Singapore Quick Response Code (SGQR)

The SGQR is a world’s first common QR code specifications for e-payments which facilitates the creation of a single multi-tenanted QR for each merchant, supported by a central infrastructure, that will benefit the banks and other industry players within the payment ecosystem in Singapore.   

What is SGQR ?

For Consumers

Your current payment app probably works with SGQR already. All you need to do at the merchant checkout is:

• PICK and launch your preferred payment app
• SCAN the SGQR and check the merchant name
• PAY the correct amount


Consumers should cultivate good habits to initiate the QR payment and verify the accuracy of each payment made. When deciding to initiate the QR payment, consumers should only use correct payment apps to make payments.

Payment providers have in-built security features into their apps to help detect and prevent fraud payments to fake merchants. After scanning an SGQR code, consumers should check that the merchant name displayed on their payment app matches with the merchants’ name displayed above the SGQR label.

Upon successful payment, customers should receive an almost immediate payment notification. Similarly, merchants should receive a notification as well.

Should customers or merchants suspect fraud, they should immediately report this to the relevant payment provider or bank. Consumers’ scan and pay at the SGQR code with their preferred payment app. The funding source for the payment app could be a credit card, a debit card or a prepaid card.

No, there is no extra cost for consumers when using SGQR to make payment.

Anyone owning a mobile phone with a camera and data connectivity, and an account appropriately setup with e-payment options will be able to make payments via SGQR so long as the merchant supports their choice of payment.

Consumers can remember the simple line to Pick, Scan and Pay.

Consumers should first Pick the payment logo under the SGQR to identify which payment methods a merchant accepts. This is similar to how consumers are able to identify which card payment methods are accepted at merchants today.

Consumers can then select the relevant payment app on their mobile phones, Scan the SGQR code, and then Pay. 

SGQR Infographic

If you experience problems with your payments at an SGQR label, please discuss the issue first with the merchant or contact the relevant payment app provider for a solution.

SGQR can be found at merchants that accept e-payments via QR code. Merchants that accept payment via SGQR will have an SGQR label in their stores. In the near term, these could be at hawker centres and retail stores.

As long as the e-payment providers that the merchant is signed up with are able to support foreign payments, the tourists should be able to use their e-payment solution with SGQR-enabled stores.

For example, Unionpay International is one payment provider who has pledged to support and adhere to the SGQR standard.

Currently, consumers may see multiple QR codes at merchant stores promoting various e-payment solutions. This can be confusing and makes picking out if a merchant accepts a consumers’ e-payment option difficult.

For merchants, counter space is often limited. Multiple disorgansied QR code stickers are not optimal for the industry.

With SGQR, consumers will no longer see multiple QR codes. A single SGQR code with a merchants’ various accepted payment options will be used instead. A single SGQR will also allow QR to be used in other areas, such as bill payments.

PayNow with QR is a new functionalty for PayNow. PayNow is upgrading its systems to align with and be part of SGQR.

SGQR - lists the payment schemes, payment apps and acquirers which are or will be part of SGQR.

For Businesses

If you already accept QR payments, you need not do anything. Your acquirer will replace your QR code with SGQR over the next few months. 

If you currently do not accept QR payments, please contact any of the partners listed below.

For more information, please contact your acquirer listed under Partners.


There should be no additional cost to utilize SGQR. Please check if your current accepted payment providers are already on-board. Examples of payment schemes which are onboard SGQR include NETS, Grabpay, Liquidpay and Singtel DASH. 

Full list of SGQR Partners

If your e-payment provider is part of SGQR, your QR code will be transitioned to SGQR over time. This may occur through 2018 to early 2019. Should you have additional queries as to when this will take place, you may contact your payment provider directly.

No. The merchant retains the choice of its preferred international and/or domestic QR payments. The existing commercial relationships between the merchant and acquirer will continue, regardless of the number of QR payments a merchant wishes to accept.


For example, while there are many payment schemes that are on the SGQR standard, a merchant may choose, for example, to only accept two of them. Another merchant may accept six schemes.

The following figures display the situation of a merchant with two schemes in its SGQR and a merchant with six schemes in its SGQR.

As SGQR payments are customer initiated, the customer needs to know which payment options are available for the customer to open his or her preferred payment app.

Hence the SGQR label will display all of the QR payment options accepted by the merchant. The SGQR Label can potentially display over twenty payment logos within a single SGQR label.

However, it is important to note that the end result for merchants is still one single QR, which will free up space as opposed to having a dozen individualized QR codes at their payment counter.

There is no requirement for physical receipts for e-payments an SGQR. However, merchants can still provide them to customers should they wish to.

Consumers making QR code payments through their payment apps should also receive a notification of payment confirmation. Merchants should also receive such notifications.

No, the SGQR will direct payment to the right acquirer of the merchant. There is no central party processing all QR transactions.

The Government has no sight of each QR transaction. The merchant continues to be free to choose the acquirer of his choice.

If you experience problems with your payments at an SGQR label, contact your merchant acquirer hotline for a solution.

PayNow with QR is a new functionalty for PayNow. PayNow is upgrading its systems to align with and be part of SGQR.

Based on EMVCo QR Specifications

The SGQR is based on the "QR Code Specification for Payment System – Merchant-Presented Mode" issued by EMVCo, which has the benefits of international interoperability, multi-tenancy of QR schemes and non-sensitive data presented for payments.

SGQR adopts these standards and has customised it for the Singapore market. It is not a separate payment scheme or payment app – consumers and merchants should continue to use the apps provided by their payment schemes. SGQR is intended to simplify QR e-payments in Singapore for both consumers and merchants.

If you experience issues with your payments at an SGQR label, contact your payment app/wallet hotline (for consumers) or the merchant acquirer hotline (for merchants) for a solution.

SGQR Taskforce

In August 2017, the Payments CouncilMedia Release: MAS Establishes Payments Council, a group of leaders from banks, payment service providers, businesses, and trade associations, advocated the use of QR code-based payments as a practical and convenient way to introduce e-payments to merchants.

However it was noted the proliferation of more proprietary QR codes at merchants risked fragmentation of payment solutions and inefficiency among merchants and consumers.

The Payments Council established an industry taskforce to develop a common QR code specifications for e-payments in Singapore. The SGQR taskforce, co-led by the Monetary Authority of Singapore and Infocomm Media Development Authority, consists of members from payment schemes, issuers, acquirers, banks and relevant Government Agencies.

SGQR Partners

International Payment Schemes
  1. American Express International Inc.
  2. Diners Club (Singapore) Pte Ltd
  3. iAPPS Pte Ltd (iAPPS)
  4. JCB International CO., Ltd
  5. Mastercard International Inc.
  6. Razerpay Pte Ltd (RazerPay)
  7. SunPay Tech Pte Ltd (SunPay)
  8. UnionPay International Co., Ltd
  9. Visa Worldwide Pte Ltd
  1. Bank of China
  2. Citibank
  3. DBS Bank Ltd (DBS PayLah)
  4. Industrial and Commercial Bank of China
  5. Malayan Banking Berhad
  6. Oversea-Chinese Banking Corporation Limited
  7. Standard Chartered Bank
  8. The Association of Banks in Singapore (PayNow)
  9. The Hongkong and Shanghai Banking Corporation Limited
  10. United Overseas Bank Ltd
Wallets & Acquirers
  1. Alipay Singapore E-Commerce Pte Ltd (Alipay)
  2. Airpay Pte Ltd (Airpay)
  3. Alldebit Pte Ltd (Alldebit)
  4. Attraction International Fintech Pte Ltd (AttractPay)
  5. Beeconomic Pte Ltd (Favepay)
  6. Cloud Payment Pte Ltd (Remo)
  7. CC Financial Services Pte Ltd
  8. Cheer-win International Holding Pte Ltd (Cheer-Win)
  9. EZi Technology Pte Ltd (EZi Wallet)
  10. EZ-Link Pte Ltd (EZ-Link)
  11. e-buy Information Technology International Pte Ltd (eBuy)
  12. Fomo Pay Pte Ltd
  13. FlexM Pte Ltd
  14. Google Asia Pacific Pte Ltd
  15. Gpay Network (S) Pte Ltd (GrabPay)
  16. GT Dollar Pte. Ltd (GT Dollar) 
  17. Ksher Singapore Ptd Ltd
  18. Liquid Group Pte Ltd (Liquidpay)
  19. Matchmove Pte Ltd (Matchmovepay)
  20. Mobile Community Tech Pte Ltd
  21. Mobile Credit Payment Pte LTd
  22. MoovPay Global Pte Ltd
  23. Network For Electronic Transfers (Singapore) Pte Ltd (NETS)
  24. New POS Network(S) Pte Ltd (NPN)
  25. Paynow Pte Ltd (beePay)
  26. Paywho Pte Ltd (Paywho)
  27. Red Dot Payment Pte Ltd
  28. Singapore Airlines Ltd (Krispay)
  29. Smartpay (Singapore) Pte Ltd
  30. Sinopay (Singapore) Pte Ltd
  31. Sports Singapore (Active Wallet)
  32. Telecom Equipment Pte Ltd (DASH)
  33. Tencent Holdings (WeChat)
  34. Uqpay Technology (SG) Pte. Ltd
  35. UnPAY Global (Asia Pacific) Pte Ltd (UnPay)
  36. Uniweb Pte Ltd (Uniweb Pay)
  37. Wirecard Asia Holding Pte Ltd (Wirecard)
  38. YYLife Pte Ltd (YYPay)
Government Agencies
  1. Enterprise Singapore
  2. Housing Development Board
  3. Jurong Town Council Corporation
  4. National Environment Agency