PayNow for API only

Last updated: June 4, 2025

To accept PayNow payments, you must follow these steps:

To send a payment request, call the Request a payment endpoint:

post

https://api.checkout.com/payments


1{
2  "source": {
3    "type": "PayNow"
4  },
5  "amount": 6540,
6  "currency": "SCB",
7  "reference": "ORD-5023-4E89",
8  "capture": true,
9  "success_url" : "abc.com/1234",
10  "cancel_url" : "abc.com/4567",
11  "failure_url" : "abc.com/2345",
12  "processing_channel_id": "pc_q4dbxom5jbgudnjzjpz7j2z6uq"
13}

If you receive a 202 Accepted response with a payment id value and the status field set to Pending, your request was successful.


1{
2  "id": "pay_mbabizu24mvu3mela5njyhpit4",
3  "action_id": "act_mbabizu24mvu3mela5njyhpit4",
4  "amount": 6540,
5  "currency": "SGD",
6  "approved": true,
7  "status": "Pending",
8  "auth_code": "770687",
9  "response_code": "10000",
10  "response_summary": "Approved",
11  "source": {
12    "type": "PayNow",
13    "processed_on": "2019-09-10T10:11:12Z",
14    "reference": "ORD-5023-4E89"
15  },
16  "processing": {
17    "acquirer_transaction_id": "440644309099499894406",
18    "partner_status": "IN_PROGRESS"
19  },
20  "links": {
21    "self": {
22      "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4"
23    },
24    "redirect": {
25      "qr_code": {
26        "text": "MDAwMjAxMjY1NzAwMDlTRy5QQVlOT1cwMTAxMjAyMTIwMzEwMDgxMEJBQkMwMzAxMDA0MTQyMDI0MTIwNjAwMjgxMTUyMDQwMDAwNTMwMzcwMjU0MDQ0Ljg3NTgwMlNHNTkyM0NIRUNLT1VUIEFQQUMgUFRFLiBMVEQuNjAwOVNpbmdhcG9yZTYyMjAwMTE2cG5fNDE5MGVjMzU4NzlkNDYzMDRCNTYz"
27        }
28    }
29  }
30}

Take the URL from the redirect.qr_code.text field and convert it into a QR code using a third-party QR code generator tool.
Display the QR code to the customer.
The customer must scan the QR code using their online banking app, and confirm the transaction.

Information

The QR code is valid for five minutes. The payment expires if the customer does not authorize the payment within this time frame.

Checkout.com communicates the capture of the payment using webhooks. When you receive a payment_captured webhook notification, it indicates that the transaction has been successfully completed.

PayNow only supports auto-capture payments.

Information

You cannot void an auto-captured payment. To reverse a payment in progress, wait for the payment to be captured, and then process a refund.

To retrieve details about the payment, call the Get payment details endpoint, setting the payment_id value from the payment response as the {id} path parameter:

get

https://api.checkout.com/payments/{id}

See Get payment details for more information.

PayNow supports both partial and full refunds.

You can refund the payment through the Dashboard or by calling the Refund a payment endpoint, setting the payment_id value from the payment response as the {id} path parameter:

post

https://api.checkout.com/payments/{id}/refunds


1{
2  "amount": 20
3}


1{
2  "action_id": "act_c4x2vjvnx4uelb4io72fa4e57a",
3  "_links": {
4    "payment": {
5      "href": "https://api.checkout.com/payments/pay_fzzdurog3squjj2ityho7x3o64"
6    }
7  }
8}

To simulate a successful payment, send a payment request to the sandbox environment as shown in the Request a payment section.

To simulate a rejected payment, send a payment request to the sandbox environment as shown in the Request a payment section, with the amount field set to either 2200 or 3000:


1{
2  "source": {
3    "type": "PayNow"
4  },
5  "amount": 2200,
6  "currency": "SGD",
7  "reference": "ORD-5023-4E89",
8  "capture": true,
9  "processing_channel_id": "pc_q4dbxom5jbgudnjzjpz7j2z6uq"
10}


1{
2   "id": "pay_buzuxrakld4uzewzchwgfjppy4",
3   "action_id": "act_bcoaluw3ydkepf2rmpszk23al4",
4   "amount": 2200,
5   "currency": "SGD",
6   "approved": false,
7   "status": "Declined",
8   "response_code": "20068",
9   "response_summary": "Internal error",
10   "risk": {
11       "flagged": false
12   },
13   "processed_on": "2025-04-29T10:13:39.3013079Z",
14   "_links": {
15       "self": {
16           "href": "https://gwc.ckotech.co/payments/pay_buzuxrakld4uzewzchwgfjppy4"
17       },
18       "actions": {
19           "href": "https://gwc.ckotech.co/gateway/payments/pay_buzuxrakld4uzewzchwgfjppy4/actions"
20       }
21   }
22}

To simulate an expired payment, send a payment request to the sandbox environment as shown in the Request a payment section, with the amount field set to either 4000:

To simulate a refund, send a refund request to the sandbox environment as shown in the Refund a payment section, with the amount field set to:

Any even number for a successful refund
Any odd number for a rejected refund

PayNow for API only

Request a payment

Request example

Response example

Display the QR code

Information

Information

Get details about a payment

Refund a payment

Request example

Response example

Test your integration

Test a rejected payment

Request example

Response example

Test an expired payment

Test a refund