How to add PayNow to your website or app
You can add PayNow to your website or app without signing up for a full payment gateway. Use an API that generates PayNow QR codes with the amount and your reference already built in, display the QR on your page or in your app, and the customer scans and pays from their banking app. The money goes straight to your own bank account. No gateway, no percentage, no settlement cycle.
The gateway route (and why it may be more than you need)
The standard advice for adding PayNow to a website is to integrate a payment gateway: Stripe, HitPay, or similar. You embed their checkout widget, the customer selects PayNow as a method, and the gateway handles the rest.
That works, but it comes with the full gateway package. Stripe charges 1.3% per PayNow transfer. HitPay charges from 0.65% plus S$0.30 for online PayNow. You're also managing a merchant account, dealing with settlement schedules, and maintaining an integration with a platform built primarily for cards and multi-method checkout.
If your website or app only needs PayNow (not cards, not wallets, not subscriptions), the gateway is doing a lot of work you're not using, and charging you for it.
The simpler approach: a PayNow QR API
Instead of a gateway, you can use an API that just generates PayNow QR codes. Here's what the flow looks like:
- Your website or app calls the API when a customer is ready to pay.
- You send the amount and your reference (invoice number, order ID, or whatever you use).
- The API returns a PayNow QR code with that amount and reference encoded.
- You display the QR on your checkout page or in your app.
- The customer scans it with their banking app and pays.
- The money goes from their bank to yours. Your reference comes back with the payment.
No redirect to a third-party checkout. No settlement wait. No percentage on the payment. The customer stays on your site, scans, pays, and the transaction is done.
What you need to build
The integration is lighter than a full gateway setup. You need an API call to generate the QR (one endpoint, a few parameters: UEN, amount, reference) and a way to display the QR on your page (an image tag or a component in your app).
If you want to confirm payment on your end automatically (so your page updates when the customer has paid), that's part of a deeper integration. For many use cases, displaying the QR and letting the customer scan and pay is enough, because the payment arrives in your bank immediately and your reference tells you what it's for.
DoubleAM's API
DoubleAM offers API access for exactly this use case. You sign up, we approve your access, and you get an API key to generate PayNow QR codes from your own software.
The API tier gives you up to 50 requests per month. That's 50 unique QR codes, each with its own amount and reference. The fee is flat, with no percentage on any payment. The money goes to your own bank account, and we never hold or process it.
For higher volumes, more complex flows, or cases where you want the whole integration built and managed for you, the Custom tier covers that. We'll build the PayNow flow into your website, app, or back-office and connect payment tracking to the systems you already use.
See the full integration options for details on both paths.
When to use a gateway instead
A payment gateway is the right tool if your website needs to accept credit cards (Visa, Mastercard) alongside PayNow, you want to support GrabPay, Apple Pay, or other wallets, you need subscription billing or recurring charges, or your checkout serves customers in multiple countries.
In those cases, a gateway like Stripe earns its fee because you're using the full platform. The percentage covers real complexity.
But if PayNow is the main payment method on your site, and cards or wallets aren't part of the picture, a QR generation API is simpler, cheaper, and faster to integrate. For a detailed comparison, see do you need a payment gateway for PayNow?
Getting started
If you want to try the flow without any code, the free PayNow QR generator shows you what the customer experience looks like. Create a QR with an amount and reference, scan it yourself, and see how it works.
When you're ready to integrate, sign up for API access. We review and approve your access, and you can start generating QR codes from your own website or app.
Last updated: June 2026. Gateway fees cited (Stripe 1.3%, HitPay from 0.65%+S$0.30 online) are based on published pricing as of this date.
Frequently asked questions
You can add PayNow to your website by using an API that generates PayNow QR codes on demand. DoubleAM's API creates a QR with the amount and reference already encoded, which you display on your checkout or payment page. The customer scans and pays into your bank directly.
No. A gateway routes payments through a processor and takes a percentage. If you only need PayNow, you can use a QR generation API to create PayNow codes on your own page. The money goes straight to your bank, and you pay a flat fee instead of a percentage.
With DoubleAM, the API tier gives you up to 50 QR generation requests per month after a free signup and approval. There's no percentage on any payment. For higher volumes or a fully built integration, the Custom tier covers it.
Yes. The same API that generates PayNow QR codes for websites works for mobile apps. You call the endpoint, display the QR in your app, and the customer scans and pays from their banking app.