Included with every paid plan, trials too. No fee per payment.Start free

Snap Pay

Paid by PayNow.
Confirmed on its own.

Your customer scans your PayNow QR. Snap Pay spots the money in your business account and confirms the booking, shop order or invoice for you. No card fees, and no checking your bank app.

Start free See how it works

Built for small businesses in Singapore. Included with every paid plan, free for now.1

Snap Pay · todayOn
1
Customer scanned your PayNow QRBooking BK-0412 · Sports massage, 60 min
2:14pm
2
Payment arrived in your accountReference BK-0412 X7KP · exact amount
S$80.00
✓
Booking confirmed, customer emailedInvoice INV-0231 sent · sale in your P&L
2:15pm

From scan to confirmed, with nobody opening a banking app.4

Turn it on once.
Stop checking.

01

Connect your account

Give Snap Pay a read-only key to your business account. A step-by-step guide walks you through it in about five minutes.3

02

Your customer pays

They scan your PayNow QR. The amount and a unique reference are locked in, so they cannot be typed wrong.

03

Snap Pay spots it

It looks for a payment carrying that exact reference and that exact amount, to the cent. Nothing else counts.

04

Confirmed for you

The booking, order or invoice is confirmed, the customer is emailed, and the sale lands in your P&L.

What comes out of
one payment.

BK-0412 · Sports massageConfirmed
PayNow received, exact amountS$80.00
Matched by referenceBK-0412 X7KP
BookingConfirmed
Confirmation emailSent
InvoiceINV-0231, paid
GST included, code SRS$6.61
In your P&LS$73.39

No fee came off the S$80. PayNow goes straight from your customer’s bank to yours. There is no card gateway in the middle taking a cut.

Nobody had to look. Not you, not your staff. The customer had their confirmation within a minute or two of paying.

A near miss is shown, never guessed. The right reference on the wrong amount is flagged for you to check, and never confirmed on its own.

How we compare

Snap Pay vs a card payment gateway

A card gateway confirms payments by itself too, and takes a percentage of every sale for doing it. Plain PayNow costs nothing, but somebody has to open the bank app and tick each one off.5

Snap Pay
A card payment gateway
Payment confirmed without you checking
Yes
Yes
Fee on each payment
None from us
A percentage, often plus a fixed amount
When the money reaches you
Straight away, into your own account
Paid out later, less fees
Booking, order and invoice updated
Confirmed, emailed and in your P&L
Depends on what it is connected to
Customers without a Singapore bank account
Not for them, PayNow is local
Cards from anywhere
Works with any business bank
A supported business account today, more to come
Pays out to most banks
What it costs
Included with every paid plan, from S$10 a month
Fees on every sale

Price

Included with every paid plan.
No fee per payment.

Any paid plan turns Snap Pay on, including a trial. That is free for now; if PayNow or the bank changes its own rules or fees, the price may change, and we will tell you first.1

Free plan
S$0
forever, no card
  • PayNow QR with the amount locked
  • Customers tap “I have paid” and you are told
  • You confirm each payment yourself
Start free
Any paid plan
from S$10 / month
or Pro 365 at S$365 a year · trials count
  • Snap Pay on: payments confirm themselves
  • Bookings, shop orders and invoices
  • No fee on any payment
See Pro 365
Snap PayOn
Business accountConnected, read only
Last checkedToday, 2:15pm
BookingsConfirm themselves
Shop ordersConfirm themselves
InvoicesConfirm themselves

One setting for the whole business. Turn it on from any settings page and it is on everywhere.

What Snap Pay confirmedThis week
BK-0412 · bookingS$80.00
SHOP-0077 · shop orderS$42.50
INV-0229 · invoiceS$1,200.00
BK-0409 · bookingS$120.00
Confirmed for youS$1,442.50

Every payment it confirmed, with the bank’s own reference beside it.

Features

Everything in it.

Where it works

  • Bookings: a paid appointment, class place or event slot confirms itself
  • Shop orders: a paid order moves to preparing, with stock taken off
  • Invoices: the payment is recorded, including a part payment

The PayNow your customers know

  • A PayNow QR with the amount locked2
  • A unique reference on every payment, filled in for them
  • Pays from DBS, POSB, PayLah!, UOB, Citibank and most Singapore banking apps

Matching you can trust

  • Exact reference and exact amount, to the cent
  • One payment settles one thing, never two
  • Near misses shown to you, never confirmed on their own

“I have paid” still works

  • Customers can tap it as they always could
  • You are told straight away on Telegram
  • Snap Pay starts looking for the money at once

How often it checks

  • Bookings and orders every few minutes while payment is due
  • Invoices four times a day, and every few seconds after “I have paid”
  • An unpaid hold that was really paid is rescued before it expires

Safe by design

  • A read-only key: nothing in Snapbook can move your money
  • Stored encrypted and never shown again
  • One setting for the business, only the owner or a co-owner can change it

This is not the end
of this module.

Ask for something and it gets built. Every account has a Feedback button that raises a real ticket, read by the person who writes the code. If it would help more than one Singapore business it goes into the module and lands in every account, usually by the next working day.

Bank with somebody we do not support yet? Tell us which. More business accounts are on the list, and the ones people ask for move up it.

Before you sign up, [email protected] reaches the same place.

From a customer

“An entry point for a small start-up, without being overwhelming.”

“Looking for an easy way to manage my small business, I came across Snapbook.AI. This solution has an entry point for a small start-up, not overwhelming, while having more sophisticated features for future scaled-up operations. Had a chance to speak to the founder Kevin and was greatly encouraged that he listens to his clients, big or small, and is always open to see how he can improve the client experience. Snapbook.AI not only provides a solution, but provides the relationship management as if you are a big corporate. Very glad to chance upon this software.”

Shirley Ong · Pangolin Creatives Pte Ltd

Read every review

It does not stop at the payment

The rest of your back office is on the same system.

The payment Snap Pay confirms is the same booking in your diary, the same order in your shop, the same invoice your customer was sent, and the same sale in your P&L.

PayNow received→ Confirmed→ Customer emailed→ In the P&L→ GST worked out

Pro 365 is every module for S$365 a year, Snap Pay included, plus every module we build after you subscribe.

See Snapslot See Snapshop See Pro 365

Questions

Frequently asked.

What does Snap Pay cost?

Nothing extra. It is included with every paid Snapbook plan, from S$10 a month, and with trials. There is no fee on any payment. That is the price for now; if PayNow or the bank changes its own rules or fees, it may change, and we will tell you before it does.

Which bank account do I need?

A business account we support. Today that is one Singapore business account provider, and the setup screen names it and walks you through connecting it. More are on the list. If yours is not supported yet, tell us which bank, and you can still take PayNow and confirm payments yourself.

Which apps can my customers pay from?

DBS, POSB, PayLah!, UOB, Citibank and most other Singapore banking apps. They scan your PayNow QR as they would anywhere else. A few payment apps cannot pay this kind of PayNow address yet; those customers can use another app, or pay another way and you confirm it yourself.

Can Snapbook move money out of my account?

No. Snap Pay uses a read-only key that can only see transactions. It is stored encrypted, never shown again, and nothing in Snapbook can make a payment. You can turn Snap Pay off at any time.

What if a customer pays the wrong amount?

It is not confirmed. Snap Pay only confirms a payment with the exact reference and the exact amount. The right reference on the wrong amount is shown to you as a near miss, so you can decide what to do.

Can customers still tap “I have paid”?

Yes. It tells you straight away, and Snap Pay starts looking for the money at once, so most payments are confirmed within a minute or two.

What happens if the bank connection stops working?

You confirm payments yourself, exactly as before, and nothing already recorded is lost. Snap Pay depends on the bank’s own connection; we work hard to keep it running, but if the bank changes or stops it, Snap Pay pauses until it can be fixed.

Does it work on the free plan?

The free plan gives you a PayNow QR with the amount locked, and customers can tap “I have paid”, but you confirm each payment yourself. Any paid plan, including a trial, turns Snap Pay on.

Stop checking your bank app.

Take PayNow for your bookings, shop and invoices, and let Snap Pay tell you when the money is in.

Start free, no card See Pro 365
  1. Snap Pay is included with every paid Snapbook plan, including a trial or an access period, and is not available on an account using only free plans. Snapbook charges no fee on any payment. This is the position as at September 2026. Because Snap Pay relies on PayNow and on your bank, its price or how it works may change if their rules, fees or services change; we will tell you before any change to what you pay. Your bank’s own charges, if any, are between you and your bank.
  2. The PayNow QR follows the EMVCo standard, and the amount in it cannot be changed by the person paying. The money goes directly from your customer to your own account; Snapbook does not hold or move it. Most Singapore banking apps can pay it; a few payment apps cannot yet pay this kind of PayNow address, and those customers can pay another way.
  3. Snap Pay works with a supported business account and needs a read-only key that you create in that account. It depends on the account provider’s own connection, which Snapbook does not control. We work hard to keep it running, but if the provider changes, limits or stops that connection, Snap Pay may stop confirming payments until it is restored; payments can always be confirmed by hand.
  4. The screens on this page are drawn to show how Snap Pay works, not photographed, and every name and figure in them is invented. How quickly a payment is confirmed depends on when your bank shows it as settled.
  5. The comparison is with a card payment gateway as a category, and not with any one named provider. Providers differ, and some rows will be true of some of them and not others. If a row here is wrong, tell us at [email protected] and it will be corrected.