PayNow QR, cards and payment links, paid straight into your own accounts

Add your PayNow mobile number or your business UEN in Settings. Every order then shows a PayNow QR for exactly what's still owed, with the order number as the payment reference (ORDER1042), paid straight to your bank. The customer scans it with any banking app and the amount is already filled in, so nobody types S$45.80 as S$4.58. The same QR shows on the customer's own order page, and A4 invoices print one quoting the invoice number.

If you sign up with your UEN, your PayNow is filled in for you. Keep it if your bank has registered the UEN for PayNow, or use your PayNow mobile number instead, as many home businesses do.

To take cards, connect your own account with a payment provider such as HitPay, Stripe or PayPal, using its API key. Customers then pay online by card, Apple Pay, Google Pay or the provider's local methods, and the money goes straight into your account. The provider charges its own fees, usually a small percentage per payment, and you pay them to the provider directly. Before customers can pay online, you confirm the terms and conditions they agree to when they pay.

Each online payment is recorded once, by whichever comes first: the provider's notice or the check made when the customer returns to the order page. If the order was paid at the counter in the meantime, only what was still owed is recorded and the rest is listed for you to refund. If your provider has approved you for pay-later instalments, you can show those at checkout too; you're paid in full and the agreement is between you and the provider.

Add other ways to pay: a bank account (bank, account name and number, with SWIFT and bank address for overseas telegraphic transfers), an e-wallet number, or a picture of your own QR. Customers see these on their order and tap I've paid, with a screenshot and a reference if they like. You get an alert, check your bank, and press Money received or Not received. Until you confirm, the order shows the claim, not a payment, so your takings are never overstated.

Settings › Payments lists the providers that suit your country first, with what customers there pay with. In Singapore that's HitPay (PayNow, cards, GrabPay, ShopeePay) and Stripe (cards, PayNow, GrabPay), with PayPal as well. No account yet? Sign up with the provider, then paste your API key. Tick if it's a sandbox (test) key, and you can try a payment end to end before you go live.

The last step is adding AQUORIA's address in your payment account, so payments are recorded even if a customer closes the page before coming back. If anything goes wrong with the connection, the last problem is shown on the same screen.

Every order has its own page on your shop link, showing the items, what's paid, what's owed and the ways to pay. That page is your payment link. Send to customer opens WhatsApp or email on your device with the order, the amount and the link. The QR on each receipt opens the same page, and payment reminders carry it too. For a customer standing at your counter, the PayNow QR on your screen does the job.

Payments rarely arrive in one piece. AQUORIA O.N.E handles the usual patterns:

Refund or correct a payment records money going back the same way it came, with the reason. For a card payment, you also send the refund from your payment account. An online order the customer chose to pay now, but didn't pay within a day, is cancelled and its stock goes back on the shelf.

Finance shows money in and out by week or month, a daily Cash-up with your float and counted cash, and Money owed by age. Analytics shows payments by method, so you can see how much of your takings now come by PayNow rather than cash.

The Today screen lists payments to check, where a customer says they've paid, and online payments to refund. Turn on alerts and your phone tells you when a payment is received, even when the app is closed.