> ## Documentation Index > Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt > Use this file to discover all available pages before exploring further. # paynow_sgd 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. # Integrating on your website / application ## 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](https://developer.tazapay.com/API-Reference/tazapay-api/payin/create-payin) A payin is created with the status `requires_payment_method`. ### Sample cURL ```json theme={null} 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" } , ``` ## 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 ### Sample cURL ```json theme={null} 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" } } ' ``` ### 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 | Field | type | Mandatory (Y/N) | Description | | ------- | ------- | --------------- | ---------------------------------------- | | confirm | boolean | Y | To confirm the payin along with creation | ### Sample cURL ```json theme={null} 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" } }' ``` ## Step 3: Display the QR code on your screen After confirming the payin, you will receive the following response ```json theme={null} { "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](https://www.npmjs.com/package/qrcode) to convert the QR string to an image to display to your customers. ## 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. | Event | Description | Next Steps | | ----------------------- | ------------------------------------------------- | ------------------------------------------------------------------------------------------ | | payin.succeeded | The customer paid before the expiration of the QR | Fulfill the goods or services that the customer purchased | | payment\_attempt.failed | The customer did not pay and the QR expired | Allow the customer to generate a new QR or complete the payment via another payment method | # 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`. # Integrating Refunds You can refund a transaction in two ways - using the [dashboard](https://dashboard.tazapay.com) or using [Refund API](https://developer.tazapay.com/API-Reference/tazapay-api/refund/refund-api). Paynow supports partial refunds. Specify the amount (lesser than the invoice amount of the payin) for the refund before initiating. ### Refunding using dashboard. Refer to this guide: [https://support.tazapay.com/how-do-i-request-a-refund-from-my-dashboard](https://support.tazapay.com/how-do-i-request-a-refund-from-my-dashboard) ### Refund using API Sample cURL ```json theme={null} 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.