Overview

Each connected user on your platform will be assigned a unique QR code for PayNow transfers. Sender name screening is performed as part of our compliance checks on incoming payments.

This creates a secure and seamless experience for your users and makes it easy for your team to reconcile these transactions.

StraitsX supports two types of PayNow QR codes:

Step 1 — Create a PayNow QR Code

Choose the type that fits your use case.

Option A: Persistent PayNow

Create a persistent PayNow payment method to provide a reusable QR code. Users can make multiple payments to the same QR. Each user can have only one persistent PayNow payment method.

curl --request POST \
  --url https://api-sandbox.straitsx.com/v1/payment_methods/paynow \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-XFERS-APP-API-KEY: {{X-XFERS-APP-API-KEY}}' \
  --data '{
    "data": {
      "attributes": {
        "referenceId": "user_wallet_john_doe"
      },
      "relationships": {
        "customerProfile": {
          "data": {
            "id": "customer_profile_6972bb6a-2a5f-48dd-8ea7-2e07c50e94b3"
          }
        }
      }
    }
  }'

Option B: Dynamic PayNow

Create a dynamic PayNow payment to generate a unique QR code for a specific transaction. You specify the amount and expiry. Once paid, the QR cannot be reused.

curl --request POST \
  --url https://api-sandbox.straitsx.com/v1/payment_methods/paynow \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-XFERS-APP-API-KEY: {{X-XFERS-APP-API-KEY}}' \
  --data '{
    "data": {
      "attributes": {
        "referenceId": "order_12345",
        "amount": "50.00",
        "expiresAt": "2025-12-31T23:59:59+08:00"
      },
      "relationships": {
        "customerProfile": {
          "data": {
            "id": "customer_profile_6972bb6a-2a5f-48dd-8ea7-2e07c50e94b3"
          }
        }
      }
    }
  }'

Step 2 — Display PayNow QR code

Display the returned QR code to your user so they can scan it with their bank app.

Step 3 — Add callback URL

On a successful completion of a deposit transaction, StraitsX will send a callback notification to you via a callback URL indicated on the StraitsX Business Dashboard.

Step 4 — Make a PayNow Transfer

Step 4a: Sandbox environment

In the sandbox environment, you can initiate a mock PayNow transfer payment to test the transfer.

• Input a name under sourceBankAccountHolderName to simulate the sender's bank account name for testing.

curl --request POST \
  --url https://api-sandbox.straitsx.com/v1/sandbox/paynow_simulations \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-XFERS-APP-API-KEY: {{X-XFERS-APP-API-KEY}}' \
  --data '{
    "data": {
      "attributes": {
        "id": "paynow_5f46adf0-cd33-4a0a-b27a-be0bf61850fe",
        "amount": 50,
        "sourceBankAccountHolderName": "JOHN DOE",
        "endToEndRef": "paynow-ref-12345"
      },
      "relationships": {
        "customerProfile": {
          "data": {
            "id": "customer_profile_6972bb6a-2a5f-48dd-8ea7-2e07c50e94b3"
          }
        }
      }
    }
  }'

Step 4b: Production environment

To make a PayNow transfer payment, your users can deposit funds via their bank app by scanning the QR code generated in step 1.

Scanning QR Code example

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Step 5 — Confirm deposit has been received

When the payment is received, we will send a paymentStatusUpdated event callback to the URL indicated on the StraitsX Business Dashboard.

For sample payloads and detailed field descriptions, see Payment Callbacks.

Securing your callback

The callback can be verified using the HMAC-SHA256 algorithm.

Learn more about how to secure your callback →

Try it out!

Getting started with StraitsX APIs is easy. Our business development and integration teams will be with you every step of the way. If you have any questions or would like to connect with our team, please do so via Support!