This is a Money Out operation. Each top-up debits funds from your Singapay Payment Gateway balance and credits the destination e-wallet account.
OVO
Top up OVO balance directly.
Dana
Transfer to Dana accounts.
ShopeePay
Fund ShopeePay wallets.
GoPay & more
GoPay and other supported providers.
Recommended flow
Inquiry account
Call E-Wallet Top Up — Account Inquiry with the customer’s e-wallet phone number and provider. Singapay validates the account via Shanghai Core and returns the registered account holder name plus applicable limits and fee quote. Present this to the user for confirmation.
Trigger top-up
Once confirmed, call E-Wallet Top Up — Trigger Transfer with the validated account details and amount. Singapay debits your balance and dispatches the top-up job to the provider. A
reference_number is returned to track the transaction.Transaction status
| Status | Description |
|---|---|
pending | Top-up initiated, awaiting processing by the e-wallet provider. |
success | Funds successfully credited to the destination e-wallet. |
failed | Top-up failed — check the response code for the reason. |
Important notes
Always inquiry before transferring
Always inquiry before transferring
Always call Account Inquiry before initiating a top-up. This validates the destination e-wallet account, confirms the holder name, and returns the fee and net amount — so the user can confirm before funds are debited.
Provider-specific limits
Provider-specific limits
Each e-wallet provider has its own minimum and maximum top-up limits. These are returned in the Account Inquiry response — always check before submitting a transfer to avoid validation errors.
Signature required for transfers
Signature required for transfers
The Trigger Transfer endpoint requires additional
X-Signature and X-Timestamp headers using internal signing rules — separate from standard Bearer token auth. See Authentication for signing requirements.Reference number for tracking
Reference number for tracking
Store the
reference_number returned from the Trigger Transfer call. Use it with Inquiry Status to safely check the outcome and handle retries without creating duplicate top-ups.Pending status handling
Pending status handling
For transactions that return
pending, use Inquiry Status to refresh the status. If a vendor_reference_no exists on a pending record, Singapay will attempt to refresh the status from the provider — timeouts return response code SP005.Available endpoints
Account Inquiry
Validate the destination e-wallet account and get limits and fee quote before transferring.
Trigger Transfer
Initiate the top-up and transfer funds from your Singapay balance to the e-wallet.
Inquiry Status
Query the current status of a top-up transaction by reference number.
All endpoints require
Authorization: Bearer <token> and X-PARTNER-ID on every request. The Trigger Transfer endpoint additionally requires X-Signature and X-Timestamp. See Authentication for details.