PayNow (Singapore)
国家/地区: 新加坡 (SG) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 90%
PayNow 是新加坡金融管理局（MAS）与新加坡银行公会推行的国民级 24/7/365 即时跨行清算与 QR 扫码支付系统，在新加坡零售消费、电子政务与商家收单中占据近 90% 的绝对主导地位，以手机号/NRIC/UEN/QR 秒级转账、零手续费与零争议撤单风险为优势，广泛用于电商网购付款、线下扫码结账、账单支付及企业即时结算。
🔄 用户付款交互流 (User Flow)
- Customer selects PayNow at checkout and receives dynamic PayNow QR code or UEN reference
- Customer scans PayNow QR code using Singapore banking app (DBS, OCBC, UOB, GrabPay)
- Bank clears funds instantly in real-time across FAST clearing network
- Merchant receives real-time payment notification and releases order
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API requests payment session from acquiring gateway (Stripe / Adyen / HitPay)
- PSP issues payment token and dynamic PayNow QR payload
- PSP receives PayNow clearing webhook notification and confirms order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 2C2P🔌 Coda Payments🔌 Stripe🔌 Adyen