PayNow (Direct to Bank Account)

Collect via PayNow (Direct to Bank Account)

Start with the rails your customers already trust: PayNow QR and PayLah wallet in Singapore directly to your bank account.

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When you’re ready to go regional, flip a switch to accept FPX & DuitNow (Malaysia), FPS (Hong Kong) and QRIS (Indonesia) through the same Acme API.

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Order summary showing a black leather bag priced at $365 SGD with quantity 1, alongside payment method options including PayNow, PayLah, FPX, DuitNow, and QRIS.
Instant, no-MDR Bank Transfers directly to your bank account

Why collect via PayNow / RTP

Direct to Bank Settlement

Funds land in your corporate bank account the moment a customer taps “Pay”. No need to wait for 1-3 days settlement by a Payment Gateway or PSP.

No MDR, No FX Surprise

Replace percentage card fees with a predictable Acme subscription.

Zero Chargebacks

Push payments can’t be reversed, eliminating dispute overhead.

Expand regionally when you’re ready

FPX company logo with a blue and dark blue geometric design.
DuitNow payment service logo.
FPX & DuitNow
Malaysia
Bicycle icon with a plus sign near the rear wheel in black.
QRIS
Indonesia
Logo with stylized letters 'FPS' surrounded by a blue circular arrow.
FPS
Hong Kong
PromptPay logo with Thai text above the word 'Pay'.
PromptPay
Thailand

Ideal for E-commerce Merchants, Non-Profit and Educational Institutes

Depending on the type of merchant you are, PayNow / RTP delivers great benefits. For example, Professional & Service Businesses can collect high‑ticket invoices instantly without card limits.

E-Commerce Merchants
Non-Profit / Educational Institutions
Order summary showing a black leather bag with quantity one and total price $365 SGD next to a PayNow QR code for payment.
Fashion and lifestyle merchants save 1–3 % per order and release inventory faster with T+0 settlement. Other benefits include:

Dynamic QR & Pay‑Link generation

Each PayNow/PayLah payment will have a specific transaction reference for easy recon.

Real-time reconciliation

Webhooks map each payment to invoices in your internal system or ERP.

Unified regional API & dashboard

One spec, one sandbox, four countries.

Enterprise-grade compliance

ISO 27001:2022 certified.

Payment interface showing a QR code with a message 'You are paying S$98.00' and the PayNow logo below the code.
Stretch every dollar by eliminating MDR and chargeback losses. Accepting donations via PayNow/PayLah with Acme means:

No MDR

100% of every gift reaches your cause.

Built-in donor details

Sender name & NRIC/UEN captured for effortless KYC and automatic tax-deductible receipt issuance.

Campaign-ready QR Codes

Generate branded static or dynamic QR codes for events, newsletters or social media.

Audit-proof reconciliation

Donation metadata flows straight into your finance system and reporting tools.

Our Customers

ZALORA introduces new bank-based payment methods in Singapore with Acme's bank integration services

ZALORA speeds payment rollout with Acme’s bank integrations—launching PayLah! & PayNow 3x faster, cutting costs, and boosting revenue.
Learn more

TreeDots partners with Acme to accelerate payments reconciliation within the food and ingredients supply chain

TreeDots uses Acme to automate reconciliation—saving 8–10 hrs weekly, enabling instant order-to-shipment, and reducing engineering effort with one platform.
Learn more

Ready to simplify collections?

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