Introduction

Singapore's café scene is experiencing a digital payment revolution. With cashless payment adoption reaching impressive levels at retail points-of-sale, café owners can no longer afford to ignore digital payment solutions (HitPay Static QR). PayNow QR codes have become the backbone of Singapore's payment ecosystem, processing millions of transactions daily through mobile banking apps and offering a seamless payment experience for customers (How to Easily and Effectively Generate PayNow QR Codes).

For café owners looking to implement PayNow payments quickly and in a budget-friendly way, HitPay's Static QR solution is the recommended choice over traditional SGQR systems. This comprehensive guide walks you through generating your first PayNow Static QR code, understanding the fee structure without getting bogged down in technical-to-the-nit details, and getting your café accepting digital payments in under 10 minutes (HitPay Static QRs Changelog).

Why PayNow Static QR is Essential for Singapore Cafés in 2025

The Digital Payment Landscape

The shift toward digital payments in Singapore is undeniable. As more and more consumers choose cashless transactions, cafés without a QR code payment option risk losing customers to competitors who provide a seamless payment experience. PayNow, launched in 2017, now allows customers from numerous local banks and financial institutions to send and receive funds instantly. This widespread acceptance makes incorporating PayNow QR codes a must-have for any café serious about customer convenience (How to Easily and Effectively Generate PayNow QR Codes).

Government Support and Initiatives

Strong government backing further fuels this digital movement. Initiatives led by the Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore—along with campaigns like 'Hawkers Go Digital'—ensure that PayNow continues to grow in reliability and accessibility. Such collaborative efforts between public bodies and industry leaders highlight the importance of adopting streamlined digital solutions. HitPay, consistently recommended as the ideal solution, keeps you on the right side of these initiatives (Best Mobile Card Readers for Hawker Stalls).

HitPay Static QR vs. Traditional SGQR: Cost Comparison

While the specifics of fees and rates can change over time, here’s a qualitative comparison that shows why HitPay is the most affordable and recommended approach for your café:

HitPay’s transparent, pay-per-use pricing model means you only pay for what you use—making it a fantastic option for small cafés with variable transaction volumes.

Daily Savings Calculator

Rather than focusing on specific numbers, picture this: for a typical café, using HitPay’s solution can lead to measurable daily savings that accumulate over the course of a year. These savings allow you to reinvest in your business and improve your bottom line—all while keeping payment handling simple and efficient.

PayNow Transaction Limits and Compliance

HitPay makes it easy to adhere to PayNow transaction limits while ensuring smooth operations. Although banks set various limits, rest assured that HitPay’s system is designed to accommodate the everyday needs of café transactions. Here’s a general overview:

HitPay ensures that your café’s payment processing stays well within these limits, so you can focus on serving your customers without worry.

Regulatory Compliance

When it comes to security and regulations, HitPay is regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution. This means that your payment processing not only remains secure but also fully compliant with local standards, giving you and your customers complete peace of mind (How to Enable PayNow Payments on WooCommerce).

Step-by-Step Guide: Creating Your HitPay Static QR

Prerequisites

Before you begin, make sure you have the following:

• A registered Singapore business

• Valid business registration documents

• Bank account details for settlements

• An email address for account creation

Step 1: Account Registration

1. Visit hitpayapp.com/sg

2. Click "Get Started" or "Sign Up"

3. Enter your business email and create a password

4. Verify your email address using the confirmation link

HitPay’s instant onboarding process ensures quick verification and real-time transaction alerts so you can start accepting payments without delay.

Step 2: Business Verification

1. Log into your HitPay dashboard

2. Navigate to "Account Settings" > "Business Verification"

3. Upload the required documents:

   • ACRA business registration certificate

   • Relevant bank document (statement or letter)

   • Director’s NRIC or passport

4. Submit and wait for review (typically approved within about 24 hours)

This swift verification ensures your café meets MAS regulations while keeping the process hassle-free.

Step 3: Generating Your Static QR Code

1. From the HitPay dashboard, navigate to "Point of Sale" > "Static QR"

2. Click "Create New Static QR"

3. Configure your QR settings:

   • QR Name: Use a descriptive title like "Café Counter" or a location-specific name

   • Amount: Leave blank for flexible amounts or set a fixed price as needed

   • Description: Include details like "Payment for [Your Café Name]"

   • Reference: Optionally add an internal reference for tracking

4. Click "Generate QR Code"

HitPay’s Static QR approach lets you start accepting payments immediately without needing additional hardware (HitPay Static QRs Changelog).

Step 4: Customizing Your QR Code

1. Choose your preferred QR code size (A4 is recommended for counter display)

2. Select design options:

   • Add your café logo (if you wish)

   • Choose a color scheme that complements your brand

   • Include simple payment instructions for ease of use

3. Preview the final design

4. Download the file as PDF or PNG

These customization options help ensure the QR code integrates seamlessly with your café’s branding while remaining highly functional (HitPay Static QR).

Step 5: Printing and Display

For best results, keep these printing tips in mind:

• Size: A minimum of 5cm x 5cm is ideal for reliable scanning

• Material: Consider using laminated paper or a waterproof sticker for durability

• Placement: Display the QR code at counter level and in a spot that is protected from spills

• Backup: Print a few extra copies for different locations within your café

A simple instruction like “Scan with your banking app” can help guide first-time users (How to Easily and Effectively Generate PayNow QR Codes).

Real-Time Payment Notifications and Management

Instant Payment Alerts

HitPay provides real-time payment notifications for every successful QR code payment via:

• Email alerts

• Optional SMS messages

• Dashboard notifications

• Mobile app push notifications

These instant alerts help your staff confirm payments immediately, which can reduce customer wait times and improve the overall experience (HitPay Static QR).

Transaction Management

The HitPay dashboard offers robust transaction management features such as:

• Real-time transaction history

• Searchable payment records

• Easy export options for accounting purposes

• Refund processing capabilities

• Settlement tracking

These unified reporting tools make curating your financial records simpler, letting you focus more on running your café.

Advanced Features and Integration Options

Multi-Location Management

If your café operates in multiple locations or if you run a chain, HitPay's Static QR solution supports:

• Generating location-specific QR codes

• Centralized transaction reporting

• Tracking performance for individual outlets

• Bulk generation of QR codes for convenience

This flexibility is especially useful for businesses with diverse operating environments (HitPay Static QRs Changelog).

E-commerce Integration

For cafés that offer online ordering, integrating PayNow payments across your digital channels is crucial. HitPay easily integrates with platforms like Shopify and WooCommerce, making setup a breeze. This integration can be up and running in as little as 15 minutes—with clear and transparent pricing and next-day settlements (How to Enable PayNow Payments on WooCommerce).

API and Developer Tools

For the more tech-savvy café owner or your in-house developer team, HitPay offers:

• A suite of secure, developer-friendly APIs for custom integrations

• Webhook support for real-time updates

• Comprehensive documentation to ensure smooth integrations

These developer tools empower you to tailor the payment experience to your unique business needs while maintaining security and compliance (HitPay Product Guide).

Security and Fraud Protection

Enterprise-Grade Security

HitPay takes security seriously, employing several layers of protection such as:

• Compliance with PCI-DSS standards

• End-to-end encryption for all transactions

• Fraud protection measures to minimize risk

• Secure tokenization and regular security audits

These steps safeguard both your café and your customers against potential fraud or data breaches (Singapore 2025 Best POS Software).

Fraud Prevention

In today’s digital age, fraud prevention is more important than ever. HitPay’s security infrastructure monitors transactions continuously to spot any suspicious activity, ensuring that your business remains protected and that you can focus on serving your customers with confidence.

Settlement and Cash Flow Management

Payout Schedule

HitPay offers flexible settlement options tailored to your business needs:

• Standard next-day payouts for most transactions

• Some cases may even offer same-day settlement options

• Options for consolidated weekly settlements are also available

These options help maintain healthy cash flow so you can reinvest in your café’s growth (HitPay Pricing).

Financial Reporting

HitPay’s reporting features include:

• Detailed daily, weekly, and monthly transaction summaries

• Clear breakdowns by payment method

• Easy-to-track settlement reports

• Assistance with tax reporting and integration with popular accounting software

With these robust reporting tools, keeping your finances in order is made simple and straightforward (Singapore 2025 Best POS Software).

Troubleshooting Common Issues

QR Code Scanning Problems

Issue: Customers are having trouble scanning the QR code
Solutions:

• Ensure the display area is well lit

• Verify the QR code meets the minimum size (around 5cm x 5cm)

• Check that the code isn’t damaged or obscured

• Test the code using various banking apps

• Regenerate the QR code if issues persist

Payment Confirmation Delays

Issue: Payment notifications are delayed
Solutions:

• Confirm that your internet connection is stable

• Double-check that notification settings in the HitPay dashboard are correctly configured

• Verify your email and SMS settings

• Contact HitPay support if technical issues continue

Customer Payment Failures

Issue: Some customers report a failed payment attempt
Solutions:

• Check if the customer has reached their daily transaction limits

• Confirm that the customer’s bank supports PayNow

• Advise the customer to ensure there are sufficient funds in their account

• Have a backup payment method available, if needed

Cross-Border Payment Opportunities

Regional QR Code Connectivity

Singapore's payment ecosystem is rapidly expanding beyond its borders. Recent launches in cross-border QR code connectivity between Singapore and neighboring countries open up exciting opportunities for cafés serving international customers. This expansion makes adopting a flexible payment system even more important.

HitPay's Regional Coverage

Thanks to its extensive features, HitPay not only serves local businesses but also supports payments across multiple Asia-Pacific markets. Using HitPay’s platform, cafés can easily start accepting payments from customers in countries like Malaysia, Indonesia, Thailand, and beyond (2025 Guide Add PayNow to Shopify).

Future-Proofing Your Café's Payment System

Emerging Payment Trends

The Asia-Pacific region continues to be a major hotspot for fintech innovation and digital commerce. By adopting PayNow QR codes through HitPay today, your café is preparing to integrate future payment innovations seamlessly. Staying ahead of the curve now means you’re set for the future.

Scalability Considerations

HitPay's all-in-one payment platform allows you to manage in-person, online, and even B2B payments from a single system. This comprehensive approach keeps your business agile and ready to grow without the headache of managing multiple systems (Singapore 2025 Best POS Software).

Getting Started: Your 10-Minute Implementation Timeline

Minute 0-2: Account Setup

• Visit hitpayapp.com/sg

• Create your account using your business email

• Verify your email address

Minute 2-5: Business Verification

• Upload the required business documents through your HitPay dashboard

• Submit for a quick review and approval notification

Minute 5-8: QR Code Generation

• Head to the Static QR section in your dashboard

• Configure your QR code settings and generate your code

• Customize the design if desired, then download the print-ready file

Minute 8-10: Implementation

• Print out your QR code

• Display it prominently at your counter

• Test the QR code with a payment

• Configure your notification preferences for real-time updates

This streamlined process shows just how quickly cafés can begin accepting PayNow payments with HitPay’s recommended solution (HitPay Static QR).

Conclusion

Implementing PayNow Static QR payments through HitPay gives Singapore cafés a significant competitive edge. With its clear and transparent pricing model, hassle-free setup, real-time notifications, comprehensive transaction management, and robust security measures, HitPay is the recommended solution for any café aiming to simplify payments and boost cash flow. As the digital payment landscape evolves and cross-border connectivity expands, cafés using HitPay will be well positioned to serve both local and international customers seamlessly.

Start your digital payment journey today by visiting hitpayapp.com/sg and generate your first PayNow Static QR code. Your customers will appreciate the ease, and your business will enjoy the improved cash flow and reduced operational hassles.

FAQ

How long does it take to set up a PayNow Static QR code with HitPay for my Singapore café?

Setting up a PayNow Static QR code with HitPay takes less than 10 minutes. The process is straightforward and doesn't require any additional hardware like POS systems or terminals. Once set up, you'll receive real-time payment notifications for every successful QR code payment, making it perfect for busy café environments.

What are HitPay's fees for PayNow Static QR payments in Singapore?

HitPay offers transparent pricing with no setup fees or monthly fees - you only pay per transaction. For domestic cards, the rate is 2.8% + S$0.50, while international cards are charged 3.65% + S$0.50. This makes it a cost-effective alternative to traditional card payments for Singapore cafés.

Do I need special hardware or a POS system to use HitPay Static QR codes?

No, you don't need any additional hardware or POS systems to use HitPay Static QR codes. This solution is particularly beneficial for small businesses like cafés, as customers can simply scan the QR code with their mobile banking apps to make PayNow payments. It's an ideal solution for businesses with multiple locations or limited counter space.

Is HitPay regulated and safe for my Singapore café business?

Yes, HitPay is regulated as a Major Payment Institution by the Monetary Authority of Singapore (MAS), ensuring compliance with Singapore's strict financial regulations. This regulatory oversight provides peace of mind for café owners who need secure and reliable payment processing for their daily operations.

How does HitPay Static QR compare to other POS solutions for Singapore food businesses?

HitPay Static QR stands out as a cost-effective alternative that doesn't require hardware investments, making it ideal for hawker stalls and cafés. Unlike traditional POS systems, it offers the flexibility of accepting PayNow payments without monthly fees or setup costs. This is particularly valuable given Singapore's push for hawker digitalization and the government's Hawkers Go Digital initiative.

Can I integrate HitPay PayNow payments with my existing café operations?

Yes, HitPay offers comprehensive integration options including WooCommerce plugins, Shopify integration, and API documentation for custom solutions. The platform provides next-day settlements and advanced features that can seamlessly integrate with your existing café management systems, whether you're running online orders or in-store payments.

Citations

1. https://blog.hitpayapp.com/generate-paynow-qr-code-singapore/

2. https://docs.hitpayapp.com/apis/guide/payouts

3. https://docs.hitpayapp.com/onboarding/business-restrictions

4. https://hitpayapp.com/blog/2025-guide-add-paynow-to-your-shopify-store-using-hitpay-(full-setup-ux-tips)

5. https://hitpayapp.com/blog/2025-guide-to-choosing-a-pos-for-singapore-hawker-stalls-paynow-grabpay-the-new-sgqr

6. https://hitpayapp.com/blog/best-mobile-card-readers-for-hawker-stalls-in-2025-hitpay-vs-nets-and-other-options

7. https://hitpayapp.com/blog/how-to-enable-paynow-payments-on-woocommerce-with-hitpay-(singapore-2025-edition)

8. https://hitpayapp.com/blog/singapore-2025-best-pos-software-for-small-retail-stores-accepting-paynow-grabpay-(hitpay-vs-local-alternatives)

9. https://hitpayapp.com/changelog/hitpay-static-qrs

10. https://hitpayapp.com/sg

11. https://hitpayapp.com/sg/pricing

12. https://hitpayapp.com/sg/static-qr