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Frequently Asked Questions (PayNow QR)


 

A. About PayNow QR

1. What is PayNow QR?

PayNow QR is a new function on BOC Personal Mobile Banking app. You will be able to scan the PayNow QR code and pay at participating merchants or perform a funds transfer via PayNow QR code to your recipient.

2. Who can use PayNow QR?

All Bank of China customers who have downloaded and installed the BOC Personal Mobile Banking app on their mobile phones will be able to use PayNow QR.

3. Where can I use PayNow QR?

The PayNow QR function can be utilised at merchants that accept PayNow QR code transactions. You can generate your personalized PayNow QR code and request money from your friends

registered with PayNow Service.

Simply look out for the PayNow QR code below.

4. How do I use PayNow QR?

When making a purchase at a merchant which accepts PayNow QR transactions, a BOC Personal Mobile Banking customer simply needs to:

Step 1: Log in to BOC Personal Mobile Banking

Step 2: Tap on the Scan icon on the dashboard to activate the QR Code Scanner

Step 3: Scan the PayNow QR code on the merchant's display

Step 4: Enter the transfer amount and tap on Submit button

Step 5: Tap on Confirm button to authorise the transaction

You will receive an SMS acknowledgment upon the successful completion of your transaction.

5. What is my daily transfer limit for PayNow QR?

The maximum daily transaction limit is capped at S$1000 daily. This is a shared limit with your PayNow daily limit without SMS/eToken OTP.

6. What source accounts can I use for PayNow QR?

All single, joint-alternate and joint-all Bank of China current and savings accounts are eligible for this service. However, please note that joint-all accounts can only receive funds and cannot be used to send funds via PayNow QR.

B. Requesting money via PayNow QR

1. How do I generate my personalised PayNow QR code?

You will need to perform the following steps:

Step 1: Login to BOC Personal Mobile Banking

Step 2: Tap on the Scan icon on the dashboard to activate the QR Code Scanner

Step 3: Tap on My QR Code button

Step 4: Tap on Save QR Code to save your personalized QR in your photo album OR

Step 5: Tap on Share QR Code to share your personalized PayNow QR code across channels such as WhatsApp or WeChat

2. Can I generate my personalised PayNow QR code using BOC Personal Mobile Banking app without linking my mobile number with PayNow?

No, you will need to link your bank registered mobile number to your BOC account via PayNow Service in order to generate your personalised PayNow QR code.

C. Sending money via PayNow QR

1. How do I send money via PayNow QR?

You will need to perform the following steps:

Step 1: Log in to BOC Personal Mobile Banking

Step 2: Tap on the Scan icon on the dashboard to activate the QR Code Scanner

Step 3: Scan or upload the PayNow QR code image shared by the requestor

Step 4: Enter the transfer amount and tap on Submit button

Step 5: Tap on Confirm button to authorise the transaction

You will receive an SMS acknowledgement upon the successful completion of your transaction.

2. How will I know if my funds have been transferred successfully?

Simply log in to Bank of China Personal Online Banking or Mobile Banking App to check the status of your PayNow QR transfer 5 minutes after the transaction is completed.

Click PayNow Transfer > PayNow Enquiry to check on the transfer status.

You will also receive an SMS notification on the status of your PayNow transfer.

3. Can I send money using PayNow QR without registering for PayNow Service?

Yes, you are able to send money using PayNow QR without registering for PayNow Service.

D. Others

1. Are there any fees associated with using PayNow QR?

There are no fees associated with using PayNow QR.

2. Are there any Terms and Conditions that I would need to agree to in order to use PayNow QR?

By registering for PayNow QR, you agree to the Terms and Conditions Governing the PayNow QR, Terms and Conditions Governing the BOC PayNow Service, the Terms and Conditions Governing Accounts, the Terms and Conditions Governing Electronic Banking Services and any other specific terms and conditions set out in this FAQ.

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