Merchant Guide

Payment Types & Fees

Compare Collbine payment methods, fees, verification flows and refund responsibilities before choosing how customers pay your shop.

Last updated 13 June 2026

Payment Options

Collbine offers four payment options for merchants.

Payment Method	Fee
Manual PayNow (Screenshot Verification)	0%
Automatic PayNow	3%
Credit Card (Visa, Mastercard, AMEX and supported cards)	6%
Other Digital Payments (Apple Pay, Google Pay, GrabPay and supported wallets)	6%

Merchants can choose either Manual PayNow or Automatic Payment. Automatic Payment includes Automatic PayNow, credit cards and other supported digital payment methods. Manual PayNow and Automatic Payment cannot be used together.

Manual PayNowScreenshot Verification

0% fee

Manual PayNow is designed for merchants who want to accept PayNow payments without payment processing fees.

Using Manual PayNow will result in ads being shown on the merchant's shop page.

How It Works

Customer places an order.
Customer scans the merchant's PayNow QR code.
Customer completes payment using their banking application.
Customer takes a screenshot of the successful payment.
Customer uploads the screenshot to Collbine.
Collbine AI reviews the screenshot and compares payment amount, merchant information when available, order details and potential mismatches.

AI Verification Results

Result	Meaning
Likely Paid	The uploaded screenshot appears to match the expected order amount and details.
Attention Needed	Customer paid too little, paid too much, uploaded an unclear screenshot, or AI cannot confidently verify the payment details.

The AI only checks whether the uploaded screenshot appears to match the order details. It does not verify whether the screenshot is genuine, authentic, edited or fraudulent.

Merchants remain responsible for verifying that payment has actually been received in their bank account before preparing or fulfilling an order.

Refunds

Customers pay merchants directly.
Merchants are responsible for issuing refunds directly to customers.
Collbine does not process refunds for Manual PayNow transactions.

Automatic PayNow

3% fee

Automatic PayNow is designed for merchants who want payment verification to be handled automatically.

How It Works

Customer places an order.
Customer scans the PayNow QR code.
Customer completes payment using their banking application.
No screenshot upload is required.
Payment is automatically verified by the payment provider.
Order status is automatically updated to Payment Confirmed.

The merchant may then accept or reject the order.

Benefits

No screenshot uploads required
Automatic payment confirmation
Faster checkout process
Reduced merchant workload

Refunds

Refunds are processed through the platform.
Processing fees are generally non-refundable.
Merchant-caused cancellations may result in the merchant bearing the processing fees.

Credit Card Payments

6% fee

Supported methods may include Visa, Mastercard, American Express and other supported card networks.

How It Works

Customer places an order.
Customer enters card details.
The customer's card is authorized.
The merchant reviews the order.

If the merchant accepts, payment is captured and the order proceeds normally. If the merchant rejects before acceptance, the payment authorization is released and the customer receives a full refund or authorization reversal.

Benefits

Automatic payment confirmation
No screenshot uploads
Fast checkout experience
Reduced refund costs for merchant rejections before acceptance

Refunds

Scenario	Outcome
Merchant Rejects Before Acceptance	Customer receives a full refund or authorization reversal. Merchant receives $0.00 and bears $0.00.
Merchant Rejects After Acceptance	Customer receives a full refund. Merchant bears any non-refundable payment processing fees.

Reason

Once a merchant accepts an order, the merchant has committed to fulfilling it.

Other Digital Payments

6% fee

Supported methods may include Apple Pay, Google Pay, GrabPay and other supported digital wallets.

How It Works

Customer places an order.
Customer selects their preferred digital payment method.
Customer completes payment.
Payment is automatically verified.
Order status is updated to Payment Confirmed.

The merchant may then accept or reject the order.

Benefits

Fast checkout experience
Automatic payment confirmation
No screenshot uploads
Popular payment options for customers

Refunds

If the merchant rejects or cancels an order due to merchant-related reasons, the customer will receive a refund. Any non-refundable payment processing fees will be borne by the merchant.

Reason

The merchant is responsible for maintaining accurate Ordering Hours, Operating Hours, Operating Days and inventory availability.

Choosing the Right Payment Option

Merchants must choose one payment setup: Manual PayNow, or Automatic Payment. Automatic Payment includes Automatic PayNow, credit card and other supported digital payment methods.

Feature	Manual PayNow	Automatic PayNow	Credit Card	Other Digital Payments
Processing Fee	0%	3%	6%	6%
Screenshot Upload Required	Yes	No	No	No
Automatic Payment Confirmation	No	Yes	Yes	Yes
Merchant Manual Verification	Recommended	No	No	No
Platform Managed Refunds	No	Yes	Yes	Yes
Full Refund Before Merchant Acceptance	No	No	Yes	No
Merchant Direct Refund Handling	Yes	No	No	No
Best For	Lowest Cost	Automated PayNow	Card Users	Wallet Users

Need help choosing?

We can walk you through which payment setup fits your shop operations.

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