Flat fee. No percentage, ever. Your money goes straight into your own bank — it never touches us.

For business owners

Want to send PayNow for your business? →

For developers & platforms

Need PayNow built into your app or systems? →

PayNow for Singapore businesses

Send PayNow. Get paid into your own bank.

Create a branded payment request in seconds. Send it on WhatsApp, embed it in invoices, or connect it to the tools you already use. Flat fee, no percentage cut, no third-party wallet to cash out — money goes straight into your own bank account.

Create a payment request See pricing

✓Money to your own bank

✓No percentage cut, ever

✓No hardware required

✓Live in minutes

Singapore business owner getting paid instantly with a PayNow QR code — money goes straight to their own bank

What you get

Everything you need to collect payments on PayNow

Keep every cent

PayNow pays directly into your bank account. No platform takes a percentage of what your customers send.

Look professional

A branded card with your business name and exact amount looks like a real payment request — not a rushed screenshot.

Know who paid

Set a reference — invoice number, order ID, customer name — so every payment is easy to match when it lands.

No hardware

No NETS terminal. No card reader. No monthly rental. Your phone and a QR code is all you need.

Send on WhatsApp

Generate a card and share it in your WhatsApp chat. Your customer scans from the image. Payment done.

Live in minutes

Enter your UEN or mobile number, hit generate. There is no approval process, no waiting period.

How it works

Three steps, then you're done

How PayNow QR collection works: create the request, send on WhatsApp, money lands in your bank

Generate your payment card

Enter your UEN or mobile, set the amount and a reference. Your branded card is ready in seconds.

Share it with your customer

Download the card and send it on WhatsApp, print it on a receipt, or embed it in an invoice.

Payment lands in your bank

Your customer scans and pays. The money goes straight into your own bank account — tagged with your reference so it's easy to match in the tools you already use.

Important

We never touch your money

PayNow works bank-to-bank. When your customer pays, the money moves from their bank directly to yours. We generate the QR code and the payment card — we are software, not a payment processor. We never hold funds, never settle on your behalf, and never take a percentage of what you receive.

Flat fee for tools and integrations. That is all.

Common situation

Paying a processor just to take PayNow?

PayNow is free. The banks built it to be free. But a lot of payment gateways still charge 0.4% to 1.3% on every transaction — even when your customer pays by PayNow. That percentage comes out of your margin, every single sale.

We are not a payment gateway. We are software that generates the QR and the branded card. Money goes from your customer's bank to yours — we are never in the middle.

See how we compare →