Someone transferred money to my mom's POSB account using PayNow but my mom did not registered for PayNow and no intention of doing so. Will the money be transferred back to sender?

Hi Elaine,

I'm not 100% sure but this is my hypothesis based on my research.

I couldn't find anything anything on the DBS PayNow FAQ, but this is what I found on the OCBC PayNow FAQ, which I believed can be applied to your case as well, since both OCBC and DBS are participating banks of PayNow.

Context: PayNow is a service that allows you to send to and receive money using a mobile number. Singapore NRIC or Unique Entity Number (UEN) without having to know the recipient's account number.

What will happen if the recipient is not registered with PayNow?

If you use OCBC Online Banking to send money to a recipient who is not registered with PayNow, a message will be displayed after you clicked on "Next" button to indicate that recipient is not registered with PayNow. If you use OCBC Pay Anyone to send money to a recipient who is not registered with PayNow, you will need to set a Passcode._

Source: OCBC PayNow FAQ (Under 'Send Money - Qn 5')

Based on the above, I believe that the sender has set a passcode and sent it to your mum to accept the amount since she is not registered for PayNow. My deduction is that by clicking the link and using the passcode provided, the amount should be credited into your mum's bank account even if she is not registered with PayNow.

Hope this helps! But of course if you're uncertain, do contact the DBS customer service for clarification!​​​