Desktop/Mobile Website Browser 

PayNow

A quick introduction to the essential dev tools for building with Airwallex

Developer Essentials

Explore the flexibility and power of Airwallex APIs

Quickly and securely integrate with Airwallex products using Airwallex SDKs

SDKs

Learn how to receive push notifications via webhooks

Webhooks

Use Airwallex's sandbox environment to simulate transactions before going live

Sandbox environment

Accept PayNow on your website by redirecting shopper to payment instruction page. 

See checkout process below:

1. The shopper chooses to check out with PayNow
2. The shopper opens their bank app to scan the QR code displayed by the merchant to make payment*
3. The shopper clicks Next button and confirm the payment details**
4. The payment succeeds and the shopper is redirected back to merchant website upon completing payment

*For Mobile Checkout flow: the shopper need to save QR code generated in moblie’s photo gallery, and then relaunch own bank app and scan QR code to pay

**Unable to support dynamic descriptor to display merchant individual company name at the payment details. The shopper will see “Razer Merchant Services (SG) Pte Ltd“

Step 1. Initialize a payment Intent

Step 2. Redirect to payment instruction page to complete payment

![Paynow logo](//images.ctfassets.net/c3n7jozh84hr/2A5qlS6JkUsOyFVPzQ0KlK/22b497afd71030ef1a44a52394b15027/______2022-06-30_11.03.43.png)

PayNow is a popular instant bank transfer network in Singapore. It allows the shoppers to make a payment using their preferred app from participating banks and participating non-bank financial institutions.

Supported banks/ non-bank financial institution list: [PayNow Singapore](https://abs.org.sg/consumer-banking/pay-now) 

Reach Singapore shoppers with PayNow

| Features     | PayNow |
| ---------- | ---------- |
| Payment type | Instant Bank Transfer |
| Available for businesses registered in | HK, CN, AU, UK, EU, SG, US, NZ, MY |
|Activation time for onboarding|Instant|
| Shopper regions (typically used by payers from) | SG |
| Processing currencies | SGD |
| Settlement currencies | SGD, or in your default settlement currency if your account does not support the above settlement currencies.|
| Settlement schedule | T+1 calendar day|
| Minimum transaction amount | 0.5 SGD |
| Maximum transaction amount | 200,000 SGD, subject to internet banking limit |
| Session timeout | 10 minutes |
| Recurring Payment | ⛔|
| Refunds | ✅ within 90 days |
| Partial Refunds | ✅ within 90 days|
| Disputes (chargebacks) | ⛔ |
| Placing a hold (delayed/manual capture) | ⛔ |
| Descriptor (what the payer will see in their transaction history) | SG legal entity: Your registered business name <br> Non-SG legal entities:  “Airwallex” will be appended before your business name in this format “Airwallex + your registered business name”   |
| [Payments for Platforms](https://www.airwallex.com/docs/payments-for-platforms__overview) support | ✅ |

SGD settlement is enabled by default. If you need USD settlement, please reach out to your Airwallex account manager or support@airwallex.com.

Payment method properties

Airwallex has built a range of client-side integration methods that allow you to manage your UI, minimize your implementation effort, and allow you to get to market quickly. 
<head>
  <base target="_blank">
</head>
<table>
  <thead>
    <tr>
       <th>Online payments via your own website/app</th>
       <th>Online payments via ecommerce plugins</th>
       <th>Payment links & Invoice Integrations</th>
    </tr>
  </thead>
  <tbody>
        <tr>
<tr>
  <td>✅ Hosted Payment Page<br>✅ Drop-in Element<br>✅ Embedded Elements<br>✅ Mobile SDK<br>✅ Native API<br>⛔ Subscription APIs</td>
  <td>✅ Shopify<br>✅ WooCommerce<br>✅ Shopline<br>⛔ ShopLazza<br>✅ Magento</td>
  <td>✅ Payment Links<br>⛔ Xero Invoice</td>
</tr>
</tbody>
  </table>

Choose the integration method that best suits your needs

![image-20250805-083621](//images.ctfassets.net/c3n7jozh84hr/49HtMPl4QXSoSzRVc1IpTd/5cc2563e189891d02e2b0421538f5ea6/image-20250805-083621.png)

Payer experience

docsLogo

Dedicated Account per Payment 

Dedicated Account per Customer

Accept bank transfer payments

Bank transfer - BETA

Native Merchant Risk RFI API

Naver Pay recurring payments

Desktop Website Browser - Naver Pay

Mobile Website Browser - Naver Pay

Naver Pay - BETA

Desktop/Mobile Website Browser

Install the Bigcommerce App

Enable and Configure Payment Methods

Multi-Channel Support

BigCommerce

Enable Embedded Klarna, Afterpay and Wechat

Install Airwallex Online Payments app

Billing

Issuing

Guest user checkout

Registered user checkout

Place a hold on a payment method

3D Secure authentication

Enhance fraud protection with comprehensive payment data

Device fingerprinting

Cancellations

Refunds

Network Tokenization

Card Account Updater

Error response codes

Native API

 Account

Charges

Connected Account Transfers

Connections

Conversions

Deposits

Direct debit payouts

Global Accounts

Balance

Linked Accounts

Online Payments

Platform

 Transfers

Payload examples

Account capability

Account status

Funds Split

Online payments

PSP Agnostic

Transfers

Event types

PayPal recurring payments

Desktop/Mobile Website Browser - PayPal

PayPal

Sandbox environment overview

Application fees

Transfer statuses (older versions)

Handle RFIs

Retrieve supported beneficiary banks

Using API and form schemas

Connected Account Console

Cash App Pay Disputes

Currency precision

Desktop/Mobile Website Browser - Cash App Pay

Cash App Pay - BETA

Dispute flow

Handle disputes on the Airwallex web app

Handle disputes using our APIs

Dispute response best practices

Pre-chargeback programs

Dispute notifications

Afterpay / Clearpay Disputes

Klarna Disputes

Disputes

Dispute Flow

Handling Disputes

Customization options

Upgrade to Airwallex.js

Airwallex.js

Pakistan

Nepal

Chile

Bolivia

Tanzania, United Republic of

Trinidad and Tobago

Tunisia

Seychelles

Serbia

Qatar

Nicaragua

Kazakhstan

Kuwait

Kyrgyzstan

Jordan

Jamaica

Honduras

Guyana

Guatemala

Georgia

Algeria

Dominican Republic

Costa Rica

Belize

Bahamas

Barbados

Bosnia and Herzegovina

Azerbaijan

Oman

Fiji

Iceland

Mauritius

Albania

Armenia

Martinique

Ghana

Test your integration

Simulate RFI sessions

Risk

Simulate cardholder status transition

Simulate transactions on issued cards

Simulate transfer status transition

Payouts

Simulate payment disputes

Simulate shopper action

Payments

Simulate Linked Account and DD mandate status transition

Simulate deposits to your Global Account

Simulate connected account status transition

Simulate account amendment status transition

Connected accounts

Install Airwallex Sales Order App

View transactions

Australia (AU_BECS_DEBIT)

Australia (AU_PAYTO_DEBIT)

United States (US_ACH_DEBIT)

United States (US_FEDWIRE_DEBIT)

United Kingdom (GB_BACS_DEBIT)

Europe SEPA (EU_SEPA_DEBIT)

Canada (CA_EFT_DEBIT)

Hong Kong (HK_FPS_DEBIT)

Singapore (SG_EGIRO_DEBIT)

New Zealand (NZ_BECS_DEBIT)

Review direct debit mandate requirements

Powerful and flexible APIs to programmatically manage your money

Platform APIs

APIs and components to build your own global financial products.

Embedded Finance Use Cases

Programmatically create accounts and onboard customers

Connected Accounts icon

Programmatically create connected accounts for businesses and individuals, and enable them with rich financial capabilities.

Overview

Connected Accounts

How connected accounts work

Supported regions

Get started

Manage accounts

Move funds

Accounts icon

Open and manage global accounts at scale in 20+ currencies.

Accounts

Supported regions and currencies

Receive funds

Process payouts

Test and go live

Accept one-time and recurring payments, with like-for-like settlement for multiple currencies

PaymentsActive

PaymentsNormal

Accept payments from your customers around the world with cards and 160+ alternative payment methods. 

Features	PayNow
Payment type	Instant Bank Transfer
Available for businesses registered in	HK, CN, AU, UK, EU, SG, US, NZ, MY
Activation time for onboarding	Instant
Shopper regions (typically used by payers from)	SG
Processing currencies	SGD
Settlement currencies	SGD, or in your default settlement currency if your account does not support the above settlement currencies.
Settlement schedule	T+1 calendar day
Minimum transaction amount	0.5 SGD
Maximum transaction amount	200,000 SGD, subject to internet banking limit
Session timeout	10 minutes
Recurring Payment	⛔
Refunds	✅ within 90 days
Partial Refunds	✅ within 90 days
Disputes (chargebacks)	⛔
Placing a hold (delayed/manual capture)	⛔
Descriptor (what the payer will see in their transaction history)	SG legal entity: Your registered business name Non-SG legal entities: “Airwallex” will be appended before your business name in this format “Airwallex + your registered business name”
Payments for Platforms support	✅