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PayNow QR payment is a convenient and popular method in Singapore that allows customers to make payments by scanning a QR code using their mobile banking app. Once the payment is completed, the business receives instant confirmation, streamlining the transaction process and enhancing customer satisfaction.

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How it Works?

  • Users register for PayNow by linking their mobile phone number or NRIC/FIN (National Registration Identity Card/Foreign Identification Number) to their bank account.
  • Payments can be made by:
    • Entering the recipient’s mobile phone number or NRIC/FIN.
    • Scanning a QR code (PayNow QR).
    • Using a proxy (e.g., Virtual PayNow Account).
  • Funds are transferred instantly between bank accounts.

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Payment Method type

Users can use the below payment method type to create a transaction using PayNow in the available geography
  • Singapore: paynow_sgd

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Functionality

FunctionalityYes/NoDescription
Refund Support
Full Refund✅Made to phone number if provided, else with account details
Partial Refund✅Made to phone number if provided, else with account details
Generally Available❌Requires enablement which is almost instant.
Dispute and Chargebacks✅

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Limits and Expiration

The following is the upper and lower limits for PayNow transactions:
  • Minimum Limit: USD 0.01
  • Maximum Limit: USD 20000
The default expiration for a transaction is 20 minutes. This is further configurable within the default time of expiration.

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User Experience

Native Experience For more details, please click here.