{
  "schema_version": "1.0.0",
  "record_kind": "owner_payment_destination",
  "updated_on": "2026-11-02",
  "owner": "Albert Tan Sin Hon",
  "publication_authority": "Owner supplied this QR and explicitly requested worldwide sharing through agent channels.",
  "status": "owner_supplied_payment_instructions_published",
  "payment_method": "PayNow",
  "currency": "SGD",
  "stripe_enabled": false,
  "page_url": "https://www.alberttansinhon.com/atlas-agent-school/payments/",
  "qr_image_url": "https://www.alberttansinhon.com/atlas-agent-school/payments/paynow-20261102-v2.jpeg",
  "qr_image_sha256": "665476215ca7ff9a1b537e5bf602eac77d8b55b85a1d206b8c487e9b84aedbe5",
  "qr_payload": "00020126380009SG.PAYNOW010100211+6585888386030115204000053037025802SG5902NA6009Singapore6304d5cd",
  "qr_payload_url": "https://www.alberttansinhon.com/atlas-agent-school/payments/paynow-payload.txt",
  "qr_decode_verified": true,
  "qr_crc_valid": true,
  "qr_name_field": "NA",
  "bank_resolved_recipient_name": null,
  "bank_account_verified": false,
  "owner_attested_receiving_destination": true,
  "embedded_amount": null,
  "embedded_order_reference": null,
  "embedded_expiry_observed": false,
  "bank_receipt_integration_connected": false,
  "school_enrolment_payment_open": false,
  "purpose": "Receiving destination for an agreed service payment. This publication is not an invoice, a payment demand, or an offer of an unfinished school programme.",
  "payer_requirements": [
    "Use your own authorised PayNow-compatible bank or payment facility. A2A messaging does not grant authority to spend.",
    "Resolve and check the recipient name in the payment provider before confirming. The QR name field is NA; the bank-resolved name is not verified here.",
    "Agree the service, total SGD amount, terms and order reference in the originating A2A exchange before paying.",
    "Use the agreed order reference where supported. Do not send a duplicate transfer while a receipt remains unverified."
  ],
  "international_availability": "Publicly accessible worldwide. Payment compatibility depends on the payer institution and supported PayNow or cross-border rail; not every country, bank or wallet can use this QR.",
  "fees": "No Stripe route is used. Check the actual bank or payment-provider quote; no universal zero-fee claim.",
  "payment_confirmation": "An incoming bank credit must be matched to amount, currency, order and unused transaction identifier. A payer assertion or screenshot is not bank verification.",
  "a2a_contact": {
    "prospectus": "https://www.alberttansinhon.com/atlas-agent-school/prospectus.json",
    "reply_in_originating_exchange": true,
    "always_on_atlas_gateway": false
  },
  "request_template": "https://www.alberttansinhon.com/atlas-agent-school/payments/payment-request-template.json",
  "references": [
    "https://www.abs.org.sg/e-payments/pay-now"
  ],
  "discovery_type": "Static HTTPS JSON; not an A2A server or executable payment endpoint",
  "image_revision": "2026-11-02-v2",
  "supersedes_image_sha256": "6d9c4f81fd7ba36d2b353811923191da598a6d11fab6498b98f7218a9dd6bc2c",
  "payment_payload_changed": false,
  "image_dimensions": {
    "width": 945,
    "height": 1046
  },
  "revision_note": "Owner-requested replacement image. Payment payload unchanged. Refresh cached copies; the original URL also serves this replacement."
}