When my wife wanted to sell eczema skincare products online, I built her ecommerce store using WooCommerce.
And just like other stores, our shop accepts payments through PayNow SGQR codes, so you can pay using your mobile banking app, like UOB, DBS or OCBC.
PayNow is great because, unlike credit cards, we don’t have to pay any transaction fees to Stripe or other payment gateways. The money goes directly to our store’s bank account.
However, I had an annoying issue: our store uses a static PayNow QR code. Customers have to manually enter the payment amount and order number every time they make a purchase. This manual input can lead to wrong amounts. And if the customer forgets to include the order number, we would have to manually match the order to the amount that appeared in our bank account, which takes time and adds errors.
Sure, I could simply enable PayNow using Stripe, but Stripe takes a transaction fee of 1.3% for every order; a fee that we were unwilling to pay.
I knew that it was possible to dynamically generate QR codes that already contain the correct amount and order number. After all, I’ve seen these QR codes in the soda vending machines in my neighbourhood.
So I built this PayNow QR generator as a WooCommerce plugin, a standalone Android app, as well as a free online generator. Now any seller can accept PayNow without transaction fees.
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