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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

Majority of merchants (>190,000) in Singapore accept payment via SGQR

No more confusion with multiple QR codes at storefronts

Consumers can easily make mobile payments by scanning the SGQR with a payment app accepted by the merchant

Safety Practices

Some safety practices that consumers should take to protect themselves include: 

  • Use the correct payment apps to make payments, from the time you scan the SGQR code. 
  • Check that the merchant name displayed on their payment app matches the merchant name displayed above the SGQR label after scanning the SGQR code. 
  • Look out for an almost immediate payment notification after successful payment. Similarly, merchants should receive a notification as well. 

Payment providers have in-built security features into their apps to help detect and prevent fraud payments to fake merchants.

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.

Related Questions

Can I apply for SGQR if I am not a merchant?

The primary use case for SGQR is to facilitate seamless e-payment acceptance for businesses and merchants at point-of-sale counters. You may wish to consider other forms of QR e-payment solutions if you are not a merchant.

Is there any extra cost in making payment via SGQR?

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

Can tourists make payments using SGQR?

If tourists are able to onboard as users of payment schemes that are part of SGQR, they would be able to make payments using these payment apps at stores that accept SGQR.

Can I pay for my taxes via PayNow QR?

Your personal or business taxes should be paid to the Inland Revenue Authority of Singapore (“IRAS”). You will be able to use any of the PayNow banks’ mobile banking applications to pay your taxes via PayNow QR.