tl;dr
- XNAP app allows you to pay selected QR codes with credit cards you already have added on Apple Pay / Google Pay. Fuss-free. No adding of cards to the XNAP platform is required.
- Transaction registered as Online Spend, with MCC 5814 (Fast Food Restaurants) for payment at hawkers.
- Another avenue to clock your cashback/miles, or contribute to the minimum spend requirement.
How to identify an XNAP compatible QR code?
Look out for the XNAP logo. For the older SGQR, it may still have the older LiquidPay logo on it. Regardless, try your luck by scanning it with the XNAP app and test if it works. These tend to be the NETS-enabled QR which supports multiple payment modes.
MCC Classification and Spend Type
Based on the information from DBS digibot, XNAP transactions are classified as online spend, under the Fast Food Restaurants (MCC 5814).
