Make a PayNow QR for your number or UEN, or check one before you pay. All in your browser, nothing sent.
Someone showed you a QR, or sent you one? See who it pays, how much, and whether it adds up, before you pay.
A PayNow QR is just a line of text, read by your bank app. It’s a row of fields, each one a two-digit ID, a two-digit length and the value. So 000201 is ID 00, 2 characters long, value 01.
| Field | ID | Example | Reads as |
|---|---|---|---|
| Format | 00 | 000201 | version 01 |
| One or many | 01 | 010211 | 11 many payments, 12 one |
| PayNow | 26 | 2638 0009SG.PAYNOW 01010 0211+6591234567 03011 | pays +65 9123 4567, amount can change |
| Currency | 53 | 5303702 | SGD |
| Amount | 54 | 540512.50 | $12.50 |
| Name | 59 | 5902NA | no name given |
| Checksum | 63 | 6304 + 4 hex digits | CRC-16 |
The fields are from the Association of Banks in Singapore’s PayNow QR Specifications (v1.3), built on EMVCo’s merchant-presented QR spec: the checksum is CRC-16/CCITT-FALSE (polynomial 1021, starting FFFF) over the text, 6304 included (EMVCo 4.7.3). The QR is drawn with qrcode-generator; photos are read with your browser’s barcode reader, or jsQR. See also ABS: PayNow.
Yes, with any Singapore bank or wallet app that scans PayNow QRs, as long as the mobile number or UEN is registered for PayNow. The app looks the number up and pays the account it’s linked to.
The QR still gets made, but the payer’s app will say it can’t find the recipient. Register the number or UEN in your own bank app first, then scan your QR to check it shows your name.
It only holds your number or UEN, the same as telling someone “PayNow me”. Nobody can take money with it. The risk is the other way: someone could stick their own QR over yours, so check your QR once in a while.
Scan it here, or in your bank app, and look at the name the bank app shows before you confirm. That name comes from PayNow’s records. The name typed into the QR doesn’t, and anyone can type anything there.
PayNow’s spec says a QR with no amount has to let the payer key one in, so the “can change” tick stays on until you put an amount.
No. The QR is made in your browser: the number isn’t sent to us or anyone else, and it never goes into the page’s address. Photos you check are read in your browser too.
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