The participating banks are Citibank, DBS Bank, HSBC, Maybank, OCBC Singapore, Standard Chartered Bank and UOB.

Yes, for EDP. As the sender, you may issue a post-dated EDP to your recipient as you can select an effective date up to 6 months ahead from the creation date.

For EDP+, the effective date is automatically set to one day (T+1) after the payment is created. For example, if you sent an EDP+ on 1 Jun 2025, your recipient will be able to cash it out from the next day, 2 Jun 2025 onwards. Unfortunately, you can't change this to a later date.

EDP and EDP+ has a validity period of 6 months from the effective date (earliest date your recipient can cash out). Upon which, they will expire and become invalid. If your EDP/EDP+ has expired, here’s what you can do:

• For senders: Issue a new EDP or EDP+ to your recipient if needed.
• For recipients: Reach out to your sender directly to request a new EDP or EDP+.

When finding your recipient with their mobile number, your recipient’s PayNow nickname will be returned for your review before you proceed with the issuance of the EDP.