Create an Online Store With PayNow Checkout in Singapore
LemonStand is a Singapore-built online store builder with dynamic PayNow QR checkout — create a mobile storefront for your business, share one link, and accept PayNow orders directly to your bank account. 0% platform transaction fees. From S$3.90/week.
Last updated: August 2026
The short answer
LemonStand is a Singapore-built store builder that lets small businesses, home-based sellers, and social sellers create a mobile-first online store with PayNow checkout. Share one link on Instagram, WhatsApp, or TikTok. Customers browse, order, and pay with PayNow — money goes straight to your bank. You pay a flat subscription from S$3.90 per week with 0% platform transaction fees.
How it works
- Create your store. Sign up and enter your shop name and PayNow proxy — your Singapore mobile number or UEN, exactly as it is registered with your bank.
- Add products. Upload photos, write descriptions, and set SGD prices. Set fulfilment options (pickup, delivery, or both) and dates.
- Share your link. Your store URL —
yourshop.lemonstand.net— goes in your Instagram bio, WhatsApp broadcast, or wherever your customers follow you. - Customers order and pay PayNow. A buyer browses your store, adds items to cart, and is shown a unique PayNow QR code at checkout. They scan it with their bank app and pay — the amount and reference are already embedded in the QR.
- You fulfil. Orders appear in your dashboard. Confirm payment, pack, and fulfil — no manual screenshot-matching required.
What is PayNow?
PayNow is Singapore's real-time bank transfer system, operated by the Association of Banks in Singapore (ABS) and regulated by the Monetary Authority of Singapore (MAS). It lets buyers pay directly from their bank account to a merchant's registered mobile number or Unique Entity Number (UEN) — instantly, without a card or external wallet.
For online sellers, PayNow matters because it is how Singapore customers already move money for peer-to-peer and small-business transactions. Buyers do not need a new app, account, or payment habit — they use the same bank app they use every day.
Static vs dynamic vs automated PayNow: what is the difference?
There are three ways Singapore sellers typically collect PayNow payments, and they are not equal:
| Method | How it works | Limitation |
|---|---|---|
| Static PayNow (manual) | Seller shares a mobile number or static QR. Buyer types the amount and sends a screenshot. | No order reference. Screenshot matching is error-prone. Susceptible to fake-screenshot fraud. |
| Payment gateway PayNow | A third-party gateway (e.g. Stripe, HitPay) processes PayNow and settles to the merchant after fees. | Typically carries per-transaction processing fees (0.65–2.8% depending on provider). |
| LemonStand native dynamic PayNow QR | LemonStandgenerates a unique QR per order with the exact amount and reference. Buyer pays directly to the seller's bank. No gateway intermediary. | Singapore-only. Buyers pay PayNow; no card checkout for buyers. |
LemonStand's model is distinct from a payment gateway: it does not process or hold the PayNow transfer. The payment goes bank-to-bank using Singapore's PayNow infrastructure, the same as if the buyer paid a static number — but with a unique reference per order, so reconciliation is automated and fraud risk is reduced.
Who this works for
LemonStand is built for Singapore sellers whose customers pay with PayNow and who primarily market through social media:
- Home bakers and F&B sellers — manage pre-order windows, batch orders, and PayNow reconciliation without screenshot-matching
- Instagram and TikTok sellers — replace DM-based ordering with a shareable store link in your bio
- Thrift and preloved resellers — run drops with first-come-first-served cart checkout instead of comment queues
- Handmade and craft sellers — give every product a permanent link customers can share
- Pre-order and limited-release sellers — set fulfilment dates and close orders cleanly without DM chaos
- Small catalogue businesses — a simple, clean storefront without enterprise ecommerce complexity
When another platform may fit better
LemonStand is not the right choice for every seller. Consider an alternative when you:
- Need to sell internationally or in multiple currencies — LemonStand is Singapore-only
- Need card or digital wallet checkout for buyers — buyers on LemonStand pay PayNow only
- Need a large app ecosystem or complex inventory management — Shopify or EasyStore may fit better
- Need point-of-sale hardware or in-person payment terminals
For a broader comparison, see Best ecommerce platforms for small businesses in Singapore.
Pricing
LemonStand is free to build — you can set up your store and add products before committing to a subscription. When you go live:
- S$3.90 per week (billed every 4 weeks)
- or S$149 per year
- 0% platform transaction fees on sales
Customer PayNow payments go directly to your bank. LemonStand does not take a percentage of each sale. The only cost is the flat subscription.
Ready to try it?
Create a LemonStand store, add your products, and share your link. See how the PayNow checkout flow works before you commit.
Frequently asked questions
Can I accept PayNow on an online store in Singapore?
Yes. LemonStand is an online store builder for Singapore that integrates PayNow checkout natively. Each customer order generates a dynamic PayNow QR code with the exact amount and a unique reference. The customer scans and pays with their bank app; money goes straight to your account.
Does LemonStand charge a platform transaction fee?
No. LemonStand charges 0% platform transaction fees on sales. You pay the LemonStand subscription (S$3.90 per week, or S$149 per year). Customer PayNow payments go directly to your bank — LemonStand does not take a cut.
Where does the payment go? Is it instant?
PayNow payments go directly to your bank account — the one linked to your mobile number or UEN. LemonStand does not hold or intermediate the funds. PayNow settlement is typically instant once the buyer's bank completes the transfer.
Is LemonStand a payment gateway?
No. LemonStand is a storefront builder — it gives you a product catalogue, cart, and checkout page. The PayNow payment itself goes bank-to-bank using Singapore's PayNow infrastructure. LemonStand does not process or hold payments.
Do customers need an account to order?
No. Customers can browse and place orders on a LemonStand storefront without creating an account. They fill in their name and contact details at checkout, then pay via PayNow.
Can I use LemonStand for a home-based business?
Yes. LemonStand is designed for Singapore home-based businesses — home bakers, crafters, apparel resellers, and side-hustle sellers. There is no UEN or business registration requirement to start selling.
Can I still share the store through Instagram or WhatsApp?
Yes — sharing through Instagram, WhatsApp, TikTok, and Telegram is the primary way most LemonStand sellers drive traffic to their store. Your store link (yourshop.lemonstand.net) can go in your Instagram bio, WhatsApp broadcast, or wherever your customers follow you.
What happens after a customer places an order?
After a customer submits an order, they are shown a dynamic PayNow QR code to scan and pay. Once they pay, the order appears in your LemonStand dashboard. You can then confirm, fulfil, or contact the buyer through the dashboard.