Reduce Payment Friction and Avoid Unnecessary Gateway Fees
Integrate dynamic PayNow QR generation into your digital system so the exact amount, payment reference, and payee account are created automatically.
Data Capture, Data Distribution
“A practical way for Singapore businesses to collect large-value local payments with fewer errors and much lower fee drag than third-party gateways.”
Keep more of each payment, and make the process smoother
Why this matters?
Manual PayNow collection creates two hidden costs: extra admin work and avoidable fee drag. Customers may still need to enter references, send screenshots, or wait for manual confirmation, while larger payments can become expensive when routed through third-party gateways with percentage-based fees. Dynamic PayNow QR helps your business keep more of each payment and improve the collection process at the same time.
For large local payments, processing fees can add up fast. A car downpayment, wedding banquet deposit, or business invoice can lose hundreds or even thousands in avoidable charges before the money reaches you.
Here’s what that looks like in a few common scenarios.
| Scenario | Amount | Gateway fee @ 3.3% + S$0.50 | PayNow @ 0.25% | Savings |
| Car downpayment | S$50,000 | S$1,650.50 | S$125.00 | S$1,525.50 |
| Wedding banquet / deposit | S$100,000 | S$3,300.50 | S$250.00 | S$3,050.50 |
| Business invoice / service payment | S$30,000 | S$3,300.50 | S$75.00 | S$915.50 |
The bigger the payment, the bigger the savings. With a simpler way to collect funds locally, you keep more of each transaction and make the process smoother.
Integrate PayNow to Your System… Holistically
How Businesses Usually Use PayNow
Scan PayNow QR Code
Customer retrieves payment account detail by scanning a code or sometimes manually entering a contact number or UEN number.
Enter Payment Details in Remark
They have to leave a remark stating their reference number so that merchants can easily know what the payment is for.
Screenshot as Proof
Customer have to screenshot their payment as proof and send it to a contact number or email address that they need to type out manually AGAIN.
Error Prone Usage
Sometimes customers can make mistakes with their input, causing additional hassle and impacting service delivery.
How Dynamic PayNow QR Works*
Scan PayNow QR Code
Customer scans a dynamically created PayNow QR code that has all details of payment automatically prefilled according to order.
... and that's it!
Let our integration automate your business processing, maximise your efficiancy and increase your customer satisfaction.
Enhancing the reliability and ease of use to identify and tag the right PayNOW payment to the right order means your business enjoys:
Less error prone
Uses less processing time
Has less steps to take
Increases customer satisfaction
*The solution may vary as it is dependant on the existing systems you currently used for your transactional, accounting and sales needs.
How We Can Help
With our experience and knowledge, Aria Data Labs can help your business’s integration with the enhanced PayNow dynamic QR code generation.
1. Understanding Your Business Process
Our consultant will first discuss with you about your system, and the data you need to achieve your business goals.
2. Design the User Journey and Experience
We can provide design proposals that can increase trust, service experience and satisfaction.
3. Advice on Data Protection and Security
Analysing your current data protection and security (and measures to enhance it) can increase your customers’ trust.
4. Integrate the PayNow QR code generation to your system
The new system will have PayNow as one of the central transaction points. However, it is also possible to integrate other third party solutions into the revamped system as well.
5. Provide Service Support Post-Integration
Our service includes post-integration support and monitoring to ensure that your system runs smoothly with the new integration!
Aria Data Labs Pte Ltd
Level 39, 10 Marina Blvd,
Tower 2 Marina Bay Financial Centre,
Singapore 018983 (by appointment)
(65) 6725 6313