Journal · Settling up
Settle up in seconds with instant transfers
PayNow, DuitNow, PromptPay, PayID, UPI and more: settle up at the table, safely.
The days of counting cash and finding change are mostly over. In most of our markets, you can pay a friend back in seconds with a phone number or a QR code.
What people use
| Market | Common instant transfers |
|---|---|
| Singapore | PayNow (phone number, NRIC or UEN, or QR) |
| Malaysia | DuitNow (phone number or QR) |
| Philippines | InstaPay, GCash, Maya |
| Indonesia | BI-FAST, QRIS |
| Thailand | PromptPay |
| Hong Kong | FPS |
| India | UPI |
| Australia | PayID with Osko |
| USA | Zelle, Venmo, Cash App |
Fees, limits and how fast money arrives depend on your bank or wallet. Check them in your own app.
Settle at the table
The best time to settle is before anyone leaves. The person who paid shows their QR code, and everyone scans and pays their share. It takes a minute and nobody has to remember later.
Use a clear reference
Add a short note such as "Dinner 8 Nov" or "Bali villa". It helps both of you match the payment later.
Check the name before you send
Instant transfers are hard to reverse. Most apps show the account name before you confirm. Check it is your friend, not someone with a similar number.
Stay safe
- Never share one-time passwords or PINs, even with friends.
- Be careful with payment links from unknown numbers.
- Your bank will never ask for your password by message.
Paying friends abroad
Instant transfers usually work only inside one country. For friends overseas, use your bank's international transfer or a money transfer service, and agree on who pays the fee.
With Perpax
Perpax, coming soon from Goldmend Money, will show exactly how much each person owes. Payment links for PayNow, DuitNow and others are planned for a later version.
General information, not financial or legal advice. Figures are examples. Check your receipt and official sources.