⚠ Maintenance Notice — 22 Jan, 3:30–5:00 AM (SGT) Access to LiquidPay App and Changi Pay App will be temporarily unavailable. Service will resume once maintenance is completed.

Secure, Scaleable Smart Wallet

Your Seamless Embedded Wallet Solution

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Turn Your App into a Payment Powerhouse

Equip your app to deliver the fast, reliable payment experience today’s users expect.

Liquid Account | e-Money Wallet 

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Wallet Top Ups

Enables users to fund their e-wallets directly via PayNow-linked bank accounts or Virtual Payment Addresses (VPAs). A simple, secure, and widely trusted top-up method that integrates smoothly into your app.

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Real-Time Overseas Transfers

Our API integration allows for peer-to-peer (P2P) real-time transfers overseas via PayNow, making international money transfers quick, affordable, and hassle-free.

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Seamless QR Payments

Supporting QR payments both locally and across borders. Deliver a unified QR experience to your users while expanding merchant acceptance globally.

XNAP | Card Scheme Wallet 

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Seamless Linking of
Scheme Cards

XNAP allows users to effortlessly link their debit or credit cards (via Google Pay or Apple Pay) as a payment source for QR transactions, both locally and internationally.

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QR Gateway for
Card Payments

XNAP-to-Pay enables seamless card scheme payments via QR codes at participating merchants — both in Singapore and internationally.