PayNow
PayNow is Singapore‘s real time payment network, which allows users to do instant money transfer using their mobile number, Singapore National Registration Identity Card (NRIC), and Foreign Identification Number (FIN). This QR payment method is currently very popular and familiar to shoppers, and is also cost-saving for merchants, as its cost is generally lower than cards in Singapore.
Properties
The properties of the PayNow payment method are shown in the following table:
Payment type | Real-time payment | ||
Acquirer | AntomSG, AntomUK, AntomUS, AntomEU | Merchant entity location | SG, HK, UK, US, EU |
Payment flow | Code-scanning | Refund | ✔️ |
Buyer country/region | Singapore | Partial refund | ✔️ |
Processing currency | SGD | Chargeback/Dispute | ❌ |
Minimum payment amount | 0.01 SGD | Refund period | 60 days |
Maximum payment amount | 200,000 SGD | Time to return payment result | Real-time |
| Default timeout | 14 minutes | ||
User experience
Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.
The following screenshots show the journey of paying with PayNow on different terminals:
Supported online payment integrations
Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:
Supported online payments | Supported integrations | Payment method manual |
Checkout Payment | ✔️ APIs-only ❌ Mobile Element ❌ Web Element ✔️ Pay By Link | |
Auto Debit | ❌ | None |
Subscription Payment | ❌ | None |
EasySafePay | ❌ | None |
Scan to Link | ❌ | None |