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Decoding PSG and other schemes that support restaurants in Singapore going digital

05 November 2020

By: Sarah Yap

PSG, SME, DRB, IMDA, SFEC. Hopefully, by the end of this article, these acronyms will start to look a lot more valuable to your restaurant business than a bunch of random alphabets.

The SMEs Go Digital programme by IMDA encourages small and medium-sized enterprises (SMEs) to use digital technologies to seize growth opportunities in the digital economy via grants and schemes such as PSG, DRB and SFEC. 

What qualifies as an SME? 

SMES are businesses that are registered and operating in Singapore, have a minimum of 30% local shareholding; with Company’s Group annual sales turnover less than S$100 million, OR less than 200 employees


Restaurant businesses (collectively known as the Food Service sector) that are eligible SMEs qualify for the support available under the SME Go Digital programme. 

What are pre-qualified solutions under the SME Go Digital programme? 

Digital solutions that have been pre-qualified have been scrutinised by IMDA through a thorough process to ensure adoption outcomes that have a positive impact on productivity and business growth. 

ChopeBook is the first and only pre-qualified solution in the category of Automated Reservations as a Table Management System. ChopeQueues is also a pre-qualified solution in the category of Queue Management. This qualifies restaurant businesses that sign on for ChopeBook and ChopeQueues for the PSG and SFEC if they fulfil the other eligibility criteria. 

Chope On Delivery is also a qualified Online Food Delivery Solution under Category 2 of the Digital Resilience Bonus.

What are the support schemes available under the SME Go Digital programme? 

There are three support grants and schemes under the SME Go Digital programme that are especially relevant for restaurants who want to digitise your business: Productivity Solutions Grant (PSG), SkillsFuture Enterprise Credit (SFEC) and Digital Resilience Bonus (DRB). These grants and schemes offset the cost of pre-qualified digital solutions, and in some instances, incentivise businesses with bonuses that exceed the cost of adopting these solutions.


1. Productivity Solutions Grant (PSG)


In a nutshell:

PSG reimburses 80% of costs for pre-qualified solutions such as ChopeBook and ChopeQueues for up to one year.

Good to know:

Companies can put in more than one PSG application depending on business needs
However, support can only be extended for one package per solution category per deployment location.
PSG for each company is subjected to an annual grant cap of S$30,000 for solutions supported by ESG, starting on 1 April and ending on 31 March the following year.

For the Food Services sector, Automated Reservations (that ChopeBook is a pre-qualified solution for) is one of many solution categories. If your restaurant applies for the PSG to purchase ChopeBook for one year, you can still apply for the PSG for other solutions such as Queue Management up to a cap of S$30,000 for each financial year.

Scheme availability period:

As announced at Budget 2021, the enhanced maximum support level of up to 80% will be extended to 31 March 2022.

Application and claim process: 

Restaurants may submit their application and claim via the Business Grants Portal after obtaining an official quotation from the solution. Want to get an official quotation from us for ChopeBook? Request a demo and we will get back to you shortly.


2. SkillsFuture Enterprise Credit (SFEC) 


In a nutshell: 

SFEC further supports businesses for their digitisation efforts over and above the PSG. Once a PSG claim is submitted, SFEC reimburses 90% of a business’s out-of-pocket expenses. Since PSG supports 80% of costs, SFEC will therefore reimburse 90% of the remaining 20% that a business would otherwise have to pay out-of-pocket. 

Good to know:

Employers which meet the following conditions will qualify for the SFEC:

  1. Have contributed at least $750 Skills Development Levy (SDL) over a qualifying period
  2. Have employed at least three Singapore Citizens (SCs) or Permanent Residents (PRs) every month over the same period; and
  3. Have not been qualified at any of the earlier periods.

There will be four qualifying periods:

  1. 1 April 2019 – 31 March 2020
  2. 1 July 2019 – 30 June 2020
  3. 1 October 2019 – 30 September 2020
  4. 1 January 2020 – 31 December 2020


Scheme availability period: 

The final claims for the SFEC-supportable programmes are to be submitted by 30 June 2023.  Credit will be reimbursed to employers from 1 April 2021.

Note: Since the qualifying periods have passed, new applications for PSG do not qualify for SFEC. Applications that fall within the qualifying periods have till 30 June 2023 to complete their PSG to be reimbursed for SFEC.


Application and claim process: 

Once a claim for PSG has been submitted, SFEC will automatically be disbursed via IRAS from 1 April 2021 to qualifying businesses. 


3. Digital Resilience Bonus (DRB) 


In a nutshell: 

Food Services that have PayNow Corporate accounts without suffix, e-invoicing, and use pre-defined digital solutions for Business Processes, Digital Presence and Data Mining and Analytics can receive bonus payouts of up to $10,000.


Good to know:

To qualify for Category 1 payout, your restaurant must use all three qualified solutions below at least once a month. To qualify for a Category 2 and/or 3 payout, your restaurant must be using a qualified solution at least once a month. 


Categories Solution Type Payout
Category 1: Business Process Solutions  1.1 Accounting

1.2 HR/Payroll and 

1.3 Digital Ordering for Dine-in/ Takeaway 


Category 2: Online Presence 


Online Food Delivery (via food delivery platforms or own online shopfront) or e-Procurement 




Category 3: Data Mining and Analytics


Data Mining and Analytics 








In addition to using the qualified solutions for each category, restaurants must also fulfil these criteria: 

  • Restaurant’s company UEN must be incorporated on or before 26 May 2020
  • Restaurant’s company UEN must have an active PayNow Corporate account
  • Restaurant’s company UEN must be using InvoiceNow 


Scheme availability period, application and claims process: 

There is no need for you to submit any application.

Providers of Qualified Solutions will submit your UEN to IMDA if you are using the solutions between 1 June 2020 and 30 June 2021.



Now that you know you’ll receive support from PSG and SFEC, request for a demo of ChopeBook and/or ChopeQueues to get started on your digital solutions.


Sarah Yap

As Chope’s Product Marketing Manager, Sarah is excited to share about the opportunities that our technology unlocks to restaurants in Asia.


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