Accept payments securely across local Singapore payment methods - PayNow QR (UEN-based instant transfer) and virtual bank accounts - for one-time or unlimited collections, billed in SGD.
# Provenance: modeled-from-docs (grounded=modeled-from-docs)
# Source: https://docs.fazz.com/ (Singapore Payments API v4) and
# https://docs.fazz.com/reference/* — Fazz did not publish a
# downloadable OpenAPI/Swagger file, so this document was modeled
# by hand from the live developer reference (endpoints, methods,
# request/response fields) as documented on 2026-07-17.
# Host: production https://www.xfers.io ; sandbox https://sandbox.xfers.io
# Auth: HTTP Basic — API key as username, secret key as password
# (curl -u API_KEY:SECRET_KEY). Live keys start with `live_`,
# sandbox keys start with `test_`. HTTPS is required.
openapi: 3.0.3
info:
title: Fazz Payments API (Singapore v4)
description: >-
Fazz Business Payments API for accepting payments (Accept API) and
sending payouts (Send API) in Singapore. Fazz is the Southeast Asian
fintech formed from the 2021 merger of Indonesia's Payfazz and
Singapore's Xfers; the payment infrastructure is still served from the
xfers.io hosts. This document was modeled from the public developer
reference at https://docs.fazz.com/ — no first-party OpenAPI file is
published by Fazz.
version: 'v4'
contact:
name: Fazz Business Support
url: https://support-sg.fazz.com/
termsOfService: https://fazz.com/
servers:
- url: https://www.xfers.io/api/v4
description: Production (Singapore)
- url: https://sandbox.xfers.io/api/v4
description: Sandbox
security:
- basicAuth: []
tags:
- name: Payments
description: Accept API — create and query payments (collections).
- name: Payment Methods
description: Create reusable payment method objects (PayNow, virtual bank account).
- name: Disbursements
description: Send API — disburse funds to recipients (payouts).
paths:
/payments:
post:
operationId: createPayment
tags:
- Payments
summary: Create a payment
description: >-
Creates a payment to collect funds from a customer via a supported
local payment method (PayNow QR or virtual bank account). Returns
payment instructions such as a PayNow QR image or virtual account
number.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CreatePaymentRequest'
responses:
'201':
description: Payment created
content:
application/json:
schema:
$ref: '#/components/schemas/Payment'
get:
operationId: listPayments
tags:
- Payments
summary: Get a list of payments
parameters:
- name: limit
in: query
schema:
type: integer
- name: startingAfter
in: query
schema:
type: string
- name: endingBefore
in: query
schema:
type: string
responses:
'200':
description: A list of payments
content:
application/json:
schema:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/Payment'
/payments/{paymentId}:
get:
operationId: getPayment
tags:
- Payments
summary: Get a payment
parameters:
- name: paymentId
in: path
required: true
schema:
type: string
responses:
'200':
description: Payment detail
content:
application/json:
schema:
$ref: '#/components/schemas/Payment'
/payment_methods/{type}:
post:
operationId: createPaymentMethod
tags:
- Payment Methods
summary: Create a payment method
description: >-
Creates a reusable payment method object of the given type.
`type` is one of `virtual_bank_accounts` or `paynow`.
parameters:
- name: type
in: path
required: true
schema:
type: string
enum:
- virtual_bank_accounts
- paynow
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CreatePaymentMethodRequest'
responses:
'201':
description: Payment method created
content:
application/json:
schema:
$ref: '#/components/schemas/PaymentMethod'
/payment_methods/{paymentMethodId}/payments:
get:
operationId: listPaymentsForPaymentMethod
tags:
- Payment Methods
summary: Get a list of payments for a payment method
parameters:
- name: paymentMethodId
in: path
required: true
schema:
type: string
responses:
'200':
description: A list of payments for the payment method
content:
application/json:
schema:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/Payment'
/disbursements:
post:
operationId: createDisbursement
tags:
- Disbursements
summary: Create a disbursement
description: >-
Creates a disbursement that sends funds from your Fazz Business
account to an intended recipient via a bank transfer or supported
disbursement method.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CreateDisbursementRequest'
responses:
'201':
description: Disbursement created
content:
application/json:
schema:
$ref: '#/components/schemas/Disbursement'
get:
operationId: listDisbursements
tags:
- Disbursements
summary: Get a list of disbursements
parameters:
- name: limit
in: query
schema:
type: integer
- name: startingAfter
in: query
schema:
type: string
responses:
'200':
description: A list of disbursements
content:
application/json:
schema:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/Disbursement'
/disbursements/{disbursementId}:
get:
operationId: getDisbursement
tags:
- Disbursements
summary: Get a disbursement
parameters:
- name: disbursementId
in: path
required: true
schema:
type: string
responses:
'200':
description: Disbursement detail
content:
application/json:
schema:
$ref: '#/components/schemas/Disbursement'
components:
securitySchemes:
basicAuth:
type: http
scheme: basic
description: >-
HTTP Basic authentication. Provide your API key as the Basic auth
username and your secret key as the password
(base64(api_key:secret_key)). Live keys start with `live_`;
sandbox keys start with `test_`.
schemas:
CreatePaymentRequest:
type: object
required:
- amount
- referenceId
- paymentMethodType
- paymentMethodOptions
- expiredAt
properties:
amount:
type: number
format: float
description: Transaction amount, up to 2 decimal places.
currency:
type: string
default: SGD
description: Currently only SGD is supported for the Singapore API.
referenceId:
type: string
description: Unique merchant-supplied identifier for the transaction.
paymentMethodType:
type: string
enum:
- paynow
- virtual_bank_account
description: >-
paynow (PayNow QR — Singapore's UEN-based instant transfer
scheme) or virtual_bank_account (unique VA number).
paymentMethodOptions:
type: object
description: Provider-specific options. Currently only `fazz` is supported.
expiredAt:
type: string
format: date-time
description: ISO 8601 expiry; valid range is 1 hour to 30 days.
description:
type: string
Payment:
type: object
properties:
id:
type: string
status:
type: string
amount:
type: number
format: float
currency:
type: string
referenceId:
type: string
createdAt:
type: string
format: date-time
expiredAt:
type: string
format: date-time
fees:
type: number
format: float
paymentMethod:
$ref: '#/components/schemas/PaymentMethod'
instructions:
type: object
description: >-
Method-specific instructions — e.g. a PayNow QR image payload
or virtual account number and destination bank.
CreatePaymentMethodRequest:
type: object
properties:
referenceId:
type: string
displayName:
type: string
paymentMethodOptions:
type: object
PaymentMethod:
type: object
properties:
id:
type: string
type:
type: string
enum:
- paynow
- virtual_bank_account
referenceId:
type: string
instructions:
type: object
CreateDisbursementRequest:
type: object
required:
- amount
- referenceId
- disbursementMethod
properties:
amount:
type: number
format: float
description: Amount to be disbursed via the disbursement method.
currency:
type: string
default: SGD
referenceId:
type: string
description: Unique merchant-supplied identifier for the disbursement.
disbursementMethod:
type: object
description: >-
Destination details — e.g. bank code, account number and
account holder name for a bank transfer.
description:
type: string
Disbursement:
type: object
properties:
id:
type: string
status:
type: string
amount:
type: number
format: float
currency:
type: string
referenceId:
type: string
disbursementMethod:
type: object
createdAt:
type: string
format: date-time
fees:
type: number
format: float