Comparison
Accept PayNow without a POS terminal
Do you need a POS system like Qashier to accept PayNow?
Qashier is a POS system built for retail and F&B. It bundles PayNow acceptance into a broader hardware-and-software stack — you need the terminal, the subscription, and you pay a transaction fee on top. That makes sense if you need a full POS.
If you just need PayNow — no terminal, no hardware, no monthly POS subscription — DoubleAM generates the QR and the branded card. Your customer scans, money goes from their bank directly to yours. No POS required. No hardware. No percentage fee.
If you already use a POS and like it, keep it. If you only need PayNow, you do not need a POS at all.
How they compare
| Feature | Qashier | DoubleAM |
|---|---|---|
| What it is | POS system with hardware | PayNow QR software |
| PayNow fee | ~0.8% + GST per transaction | Flat fee, no percentage |
| Hardware required | Yes — POS terminal | None |
| Where money goes | Settled T+1 via Qashier | Directly into your own bank account |
| Settlement speed | T+1 | Instant — bank-to-bank |
| Monthly subscription | Yes | Free tools: $0. API/Custom: flat fee. |
| Setup time | Hardware delivery + onboarding | Under 2 minutes |
In fairness: Qashier is a capable POS system for retail and F&B that does a lot more than PayNow — inventory management, table ordering, staff management, and more. If you need a full POS, evaluate it on those merits. If you only need PayNow, you are paying for a lot you do not need. Always verify current Qashier pricing directly at qashier.com.
You probably don't need a POS if…
You send invoices
Embed a PayNow QR directly in your PDF invoice. Your client scans and pays. No POS involved.
You use WhatsApp
Agree on an amount, generate the QR, send it in WhatsApp. Your customer scans from the image. Done.
You have one or two payment points
Print a PayNow QR at the counter. Customers scan. No terminal, no rental, no transaction fee.
Try the free tool now
No account needed. No hardware. Generate a branded PayNow card in under a minute.
Comparing all options? See our full fee comparison →
PayNow without the POS
No terminal, no hardware, no monthly POS subscription. Flat fee for the software. Money goes straight into your own bank.
Create a payment request