BHIM

+ -

BHIM is a mobile payment app developed by the National Payments Corporation of India (NPCI), based on the Unified Payments Interface (UPI).

Banks on the UPI platform will have their own BHIM UPI app. BHIM enables users to transfer money instantly between bank accounts of any two parties. It can be used on all mobile devices.

With BHIM UPI, users can send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a QR code with account number and IFSC code or MMID).

+ -

Tourists from India who have downloaded their bank BHIM UPI app can use the app to make payments at selected merchants in Singapore.

Any smart phone with the ability to download apps from the App Store (Apple) or Google Play (Android) will be able to install the BHIM application.

+ -

Merchants are able to capture the Indian visitors market by offering them a more convenient way to pay while shopping and dining in Singapore.

In addition, by working with NETS, merchants are able to achieve operational efficiency by reducing trips to the bank and minimizing coin-handling costs.

+ -

Merchant with an existing NETS Terminal and/or SGQR sticker or are intending to apply for one are eligible to subscribe for BHIM acceptance.

+ -

BHIM acceptance is only available via SGQR sticker or dynamic QR from terminal with NETS.

For New Merchants

Visit our website to submit the online enquiry or call NETS customer service hotline at +65 6274 1212.

For Existing Merchants

Write in to merchantservices@nets.com.sg to indicate your interest.

+ -

NETS will provide merchants with BHIM acceptance decal(s) to display within your stores.

+ -

1.8% transaction rate is applicable for BHIM acceptance on dynamic NETS QR and static SGQR, in addition to the existing terminal subscription fees.

For existing merchants with NETS issued terminals, you may choose to request for an SGQR sticker that share the same TID as the terminal at no additional monthly subscription charge.

Do note that in the event that you decide to return the terminal, by default, the SGQR sticker will be terminated as well.

To continue accepting payment via SGQR sticker, you will need to reapply again.

Should a separate TID be required for the requested SGQR sticker, the usual fees will apply.

+ -

After NETS receives the relevant application documents, our personnel will fulfill the respective requests.

For New and Existing merchants,

  • Terminal: 3 working days (for self-collection)

For merchants who require technicians to install the terminals at their outlet, please note that installation fees apply and the deployment date is to be advised, depending on the deployment schedule.

  • Static QR: 5 to 7 working days (for self-collection only)
+ -

Simply get the consumer to launch their BHIM app, select the scan QR function before directing their cameras towards your store’s QR code.

For SQQR sticker, consumers will need to key-in the purchase amount in SGD. The BHIM app will automatically convert the SGD amount to INR. Guide the consumer to check the acknowledgment box and click ‘Pay’ to proceed with payment. The BHIM app will prompt the consumer to key-in their UPI PIN to complete the transaction.

For dynamic NETS QR, the BHIM app will display both the purchase amount in SGD and the converted amount in INR. Guide the consumer to check the acknowledgment box and click ‘Pay’ to proceed with payment. The BHIM app will prompt the consumer to key-in their UPI PIN to complete the transaction.

For complete instruction on payment acceptance and settlement, please refer to merchant acceptance guide.

+ -

For SGQR Stickers

Merchant can verify payment by viewing the success notification prompt via your NETSBiz app. Should the transaction be declined, no notification prompt will appear.

If the NETSBiz app does not display a success notification:

  • Check that the merchant has updated to the latest version of the app and reopen the app to view transaction history.
  • Even though the consumer app displays success, the merchant should not render the goods and services. They should advise the consumer to complete the transaction via other means, and initiate the refund process with them directly.

For Dynamic NETS QR

Merchant can verify payment from the receipt printed out by the NETS terminal.

+ -

Yes, for transactions made via SGQR stickers and dynamic NETS QR, consumers can get the receipt via Terminal. In addition, consumers may view the receipt via the ‘Transaction History’ feature in the BHIM app.

+ -

Merchants should always deem the response notification from the NETSBiz app (for SGQR stickers) and NETS Terminal (for dynamic NETS QR) as the final transaction response.

For example, if the consumer's BHIM app indicates a successful transaction, but merchant’s NETSBiz (static SGQR) app reflects the transaction as unsuccessful, the transaction did not go through. Merchants can opt to attempt to perform the transaction again.

+ -

As there is no refund system for QR, merchants can refund their customers by cash. Please note that merchants should have some form of documented acknowledgement from their customers to prove that the refund has been given and accepted.

+ -

For transactions via the SGQR sticker, you can view your daily sales totals and your transaction history via the NETSBiz app.

For merchants with dynamic NETS QR terminal, you can view the transactions on MConnect on the next day (T+1).

+ -

For reconciliation purposes, merchants may check the NETSBiz app for the transactions made via  the SGQR sticker.

For transactions made via Dynamic NETS QR, merchants may refer to the total amount printed on the settlement slip.

For settlement purposes, merchants may refer to Merchant Connect on the next day for a consolidated view of transactions done through either SGQR sticker or Dynamic NETS QR.

+ -

Payments credited to your account will be in SGD. Transaction amounts are also display in SGD on the digital receipt.

+ -

For transactions that take place before 10:30pm, NETS will credit the sales proceeds directly into your bank account by the next working day.

+ -

Consumer Dispute

Consumer will need to contact their issuing bank and provide the supporting documents for the dispute. NETS will contact the merchant to investigate if the claim is valid.

Merchant Dispute

Please call our customer service hotline at 6274 1212 for further assistance. Merchants must request for refund processing within 90 days from the date of the applicable transaction. 

Merchants must provide:

  • TID
  • STAN No.
  • Date/Time of Transaction
  • Amount

Our customer resolution team will conduct a thorough investigation, of which their judgement is final. 

In the event that NETS approve the refund request, merchants are to follow the instructions from by the NETS customer service personnel.

+ -

Merchants who wish to terminate the BHIM acceptance service must complete and submit a written notice via mail or email. Termination will take about 7 working days before the desired date of termination.

During this notification period, merchant are still required to accept BHIM payments.

+ -

Yes, merchants may continue using the same SGQR sticker to accept payments from DBS PayLah!, OCBC Pay Anyone and UOB Mighty. Please remove any indication of BHIM acceptance in your store (i.e. decal etc).

+ -

As part of the merchant onboarding process, new merchants will receive training by our NETS personnel.

For existing merchants who wish to receive further training or get a refresher course, please email us at merchanttraining.com.sg and we will contact you to arrange a suitable training date.

+ -

Merchants may wish to contact NETS at:

NETS Customer Service Hotline: 6274 1212

Operating Hours: 24-hour (Monday – Sunday & Public Holidays)

Or log a ticket via https://www.nets.com.sg/contact-nets

+ -

NETS is in-charge of all merchant related enquiries. For consumer enquiries, they can contact NPCI Call Centre at Phone - 022 4000 9100 or visit https://www.npci.org.in/get-touch

MyDebit

+ -

MyDebit is a Malaysian debit card scheme or ATM card issued by 22 banks, with 43 million cards in circulation. NETS currently accepts MyDebit cards issued by Public Bank Berhad.    

+ -

Every year, Malaysians make close to a million visits to Singapore, spending more than SGD 800 million in yearly tourism receipts.

Accepting MyDebit cards means that your Malaysian consumers never have to miss out on purchases due to insufficient cash.

+ -

A transaction fee of 1.8% will apply for each MyDebit transaction. 

For new merchants, this transaction fee is in addition to initial terminal set up charges and monthly fees relating to terminal subscription/NETS transactions. 

For existing merchants adding on MyDebit acceptance, the following initial set up charges will be assessed: 

  • $50 transport fee (per location) 
  • $10 for the configuration of MyDebit (per terminal) 
  • $10 for the retrieval of the old terminal (per terminal)
+ -

The terminal models which currently support MyDebit transactions are ICT 220/250 and IWL 250.

If your terminal model is not supported and you wish to apply, NETS will facilitate a terminal upgrade. The above stated charges will apply.

+ -

Please complete the Application for NETS Terminals and SGQR Stickers form and submit it via email to info@nets.com.sg.   

If you have multiple terminals, please note that by applying for MyDebit acceptance, you will be set up for MyDebit acceptance across all your NETS terminals.

Upon receipt of your request, NETS will contact you to complete the application process and arrange for an appointment to configure your terminal for MyDebit acceptance.

+ -

MyDebit purchases can be made with PIN, or via contactless transaction. A threshold of SGD 70 applies for contactless transactions, upon which customers will be prompted to enter their PIN. Daily limits may apply as per each cardholder’s bank policy.

+ -

Step 1: Select ↓ to find “MYDEBIT”

Step 2: Select “Purchase” to enter transaction amount

Step 3: Enter Reference number (Ref No.)

Step 4: Insert/Wave MyDebit card

Step 5: Customer keys in PIN (for Contact or Contactless $>70)

Step 6: Receipt is printed

+ -

You will be given a MyDebit acceptance decal to be placed within your stores.

+ -

Consumers can refer to their purchase receipt to view the transaction amount in both SGD and MYR, as well as the exchange rate applied.  

+ -

You can void a transaction within the same day of the transaction. Please note that merchants can only void a transaction once.

Should the void transaction fail, you may like to refund the customer in cash. For cash refunds, please record details of refund and obtain the customer’s signature as acknowledgement. This would serve as supporting documentation, in the unfortunate scenario of a customer dispute.

+ -

Step 1: Select ↓ to find “MYDEBIT”

Step 2: Select “Void”

Step 3: Select “1. RETR from Term Log”

Step 4: Enter “Sequence Number:” (i.e. Previous transaction STAN No.)

Step 5: Confirms Details and press “Enter”

Step 6: Enter Reference number (Ref No.)

Step 7: Insert/Wave MyDebit card

Step 8: Receipt is printed

+ -

Payments will be credited into your account in SGD the next day, similar per other NETS transactions.

+ -

You can view MyDebit transactions on the mConnect Portal, under the cross-border section, in the Daily Settlement view.

+ -

Please reach out to us at merchanttraining@nets.com.sg, and we will contact you to arrange a suitable training date.

WeChat Pay

+ -

You can accept overseas wallets by applying for the NETS QR service.  You can choose to sign up for NETS QR either via a NETS Terminal, an SGQR sticker or both. Tourists will scan the NETS QR with their mobile payment app to make payment.

As a NETS QR merchant, you will also by default be able to accept local QR payments via the following mobile apps and wallets - NETSPay, DBS’ PayLah, OCBC’s Pay Anyone and UOB’s Mighty.

+ -

At the moment, only WeChat Pay is available. We will be accepting more wallets in the near future.

+ -

Please indicate your interest to us via the Online Enquiry button. 

+ -

Please complete the Application for NETS Terminals and SGQR Stickers form and submit it via the Online Enquiry button.  

+ -
  1. Consumer scans QR with their payment app
  2. Amount will be displayed to the consumer in their local currency
  3. Consumer confirms payment and transaction is complete
+ -
  1. Consumer scans QR with their payment app
  2. Consumer keys in amount to be paid
  3. Amount will be converted and displayed to the consumer in their local currency
  4. Consumer confirms payment and transaction is complete
  5. Merchant receives confirmation via the NETSBiz App
+ -

You will be given an acceptance decal to be placed within your stores.

+ -

You can verify payment by viewing the successful payment notification via your NETSBiz App.

+ -

It allows businesses to receive notifications when a consumer-initiated payment is made via NETS QR Stickers. It also allows you view your daily sales totals, and transaction history in real-time.

+ -

For transactions made via SGQR stickers, consumers may view the information via the ‘Transaction History’ feature in WeChat Pay.

For transactions made via NETS QR on terminal, a copy of the receipt will be printed from the terminal by default for the consumer to keep.

+ -

Merchants should always deem the successful payment notification from the NETSBiz App (for SGQR stickers) or terminal (for NETS QR on terminal) as the final transaction response.

For example, if the consumer’s mobile phone indicates a successful transaction, but your terminal reflects the transaction as unsuccessful, the transaction did not go through. You can opt to attempt to perform the transaction again.

+ -

For transactions initiated via the SGQR sticker, you can view your daily sales totals and your transaction history via the NETSBiz App.

Please note that your terminal's daily sales total will not reflect transactions initiated via the SGQR sticker.

+ -

In your mConnect Portal, you can view transactions by referring to the ‘Source of Funds’ column, which will reflect the name of the wallet used by the consumer. The ‘Channel’ column will either display ‘Terminal’ or ‘Static QR’. This reflects whether the transaction was initiated via your terminal or the SGQR sticker respectively. The transaction amounts displayed are in SGD.

+ -

The payments will be credited to your account in SGD. Transaction amounts will be displayed in SGD on the printed receipt.

+ -

QR codes are a form of bar code that has your unique merchant information securely embedded within. Your customer will just need to scan the QR with a payment app, and enter the payment amount to make payment.

+ -

The Singapore Quick Response Code (“SGQR”) is an industry initiative co-led by MAS and IMDA to streamline QR payments into a single SGQR sticker for consumer payments. As a merchant, this means you will only need to display one QR Label – the SGQR – which consolidates the payment schemes of your choice. 

+ -

You can provide us with your SGQR ID. You will receive a replacement SGQR sticker, with both the payment logos of NETS and your existing merchant acquirer(s).

+ -

Your SGQR sticker will be replaced to include the payment logos of both NETS and the merchant acquirer you sign up with.

+ -

Refer to our acceptance guide or write to reach out to us at merchanttraining@nets.com.sg and we will contact you to arrange a suitable training date.

Did not find what you were looking for?

Online Enquiry Call Us Visit Us
Reception

(65) 6272 0533

NETS Customer Service Hotline

(65) 6274 1212

Operating Hours:

8:30am to 5:30pm (Mondays -Fridays)

8:30am to 12:30pm (Saturdays)

We are closed on Sundays and Public Holidays

Operating Hours:

24-hour (Monday - Sunday)

NETS Main Office

298 Tiong Bahru Road #06-01 Central Plaza
Singapore 168730


Operating Hours:

8:30am to 5:30pm (Mondays -Fridays)
8:30am to 12:30pm (Saturdays)