PayLah! vs GrabPay vs Stripe SG, which payment rail should I use?

Pick by use case, most SG stores run two or three rails simultaneously:

• GrabPay, regional dominant, best for SEA cross-border (covers MY / ID / PH / TH too). Higher fees (2-3%) but huge demographic reach.
• PayLah! (DBS), Singapore-first mobile rail, dominant with DBS / POSB customers (~5M users). Lower fees, instant settlement to DBS business accounts. Best for pure-SG stores.
• Stripe Singapore, best developer experience, multi-currency (SGD / USD / MYR / IDR), card + Apple Pay + Google Pay + Atome BNPL all unified. Slightly higher base rate.
• Adyen, enterprise / multi-region. One contract for SG + EU + APAC, unified reporting.

Most pure-SG DTC stores run Stripe SG + GrabPay + PayLah! as a three-rail stack. SEA hubs add Adyen for unified regional reporting.