# PayNow payments

Learn about PayNow, a popular payment method in Singapore.

PayNow is a Singapore-based payment method that allows customers to make payments using their preferred app from participating banks and non-bank financial institutions.
Payment method family: Real-time payments
Usability: Single-use
Access type: Instant provisional access
Payment confirmation timing: Immediate
Settlement timing: Standard payout schedule
Pricing: https://stripe.com/zh-sg/pricing/local-payment-methods#paynow
## Payout timing 

Funds become available in your Stripe balance 1 day after the transaction. Payouts then follow the payout schedule set on your Stripe account.

For example, a payment completed on Wednesday becomes available in your Stripe balance on Thursday. On an automatic daily payout schedule, the funds are paid out on Thursday. On a weekly Monday payout schedule, the funds are paid out the following Monday.

## Eligibility and availability 

### Account eligibility
Business location: SG
Account type: ✓ Merchant, ✓ Platform or marketplace (Connect)
Business model: ✓ B2B, ✓ B2C
Business category: View list of prohibited and restricted business categories
View PayNow’s [prohibited and restricted business categories](https://docs.stripe.com/payments/paynow.md#prohibited-and-restricted-business-categories).

Review the list of *merchant category codes* (A Merchant Category Code (MCC) is a four-digit number that classifies the type of goods or services a business offers) that are prohibited or restricted for PayNow.

- **Prohibited**: You can’t use this payment method with these MCCs.
- **Restricted**: You might be able to use this payment method with these MCCs, but you must provide additional information when you create the account.

| MCC | Description | Type |
| --- | --- | --- |
| 5172 | Petroleum and Petroleum Products | Prohibited |
| 5541 | Service Stations | Prohibited |
| 5542 | Automated Fuel Dispensers | Prohibited |
| 5983 | Fuel Dealers (Non Automotive) | Prohibited |

Stripe accounts in the following countries can accept PayNow payments that settle in a supported currency.

APAC: SG

Customers in the following countries can use PayNow.

APAC: SG

### Payment support
Customer location: SG
Presentment currency: SGD
Geographic coverage: ✓ Domestic, ✗ Crossborder
Transaction limits: Minimum amount: 0.50 SGD

Maximum amount: 200,000.00 SGD
[PayNow’s prohibited and restricted business categories](https://docs.stripe.com/payments/paynow.md#prohibited-and-restricted-business-categories) apply in addition to [Stripe’s prohibited and restricted business categories](https://stripe.com/restricted-businesses).

## Capabilities 
Recurring payments: ✗ Not supported

Payment authorizations:
  ✗ Extended authorizations
  ✗ Flexible extended authorizations
  ✗ Incremental authorizations
  ✗ Decremental authorizations
  ✗ Re-authorizations

Payment captures:
  ✗ Manual capture
  ✗ Partial capture
  ✗ Multi-capture
  ✗ Over-capture

Refunds:
  ✓ Partial refunds
  ✓ Full refunds
  Submission window: 90 days
  Processing time: 5 minutes

Disputes:
  ✗ Partial disputes
  ✗ Full disputes
### Refunds 

PayNow requires that you submit a refund within 90 days from the original payment using the [Dashboard](https://dashboard.stripe.com/payments) or [Refunds API](https://docs.stripe.com/api/refunds/create.md). This is the maximum the payment method allows. Your return policy determines what you offer customers.

Refunds for PayNow payments are asynchronous and take up to 5 minutes to complete. You can’t cancel PayNow refunds.

#### Refund process 

After you submit a PayNow refund, its status is `pending` while PayNow processes it asynchronously. Use the refund status to track completion.

#### Tracking refunds 

To check a refund’s status, open the payment in the [Dashboard](https://dashboard.stripe.com/payments) and click **View details** on the refund entry. You can also [retrieve the Refund object](https://docs.stripe.com/api/refunds/retrieve.md) and check its `status` field.

Stripe notifies you of the final status through a `refund.updated` or `refund.failed` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) event. [Verify webhook signatures](https://docs.stripe.com/webhooks.md#verify-events) to confirm that events came from Stripe. You can also use Stripe’s [public IP addresses](https://docs.stripe.com/ips.md) for network allowlisting. When a refund succeeds, the [Refund object](https://docs.stripe.com/api/refunds/object.md) status changes to `succeeded`. If the refund fails, the status changes to `failed` and Stripe returns the amount to your Stripe balance. You must refund the customer using another method.

### Disputes 

PayNow doesn’t support the standard dispute process, because the authentication of each payment through a separate app makes the fraud risk very low. Customers can’t file a chargeback, and funds are never withdrawn from your Stripe balance because of a dispute.

## Stripe product support 
Checkout UIs:
  ✓ Full page (Recommended)
  ✓ Payment Links
  ✓ Embedded form
  ✓ Payment Element
  ✗ Express Checkout Element
  ✗ Payment Method Messaging Element
  ✓ In-app payments

Products:
  ✗ Managed Payments
  ✓ Billing
  ✓ Invoicing
  ✗ Customer Portal
  ✗ Radar
  ✓ Terminal
  ✓ Connect

APIs:
  ✓ Checkout Sessions (Recommended)
  ✓ Payment Intents
  ✗ Payment Intents with setup_future_usage
  ✗ Setup Intents
  ✗ Off-session payments

1. Only supports send_invoice collection method.
Checkout doesn’t support PayNow in subscription mode or setup mode. Invoices and subscriptions only support the [send_invoice](https://docs.stripe.com/api/invoices/object.md#invoice_object-collection_method) collection method for PayNow.

### Get started 

You don’t have to integrate PayNow individually. Enable PayNow and other payment methods in your [payment method settings](https://dashboard.stripe.com/settings/payment_methods), then build your payment integration:

- [Checkout](https://docs.stripe.com/checkout/quickstart.md): Our prebuilt, hosted checkout page.
- [Elements](https://docs.stripe.com/payments/quickstart.md): Our drop-in UI components.

You can also add PayNow manually when creating [invoices](https://docs.stripe.com/invoicing/no-code-guide.md), [Payment Links](https://docs.stripe.com/payment-links.md), and [subscriptions](https://docs.stripe.com/billing/subscriptions/overview.md) in the Dashboard.

### Billing and invoicing 

Use [Stripe Billing](https://stripe.com/billing) to create subscriptions and invoices that support PayNow. PayNow doesn’t support [automatically charging](https://docs.stripe.com/invoicing/automatic-charging.md) invoices, so you must configure invoices and subscriptions with the `send_invoice` [collection method](https://docs.stripe.com/api/invoices/object.md#invoice_object-collection_method).

### Manual payment method selection, including Terminal 

If needed, you can [manually configure PayNow](https://docs.stripe.com/payments/paynow/accept-a-payment.md). To [accept in-person PayNow payments with Terminal](https://docs.stripe.com/terminal/payments/additional-payment-methods.md), you must manually list PayNow.

> PayNow payments in Terminal are in public preview.

### Connect 

A [Connect platform](https://docs.stripe.com/connect.md) can process PayNow payments for connected accounts. PayNow supports all [Connect charge types](https://docs.stripe.com/connect/charges.md#types).

When using PayNow in a Connect integration, consider the following:

- You need to turn on PayNow in your platform’s [payment method settings](https://dashboard.stripe.com/settings/payment_methods) and [request](https://docs.stripe.com/connect/account-capabilities.md#requesting-unrequesting) the `paynow_payments` capability for connected accounts that accept PayNow payments.
- Stripe and PayNow use [merchant category codes (MCCs)](https://docs.stripe.com/connect/setting-mcc.md) to identify connected accounts in PayNow’s [prohibited business categories](https://docs.stripe.com/payments/paynow.md#prohibited-and-restricted-business-categories). Make sure that you set correct MCCs for your connected accounts that don’t use the full Stripe Dashboard.
- The [charge type](https://docs.stripe.com/connect/charges.md) determines whether the platform or connected account is the [merchant of record](https://docs.stripe.com/connect/merchant-of-record.md) for a payment. The merchant name displayed on the PayNow website or app reflects the merchant of record.

## Customer experience 

#### 1. Choose PayNow

The customer selects PayNow at checkout. Stripe displays a PayNow QR code for the payment.

#### 2. Open a participating bank or payment app

If using a computer, the customer scans the QR code with a participating app on their phone. On mobile, the customer saves an image of the QR code, then opens a participating app and uploads the saved image.

#### 3. Authorize the payment

The customer reviews and authorizes the payment in their bank or payment app. They must authorize the transaction within 1 hour, or it expires.

#### 4. Receive payment confirmation

After authorization succeeds, Stripe receives confirmation and informs the customer, then processes the payment.

#### 5. Restart after expiration

If the QR code expires, the customer must return to the payment page and start a new payment, which generates a new QR code.

#### 6. Attempt to reuse a completed QR code

After a successful payment, PayNow rejects further attempts to use the same QR code. If a QR code is rejected, the customer can investigate by checking the notifications from their bank or payment app.

Customers complete PayNow payments with [a participating bank or payment app](https://www.abs.org.sg/consumer-banking/pay-now).

### QR code expiration 

PayNow QR codes are valid for 1 hour. If the customer doesn’t authorize a payment within 1 hour of generating its QR code, the code expires. Attempting to use an expired QR code fails with the `payment_intent_payment_attempt_expired` error code.

Use a webhook to return the customer to the payment page after the QR code expires. The customer must start a new payment session, which creates a new `PaymentIntent` and QR code.

### Repeated payment attempts 

After a PayNow payment successfully completes, further attempts to use its QR code are rejected. Rejection behavior varies by bank and payment app. If a customer contacts you about a repeated payment attempt, advise them to check the notifications from their bank or payment app.

### Statement descriptors 

Customers see `STRIPE PAYMENTS SINGAPORE PTE. LTD.`, the payment amount, and a Stripe-generated reference on their bank statement and in their bank or mobile-app payment details.

PayNow doesn’t support customized statement descriptors, so Stripe ignores the `PaymentIntent`’s [statement_descriptor](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-statement_descriptor). You can retrieve the Stripe-generated reference from [charge.payment_method_details.paynow.reference](https://docs.stripe.com/api/charges/object.md#charge_object-payment_method_details-paynow-reference).

For Connect payments, the [charge type](https://docs.stripe.com/connect/charges.md) determines whether the merchant name shown in the customer’s app flow reflects the platform or the connected account.

## Enable PayNow 

If you use Stripe front-end products, enable PayNow in your [payment method settings](https://dashboard.stripe.com/settings/payment_methods). Stripe automatically determines which payment methods are most relevant to each customer.

If your integration lists payment methods manually, learn how to [configure PayNow as a payment method](https://docs.stripe.com/payments/paynow/accept-a-payment.md).