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Hi team, as you may have seen in our Xero news, we've been making a lot of improvements in the payments space. While not a direct solution to what you’re asking here, we're beginning to roll out a Tap to Pay experience powered by Stripe in the US. This payment method is already available in AU and the UK, and makes it even easier for your customers to pay you in person, using just your mobile phone and the Xero Accounting App - no extra hardware needed. When these payments come into your Stripe bank account in Xero you'll have all the information for easy reconciliations. We will also be launching Tap to Pay in NZ and Canada after the US.
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Gavin McCloy
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An error occurred while saving the comment Gavin McCloy
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Our customers get sent our invoices via WhatsApp and not in person, developing a PayNow generated QR code is not that difficult, I have had to develop a telegram bot to insert and stamp based on the total invoice amount a custom QR Code which is compatible with Singapore PayNow standards for now.
We use ANEXT - great for SME's however they do not allow references to be sent to our bank nor integration through API with XERO - however it would be nice if XERO could reach out to become an API partner with ANEXT allowing sync of bank statements, it would in fact make ANEXT more attractive to SME's.
Secondly, it took me literally 2 hours to develop a telegram bot to send a PDF to and for it to return a QR code with total amount and reference that I put on the XERO invoice, I'm not at all an experienced developer and used python with chatgpt for assistance. surely the dev team at XERO could do this faster than me and much more proficient with the integration, doesn't seem that hard to do, I also commented previously the requirements for standardizing QR codes for PayNow based on EMVCo and SGQR standards.
An error occurred while saving the comment Gavin McCloy
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Is this currently available? I really need this!
Even the option to generate a unique QR following PayNow Guidelines.
It's not difficult to write a script in python to generate one, with
o create a PayNow QR code that adheres to the EMVCo and SGQR standards, you should include the following fields:
Payload Format Indicator (ID 00): Indicates the version of the QR code format. For PayNow, this is fixed at "01".
Point of Initiation Method (ID 01): Specifies whether the QR code is static ("11") or dynamic ("12").
Merchant Account Information (ID 26): Contains nested data specific to PayNow:
Application Identifier (ID 00): Fixed at "SG.PAYNOW".
Proxy Type (ID 01): '0' for mobile number, '2' for UEN.
Proxy Value (ID 02): The actual mobile number (with country code) or UEN.
Editable Transaction Amount (ID 03): '0' if the amount is fixed; '1' if the payer can edit it.
Expiry Date (ID 04, optional): Specifies the expiration date of the QR code in YYYYMMDD format.
Reference Number (ID 05, optional): A unique identifier for the transaction.
Merchant Category Code (ID 52): A 4-digit code classifying the business type. Use '0000' if not applicable.Transaction Currency (ID 53): The currency code, '702' for SGD.
Transaction Amount (ID 54, optional): The payment amount, up to two decimal places.
Country Code (ID 58): 'SG' for Singapore.
Merchant Name (ID 59): The name of the merchant or entity.
Merchant City (ID 60): The city where the merchant is located, typically 'Singapore'.
Additional Data Field Template (ID 62, optional): Contains nested data such as:
Bill Number (ID 01): An identifier for the bill or invoice.
CRC Checksum (ID 63): A 4-character checksum calculated over the entire data string to ensure data integrity.Including these fields ensures that your PayNow QR code complies with the required standards, facilitating seamless and secure transactions.
Hi Kelly,
I wanted to share some thoughts regarding Stripe integration. While Stripe is a popular platform, the fees—approximately 3% plus $0.30 per transaction—are significant, especially considering that PayNow offers a completely free QR code payment method for local transfers in Singapore.
Given the simplicity of generating dynamic QR codes using the PayNow EMVCo and SGQR standards, it seems surprising that Xero doesn’t natively support this feature. We’re already paying for Xero, and having PayNow QR integration as an option would provide significant value—both functionally and from a marketing perspective, particularly for SMEs in Singapore.
Personally, I’ve developed a working solution that generates dynamic PayNow QR codes and integrates them into invoices. While I currently route the invoice through a Telegram bot to apply the QR stamp, the technical implementation is relatively straightforward.
This kind of feature would greatly benefit the SME ecosystem in Singapore and make Xero a more compelling solution locally. Is there any reason this hasn’t been considered or implemented yet?
Best regards,
Gavin McCloy.