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There are generally 3 types of mobile payment apps in Singapore: PayNow apps: Apps that allow you to scan a QR code and perform bank transfers via PayNow E-wallets: These require you to top up and maintain a virtual account. Same concept as EZLink cards NETS/credit card payments: Link your existing card to make contactless payment (i.e. PayWave) PayNow PayNow is not an app, but a payment method that powers some of these apps. Its biggest strength is that it’s very widely used in Singapore, ...