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PayNow QR payment is a convenient and popular method in Singapore that allows customers to make payments by scanning a QR code using their mobile banking app. Once the payment is completed, the business receives instant confirmation, streamlining the transaction process and enhancing customer satisfaction.

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Integrating on your website / application

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Step 1: Create a payin

Tazapay uses a payin object to represent your intent to collect a payment from your customer. The payin object tracks state changes from paynow qr creation to payment completion.
Create a payin on your server with an amount, invoice_currency SGD and a transaction_description using the create payin API A payin is created with the status requires_payment_method.

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Sample cURL

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin \
     --header 'accept: application/json' \
     --header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
     --header 'content-type: application/json' \
     --data '
{
  "invoice_currency": "SGD",
  "amount": 10000,
  "transaction_description": "1 X Goods",
	"webhook_url": "https://webhook.site/ref8y92937922"
}
,

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Step 2: Confirm a payin

Confirm the payin created in step 1 using the confirm payin API. Upon confirmation of the payin, a QR code is generated to display to your customer. The status of the payin moves to requires_action The following sub-fields can be passed in payment_method_details

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Sample cURL

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin/pay_uiabfuiahfanwofihwnwon/confirm \
     --header 'accept: application/json' \
     --header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
     --header 'content-type: application/json' \
     --data '
{
  "customer_details": {
    "name": "Andrea Lark",
    "email": "andrea.lark@me.com",
    "country": "SG"
  },
  "payment_method_details": {
    "type": "paynow_sgd"
  }
}
'

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Combining Steps 1 and 2 into a single step

Instead of making 2 API calls, you can also combine steps 1 and 2 into a single API call. To do so, pass the parameters in both the create payin and confirm payin endpoints to the create payin API. Also, pass the following field
FieldtypeMandatory (Y/N)Description
confirmbooleanYTo confirm the payin along with creation

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Sample cURL

curl --location 'https://service-sandbox.tazapay.com/v3/payin' \
--header 'accept: application/json' \
--header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
--header 'content-type: application/json' \
--data-raw '{
  "invoice_currency": "SGD",
  "amount": 10000,
  "transaction_description": "1 X Goods",
  "webhook_url": "https://webhook.site/ref8y92937922",
  "confirm":true,
  "customer_details": {
    "name": "Andrea Lark",
    "email": "andrea.lark@me.com",
    "country": "SG"
  },
  "payment_method_details": {
    "type": "paynow_sgd"
  }
}'

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Step 3: Display the QR code on your screen

After confirming the payin, you will receive the following response 
{
    "status": "success",
    "message": "",
    "data": {
        "amount": 10000,
        "amount_paid": 0,
        "billing_details": null,
        "cancel_url": "",
        "cancelled_at": null,
        "client_token": "I2XZrhJ356-r6nHEj9jlGsL0mdCCQwP04vSF2w7B0aE=",
        "confirm": true,
        "created_at": "2024-02-06T10:25:09.333189785Z",
        "customer": "cus_cn10i0p8ukl9ae235oeg",
        "customer_details": {
            "country": "SG",
            "email": "andrea.lark@me.com",
            "name": "Andrea Lark",
            "phone": null
        },
        "id": "pay_cn10i0s6bt2fq1jlr0e0",
        "invoice_currency": "SGD",
        "latest_payment_attempt": "pat_cn10i0s6bt2fq1jlr0fg",
        "latest_payment_attempt_data": {
            "qr_code": "MDAwMjAxMjY1ODAwMDlTRy5QQVlOT1cwMTAxMjAyMTMyMDExMjA3OTdSMDAxMDMwMTAwNDE0MjAyNDAyMDYxODQwMDk1MjA0MDAwMDUzMDM3MDI1NDA2MTAwLjAwNTgwMlNHNTkyM1JFRCBET1QgUEFZTUVOVCBQVEUgTFRENjAwOVNpbmdhcG9yZTYyMjAwMTE2UVIyMDI0MDIwNlM5OTdIODYzMDQyRjA3"
        },
        "metadata": null,
        "object": "payin",
        "paid_in_excess": false,
        "partially_paid": false,
        "payment_attempts": [],
        "payment_method_details": {
            "type": "paynow_sgd"
        },
        "reference_id": "",
        "shipping_details": null,
        "statement_descriptor": "",
        "status": "requires_action",
        "status_description": "",
        "success_url": "",
        "transaction_data": [],
        "transaction_description": "1 X Goods",
        "transaction_documents": [],
        "webhook_url": "https://webhook.site/ref8y92937922"
    }
}
You can use this library to convert the QR string to an image to display to your customers.

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Step 4: Handle post-payment events

Tazapay sends a payin.succeeded event as soon as the funds are received from the customer. Use the webhook_url field in the payin API to receive these events and run actions (for example, sending an order confirmation email to your customers, logging the sale in a database, starting a shipping workflow, etc.) If the payment is not made by the customer within the stipulated active time of the QR and the QR expires, Tazapay sends a payment_attempt.failed event. Display a CTA on your screen beside the QR to allow the customer to generate a new QR. To generate a new QR, confirm the payin again using Step 2.
EventDescriptionNext Steps
payin.succeededThe customer paid before the expiration of the QRFulfill the goods or services that the customer purchased
payment_attempt.failedThe customer did not pay and the QR expiredAllow the customer to generate a new QR or complete the payment via another payment method

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Test the Integration

In test mode (sandbox),
  1. All the paynow_sgd payment attempts will succeed 3 minutes after creation by default. You will receive a payin.succeeded event.
  2. All the paynow_sgd payment attempts created with value 100 SGD (invoice_currency - SGD, amount - 10000) will fail 3 minutes after creation by default. You will receive a payment_attempt.failed event and the status of the payin will move to requires_payment_method.

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Integrating Refunds

You can refund a transaction in two ways - using the dashboard or using Refund API. Paynow supports partial refunds. Specify the amount (lesser than the invoice amount of the payin) for the refund before initiating.

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Refunding using dashboard.

Refer to this guide: https://support.tazapay.com/how-do-i-request-a-refund-from-my-dashboard

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Refund using API

Sample cURL 
curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/refund \
     --header 'accept: application/json' \
     --header 'authorization: Basic YWtfdGVzdF9ZTFNVQUUwVjRCSEpIOFg0ODZPQzpza190ZXN0X0hNOEM3SEVSV1BmODVPZnFCMXhLTUJJMWlENnVWYTEyUWN2VE5ZeVJhSHhRZjVTOW9pZUtoOVZzejg3cnhtSEpaSlcyTHdVc0NSY2RWbUR0d0U4Q0VkdWNIUXRnNVQzVjl1NkltQWludkdiMjhWeXhTVVlsTTFMWWllbU80THFt' \
     --header 'content-type: application/json' \
     --data '
{
  "payin": "pay_cn10i0s6bt2fq1jlr0e0",
  "amount": 1000,
  "currency": "SGD",
  "reason": "Customer Return",
  "webhook_url": "https://webhook.site/ref8y92937922"
}
'
NOTE: For full refund, specifying the amount and currency is not required to initiate a refund.