Mini Program
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    • Service Overview and Scope of Availability/Service Overview and Scope of Availability/Payment Methods

    Payment Methods

    View llm.txt

    Last edited on 2026-07-21

    Depending on the jurisdiction of the TenPay Global service provider, the available payment methods for Merchant are as follows:

    Jurisdiction of Service Provider Available Payment Methods
    Singapore PayNow
    Singapore Bank Card
    Macau BOC Mobile Banking for Macau
    Japan Bank Card

    1. Singapore

    1.1. Bank Cards

    By integrating the bank card payment functionality provided by TenPay Global, consumers can enter their bank card details and complete security verification during purchases on Merchant or Mini Program. This allows them to pay to Merchant securely.

    Basic Features

    • Supported Card Brands: Visa, Mastercard, American Express, JCB, China UnionPay
    • Card Types Accepted: Debit cards, Credit cards
    • Payment Currencies: International mainstream currencies (SGD, USD, AUD, CAD, CNY, CHF, EUR, GBP, HKD, JPY, KRW, etc.) and local currencies are supported for consumers worldwide
    • Single Payment Limit: [0.60 SGD, 15,000.00 SGD]
    • Order Validity Period: Can be specified within [0 minutes to 60 minutes]
    • Proactive Order Cancellation: Supported
    • Refund Options: Full or partial refunds via the original payment method
    • Single Refund Limit: [0.01 SGD, 15,000.00 SGD]
    • Refund Deadline: There is no time limit for initiating a refund request. However, the success rate may decrease if more than 180 days have passed since the payment was completed, depending on the processing time of the respective channel
    • Settlement Currency: SGD
    • Dispute Resolution: In case of disputes

    User Experience

    1.2. PayNow

    PayNow is an instant payment system launched by the Singapore Banks Association, enabling real-time transfers between all major banks in Singapore. Through the TenPay Global service, consumers can use their preferred bank app to scan the PayNow QR code generated for each order during purchases on Merchant Mini Program, thus completing payments to Merchant.

    Basic Features

    • Payment Currency: SGD

    • Single Payment Limit: [0.01 SGD, 15,000.00 SGD]

    • Order Validity Period: Can be specified within [30 minutes, 60 minutes]

    • QR Code Validity Period: 5 minutes

    • Proactive Order Cancellation: Not supported

    • Refund Method: Full or partial refunds are available

    • Single Refund Limit: [0.01 SGD, 15,000.00 SGD]

    • Refund Deadline: Within 90 days after payment

    • Settlement Currency: SGD

    • Settlement Hold: The partner will freeze a portion of the settlement amount based on Merchant transactions, refunds, and rejections. This is done periodically without specifying the amount in advance. Merchant will be aware of the frozen amount for each settlement batch in the summary statement.

    • Dispute Resolution: Not applicable

    User Experience

    TenPay Global The service currently supports bank card payments and PayNow in Singapore. More payment methods and countries will be added in the future. Developers are advised to stay informed.

    2. Macau

    2.1 BOC Mobile Banking

    “BOC Mobile Banking in Macau” is one of the online financial services provided by the Bank of China Macau Branch. Customers can activate the service via their mobile phones and mobile internet, enabling them to access various financial management and investment services anytime, anywhere. Through the TenPay Global service, consumers can conveniently navigate to the “BOC Mobile Banking in Macau” app for payment during transactions on Merchant Mini Program, thus completing payments to Merchant.

    Basic Features

    • Payment Currency: MOP
    • Single Payment Limit: [0.01 MOP, 50,000.00 MOP]
    • Order Validity Period: It is recommended to specify within [0 s, 999 s], with a maximum of 20 minutes. If the input value exceeds 999 s, it will still be processed as 999 s.
    • Proactive Order Cancellation: Not supported
    • Refund Method: Full or partial refunds are available via the original payment method
    • Single Refund Limit: [0.01 MOP, 50,000.00 MOP]
    • Refund Validity Period: Within 365 days after payment completion
    • Settlement Currency: MOP
    • Dispute Resolution: Not applicable

    User Experience

    3. Japan

    3.1. Bank Card Payment

    By integrating the bank card payment feature provided by TenPay Global, consumers can complete transactions on Merchant or Mini Program by entering their bank card details, mobile number, and going through security verification to pay to Merchant.

    Basic Features

    • Supported Card Brands: Visa, Mastercard, JCB, American Express, Diners Club
    • Card Types Accepted: Debit cards and credit cards
    • Payment Currencies: International mainstream currencies (JPY, USD, SGD, AUD, CAD, CNY, CHF, EUR, GBP, HKD, KRW, etc.) and local currencies are supported for payments
    • Single Payment Limit: [1 JPY, 9,999,999 JPY]
    • Order Validity Period: Can be specified within [0 minutes, 60 minutes]
    • Automatic Order Cancellation: Not available
    • Refund Process: Full refunds are supported; partial refunds are not currently available
    • Single Refund Limit: [1 JPY, 9,999,999 JPY]
    • Refund Validity Period: 180 days
    • Settlement Currency: JPY
    • Minimum Settlement Amount: 20,000 JPY
    • Maximum Settlement Amount: 6,000 USD
    • Excess Settlement Handling: If the actual settlement amount of a single batch exceeds 6,000 USD, the excess portion will be combined with the next batch for payment
    • Circular Deposit: Partners must pay a fixed percentage deposit based on each transaction to Japanese Merchant. This deposit is released after 180 days along with the settlement batches
    • Settlement Holding Funds: Partners may have part of their settlement funds held temporarily by Merchant based on transaction, refund, and chargeback details. The exact amount is determined periodically and without prior notice. Partners can see the held amount in the settlement summary statement
    • Dispute Resolution: In case of disputes

    User Experience

    TenPay Global The service currently supports "Bank Card Payment" and "PayNow" in Singapore, "Banco de Macau Mobile Banking" in Macau, China, and "Bank Card Payment" in Japan. More payment methods and regions will be added in the future. Developers are advised to stay informed.