{
  "id": "2d9c702e-328e-46c6-b6d7-8e2d3b7e2ca2",
  "slug": "fomo-pay",
  "name": "FOMO Pay",
  "provider": "FOMO Pay Pte Ltd",
  "category_slug": "payments",
  "description": "Singapore MAS-licensed major payment institution providing a banking-grade API for accounts, balances, virtual accounts, beneficiaries, outgoing transfers and transaction data. Known in SG for QR payment acceptance (PayNow/SGQR) and digital-currency-to-fiat settlement rails for merchants.",
  "base_url": null,
  "docs_url": "https://docs.fomopay.com/",
  "openapi_url": null,
  "auth_type": "restricted",
  "auth_guide": [
    "Complete FOMO Pay merchant onboarding; generate an RSA key pair (openssl genrsa -out key.pem 2048) and share only the PEM public key with FOMO.",
    "After onboarding you receive a CustomerID used as the credential in the authorization header.",
    "On each request set headers: host, content-type, x-fomo-date (RFC-3339 Zulu), x-fomo-nonce (16-256 hex chars), x-fomo-content-sha256 (SHA256 of body), x-fomo-api-version.",
    "Build the CanonicalRequest (verb, URI, sorted query string, canonical headers, signed headers, hashed payload) and the StringToSign (FOMO1-RSA-SHA256 + timestamp + nonce + SHA256 of CanonicalRequest).",
    "Sign with your private key (RSA-SHA256, hex) and send 'authorization: FOMO1-RSA-SHA256 Credential=<CustomerID>,SignedHeaders=...,Signature=<hex signature>'."
  ],
  "pricing": "contact",
  "rate_limit": null,
  "example_request": "curl 'https://uat.fomoapis.com/v1/transactions?balance_id=2b09efb6-f7b7-4739-96dc-5536ea6444f3' -H 'x-fomo-date: 2025-02-24T07:09:57.589Z' -H 'x-fomo-nonce: 421ae34f7c4ca51050253fd22ac2b23e' -H 'x-fomo-content-sha256: e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855' -H 'x-fomo-api-version: v20250212' -H 'authorization: FOMO1-RSA-SHA256 Credential=<CustomerID>,SignedHeaders=content-type;host;x-fomo-api-version;x-fomo-content-sha256;x-fomo-date;x-fomo-nonce,Signature=<hex>'",
  "example_response_snippet": null,
  "agent_notes": "No self-serve signup: you must onboard commercially and exchange RSA public keys before getting a CustomerID, and even FOMO cannot forge requests (private-key signing, AWS-SigV4-style canonical request). Docs examples use the UAT host uat.fomoapis.com; production host is provided at onboarding. Zero-downtime key rotation is supported by registering a second public key.",
  "status": "live",
  "tags": [
    "payments",
    "paynow",
    "mas-licensed",
    "virtual-accounts",
    "qr"
  ],
  "sg_official": false,
  "created_at": "2026-07-05T09:15:27.214Z",
  "updated_at": "2026-07-05T09:15:27.214Z",
  "page_url": "https://singaporeapi.com/apis/fomo-pay"
}