Last updated: 12 November 2026
1. BINDING AGREEMENT
1.1 The www.pegepay.com website (“Website”), the PeGePay Business mobile application (“App”), PeGePay SmartForms Connect (“Plugin”), our application programming interfaces and callbacks (“APIs”), our messaging commerce bots for Facebook Messenger, Instagram and Telegram (“Bots”), and other related applications and services offered from time to time (together, the “PeGePay Platform”) are owned by PeGeBak Pte. Ltd., its subsidiaries and affiliates (“PeGeBak”, “we”, “us”).
1.2 By accessing or using the PeGePay Platform, or by registering an Account, you agree to be legally bound by these terms and conditions (“T&C”). If you accept the T&C on behalf of a company or other entity, you confirm that you are authorised to bind that entity, and “you” includes that entity.
1.3 Our Privacy Policy and any order form, onboarding document or written agreement you sign with us (“Order Form”) form part of the T&C. If an Order Form conflicts with these T&C, the Order Form prevails for the matters it covers.
1.4 We may update the T&C from time to time. We will notify you of material changes by email to your registered address or by a notice on the Website before they take effect. If you continue to use the PeGePay Platform after the effective date, you accept the updated T&C. If you do not accept them, you must stop using the PeGePay Platform.
2. THE PEGEPAY PLATFORM
2.1 PeGePay is a multi-channel DuitNow QR platform. It connects QR IDs issued to you by your bank to your own systems and channels through APIs, callbacks and ready-made apps, including virtual static QR, point-of-sale payment, embedded QR, QR online checkout, NFC tap-to-pay and the Bots.
2.2 PeGePay is not a bank, a payment institution or a marketplace. PeGeBak is not a party to any contract of sale or other contract between you and your customers or other third parties, and does not review, endorse or take responsibility for the goods or services you offer or for any delivery of them.
2.3 The PeGePay Platform may link to or depend on third-party services, including banks, DuitNow, courier and logistics providers, Meta (Facebook Messenger and Instagram), Telegram, cloud hosting and email providers. Their availability, behaviour and terms are outside our control, and a link or integration is not an endorsement or a formal relationship with them. Your use of those services is subject to their own terms.
2.4 We aim to provide a reliable service, but we do not guarantee that the PeGePay Platform will be uninterrupted, error-free, free of security breaches or free of delays caused by banks or other third parties, including delayed bank callbacks. To the extent permitted by law the PeGePay Platform is provided “AS IS” and “AS AVAILABLE”, except as expressly set out in an Order Form.
2.5 We may restrict access for maintenance, repairs, security or legal reasons, and may change, add or retire features. Where practicable we will give you reasonable notice of changes that materially affect your use.
3. ACCOUNT, QR IDS AND AUTHORISED USERS
3.1 Registration is open to companies, businesses, partnerships, firms and individuals aged 18 or above. To register you must provide accurate and complete information, including your legal name, address, mobile number and a valid email address, and any other information we reasonably require, including verification of your business or your QR IDs.
3.2 You are responsible for provisioning and activating only QR IDs that were validly issued to you or your business by your bank, and for keeping your relationship and agreements with your bank in good standing. Provisioning and activation do not make PeGeBak a party to your agreement with your bank.
3.3 You are responsible for everything done under your Account by you and by anyone you authorise, including your staff, contractors and systems. You must keep your password, one-time codes, API keys and callback secrets confidential, use the authentication factors we provide, and tell us immediately at support@pegepay.com if you suspect they have been compromised.
3.4 We may reject an application, and may suspend or close an Account as set out in Section 13.
4. YOUR INFORMATION AND CONTENT
4.1 You are responsible for the accuracy and completeness of the information you give us, including your payment particulars and QR IDs, and for keeping it up to date. You are responsible for the consequences of errors or omissions in that information, including misdirected or non-received funds.
4.2 You are responsible for all content, data and code you upload, configure or transmit through your Account (“Content”). You confirm that you own it or are authorised to use it, and that it does not infringe the rights of any third party or breach any law.
4.3 You grant PeGeBak a non-exclusive, worldwide, royalty-free licence to host, process and display your Content only as needed to provide, secure and support the PeGePay Platform for you, for as long as you use it. We may remove or restrict Content that breaches the T&C or the law, with notice where practicable.
5. INTELLECTUAL PROPERTY
5.1 The PeGePay Platform, including its software, APIs, logos, designs and documentation, is owned by PeGeBak or its licensors and is protected by copyright, trademark and other intellectual property laws. Except for the rights expressly granted here, no rights are transferred to you.
5.2 We grant you a limited, non-exclusive, non-transferable, revocable right to use the PeGePay Platform and APIs for your own business purposes during the term of your Account, in accordance with the T&C and our documentation.
6. ACCEPTABLE USE
6.1 You must use the PeGePay Platform lawfully and only for its intended purpose: to receive and reconcile payments and to run storefront, online and messaging commerce. You must not:
- use it for money laundering, fraud, scams or any other unlawful activity, or to sell goods or services that are illegal or that facilitate illegal activity;
- disseminate unlawful, abusive, threatening, deceptive or spam content;
- mislead anyone about the nature of your business, products or services;
- interfere with or disrupt the PeGePay Platform, attempt to gain unauthorised access, or probe or test its security without our written permission;
- send requests at a volume or in a manner that degrades the service for others, or bypass rate limits or other protections;
- reverse engineer, decompile or copy any part of the PeGePay Platform, except as permitted by law; or
- resell or provide the PeGePay Platform to third parties except as agreed in an Order Form.
6.2 We may monitor use of the PeGePay Platform to protect its security and to check compliance with the T&C, and may remove Content, restrict features or suspend an Account if we reasonably believe the T&C have been breached. Violations of network security may result in civil or criminal liability, and we will cooperate with law enforcement agencies.
7. PAYMENTS
7.1 PeGePay does not hold, transfer or settle your money. It generates dynamic and static payment QR codes using the QR IDs you provide and reports payment status through APIs, callbacks and apps. Funds move directly between the payer’s and your bank account or e-wallet through the banks and the DuitNow network, and are credited to your own bank account through the QR ID your bank assigned.
7.2 You are responsible for checking that your QR ID and payment settings are correct. PeGeBak is not liable for losses resulting from incorrect settings, from changes to or technical issues with a QR ID, or from payments made in error by payers.
7.3 Payment confirmations, callbacks and reconciliation reports depend on information supplied by banks and other third parties, which may be delayed, duplicated or unavailable. We provide tools such as duplicate payment tracking and callback latency alerts to help you detect these cases, but you remain responsible for confirming receipt of funds in your bank account before releasing goods or services where this is material to you. Refunds and chargebacks are matters between you, your bank and your customer.
7.4 Fees, if any, are as set out in your Order Form or otherwise agreed with you in writing. Unless stated otherwise, fees exclude taxes, which you are responsible for.
8. MESSAGING COMMERCE BOTS
8.1 If you use the Bots, you authorise PeGePay to act on your behalf in the channel you connect (Facebook Messenger, Instagram or Telegram) to display your catalogue, take orders, generate payment QR codes, send receipts and notify you of orders.
8.2 You must comply with the terms and policies of each channel provider, and are responsible for your catalogue, prices, orders, fulfilment and delivery arrangements. Channel providers may change their rules, access or technical limits, or suspend your pages or accounts, and we are not liable for the effect of those decisions on your use of the Bots.
9. DATA PROTECTION
9.1 Each party will comply with the data protection laws that apply to it, including, where applicable, the Personal Data Protection Act 2012 of Singapore and the Personal Data Protection Act 2010 of Malaysia.
9.2 You are responsible for having a lawful basis, and giving any notices and obtaining any consents required, to share with us the personal data of your customers and staff, and for your own use of that data. We process that data to provide the PeGePay Platform to you and as described in our Privacy Policy. Where an agreement on the processing of personal data is required, we will enter into one with you on request.
9.3 We maintain reasonable technical and organisational measures to protect personal data. Please notify us at support@pegepay.com without delay if you become aware of any security incident affecting your Account, and we will notify you of incidents affecting your data as required by law.
10. SUPPORT
10.1 You can contact us at support@pegepay.com. Unless an Order Form states a service level, we provide support on a best-efforts basis.
11. CONFIDENTIALITY
11.1 Each party will keep confidential the non-public information of the other that it receives in connection with the PeGePay Platform, including API documentation, credentials and commercial terms, use it only for the purposes of the T&C, and disclose it only to personnel and advisers who need to know it or as required by law.
12. LIMITATION OF LIABILITY
12.1 Nothing in the T&C excludes or limits liability that cannot be excluded or limited by law.
12.2 To the extent permitted by applicable law, PeGeBak and its officers, directors, agents and employees are not liable for any loss of money, profits, goodwill, reputation, data or other indirect, special or consequential loss arising from or in connection with your use of or inability to use the PeGePay Platform, the acts or omissions of banks, payers, channel providers or other third parties, or events beyond our reasonable control.
12.3 If we are found to be liable despite the above, our total liability to you or any third party in connection with the PeGePay Platform is limited to the greater of (a) the amounts we earned from the specific transaction giving rise to the liability, if any, and (b) Singapore Dollars One Hundred (SGD100.00), unless an Order Form states a different limit.
12.4 You will indemnify and hold harmless PeGeBak and its personnel against claims, losses and expenses, including reasonable legal fees, arising from third-party claims caused by your breach of the T&C, your Content, your misuse of the PeGePay Platform, or your breach of any law or third-party right.
13. SUSPENSION AND TERMINATION
13.1 You may stop using the PeGePay Platform and close your Account at any time by writing to support@pegepay.com, subject to any minimum term in an Order Form.
13.2 We may suspend or terminate your Account or access immediately if you breach the T&C, if we reasonably suspect fraud, unlawful use or a security risk, if required by law or by a bank or channel provider, or if we can no longer provide the service. Where practicable and lawful we will tell you why and give you the chance to remedy the problem. We may also end the service for convenience on reasonable written notice.
13.3 On termination your right to use the PeGePay Platform ends. Provisions that by their nature should continue, including those on intellectual property, confidentiality, liability, indemnity and governing law, will survive. We will handle your data as set out in the Privacy Policy.
14. GENERAL
14.1 Governing law and disputes. The T&C are governed by the laws of Singapore, without regard to conflict-of-law principles, and you submit to the exclusive jurisdiction of the courts of Singapore.
14.2 Waiver. A failure or delay in exercising a right is not a waiver of it unless acknowledged in writing.
14.3 Severability. If any part of the T&C is found to be invalid or unenforceable, the rest remains in effect.
14.4 Assignment. You may not assign or transfer your rights under the T&C without our written consent. We may assign them to an affiliate or to a successor to our business.
14.5 Notices. We may give notice to you by email to your registered address or through the PeGePay Platform. You may give notice to us at support@pegepay.com.
14.6 Accuracy. The PeGePay Platform and our materials may contain inadvertent inaccuracies or typographical errors, which we will correct when found.
14.7 Entire agreement. The T&C, the Privacy Policy and any Order Form are the entire agreement between you and PeGeBak about the PeGePay Platform and replace earlier understandings about it.
15. PRIVACY POLICY
15.1 Our use of personal data is described in our Privacy Policy, which forms part of the T&C.