PayNow
Singapore’s proxy-based real-time consumer and business payments rail.
PayNow is a real-time payment rail routed by KeyBS Pay. Singapore’s proxy-based real-time consumer and business payments rail.
Payouts routed through PayNow settle to beneficiary accounts in SG. Where PayNow is available for the destination country, it is the default rail for eligible payouts.
Every PayNow payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a PayNow payout moves through KeyBS Pay
PayNow settles in real-time on eligible SGD destinations.
Popular PayNow searches
Auto-generated from real query patterns across the KeyBS Pay hub.
Ask AI about the PayNow rail
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Countries reachable via PayNow
PayNow by industry
PayNow developer resources
Frequently asked questions
What is PayNow?
Singapore’s proxy-based real-time consumer and business payments rail.
How fast is PayNow?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through PayNow?
SG. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on PayNow.
What currencies are supported on PayNow?
SGD is the primary settlement currency for PayNow. Multi-currency corridors are supported where the rail permits.
What limits apply on PayNow?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is PayNow available 24/7?
Real-time rails (including PayNow) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate PayNow?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is PayNow regulated?
Yes. KeyBS Pay routes PayNow payouts only through partners licensed for the destination corridor.
Can I get a PayNow settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a PayNow payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for PayNow?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use PayNow for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on PayNow?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does PayNow support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use PayNow most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of PayNow on the KeyBS Pay platform.
Route your first PayNow payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.