SGQR: For Consumers

Learn safety practices that you should take to protect yourself, and how to resolve QR payment issues or to report fraud.

Benefits of SGQR

Safety Practices

Consumers should take steps to protect themselves, including keeping up to date on advisories on scams from the Cyber Security Agency of Singapore (CSA) and the Singapore Police Force (SPF). These safety practices include: 

  • Download and use only payment apps from official app stores to make payments.
  • Regularly update your devices’ operating system and applications to ensure that they contain the latest security patches and updates.
  • Before scanning the SGQR code, carefully examine the SGQR label for any signs of tampering or irregularities such as modifications to the merchant name. Avoid scanning the SGQR code if it appears to have been pasted over the original code or if there are design inconsistencies. If unsure, always verify with the merchant. 
  • When scanning the SGQR code for payment, carefully review the transaction details displayed on the payment app before confirming the payment. Check that the merchant name displayed on the payment app matches the merchant name displayed above the SGQR label after scanning the SGQR code. Ensure that the payment amount and other information are accurate. If unsure, always verify with the merchant. 
  • Look out for an almost immediate payment notification after successful payment. Similarly, merchants should receive a notification as well. 

How to resolve QR payment issues or to report fraud

File an incident report within your payment app if you encounter any issues with payments made using SGQR. 
 
Your payment service provider may allow partial refunds or cancellations for wrong transactions 
 
Should you suspect fraud, immediately report this to the relevant payment provider or bank.