# Accept a PayNow payment Accept online payments with PayNow, a funds transfer service popular in Singapore. # Direct API PayNow is a [single-use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method. Customers use their preferred app from participating banks and participating non-bank financial institutions to scan the QR code presented to them in the checkout flow and complete the payment. This guide describes using Paynow in your online checkout flow. For in-person payments with Stripe Terminal, see [Additional payment methods](https://docs.stripe.com/terminal/payments/additional-payment-methods.md). ## Set up Stripe First, you need a Stripe account. [Register now](https://dashboard.stripe.com/register). Use our official libraries for access to the Stripe API from your application: #### Ruby ```bash # Available as a gem sudo gem install stripe ``` ```ruby # If you use bundler, you can add this line to your Gemfile gem 'stripe' ``` ## Create a PaymentIntent [Server-side] A [PaymentIntent](https://docs.stripe.com/api/payment_intents/object.md) is an object that represents your intent to collect payment from a customer and tracks the lifecycle of the payment process through each stage. First, create a PaymentIntent on your server and specify the amount to collect and the currency. [Enable PayNow](https://dashboard.stripe.com/settings/payment_methods) in your Dashboard to use [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md). ```curl curl https://api.stripe.com/v1/payment_intents \ -u "<>:" \ -d "automatic_payment_methods[enabled]=true" \ -d "payment_method_data[type]=paynow" \ -d amount=1099 \ -d currency=sgd ``` ### Retrieve the client secret The PaymentIntent includes a *client secret* (The client secret is a unique key returned from Stripe as part of a PaymentIntent. This key lets the client access important fields from the PaymentIntent (status, amount, currency) while hiding sensitive ones (metadata, customer)) that the client side uses to securely complete the payment process. You can use different approaches to pass the client secret to the client side. #### Single-page application Retrieve the client secret from an endpoint on your server, using the browser’s `fetch` function. This approach is best if your client side is a single-page application, particularly one built with a modern front-end framework such as React. Create the server endpoint that serves the client secret: #### Ruby ```ruby get '/secret' do intent = # ... Create or retrieve the PaymentIntent {client_secret: intent.client_secret}.to_json end ``` And then fetch the client secret with JavaScript on the client side: ```javascript (async () => { const response = await fetch('/secret'); const {client_secret: clientSecret} = await response.json(); // Render the form using the clientSecret })(); ``` #### Server-side rendering Pass the client secret to the client from your server. This approach works best if your application generates static content on the server before sending it to the browser. Add the [client_secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) in your checkout form. In your server-side code, retrieve the client secret from the PaymentIntent: #### Ruby ```erb
``` ```ruby get '/checkout' do @intent = # ... Fetch or create the PaymentIntent erb :checkout end ``` ## Display the PayNow QR Code [Client-side] In this step, you’ll complete PayNow payments on the client with [Stripe.js](https://docs.stripe.com/payments/elements.md). Include the Stripe.js script on your checkout page by adding it to the `head` of your HTML file. #### HTML ```html Checkout ``` Create an instance of Stripe.js with the following JavaScript on your checkout page. #### JavaScript ```js // Set your publishable key. Remember to change this to your live publishable key in production. // See your keys here: https://dashboard.stripe.com/apikeys var stripe = Stripe('<>'); ``` Use `stripe.confirmPayNowPayment` to confirm the payment on the client side. #### JavaScript ```js var form = document.getElementById('payment-form'); form.addEventListener('submit', function(event) { event.preventDefault(); // Set the clientSecret here you got in Step 2 stripe.confirmPayNowPayment( clientSecret, ).then((res) => { if(res.paymentIntent.status === 'succeeded') { // The user scanned the QR code } else { // The user closed the modal, cancelling payment } }); }); ``` After you call `confirmPayNowPayment`, the webpage displays a QR code. Your customers can scan the QR code and authenticate the payment using their preferred banking app or payment app. You should remain on the page with the QR code until Stripe [fulfils the order](https://docs.stripe.com/payments/paynow/accept-a-payment.md#fulfill-order) and you know the outcome of the payment. ## Fulfill the order [Server-side] Use a method such as [webhooks](https://docs.stripe.com/payments/payment-intents/verifying-status.md#webhooks) to handle order *fulfillment* (Fulfillment is the process of providing the goods or services purchased by a customer, typically after payment is collected), instead of relying on your customer to return to the payment status page. When a customer completes payment, the `PaymentIntent` transitions to `succeeded` and emits the [payment_intent.succeeded](https://docs.stripe.com/api/events/types.md#event_types-payment_intent.succeeded) *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) event. ## Test your integration While testing, you can scan the QR code with a QR code scanning application on your mobile device. The QR code payload contains a URL that redirects you to a Stripe-hosted PayNow test payment page where you can either authorise or fail the test payment. In live mode, you can scan the QR code using an app from participating banks and participating non-bank financial institutions.