Pay with ease

Online shopping with eNets (d2pay)

Shop online without a credit card.

Online shopping with eNets (d2pay)

Now you can shop on the Internet without a credit card and merchants can look forward to increased sales.

In partnership with eNets, DBS d2pay allows you to pay participating merchants from their web-sites by directly debiting the payment from your accounts (DBS/POSB Savings and Current account). It is an innovative online payment service that makes it more convenient to shop online in Singapore.

These payments are safe as DBS d2pay uses the highest security measures adopted by the industry. This means your personal information gets maximum protection and total peace of mind.

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Are you always on the look out for ways to harness the power of e-commerce to increase your sales? Well, look no more. Our d2pay (direct debit payment) system is so convenient and easy for your customers to use, it will be hassle-free shopping for them if you use d2pay. And they will keep coming back to you.

What can it do for you?

  • 24 Hour Access
    DBS d2pay is Internet-based and buyers can make payments anytime, anywhere. With no boundaries, DBS d2pay helps get sales going fast.

  • Online Payment Gateway
    The status of transactions are updated immediately. The buyer's account is debited immediately and your account credited the next business day automatically. This helps you manage your company's account receivable much better, and gives you a better cash flow position.

  • A Secure Gateway
    DBS d2pay uses high-security industry-standard 128-bit Secure Socket Layer (SSL) encryption and Public Key Infrastructure (PKI) to ensure maximum data protection.

  • Eliminate risk of chargeback
    Unlike credit card payments, d2Pay transactions are not exposed to chargeback risks.

  • Convenience to buyers
    There is no income requirement for the buyer. All he needs is just a DBS or POSB savings/current account. There are also no subscription or transaction fees imposed on buyers, and this gives buyers more incentives to use d2pay.

  • How does it work?
    DBS d2pay lets buyers pay their merchants through the Internet. To do this, the merchant's site must be connected to DBS via DBS d2pay. The buyer's accounts with DBS will be debited immediately once the transaction is confirmed. Both merchants and buyers are informed of the transaction status immediately after the bank has processed the payment instructions. You will also get day-end electronic reports of intra-day transactions.

  • Merchant Sign-up
    Email us at BusinessCareSG@dbs.com for more details on how to integrate your site to our payment gateway.


  1. Why should I choose DBS d2pay?

    You should choose DBS d2pay because it is:

    • Flexible

      With DBS d2pay, you can set a daily transaction limit of up to S$25,000 and use one of your savings or current accounts for payment. You can also lower the transaction limit at the click of your mouse. To increase the daily transaction limit or change your designated account, all you need to do is complete the DBS d2pay Multi Purpose Form and mail it to us.

    • Easy to use

      Making payments using DBS d2pay is a breeze with its easy-to-follow, step-by-step instructions.

    • Instant online confirmation

      You get instant peace of mind as d2pay gives you an acknowledgement page spelling out details of the payment. A unique payment reference will also be given for each payment made. If you need a copy of the acknowledgement, simply print it using your Internet Browser print function.

    • Accessible

      As DBS d2pay is Internet-based, you can access the service anytime, anywhere.

    • Convenient

      There is no application form to fill in nor a minimum income requirement to meet. To enjoy DBS d2pay, all you need is access to DBS iBanking.

    • Free of Charge

      There are no subscription or transaction fees for DBS d2pay.


  2. How do I use DBS d2pay?

    At the merchant’s site when you select DBS d2pay as your payment mode, you will be asked to key in your iBanking user ID (UID) and PIN. Please follow the on-screen Transaction Signing instructions with your iBanking Secure Device to complete the transaction.

  3. Where can I use DBS d2pay?

    We have a good number of merchants who have signed up to use the d2pay service but we will continue to sign up government agencies, online merchants and e-tailers for your online convenience. You can use DBS d2pay whenever you shop online. DBS has signed up a whole range of government agencies, online merchants and e-tailers to ensure that you have fun shopping on the Internet.

  4. What do I need to apply for DBS d2pay?

    To use DBS d2pay service, you need to be a iBanking user.

    • Click here for the easiest & fastest way to get your very own iBanking User ID & PIN if you currently do not have the service.
    • Refer to the "How to be a d2Pay Merchant" tab if you are an online merchant interested in offering DBS d2pay to your customers.

  5. What precautions should I take when transacting on the Internet?

    You should ensure that the page prompting you for your PIN has a page certification for "d2pay.dbs.com".

    Internet Explorer

    To view the certification, do the following:

    • right-click on the page
    • select "Properties" - you should verify that the URL shows https://d2pay.dbs.com/dbs/... and the connection is secure with 128 bit encryption.
    • click on "Certificates" - you should see "Issued to: d2pay.dbs.com" and verify that the date is valid

    Netscape Browser

    Steps to view the above :-

    • Right-click on the page
    • Select "View Info" - you should see that the certificate belongs to d2pay.dbs.com and the date is valid

  6. Why is it important to ensure that the certificate of the page is from DBS Bank?

    It confirms that you are submitting the information to DBS Bank, that your account information is protected with SSL encryption against unintentional disclosure of information to third parties.

  7. Will I be charged for using DBS d2pay?

    No.

  8. Is this service available 24 hours?

    Yes, you can make payment any time round the clock.

  9. What are the benefits of DBS d2pay?

    Besides being an additional payment method for your online purchases on top of existing options credit cards and debit cards. DBS d2pay is easy, fast and secure. It is free to individuals and is available to you 24 hours a day, seven days a week.

  10. I am a merchant who is interested to offer DBS d2pay service on my site. How do I sign up?

    Please call 1800 327 2265 or e-mail cashmgt@dbs.com for further details.


Getting Started

  1. How can I start using DBS d2pay?

    All you need is DBS iBanking. All iBanking users can use DBS d2pay immediately to make payments securely on the Internet to participating online merchants.

  2. Can I opt out of the service?

    Yes, you can deactivate the d2pay service using DBS iBanking anytime. Simply follow the steps below:

    • Log on to DBS iBanking
    • Select "Payment Services" followed by "DBS d2pay Limit Change"
    • Set the limit to 0

    The deactivation is immediate. No DBS d2pay payments will be allowed until you re-activate this service in writing using the DBS d2pay Multi-Purpose Form.

  3. How do I change the account designated for my DBS d2pay payments?

    You can use the DBS d2pay Multi-Purpose Form to instruct us to change your designated account for DBS d2pay payments.

  4. How do I change the DBS d2pay payment limit?

    Simply follow the steps below to lower your payment limit:

    • Log on to DBS iBanking
    • Select "Payment Services" followed by "DBS d2pay Limit Change"
    • Select a new limit from the drop-down list

    If you wish to raise the limit, please write to us or use the DBS d2pay Multi-Purpose Form.


Making Payment

  1. How do I make payment?

    After you have chosen the DBS d2pay as the payment option at the merchant's website, the Enter User ID page will be presented and thereafter, DBS will prompt you for your personal identification number (PIN) to verify your identity and to carry out your payment request.

    • For first time users
      You will be prompted to perform a one-time DBS d2pay setup process where you designate a DBS/POSB savings or current account as your default debiting account as well as a daily payment limit. The selected account and daily limit will be used for all your future DBS d2pay transactions.
    • For subsequent users
      You will be requested to enter your User ID and PIN to authorise the payment. The amount will be deducted from your designated account and paid to the merchant automatically.

  2. How do I use DBS d2pay?

    After you have entered your PIN and clicked the 'Submit' button, the money will be debited immediately from your designated account. You will receive an acknowledgement page with a transaction reference if the payment is successful.

  3. What will happen if I do not have enough money in my account?

    The transaction will be rejected. You can transfer funds from another account to your DBS d2pay default account via DBS iBanking before using DBS d2pay again.

  4. How do I know if the payment is successful?

    An acknowledgement page with a unique transaction reference will be presented to you for all successful payments. You can also check the amount deducted in your Account Transaction History on iBanking.

  5. What should I do if I suspect there is an unauthorized payment made?

    You should deactivate the d2pay service immediately using DBS iBanking. Please notify the Bank immediately at 1800-111 1111 (or 65-6327 2265 from overseas) to deactivate your iBanking and provide us the necessary details to facilitate investigations.