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UPI

UPI

Indian Instant Payments

VS

PayNow

Singapore transfers

PayNow
Fees from
Free for users vs Custom
Features

2 shared

Regions

1 shared

1 unique to PayNow
Pay methods

2 shared

2 unique to UPI · 2 unique to PayNow
On region

PayNow covers 2 regions; UPI covers 1. Verify directly with each provider before signing.

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Show full specs
2 features · 6 payment methods · 2 regions. We don't rank these — they're here for reference.
UPI UPI
PayNow PayNow
Quick Facts
Fees
Standard transaction rate
Free for users
Custom
Settlement
Time to receive funds
Instant
Instant
Founded
2016
2017
Headquarters
Mumbai, India
Singapore
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Instant Payout
✓
✓
Low Fees
✓
✓
Payment Methods
Bank Transfer
✓
✓
Mobile Payment Unique
✓
—
Paynow Unique
—
✓
Qr Code
✓
✓
Real Time Payments Unique
—
✓
Upi Unique
✓
—
Regions
PayNow leads (2 vs 1)
Asia
✓
✓
Southeast Asia Unique
—
✓

UPI is best when you...

Indian Instant Payments
View UPI

PayNow is best when you...

Singapore transfers
Want coverage in Southeast Asia
UPI doesn't cover this region
View PayNow

Frequently Asked Questions

What is the difference between UPI and PayNow?
They share 2 payment methods and 1 region. UPI adds Mobile Payment, UPI that PayNow does not list; PayNow adds PayNow, Real-Time Payments that UPI does not list; PayNow also covers Southeast Asia.
Which is cheaper, UPI or PayNow?
UPI has published rates from Free for users; PayNow has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use UPI and PayNow?
UPI lists 1 region and 4 payment methods; PayNow lists 2 and 4. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do UPI and PayNow compare on integration and settlement?
UPI offers a sandbox, PayNow does not list one; both support webhooks; UPI settles in Instant, PayNow in Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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