Using PayNow for Your Home Business in Singapore

PayNow lets customers transfer money to you instantly using a linked mobile number or UEN, often by scanning a QR code. For a home-based seller it means a customer can pay you on the spot, with no card terminal and no waiting.

The one thing to get right is matching each payment to the right order — which is where a payment reference comes in.

Card payments carry processing fees, and every percentage point matters when your margins are thin. Because PayNow transfers go straight to you, you keep more of each sale.

The trade-off is admin: without a clear reference, a page of PayNow transfers can be hard to reconcile against your orders. A consistent reference turns that from a chore into a glance.

Kedai can show a PayNow QR to your customer at checkout and on their order confirmation, generated from your own PayNow details, so you receive the money directly.

It can also attach a reference — such as the order number or the customer’s name — so payments are easy to match back to orders. Storefront orders paid by PayNow keep close to the full amount, since Kedai charges a flat subscription rather than a cut of each sale.

Set up your PayNow details, then decide on one reference style — order number is a good default — and use it consistently.

Create a Kedai shop to show a PayNow QR at checkout and keep payments matched to orders.