How to Generate a PayNow QR Code (DBS, UOB, OCBC, POSB)

How to generate a PayNow QR code (DBS, UOB, OCBC, POSB)

You can generate a PayNow QR code through your bank's app. Every major Singapore bank (DBS, POSB, UOB, OCBC) supports PayNow QR, and some let you set a fixed amount and description right in the app. If you collect from customers regularly across different banks and want one consistent flow with your own reference, send-on-WhatsApp, and API access, a cross-bank tool like DoubleAM's free PayNow QR generator handles that in seconds.

What a PayNow QR code actually contains

A PayNow QR code is a standardised format that tells the payer's banking app where to send money. At minimum, it carries the recipient's PayNow ID, which is either a UEN (for businesses) or a mobile number (for individuals).

There are two types. An open-amount QR identifies who gets paid, but the payer types in the amount themselves. A fixed-amount QR has the amount already encoded, so the payer just confirms. Some QR codes also carry a description or reference, which comes back with the payment and makes matching easier.

For a counter display or donation box, an open-amount QR is fine. For invoicing and service payments where you need to know who paid and how much, a fixed-amount QR with a reference saves you the chasing and guessing.

How to generate a PayNow QR from DBS or POSB

DBS and POSB use the same app (DBS digibank). The steps are the same for both.

For an open-amount QR (payer enters the amount):

1. Open the DBS digibank app.
2. Go to "Scan & Pay."
3. Tap "My QR." This shows a QR linked to your PayNow-registered mobile number or UEN.
4. Save or share the QR image.

This QR identifies your account. The payer scans it and types in whatever amount they want to send.

For a fixed-amount QR (amount, description, and expiry set by you):

1. Open the DBS digibank app.
2. Go to "Scan & Pay."
3. Tap "Generate QR."
4. Enter the amount, a description (this is your reference), and an expiry date.
5. The app generates a QR with those details encoded.

This is more useful for collecting specific payments. The customer scans it, sees the amount pre-filled, and confirms. The description you entered comes back with the payment.

How to generate a PayNow QR from UOB

1. Open the UOB TMRW app.
2. Go to "Pay & Transfer."
3. Select "PayNow."
4. Tap the QR code icon or "My QR."
5. The app shows your PayNow QR linked to your registered account.
6. Save or share the QR image.

UOB also supports PayNow for business. Check the app for options to generate QR codes with a specified amount, as the exact flow may differ from DBS.

How to generate a PayNow QR from OCBC

1. Open the OCBC Digital app.
2. Tap "Pay & Transfer" or "PayNow" from the home screen.
3. Select "Show My QR" or "PayNow QR."
4. The app displays your QR linked to your PayNow-registered account.
5. Screenshot or share it directly.

For a fixed-amount QR, OCBC business customers can create SGQR labels through OCBC Velocity (Tools, then Manage PayNow & SGQR). OCBC's OneCollect app also supports fixed-amount QR generation. These let you set the amount in advance so the payer just confirms.

Where bank apps hit their limit

The major banks can generate PayNow QR codes, and some support fixed amounts and descriptions. For a one-off payment, that works fine. The friction shows up when you're collecting regularly from multiple customers.

Each bank's app works differently, so you're learning (and re-learning) a different flow per bank. There's no way to send the QR directly on WhatsApp from the bank app. You can't generate QR codes programmatically or in bulk. And if you use more than one bank, you're switching between apps with different steps for the same job.

For a business that sends five or ten payment requests a day, doing it one at a time through the bank app is the slow part.

A cross-bank tool: one flow, any bank, send on WhatsApp

The DoubleAM PayNow QR generator works the same way regardless of which bank you use. Enter your UEN, set the amount and a reference, and you get a QR with everything encoded. Send it to your customer on WhatsApp with one tap. The money goes straight to your bank (any Singapore bank), and the reference comes back so you can match it.

Here's how:

1. Go to doubleam.com/paynow/generator.
2. Enter your UEN or mobile number (the one registered with PayNow at your bank).
3. Set the amount you want to collect.
4. Add a reference (invoice number, customer name, or anything you use to track payments).
5. The tool generates a QR code and a shareable payment card.
6. Send it to your customer on WhatsApp, email, or any channel you use.

It's free, there's no signup, and it works with every Singapore bank. The money lands in your own bank account. DoubleAM never holds, moves, or takes a percentage of your payments.

Which method should you use?

Your bank's app is fine for the occasional one-off: a single QR for a counter display, or a quick fixed-amount request to one customer. The bank already does this, and it's free.

A cross-bank tool like DoubleAM's generator is useful when you're collecting regularly: sending payment requests to different customers each day, wanting to send on WhatsApp in one tap, needing a consistent reference on every payment for matching, or generating QR codes by API for your own software. The bank's in-app QR works. What we remove is doing it by hand, across banks, one at a time.

If you're sending payment requests regularly and want them to go out on WhatsApp with one tap, try the free generator. No account needed. And if you want PayNow QR generation built into your own app or website, see our PayNow integration options.

Last updated: June 2026. Bank app steps are based on current versions of DBS digibank, UOB TMRW, and OCBC Digital as of this date. Steps may vary slightly with app updates.