Antom, leading provider of tailored payment solutionsAntom, leading provider of tailored payment solutions

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 timeout14 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:

paynow1.png

  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.

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

Auto Debit

❌

Subscription Payment

❌

EasySafePay

❌

Scan to Link

❌