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Create a PayNow QR for a Singapore mobile number or UEN

Generate a PayNow-compatible SGQR payload from a registered Singapore mobile proxy or company UEN, with optional SGD amount and reference.

  • Mobile or UEN proxy
  • Optional SGD amount
  • EMVCo TLV and CRC

Learn more

Why use PayNow / SGQR instead of asking the payer to type everything?

A PayNow QR prevents customers from retyping a mobile number or UEN and can prepare the SGD amount. Their banking app still resolves the registered proxy and shows the recipient before authorization.

Reduce proxy entry mistakes

Scan an eight-digit mobile proxy or business UEN instead of typing it.

Prepare the SGD value

A fixed amount helps at counters and on invoices.

Add a payment reference

Carry a short order reference for the payer and recipient.

Inside the QR code

What is stored in a PayNow / SGQR payment symbol?

PayNow data is embedded in an EMVCo merchant-presented SGQR structure with the GUI SG.PAYNOW. The proxy type identifies a mobile number or UEN.

The proxy must already be registered

A valid number or UEN is not enough; it must be linked through a participating bank or non-bank financial institution.

Mobile numbers are normalized

An eight-digit Singapore number beginning 8 or 9 is encoded with the +65 country code.

UEN identifies a business

Use the exact 9- or 10-character UEN registered for PayNow Corporate.

Amount editability is declared

The payload tells the app whether the payer is expected to enter an amount or use the prepared SGD value.

CRC detects payload changes

The checksum protects structure, not account ownership.

PayNow payload example

Mobile 91234567 · SGD 25.00 · ORDER-1042 — 00020101021226...0009SG.PAYNOW...5303702540525.00...6304 — A compatible Singapore banking app resolves the PayNow proxy and displays the transfer.

Check before publishing

  • Use a Singapore mobile beginning with 8 or 9.
  • Confirm the proxy is registered for PayNow.
  • For UEN, copy the exact registered identifier.
  • Use an expiry date only for a UEN payload.
  • Keep the reference short.
  • Verify the recipient name in the banking app.

Checks to make before publishing a PayNow / SGQR code

Test the proxy resolution and make the intended recipient visible next to public payment signs.

Choose personal or corporate proxy

Use mobile for an eligible personal registration and UEN for PayNow Corporate.

Check registration in the bank app

Do not infer registration from number format.

Decide whether amount is editable

Omit it for a reusable code or prepare it for one price.

Use a useful reference

Add an order or invoice label that the recipient can recognize.

Test before display

Confirm resolved recipient and SGD amount in a participating app.

Features

Features

Scheme-specific validation

Account identifiers, amount formats, references and field lengths are checked for the selected payment standard.

Generated locally

The payment payload and barcode are created in the browser; the generator does not move money or register an account.

PNG and SVG exports

Download a raster image for everyday use or a scalable vector for invoices and high-quality print.

Protected fixed formats

Standards with prescribed rendering disable incompatible color, logo, shape and error-correction controls.

Optional payment context

Where the scheme permits it, prepare an amount, reference, due date or message to reduce payer entry.

Verification remains visible

The workflow reminds the payer to compare the beneficiary and amount in a compatible banking app.

Advantages & Limitations

Advantages

  • Fast Singapore dollar transfers.
  • Supports personal mobile and corporate UEN proxies.
  • Optional amount and reference.
  • Compatible with participating SGQR/PayNow apps.

Limitations

  • Proxy must be pre-registered.
  • Does not create a merchant account.
  • Expiry support is limited to relevant corporate payloads.
  • Cannot confirm settlement.

How PayNow / SGQR works

Create, scan and verify a PayNow / SGQR payment

A PayNow QR prevents customers from retyping a mobile number or UEN and can prepare the SGD amount. Their banking app still resolves the registered proxy and shows the recipient before authorization.

Choose mobile or UEN

Enter the proxy already registered for PayNow.

Add SGD and reference

Prepare optional payment details.

Resolve in a banking app

Verify recipient before publishing.

Use cases

Use cases

Local services

Share a registered mobile PayNow proxy.

Company invoices

Use UEN, amount and order reference.

Retail counters

Prepare a fixed or reusable SGD code.

Collections

Let participants scan instead of copying a proxy.

Frequently asked questions

Can any Singapore mobile number receive PayNow?

No. The number must already be registered as a PayNow proxy.

What is UEN?

It is Singapore's Unique Entity Number used by registered businesses and other entities.

Is this an official SGQR label image?

It creates the payment payload, not the full branded SGQR label issued through an acquirer.

Can I verify payment here?

No. Check the receiving account or provider records.

Create a PayNow / SGQR payment code

Create the PayNow payload and confirm its proxy resolution in a participating Singapore banking app.

Create a PayNow QR