1. You agree and acknowledge that Non-PayNow QR Transactions are carried out via services offered by third party providers (such services, “Third Party QR Services”, and such providers, “Third Party Providers”) and/or their respective affiliated operators (“Third Party Provider-Affiliated Operators”), and that the Bank does not own, operate or manage such services. The Third Party QR Services are provided solely by the relevant Third Party Providers and/or Third Party Provider-Affiliated Operators in accordance with the applicable terms and conditions as may be imposed by them from time to time and involves payments to participating merchants of such Third Party QR Services or Third Party Providers (each, a “Participating Merchant”). You may address any concerns or complaints relating to the Third Party QR Services (including any concerns or complaints in connection with any issues or errors in payment or recovery of funds) to the Bank, who may in its sole discretion assist you with liaising with the relevant Third Party Provider and/or Third Party Provider-Affiliated Operator on your behalf. Notwithstanding the foregoing, you acknowledge that you shall not in any event have any right or claim against the Bank in connection with the Third Party QR Services.
   
   A non-exhaustive list of Third Party Providers and Third Party Provider-Affiliated Operators is as follows:
   • NETS (as defined in the Terms and Conditions for OCBC Pay Anyone™ Service).
2. In relation to each Transaction Request, you agree and acknowledge that although the Participating Merchant is shown (via a display on the Application) as the Recipient of the amount to be transferred in respect of such Transaction Request (“Transfer Amount”), the Bank shall only be responsible for making the relevant payments to the relevant Third Party Provider and shall not be liable for transferring any Transfer Amount to any Participating Merchant and the relevant Third Party Provider shall be solely responsible for transferring the relevant Transfer Amount to the relevant Participating Merchant.
3. The Bank may prescribe a minimum amount and a maximum amount for each Transaction Request, and such amounts shall be displayed on the Application before you submit a Transaction Request. The Bank reserves the right to reject or refuse to accept or process or to cancel any Transaction Request where the Transfer Amount falls below such minimum amount or falls above such maximum amount.

For Local Transactions (payments to Participating Merchants located in Singapore)

1. If you wish to initiate a Non-PayNow QR Transaction in respect of a Participating Merchant located in Singapore, you may do so by initiating a Transaction Request through the Application by using your Registered Mobile Device to scan the QR Code displayed at the premise of and/or provided by the relevant Participating Merchant and then authorising such Transaction Request by: (i) entering your security credentials (such as a fingerprint, or as the case may be, facial identification (face ID) validly enrolled by an authorised third party fingerprint recognition or, as the case may be, face recognition feature on the Registered Mobile Device) in accordance with the instructions displayed on the Application; or (ii) performing Transaction Signing in accordance with the instructions displayed on the Application.
2. If your security credentials are successfully verified and the QR Code scanned corresponds to the QR Code generated by the relevant Third Party Provider (or Third Party Provider- Affiliated Operator, as the case may be) for such Participating Merchant, you will be shown (via a display on the Application) the name of the merchant and details of your OCBC account(s) from which you may make the Non-PayNow QR Transaction. In order to submit the Transaction Request, you will be required to select an eligible OCBC account from which you wish to make the Non-PayNow QR Transaction and to follow any further steps prescribed by the Application. Before submitting a Transaction Request, you are responsible for checking the name of the merchant displayed on the Application and for ensuring that the relevant merchant is the intended Recipient of the funds.

For Payor

1. PayNow QR Transactions only allow payments to be made to Payees with Registered Mobile Devices who have already registered their mobile number or their UEN (plus the suffix combination where applicable), as the case may be, as a proxy under PayNow.
2. If you wish to initiate a PayNow QR Transaction to pay a Payee, you may do so by initiating a Transaction Request through the Application using your Registered Mobile Device to scan the personalized QR Code shared with you by the intended Payee physically or via email, SMS, Whatsapp or any other means as may be prescribed by the Bank from time to time, and then authorising such Transaction Request by: (i) entering your security credentials (such as a fingerprint,or as the case may be, Face ID validly enrolled by an authorised third party fingerprint recognition feature or, as the case may be, face recognition feature on the Registered Mobile Device); or (ii) performing Transaction Signing, in accordance with the instructions displayed on the Application.
3. If your security credentials are successfully verified and the QR code scanned corresponds to the QR Code generated by the Bank for such Payee, you will be shown (via display on the relevant screen):
   • the name of the Registered PayNow User such as the applicable registered entity name ("Name"), or a nickname corresponding to the QR Code registered by the relevant Payee (for the purposes of receiving payments via PayNow) ("Nickname"), as the case may be; and
   • details of the OCBC accounts from which you may make the PayNow QR Transaction.
   
   In order to submit the Transaction Request, you will be required to select an eligible OCBC account from which you wish to make the QR Transaction and to follow any further steps prescribed by the Application. Before submitting a Transaction Request, you are responsible for checking the Name or Nickname displayed on the Application and for ensuring that the registrant of such Name or Nickname is the intended Recipient of the funds.

For Payee (who are retail customers)

1. You can only request for and receive payments via a PayNow QR Transaction if you have registered your mobile number as a proxy under PayNow, If such mobile number has been de-registered as a proxy under PayNow, you will not be able to request for or receive payments via PayNow QR Transactions.
2. Once you have registered your mobile number as a proxy under PayNow:
   1. if you wish to generate a personalized QR code for the purposes of requesting funds to be transferred through the QR Service, you may do so through the Application by following the relevant steps prescribed by the Application and thereby authorising a request to generate such QR code by entering your security credentials (such as a fingerprint or, as the case may be, Face ID validly enrolled by an authorised third party fingerprint recognition feature or, as the case may be, face recognition feature on the Registered Mobile Device) in accordance with the instructions given via the Application.
   2. if your security credentials are successfully verified, your personalized QR Code will be generated and displayed to you on the relevant screen on the Application. In order to share such QR code for the purposes of allowing Payors to make payments to you via PayNow QR Transactions, you will be required to take such further steps as prescribed by the Application and selecting your preferred mode of sharing your QR Code (such as via email, SMS, Whatsapp or any other means as may be prescribed by the Bank from time to time).