How to collect payments on WhatsApp in Singapore
You can collect payments on WhatsApp by sending your customer a PayNow QR code in the chat. They scan it, pay from their banking app, and the money goes straight into your own bank account. No payment link, no gateway, no percentage fee. It works with every Singapore bank, and the whole thing takes about 30 seconds to set up.
Why WhatsApp works for payment collection
Most Singapore businesses already talk to their customers on WhatsApp. Appointments, quotes, order confirmations, follow-ups: it all happens in the chat. When payment time comes, the natural thing is to send the request right there, not redirect the customer to a separate payment page or portal.
A PayNow QR in a WhatsApp message sits in the same conversation where the business happened. The customer sees the amount, scans the QR, and pays. There's no extra step, no link to click, no page to load. The payment happens where the relationship already lives.
That's why businesses that switch from emailing invoices or sharing bank details manually to WhatsApp QR codes tend to get paid faster. The request is right in front of the customer, in the app they check most often.
How it works: step by step
- Go to the DoubleAM PayNow QR generator on your phone or computer.
- Enter your UEN or mobile number (the one registered with PayNow at your bank).
- Enter the amount your customer needs to pay.
- Add a reference. This is your invoice number, order number, or customer name. It comes back with the payment so you know who paid.
- Tap "Send on WhatsApp." The tool opens WhatsApp with the QR and a short message ready to send.
- Pick the contact or group and send.
Your customer receives a clean payment card with your business name, the amount, and the QR code. They scan it with their banking app (DBS, UOB, OCBC, POSB, or any other Singapore bank), confirm the payment, and it's done.
The money goes from their bank to yours. It doesn't pass through any gateway, processor, or middleman. DoubleAM never holds or touches the funds.
What the customer sees
The customer gets a WhatsApp message with a branded payment card. It shows your business name, the amount to pay, and a QR code. The amount is locked in, so they can't accidentally pay the wrong figure.
They open their banking app, scan the QR, and see the payment pre-filled: the right amount, going to the right account, with your reference attached. One tap to confirm.
No downloading an app. No creating an account. No typing in bank details. Just scan and pay with the banking app they already have.
Why this is better than sharing bank details
The old way: you WhatsApp your customer something like "Please transfer S$450 to UOB account 123-456-789, reference INV-0087." The customer opens their bank app, types in the account number, types the amount, maybe types the reference (or forgets). You check your bank later and try to match the deposit to the invoice.
The problems are obvious. Wrong amounts. Missing references. Payments you can't match. Customers who mean to pay but forget because it's too many steps.
A QR with the amount and reference built in fixes all of that. The customer scans and pays the exact amount, with your reference already attached. You know who paid and for what, without chasing.
What about payment links?
Some gateways offer payment links you can send on WhatsApp. The customer clicks the link, lands on a checkout page, selects PayNow, and pays.
That works, but it adds steps and cost. The customer leaves WhatsApp, loads a page, picks a payment method. The gateway processes the payment, holds it, and settles it to you later. And the gateway takes a percentage: Stripe charges 1.3%, HitPay charges from 0.65% plus S$0.30 for online payments.
A QR code in the chat is simpler. The customer scans and pays from their banking app without leaving the conversation. The money goes straight to your bank. And there's no percentage.
Who this is for
This approach works well for service businesses that quote and confirm on WhatsApp (home services, repairs, cleaning), clinics and practices that confirm appointments on WhatsApp, freelancers who agree on scope and price in the chat, tuition centres that message parents about fees, and any small business that already uses WhatsApp to talk to customers.
If your collection process is already conversational, putting the payment in the conversation is the natural fit.
Getting started
The free PayNow QR generator is the quickest way to try it. Create a request, send it on WhatsApp, and see how it works with a real customer. There's no signup and no cost.
If you're sending dozens of requests a day and want them to go out automatically, see our PayNow integration options for ways to connect PayNow to your workflow. Or read more about sending PayNow requests on WhatsApp.
Last updated: June 2026.
Frequently asked questions
Yes. You can send a PayNow QR code on WhatsApp. Your customer scans the QR from the chat, pays through their banking app, and the money goes straight to your bank. No payment gateway or merchant account is needed.
Sending the message on WhatsApp is free (it's just a WhatsApp message). Creating the PayNow QR with DoubleAM's free generator is also free. PayNow transfers are free to receive into most Singapore bank accounts.
Use a PayNow QR generator like DoubleAM's free tool. Enter your UEN, the amount, and a reference. The tool generates a QR and lets you tap to send it directly on WhatsApp to your customer.
Yes. PayNow works across all Singapore banks. Your customer can scan the QR and pay from DBS, POSB, UOB, OCBC, or any other bank that supports PayNow.