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, AntomHK, AntomUK, AntomUS, AntomEU	Merchant entity location	SG, HK, UK, US, EEA
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:

Web

App

1. The buyer selects PayNow to pay at the merchant checkout page.
2. The buyer is redirected to the Antom checkout page, where a generated PayNow QR code is displayed.
3. The buyer opens the desired bank or digital wallet app and navigates to the QR code scanning function.
4. The buyer scans the QR code.
5. The buyer completes the authorization and confirms the payment.
6. The buyer manually switches back to the merchant page to check the payment result.

1. The buyer selects PayNow to pay at the merchant checkout page.
2. The buyer is redirected to the Antom checkout page, where a generated PayNow QR code is displayed. The buyer can take a screenshot to save the QR code image.
3. The buyer opens the desired bank or digital wallet app and navigates to the QR code scanning function.
4. The buyer selects the saved QR code image for scanning.
5. The buyer completes the authorization and confirms the payment.
6. The buyer manually switches back to the merchant page to check the payment result.

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
One-time Payments	✔️ API-only ✔️ Hosted Checkout Page ✔️ Embedded Checkout Page ✔️ Web Element ✔️ Mobile Element ✔️ Payment links
Tokenized Payment	❌
Subscription Payment	❌
EasySafePay	❌
Scan to Link	❌