Accounts Receivable | PayNow / Payment Links

The reference travels with the payment. So the receipt matches itself.

Every invoice carries a PayNow QR and a card link, and both carry the invoice reference. The customer pays without typing your account number, and the credit arrives already identified. The alternative, which most teams live with, is a bank line that says nothing except an amount, and an AR clerk guessing which of four open invoices it settles.

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What the system does

Capability, input, output.

Capability	Input	Output
PayNow QR on invoice	Invoice + your PayNow Corporate registration	QR addressed by UEN, carrying the invoice reference
Card and bank link	Invoice + gateway config	Hosted payment link on the invoice and in the reminder email
Reference-led matching	Incoming credit + reference	Receipt allocated to the invoice without a human deciding
Partial and overpayment	Amount received against invoice value	Balance left open, or the excess held as an advance
Charge handling	Gateway or bank charges	Auto-categorised to GL, kept off the customer balance
Refunds	Refund trigger	Refund raised and the customer ledger updated

PayNow QR on invoice

Input

Invoice + your PayNow Corporate registration

Output

QR addressed by UEN, carrying the invoice reference
Card and bank link

Input

Invoice + gateway config

Output

Hosted payment link on the invoice and in the reminder email
Reference-led matching

Input

Incoming credit + reference

Output

Receipt allocated to the invoice without a human deciding
Partial and overpayment

Input

Amount received against invoice value

Output

Balance left open, or the excess held as an advance
Charge handling

Input

Gateway or bank charges

Output

Auto-categorised to GL, kept off the customer balance
Refunds

Input

Refund trigger

Output

Refund raised and the customer ledger updated

Compliance + integrations

Collections that land in the books, not in a queue.

The point of the link is not that paying is easier, though it is. It is that the payment arrives carrying enough information to post itself, which is what removes the AR clerk from the middle of every collection.

Regulations we work within

PDPA 2012

Customer contact data used for the collection it was given for, and no further.
PCI-DSS (gateway-side)

Card data is handled by the gateway. OneFinOps never stores a card number.

Connects to

PayNow Corporate Collect addressed by your UEN
Bank feeds Credits matched back to the invoice
Xero Receipt posted back to the books
QuickBooks Receipt posted back to the books

PayNow / Payment Links FAQ

What buyers ask.

Which payment gateway do you use?

Ask us and we will tell you which are live today rather than list logos here. PayNow collection works through your own PayNow Corporate registration, so that side does not depend on a gateway at all.

What if the customer pays without using the QR or the link?

That still happens, and it is exactly the case the matching engine is built for. The credit is matched on amount, narration and customer history instead of on a reference, with a confidence score. Anything the engine is not sure about goes to a review queue rather than being posted on a guess.

Can overseas customers pay this way?

PayNow is domestic, so an overseas customer uses the card link or a transfer instead. Those receipts come in in their own currency and allocate against the invoice with the realisation rate stored on the entry.

Do the bank charges come out of what the customer owes?

No. A charge deducted in transit is categorised to its own GL rather than written off against the customer balance, so the ledger keeps showing what they actually owe. Otherwise every collection quietly understates the receivable by a few dollars.

Related features

Put a link on your next invoice.

Connect one entity, free. Issue one invoice with the QR and the link attached, and watch the receipt allocate itself when it is paid.