Browse APIs

FOMO Pay

Commercial

by FOMO Pay Pte Ltd

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.

How to authenticate

  1. 1Complete FOMO Pay merchant onboarding; generate an RSA key pair (openssl genrsa -out key.pem 2048) and share only the PEM public key with FOMO.
  2. 2After onboarding you receive a CustomerID used as the credential in the authorization header.
  3. 3On 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.
  4. 4Build the CanonicalRequest (verb, URI, sorted query string, canonical headers, signed headers, hashed payload) and the StringToSign (FOMO1-RSA-SHA256 + timestamp + nonce + SHA256 of CanonicalRequest).
  5. 5Sign with your private key (RSA-SHA256, hex) and send 'authorization: FOMO1-RSA-SHA256 Credential=<CustomerID>,SignedHeaders=...,Signature=<hex signature>'.

Example request

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>'

Notes for AI agents

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.

Machine-readable version: /api/apis/fomo-pay

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