Scan to Pay FAQ
Scan to Pay is a new feature within Pay that allows OKX Singapore users to pay merchants instantly using Digital Payment Tokens (for example, stablecoins) by scanning a GrabPay merchant's QR code.
When you scan a GrabPay merchant’s QR code, you're paying merchants using your stablecoins (for example, USDT or USDC) from your Pay account directly. Merchants, in turn, receive Singapore Dollars (SGD).
This feature is designed to make crypto spending as simple as using cash or a debit card.
Who can use Scan to Pay?
All OKX Singapore users are eligible.
Simply set up your Pay and start paying with stablecoins on X Layer.
Where can I use it?
Scan to Pay works with any merchant in Singapore that’s part of the GrabPay network—Retail shops, lifestyle outlets, cafes or restaurants that accept GrabPay QR codes.
Note: Scan to Pay doesn't work for OKX Singapore users outside of Singapore, even if the merchant accepts GrabPay.
Examples of where you can Scan to Pay:
Cafés: BreadTalk, Cedele, Co+Nut+ink, Lavender Bakery, LiHo Tea, Paris Baguette, Duke Bakery
Dining: Jumbo, Tung Lok, En Yeoh's Bak Kut Teh, Pizza Maru, Subway, Woke Ramen
Shopping: Dyson, Innisfree, JD Sports, Lovet, SK Jewellery
Health & Beauty: Jean Yip, Yun Nam Hair care, V Medical, A.M. Aesthetics, Cosmic Beauty Bar
Electronics: Best Denki, Gain City, Harvey Norman, iStudio, Samsung
Note: the examples provided above are for illustrative purposes only. They are subject to change and may vary.
How do I use the 'Scan to Pay' feature?
Navigate to Pay mode within your OKX app. Select Get Started, then Activate Pay to create your Pay wallet. For more details, please refer here. Once done, you can start using Scan to Pay.
Select Scan to Pay to and scan a GrabPay QR code with the QR code scanner
Scan the QR code to make the payment
Enter the SGD payment amount if it’s not pre-filled
Select either USDT or USDC, review the real-time conversion quote, and select Pay
Sign the transaction with your Passkey
FAQ
Why are some SGQR codes with Grab/GrabPay logos not supported?
OKX Pay only supports QR codes/merchants within Grab/GrabPay network. Some SGQR codes may display the Grab or GrabPay logo, but are not actually processed through the GrabPay network.
For examples of where you can Scan to Pay, refer here.
How do I know if the payment went through?
After the payment is confirmed, one of these statuses will appear:
Completed – Payment was successful.
Declined – Rejected by GrabPay.
Failed – Technical issue or expired QR code.
A push notification with the result will also be sent.
Why was my payment rejected at a GrabPay merchant when using OKX Pay?
OKX Pay is a new payment solution. While it is already integrated with GrabPay, some GrabPay merchants may not yet be familiar with it. This could cause your payment to be declined, even though OKX Pay is accepted.
If you encounter this, please reach out to our support team.
We are continuously working with GrabPay to ensure smoother acceptance everywhere.
How do I access the QR scanner?
You can open the QR scanner in two ways:
Select Scan to Pay on the Pay homepage.
You can proceed to scan the QR code from the Pay homepage
Select the universal QR code entry point at the top of the Pay option or User Center.
You can proceed to scan the QR code from the User center
Which QR codes can I scan?
OKX Pay supports both static and dynamic GrabPay or SGQR codes presented by GrabPay merchants. PayNow, Alipay, WeChat Pay, and other QR codes are currently not supported yet.
Can I upload a QR code instead of scanning?
Yes, you can upload a QR code from your photo album.
Which crypto tokens can I pay with?
You can pay with USDT or USDC on X Layer that are held in your Pay account. Scan to Pay with other crypto tokens or networks are currently not supported yet.
Can I cancel my payment?
You can cancel your payment as long as you haven't confirmed the payment with your Passkey. If you decide not to proceed, simply close the Passkey signing window.
However, once you've signed the transaction with your Passkey, the payment will be recorded on-chain and can't be reversed.
What are the fees for Scan to Pay?
There are no gas fees or transaction fees charged for Scan to Pay. A spread will be included in the quoted conversion rate for USDT/USDC to SGD to facilitate instant conversion for payment.
Are there any limits?
Per-transaction limits:
Minimum 0.05 SGD
Maximum 50,000 SGD
Daily limit (per 24 hours): Up to 10,000 USD equivalent
Two-factor authentication (2FA) verification will be required when making payments above 10,000 USD or any subsequent payments above the daily limit.
What happens if my payment fails or is declined?
If it fails or gets declined, your USDT/USDC will be returned to your Pay account. You will receive a push notification once it has been returned.
Where can I check my payment history?
Head to the Activity option. Each record shows the status (Pending, Completed, Refunded, Failed), the crypto/SGD amount, the conversion rate, time, and merchant details.
How can I process a refund?
A refund must be initiated by the merchant. It'll typically be processed within 2 minutes, and you should receive your refunded crypto in your Pay wallet. Please note that the refunded amount may differ slightly due to conversion rate changes.
If you have other queries regarding the Pay function, learn more about them here.