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
1
Inquiry account
Call E-Wallet Top Up — Account Inquiry with the customer’s e-wallet phone number and provider. Singapay validates the account and returns the registered account holder name plus applicable limits and fee quote. Present this to the user for confirmation.
2
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.3
Inquiry status
Use E-Wallet Top Up — Inquiry Status with the
reference_number to verify the final outcome — especially for transactions that remain in pending state.Transaction status
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.