What Is PayNow API Integration and How to Accept PayNow on Your Website

Unlike a card payment, which passes through a card network and a processor, PayNow moves money straight from the customer's bank to yours using their mobile number, NRIC, or UEN as the address. That's part of why it's so popular here — it's fast, it doesn't charge the customer anything, and most Singaporeans already have it set up on their banking app.

Figuring out how to accept PayNow on your website really comes down to three routes: a static QR code you display manually, a dynamic QR generated per transaction, or a full API integration that talks to your bank or a gateway provider directly. Which one makes sense depends on how much volume you're processing and whether you need everything to update automatically. If your website's checkout flow is already built, adding PayNow is usually a smaller job than people expect.

PayNow QR Code Integration for Singapore Businesses: Static vs Dynamic Codes

Most businesses start here, and it's worth understanding the difference before choosing one. A static QR code is generated once and stays the same forever — great for a small stall or invoice, but customers have to type in the amount themselves, which opens the door to mistakes.

A dynamic QR code, by contrast, is generated fresh for every transaction with the exact amount already built in. The customer scans, confirms, and pays — no typing, no room for error. For any website checkout, a dynamic setup is the only one worth building, since it's the version that actually confirms payment automatically on your end.

PayNow Payment Gateway Singapore: Where PayNow Fits Into Your Checkout Stack

PayNow on its own isn't a full payment gateway — it's a bank transfer rail. To use it on a website, it usually needs to sit inside a broader payment gateway setup alongside cards and wallets, so customers can choose whichever method they trust. Most Singapore-focused gateways bundle PayNow in as one option among several rather than as a standalone product, and that's genuinely the better approach for conversion, since not every customer wants to pay the same way.

PayNow API Documentation Guide for Singapore Developers: What to Build

If your team is building a custom integration rather than using a plugin, here's what actually shows up in the documentation and what it's for. Most Singapore banks tie the API to your business's UEN (Unique Entity Number), so your developer will need that on hand before requesting API credentials.

How to Add PayNow to Shopify and WooCommerce

If you're on a standard eCommerce platform, you likely won't need to touch the raw API at all. Here's how each platform typically handles it.

Add PayNow to Shopify

Shopify doesn't support PayNow natively, so it needs to come in through a payment app like HitPay or 2C2P installed from the Shopify App Store. Once connected, PayNow shows up as a payment option at checkout alongside your existing methods, with no code changes needed on your end.

Add PayNow to WooCommerce

WooCommerce works similarly through a dedicated plugin, most commonly from HitPay or a local payment aggregator. Install it, connect your business bank details, and PayNow appears in your checkout within minutes. This is one of the simplest routes if your site is already on managed WordPress hosting, since the plugin ecosystem does most of the heavy lifting.

Popular PayNow Integration Routes: HitPay, 2C2P, and PayNow Corporate

Once you're past the plugin stage, the real decision is which provider actually processes the PayNow transaction behind the scenes. Here's how the three most common routes compare.

HitPay PayNow Integration

HitPay is built specifically for Singapore and Southeast Asia, bundling PayNow with cards and GrabPay in one dashboard. It's the fastest route for local SMEs since setup is largely plug-and-play, with minimal developer time required.

2C2P PayNow Setup

2C2P is the stronger fit for larger or regional businesses, offering PayNow alongside a wider range of Southeast Asian payment methods. It takes a bit more setup time but scales better for higher transaction volumes.

PayNow Corporate Integration Singapore

This is the direct route — registering PayNow Corporate through your business bank account and integrating against the bank's own API, without a third-party gateway sitting in between. DBS, OCBC, and UOB all offer PayNow Corporate to businesses with a registered UEN, though the exact API documentation and onboarding process differs slightly by bank. It's usually the lowest-cost option long term, but it demands more development work upfront and less flexibility if you want to add other payment methods later.

PayNow for eCommerce and Mobile App Integration in Singapore

PayNow for eCommerce Singapore

Adding PayNow to an online store tends to reduce cart abandonment, since it removes the friction of entering card details on mobile. Paired with a properly optimised eCommerce checkout build, it's one of the easiest conversion wins available to a Singapore store right now.

PayNow Mobile App Integration

For apps, PayNow usually gets integrated through an SDK or by generating a dynamic QR code that the user's banking app scans directly from the screen. It's worth testing this thoroughly across both iOS and Android, since QR rendering and app-switching behaviour can differ between platforms — something a mobile app development team will typically catch during testing.

Secure PayNow Integration: Best Practices for 2026

Because PayNow moves money directly between banks, security here is less about encrypting card numbers and more about making sure your system only confirms an order once the payment has genuinely cleared.

PayNow Reconciliation Software: Keeping Your Books Accurate

This is the part people underestimate. Without automated matching, someone on your team ends up manually cross-checking bank statements against orders — which doesn't scale past a handful of transactions a day. PayNow reconciliation software matches incoming payments to the right order automatically using the reference number, flags anything that doesn't match, and feeds clean data into your accounting system. If you're processing more than a few PayNow payments daily, this stops being optional fairly quickly.

PayNow API Integration Cost in Singapore: What to Budget

Costs vary quite a bit depending on which route you take, so here's a realistic breakdown.

Inno Panda PayNow API Integration Services in Singapore

Inno Panda helps Singapore businesses add PayNow to their websites, stores, and apps the right way — properly tested, properly reconciled, and built to actually reduce checkout friction rather than just tick a box. Whether that's a quick eCommerce plugin setup or a full custom API build against PayNow Corporate, our team scopes the right route for your volume and budget rather than defaulting to the most expensive option. Once payments are sorted, most of our clients ask us to look at their SEO next, since a smooth checkout only helps once customers can actually find you.

Frequently Asked Questions About PayNow API Integration

The questions Singapore business owners actually ask before adding PayNow.