type":154,"alternativeText":1171,"height":1172,"url":1173,"width":1174},"Daniel Ling",1731,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F80f62f543364565c7be61eeb1a388081\u002F64cc9747a40d4937014e5982_Headshot-1---Daniel-Ling.jpg",1154,"Daniel is a seasoned writer specialising in business finance, market trends, and industry best practices. Daniel has led thought leadership initiatives at Meta and other reputable companies for more than a decade. Daniel leverages his consumer insights and a data-driven approach to help businesses grow.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Flingdaniel\u002F","Writer","daniel-ling",[1180,1190,1198,1212,1224,1236,1248,1271,1283,1295,1301,1309,1317,1325,1330,1338,1346,1354,1362,1370,1378,1386,1394,1413,1421,1440,1448,1456,1466,1474,1482,1490,1498,1506,1514,1522,1530,1538,1546,1554,1562,1570,1578,1583,1591,1599,1611,1633,1645,1653,1661,1669,1677,1700,1712,1724,1736,1744,1752,1760,1772,1784,1796,1808,1820,1832,1844,1856,1868,1880,1888,1907,1915,1945],{"_key":1181,"_type":170,"children":1182,"markDefs":1188,"style":1189},"k2",[1183],{"_key":1184,"_type":174,"marks":1185,"text":1187},"k1",[1186],"strong","How Does A Merchant Account Work?",[],"h2",{"_key":1191,"_type":170,"children":1192,"markDefs":1197,"style":190},"k5",[1193],{"_key":1194,"_type":174,"marks":1195,"text":1196},"k4",[],"Here's how a merchant account typically operates:",[],{"_key":1199,"_type":170,"children":1200,"level":1209,"listItem":1210,"markDefs":1211,"style":190},"k10",[1201,1205],{"_key":1202,"_type":174,"marks":1203,"text":1204},"k8",[1186],"Accept Payments: ",{"_key":1206,"_type":174,"marks":1207,"text":1208},"k9",[],"With a merchant account, you can accept electronic payments from customers using credit or debit cards.",1,"number",[],{"_key":1213,"_type":170,"children":1214,"level":1209,"listItem":1210,"markDefs":1223,"style":190},"k15",[1215,1219],{"_key":1216,"_type":174,"marks":1217,"text":1218},"k13",[1186],"Hold the Funds:",{"_key":1220,"_type":174,"marks":1221,"text":1222},"k14",[]," When a customer makes a purchase, the payment details are sent to the payment processor, and the funds from their card payment are temporarily held in your merchant account. This ensures the payment is valid and enough funds are available.",[],{"_key":1225,"_type":170,"children":1226,"level":1209,"listItem":1210,"markDefs":1235,"style":190},"k20",[1227,1231],{"_key":1228,"_type":174,"marks":1229,"text":1230},"k18",[1186],"Await Verification and Clearing:",{"_key":1232,"_type":174,"marks":1233,"text":1234},"k19",[]," The payment processor checks the transaction for validity and confirms whether the customer's bank has sufficient funds to cover the purchase. This process is known as verification and clearing. If everything is in order, the transaction is approved for processing.",[],{"_key":1237,"_type":170,"children":1238,"level":1209,"listItem":1210,"markDefs":1247,"style":190},"k25",[1239,1243],{"_key":1240,"_type":174,"marks":1241,"text":1242},"k23",[1186],"Accept Funds: ",{"_key":1244,"_type":174,"marks":1245,"text":1246},"k24",[],"After verification, the payment processor initiates the transfer of funds from the customer's bank (issuing bank) to your merchant account. The duration of this transfer may vary depending on factors like the type of card used and the customer's bank.",[],{"_key":1249,"_type":170,"children":1250,"level":1209,"listItem":1210,"markDefs":1268,"style":190},"k35",[1251,1255,1259,1264],{"_key":1252,"_type":174,"marks":1253,"text":1254},"k31",[1186],"Transfer Funds to Business Account:",{"_key":1256,"_type":174,"marks":1257,"text":1258},"k32",[]," Once the funds are successfully transferred to your merchant account, they are deposited into your designated ",{"_key":1260,"_type":174,"marks":1261,"text":1263},"k33",[1262],"k28","business bank account",{"_key":1265,"_type":174,"marks":1266,"text":1267},"k34",[],". Before depositing, the payment processor or the merchant acquiring bank deducts any applicable fees or transaction costs.",[1269],{"_key":1262,"_type":188,"externalUrl":1270,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fbusiness-account",{"_key":1272,"_type":170,"children":1273,"level":1209,"listItem":1210,"markDefs":1282,"style":190},"k40",[1274,1278],{"_key":1275,"_type":174,"marks":1276,"text":1277},"k38",[1186],"Fee Distribution: ",{"_key":1279,"_type":174,"marks":1280,"text":1281},"k39",[],"In each transaction, various parties are involved, including the issuing bank, card networks, payment processor, and merchant acquiring bank. Each party may charge a fee for their services. The merchant account ensures that these fees are accurately distributed, and you receive the net amount after deducting fees.",[],{"_key":1284,"_type":170,"children":1285,"level":1209,"listItem":1210,"markDefs":1294,"style":190},"k45",[1286,1290],{"_key":1287,"_type":174,"marks":1288,"text":1289},"k43",[1186],"Transaction Records: ",{"_key":1291,"_type":174,"marks":1292,"text":1293},"k44",[],"Your merchant account records all transactions processed. These records are essential for tracking sales, managing refunds, handling chargebacks, and reconciling your finances.",[],{"_key":1296,"_type":154,"height":1297,"position":1298,"url":1299,"width":1300},"k46",220,"center","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F9db0e5d26b47ab1b21bc7cd53b5a38df\u002Fwhat-is-a-merchant-account-and-how-does_body_what-is-a-merchant-account-and_1.png",897,{"_key":1302,"_type":170,"children":1303,"markDefs":1308,"style":1189},"k49",[1304],{"_key":1305,"_type":174,"marks":1306,"text":1307},"k48",[1186],"Payment Processors vs Payment Gateways vs Merchant Accounts: Understanding the Differences",[],{"_key":1310,"_type":170,"children":1311,"markDefs":1316,"style":190},"k52",[1312],{"_key":1313,"_type":174,"marks":1314,"text":1315},"k51",[],"Payment processors, payment gateways, and merchant accounts each have their own unique functions.",[],{"_key":1318,"_type":170,"children":1319,"markDefs":1324,"style":190},"k55",[1320],{"_key":1321,"_type":174,"marks":1322,"text":1323},"k54",[],"Now that you understand the differences between a merchant account, a payment processor, and a payment gateway, let's see how these three work together.",[],{"_key":1326,"_type":154,"height":1327,"position":1298,"url":1328,"width":1329},"k56",322,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F5f6bfd4deccd9388ae2c79204ae308d5\u002Fwhat-is-a-merchant-account-and-how-does_body_what-is-a-merchant-account-and_2.png",850,{"_key":1331,"_type":170,"children":1332,"markDefs":1337,"style":1189},"k59",[1333],{"_key":1334,"_type":174,"marks":1335,"text":1336},"k58",[1186],"How Does a Merchant Account Differ From a Business Bank Account?",[],{"_key":1339,"_type":170,"children":1340,"markDefs":1345,"style":190},"k62",[1341],{"_key":1342,"_type":174,"marks":1343,"text":1344},"k61",[],"A merchant account deals with electronic card payments for your business. It temporarily holds the funds before moving them to your business bank account. So, a merchant account primarily focuses on securely managing customer card payments.",[],{"_key":1347,"_type":170,"children":1348,"markDefs":1353,"style":190},"k65",[1349],{"_key":1350,"_type":174,"marks":1351,"text":1352},"k64",[],"On the other hand, your business bank account is the central hub for managing all business finances. You can use it for day-to-day operations, including receiving payments from multiple sources.  Moreover, a business bank account manages and allocates funds for different business expenses, including supplier payments, employee salaries, rent, utilities, and other operational costs. Unlike a merchant account, a business bank account has a bigger role and manages all aspects of your business's finances and transactions.",[],{"_key":1355,"_type":170,"children":1356,"markDefs":1361,"style":1189},"k68",[1357],{"_key":1358,"_type":174,"marks":1359,"text":1360},"k67",[1186],"What Are the Benefits of a Merchant Account?",[],{"_key":1363,"_type":170,"children":1364,"markDefs":1369,"style":190},"k71",[1365],{"_key":1366,"_type":174,"marks":1367,"text":1368},"k70",[],"With a merchant account, you can receive various payment options, including credit cards, debit cards, and mobile payments. This means you can cater to a broader range of customers and provide them with convenient payment options. Accepting card payments reduces the need for handling cash, making your business operations more efficient and secure.",[],{"_key":1371,"_type":170,"children":1372,"markDefs":1377,"style":190},"k74",[1373],{"_key":1374,"_type":174,"marks":1375,"text":1376},"k73",[],"This account simplifies your accounting process by grouping transactions and depositing them to your business account in a single deposit. This is especially helpful when you have multiple transactions per day. This makes it easier to track your business' cash flow.",[],{"_key":1379,"_type":170,"children":1380,"markDefs":1385,"style":190},"k77",[1381],{"_key":1382,"_type":174,"marks":1383,"text":1384},"k76",[],"A merchant account allows easy integration with your e-commerce platform, making payment processing a breeze for your online customers. The money held in your merchant account can also act as a safety net for uncertain situations as it allows you to handle refunds or chargebacks without directly impacting your business bank account",[],{"_key":1387,"_type":170,"children":1388,"markDefs":1393,"style":190},"k80",[1389],{"_key":1390,"_type":174,"marks":1391,"text":1392},"k79",[],"A standard payment process (without a merchant account) might involve higher fees and risks. But with a merchant account in place, you can streamline payment processing, save on fees, and gain your customers' trust.",[],{"_key":1395,"_type":170,"children":1396,"markDefs":1410,"style":190},"k88",[1397,1401,1406],{"_key":1398,"_type":174,"marks":1399,"text":1400},"k85",[],"With a merchant account, you can perform fraud checks when necessary. Suspicious payments can be flagged before they reach your business bank account. This can save you from hefty ",{"_key":1402,"_type":174,"marks":1403,"text":1405},"k86",[1404],"k82","transaction fees",{"_key":1407,"_type":174,"marks":1408,"text":1409},"k87",[]," and secure your finances.",[1411],{"_key":1404,"_type":188,"externalUrl":1412,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fcomplete-guide-to-transaction-fees",{"_key":1414,"_type":170,"children":1415,"markDefs":1420,"style":1189},"k91",[1416],{"_key":1417,"_type":174,"marks":1418,"text":1419},"k90",[1186],"Does Your Business Need a Merchant Account in Singapore?",[],{"_key":1422,"_type":170,"children":1423,"markDefs":1437,"style":190},"k99",[1424,1428,1433],{"_key":1425,"_type":174,"marks":1426,"text":1427},"k96",[],"You have ",{"_key":1429,"_type":174,"marks":1430,"text":1432},"k97",[1431],"k93","different types of business accounts to choose from",{"_key":1434,"_type":174,"marks":1435,"text":1436},"k98",[],", but how do you know which one you need? Here's a simple way to determine if a merchant account is right for you.",[1438],{"_key":1431,"_type":188,"externalUrl":1439,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fsingapore-business-accounts-choose-the-right-one",{"_key":1441,"_type":170,"children":1442,"markDefs":1447,"style":190},"k102",[1443],{"_key":1444,"_type":174,"marks":1445,"text":1446},"k101",[],"Answer the following questions:",[],{"_key":1449,"_type":170,"children":1450,"level":1209,"listItem":1210,"markDefs":1455,"style":190},"k106",[1451],{"_key":1452,"_type":174,"marks":1453,"text":1454},"k105",[1186],"Do you want to accept customer credit\u002Fdebit card payments?",[],{"_key":1457,"_type":170,"children":1458,"level":1209,"listItem":1464,"markDefs":1465,"style":190},"k109",[1459],{"_key":1460,"_type":174,"marks":1461,"text":1463},"k108",[1462],"em","If yes, it may be smart to apply for a merchant account right away.","bullet",[],{"_key":1467,"_type":170,"children":1468,"level":1209,"listItem":1210,"markDefs":1473,"style":190},"k112",[1469],{"_key":1470,"_type":174,"marks":1471,"text":1472},"k111",[],"Are you running an online store or planning to start one? 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