SkenPay
Your Global QR Payment Platform

Pay Anywhere. Power Anyone. One App. One API.

SkenPay is two things in one: a consumer digital wallet that works across 60+ QR networks worldwide, and a B2B infrastructure platform that gives any business instant global QR payment capability.

Sign Up & Download → Business Enquiry
60+ QR Networks
140+ Countries
2-in-1 Consumer + B2B
99.9% Uptime SLA
Built for Everyone Who Moves Money.

Whether you're a consumer paying across borders or a business enabling QR payments — SkenPay has you covered.

📱 Consumer App
The wallet that works
everywhere you go.

SkenPay is your one digital wallet for QR payments across 140+ countries. Top up in your home currency, scan any QR code abroad, and pay instantly — no currency headaches, no hidden fees.

Scan any QR — PayNow, Alipay, UPI, Pix and 56 more
Real-time FX at interbank rates — no markup
Generate your own SkenPay QR to receive payments
Send money to friends globally via QR or phone number
Multi-currency wallet — hold SGD, USD, EUR and more
🍎 Sign Up & Download 🤖 Sign Up & Download
🏢 B2B Platform
The infrastructure layer
your product needs.

Plug SkenPay's global QR network into your existing wallet, fintech app, or payment platform via a single REST API or H5 integration. Your brand, your users — powered by SkenPay behind the scenes.

Single REST API or H5 — go live in days
White-label — zero SkenPay branding for your users
60+ QR networks across 140+ countries instantly
B2B partner dashboard — live transaction monitoring
Revenue share model — earn on every transaction
Request Demo → View Architecture
Your Money, Unchained
from Borders.

Most wallets only work at home. SkenPay is built from the ground up to be global — one wallet, one balance, accepted everywhere QR codes are used. Whether you're a traveller, expat, student, or global shopper, SkenPay just works.

🌏
Global QR Scan
Scan any QR in 140+ countries — Alipay, PayNow, UPI and more
💱
Live FX Rates
Interbank exchange rates with no hidden markup or conversion fees
📲
Receive Payments
Show your SkenPay QR and get paid by any wallet globally
🔐
Bank-Grade Security
Biometric auth, tokenisation, and real-time fraud monitoring
👥
Send to Friends
Transfer to any SkenPay user or QR network globally in seconds
📊
Spending Insights
Track spending across currencies with smart categorisation
🍎 Sign Up & Download 🤖 Sign Up & Download
SkenPay
●●● 100%
Total Balance
SGD 2,840
≈ USD 2,104
SGD
USD
CNY
+ 8
📷
Scan QR
📤
Send
📥
Receive
💱
Convert
Recent
🇨🇳
Alipay · Wangfujing
Today 14:22
-SGD 43.20
🇯🇵
PayPay · Shibuya
Yesterday
-SGD 28.80
👤
Received from Ahmad
Mon 09:10
+SGD 120.00
Scan & Pay
Works with 60+ wallets worldwide
✓ Detected — PayNow QR
SGD 68.00
FX: interbank rate · no fees
Confirm Payment
QR Payment in Action
Your Wallet. Any QR. Anywhere.

Businesses using SkenPay display a single dynamic QR code that any connected wallet app can scan — across borders, currencies, and networks.

PayNow
🇸🇬 Singapore
SGD 48.90
via SkenPay Network
● Live
Alipay
🇨🇳 China
CNY 320.00
via SkenPay Network
● Connected
UPI / BHIM
🇮🇳 India
INR 1,250.00
via SkenPay Network
● Live
DuitNow
🇲🇾 Malaysia
MYR 89.50
via SkenPay Network
● Live
PromptPay
🇹🇭 Thailand
THB 650.00
via SkenPay Network
● Connected
QRIS
🇮🇩 Indonesia
IDR 125,000
via SkenPay Network
● Live
Pix QR
🇧🇷 Brazil
BRL 210.00
via SkenPay Network
● Live
GCash QR
🇵🇭 Philippines
PHP 980.00
via SkenPay Network
● Connected
WeChat Pay
🇨🇳 China
CNY 188.00
via SkenPay Network
● Live
PayPay
🇯🇵 Japan
JPY 4,500
via SkenPay Network
● Live
Kakao Pay
🇰🇷 Korea
KRW 35,000
via SkenPay Network
● Connected
VNPay
🇻🇳 Vietnam
VND 250,000
via SkenPay Network
● Live
Platform Capabilities
Everything Your Wallet Needs.

A complete global QR infrastructure stack — engineered for fintech-grade reliability, compliance, and performance.

🌐

Universal QR Routing

A single dynamic QR code intelligently routes to any wallet — Alipay, PayNow, UPI, Pix, and 56+ more — with zero extra setup per network.

Real-Time Processing

Sub-second transaction confirmation with live status webhooks. Your users get instant payment feedback, every time.

💱

Multi-Currency FX

Automatic currency conversion at competitive interbank rates. Settle in your home currency or hold multi-currency balances.

🔐

Bank-Grade Security

PCI-DSS Level 1, ISO 27001 certified. End-to-end encryption, tokenization, and fraud scoring on every transaction.

📊

Analytics Dashboard

Real-time transaction monitoring, reconciliation reports, and business intelligence — accessible from a single control panel.

📋

Compliance Engine

Built-in AML screening, KYC hooks, and regulatory reporting tools. Stay compliant across every jurisdiction you operate in.

Real-World QR Payments
What Your Users See.
Powered by SkenPay.

Every phone below is using a different wallet app — all scanning or displaying QR codes routed through the SkenPay network behind the scenes.

PayNow
Receive Payment
S
SGD 48.90
Scan to Pay Me
● SkenPay Powered
Routed via
PayNow Alipay +58
Merchant Receives
Featured Flow
9:41●●● 100%
Alipay
Scanning QR Code
Point camera at any QR
✓ QR Detected — SkenPay
CNY 320.00
≈ SGD 60.80 · FX by SkenPay
Confirm Payment
Powered by SkenPay Network
Consumer Scans
QR
QRIS
Payment Successful
S
IDR 125,000
Merchant: Warung Makan Enak
✓ Pembayaran Berhasil
MethodQRIS · BCA
NetworkSkenPay
SettledInstant
RefSKN-3C9D1E
Payment Confirmed
pay.skenpay.io/checkout
🔒
H5 Web Checkout
TechStore Online
USD 89.99
Choose your wallet
Alipay
WeChat
PayNow
UPI
Or scan universal QR
Secured by SkenPay · PCI-DSS L1
H5 Web Checkout
B2B Solution Architecture
How SkenPay Fits Into
Your Business.

SkenPay operates as a middleware infrastructure layer — connecting your wallet platform to the world's QR networks through REST API or H5 integration, at both the app and backend level.

🏦 Fintech E-Wallet / Payment App Mobile App (SDK) Backend Server H5 Web Checkout 🏛️ Digital Bank Banking Platform REST API Core Banking System Webhook Events ⚙️ Aggregator Payment Gateway REST API H5 Redirect Flow Reconciliation API 🛒 Non-FI Biz Retail / Travel / Logistics H5 Web Checkout REST API Embedded Wallet 💸 Remittance Cross-Border Transfers REST API Pay-by-QR at Destination FX Settlement SKENPAY CORE PLATFORM 🔌 API Gateway REST · H5 · Webhooks Rate limiting · Auth · TLS 🧭 QR Router EMVCo QR Generator Network selector · Fallback 💱 FX Engine Real-time conversion Multi-currency settlement 🛡️ Compliance AML · KYC · Fraud Score Regulatory reporting ⚡ Settlement Real-time clearing Payout scheduling 📊 Analytics Dashboard · Reports Reconciliation · BI INTEGRATION METHODS REST API /v1/qr/generate REST API /v1/qr/status H5 pay.skenpay.io/checkout Webhook POST /notify REST API /v1/settle Dashboard portal.skenpay.io 🌏 SOUTHEAST ASIA 🇸🇬 PayNow 🇲🇾 DuitNow 🇹🇭 PromptPay 🇮🇩 QRIS 🇵🇭 GCash · PayMaya 🇻🇳 VNPay · MoMo EMVCo compliant 🇨🇳 GREATER CHINA Alipay WeChat Pay UnionPay QR Alipay HK NetsUnion Mainland + Overseas 🌏 SOUTH & EAST ASIA 🇮🇳 UPI / BHIM 🇯🇵 PayPay · LINE Pay 🇰🇷 Kakao Pay · Naver 🇦🇺 PayID · BPAY 🇧🇩 bKash · Nagad Real-time rails 🌎 AMERICAS · EUROPE 🇧🇷 Pix QR 🇲🇽 CoDi 🇬🇧 Barclays QR · Monzo 🇵🇱 BLIK 🇪🇺 Payconiq · Twint SEPA + local rails 🌍 AFRICA · MIDDLE EAST 🇿🇦 SnapScan · Zapper 🇰🇪 M-Pesa QR 🇦🇪 PayBy · STC Pay 🇸🇦 mada Pay 🇳🇬 OPay · PalmPay Mobile money rails REST API / H5 call Network routing H5 / Web checkout SkenPay Pte. Ltd. · Singapore · 60+ Networks · 140+ Countries CLIENT BUSINESSES SKENPAY INFRASTRUCTURE GLOBAL QR NETWORKS
REST API Integration

Your backend calls /v1/qr/generate → SkenPay returns a universal QR string → your app renders it → SkenPay routes the scan to the correct network automatically.

H5 Web Integration

No SDK needed. Redirect or embed pay.skenpay.io/checkout?ref=xxx in your app or browser. SkenPay handles the QR display, wallet selection, and payment confirmation.

Webhook Callbacks

After payment, SkenPay POSTs a signed event to your /notify endpoint with transaction status, FX rate, and settlement reference — so your system updates in real time.

The B2B Layer
Your Wallet Deserves.

SkenPay is a white-label infrastructure layer — not an end-user app. We power the QR payment capability inside your product so you own the customer relationship.

  • Fintech payment companies expanding QR acceptance globally
  • E-wallet providers adding cross-border QR scan functionality
  • Digital banks enabling QR payments for business clients
  • Non-FI platforms (travel, retail, logistics) with embedded wallets
  • Payment aggregators adding QR as a new acceptance rail
  • Remittance platforms enabling pay-by-QR at destination
🏦

White-Label Ready

Deploy QR payments under your own brand. No SkenPay branding visible to your customers.

🔗

Single REST API

One integration unlocks every QR network. Well-documented SDKs for fast onboarding.

🤝

Revenue Share Model

Earn on every transaction processed through your platform. SkenPay aligns with your growth.

🛡️

Dedicated Partner Support

24/7 technical support, integration engineers, and a dedicated partner success manager.

Integration
Simple Integration.
Global Reach.
01

Connect Your Wallet

Integrate SkenPay into your existing wallet or payment platform via our single REST API. Go live in days, not months.

02

Generate a Universal QR

SkenPay generates an EMVCo-compliant dynamic QR code that works across all connected networks globally.

03

Accept Any QR Scan

Your users can scan — or be scanned by — any participating wallet in our network. Cross-border, cross-currency, instant.

04

Settle Seamlessly

SkenPay handles FX conversion, routing, compliance, and settlement. You receive clean payouts in your preferred currency.

SkenPay Gateway
Q
USD 124.50
Dynamic Universal QR
Awaiting scan — 60+ networks active
Your Wallet ──────▶ SkenPay ──────▶ Any QR
Partner Dashboard
Full Visibility Into Every
Cross-Border Payment.

Your business gets a dedicated portal — log in to monitor your users' wallet transactions, track live cross-currency QR payments, and reconcile settlements in one place.

SkenPay
PARTNER PORTAL
Overview
Transactions
Users
Settlement
GrabFinancial Inc.
GF
Main
📊Overview
💳Transactions
👥Users
🌐QR Networks
💱FX & Settlement
Reports
📋Reconciliation
📈Analytics
🔔Webhooks
Live
60+ networks active
Last sync: 2s ago
Today's Volume
$284,910
↑ 12.4% vs yesterday
Transactions
3,847
↑ 8.1% vs yesterday
Active Users
1,203
Across 18 countries
Pending Settlement
$41,220
Settles in 2h 14m
TRANSACTION VOLUME — 7 DAYS
USD
Mon Tue Wed Thu Fri Sat Today $198k $285k
TOP QR NETWORKS
🇸🇬 PayNow34%
🇨🇳 Alipay28%
🇲🇾 DuitNow16%
🇮🇳 UPI12%
🇹🇭 PromptPay6%
🌐 Others4%
LIVE CROSS-BORDER TRANSACTIONS
Live
Ref
User Wallet
Merchant QR
Amount (Sent)
FX Rate
Merchant Rcv
Status
SKN-F9A2
🇸🇬 GrabPay · user_4821
🇨🇳 Alipay QR · Wangfujing Mall
SGD 128.50
1 SGD = 5.42 CNY
CNY 696.51
✓ Settled
SKN-C3B1
🇲🇾 DuitNow · user_2290
🇹🇭 PromptPay · Chatuchak Mkt
MYR 240.00
1 MYR = 7.81 THB
THB 1,874.40
✓ Settled
SKN-8D5E
🇮🇳 UPI · user_7714
🇯🇵 PayPay · Don Quijote Tokyo
INR 3,500.00
1 INR = 1.76 JPY
JPY 6,160
⏳ Processing
SKN-A17F
🇵🇭 GCash · user_3302
🇦🇺 PayID · Melbourne Airport
PHP 2,800.00
1 PHP = 0.026 AUD
AUD 72.80
✓ Settled
SKN-2E9C
🇸🇬 PayNow · user_9901
🇧🇷 Pix QR · Mercado São Paulo
SGD 55.00
1 SGD = 3.87 BRL
BRL 212.85
✓ Settled
🔐
Role-Based Access
Admin, Finance, Ops roles
📥
Export & Reconcile
CSV, PDF, API export
🔔
Real-Time Alerts
Fraud flags, failures, spikes
🌍
Multi-Currency View
See all FX rates live
👥
User-Level Drill-Down
Full per-user tx history
Pricing
Transparent. Scalable. Aligned.

Start with what you need. Scale as your transaction volume grows. No hidden fees, no per-country surcharges.

Starter
Custom / month

For early-stage fintechs launching global QR

  • Up to 10 QR Networks
  • 10,000 transactions/month
  • REST API + Webhooks
  • Standard dashboard
  • Email support
Get a Quote
Enterprise
Custom

For large-scale payment institutions & banks

  • Everything in Growth
  • Dedicated infrastructure
  • Custom compliance engine
  • SLA guarantee up to 99.99%
  • On-site integration support
Contact Sales
The world runs on QR payments.
We built the infrastructure
that connects them all.

SkenPay was founded by payment professionals who saw the same problem play out across every continent: QR payments were thriving locally, but moving money across borders by QR was still broken. Each network was its own island. Every new market meant a new integration, a new compliance stack, a new settlement arrangement.

We built SkenPay to solve this — not for consumers, but for the companies that build for consumers. Our B2B infrastructure platform gives any wallet, fintech, or payment company a single, production-grade connection to the world's QR ecosystem. One API. One partner. Every QR, everywhere.

Connected Networks
Every Major QR Scheme.
One Connection.

From PayNow to Alipay, GrabPay to UPI — SkenPay maintains live connections across the world's leading QR payment ecosystems.

🇸🇬
PayNow
Singapore
Live
🇨🇳
Alipay
China
Live
🇨🇳
WeChat Pay
China
Live
🇮🇳
UPI / BHIM
India
Live
🇲🇾
DuitNow
Malaysia
Live
🇹🇭
PromptPay
Thailand
Live
🇮🇩
QRIS
Indonesia
Live
🇵🇭
GCash QR
Philippines
Live
🇵🇭
PayMaya
Philippines
Live
🇻🇳
VNPay
Vietnam
Live
🇰🇷
Kakao Pay
Korea
Live
🇯🇵
PayPay
Japan
Live
🇦🇺
PayID
Australia
Live
🇬🇧
Barclays QR
UK
Live
🇿🇦
SnapScan
South Africa
Live
🇧🇷
Pix QR
Brazil
Live
🇲🇽
CoDi
Mexico
Live
🌐
EMVCo QR
Global Standard
Live

Ready to go global
with QR?

Talk to our team and get your wallet connected to 60+ QR networks in weeks.

Request a Demo Contact Sales