# PayNow

> **Information**
>
> PayNow is available for Flow. Flow enables you to [accept payments on your website](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-on-your-website.md) using Checkout.com's global network of payment methods with a single integration.

PayNow is a real-time payment service in Singapore that enables individuals and companies to transfer funds from their mobile number using:

- An ID number for individuals
- A business ID number for companies

> **Information**
>
> To enable PayNow payments on your account, contact your account manager or [request support](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).

|  |  |
| --- | --- |
| Model | Collecting |
| Payment flow | Redirect |
| Payment method type | Digital wallet |
| Auto-capture payment | ✓ |
| Manual-capture payment | ✗ |
| Refund | ✓ Full and partial refunds |
| Chargeback | ✗ |
| Recurring payment | ✗ |

---

## Manage webhooks

You can manage your webhooks using the [API](https://www.checkout.com/docs/developer-resources/event-notifications/receive-webhooks/manage-webhooks-using-the-api.md), or the [Dashboard](https://www.checkout.com/docs/developer-resources/event-notifications/receive-webhooks/manage-webhooks-in-the-dashboard.md).

When integrating with PayNow, you can subscribe to the following webhooks:

| Webhook | Description |
| --- | --- |
| `payment_pending` | Occurs when an asynchronous payment request is successfully initiated.<br><br>[See example](https://www.checkout.com/docs/developer-resources/event-notifications/event-types/payment_pending.md). |
| `payment_captured` | Occurs when a capture is successful.<br><br>[See example](https://www.checkout.com/docs/developer-resources/event-notifications/event-types/payment_captured.md). |
| `payment_capture_declined` | Occurs when a capture is declined.<br><br>[See example](https://www.checkout.com/docs/developer-resources/event-notifications/event-types/payment_capture_declined.md). |
| `payment_declined` | Occurs when a payment authorization request times out, or if there is a rejection during authorization. For example, due to insufficient funds, the issuer blocking the card, or a Do Not Honor instruction.<br><br>[See example](https://www.checkout.com/docs/developer-resources/event-notifications/event-types/payment_declined.md). |
| `payment_expired` | Occurs when the payment expires.<br><br>[See example](https://www.checkout.com/docs/developer-resources/event-notifications/event-types/payment_expired.md). |
| `payment_refunded` | Occurs when the payment is fully or partially refunded. |
| `payment_refund_declined` | Occurs when a refund is declined. |

---

## Available for

- [Web](https://www.checkout.com/docs/payments/add-payment-methods/paynow/web.md): Accept PayNow payments on your website with Flow, our pre-built, customizable payment user interface.
- [Payment Setup API](https://www.checkout.com/docs/payments/add-payment-methods/paynow/payment-setup-api.md): Build your own UI and integrate with our Payment Setup API to process PayNow payments.
- [Unified Payments API](https://www.checkout.com/docs/payments/add-payment-methods/paynow/unified-payments-api.md): Build your own UI and integrate with our API to process PayNow payments.