Scan-to-Pay lets you accept card payments via QR code, no terminal required. Your customer scans the code with their phone camera, a secure payment page opens in their browser, and they pay with a card, Apple Pay, or Google Pay. In order for you to start using this feature, you will need to complete a short onboarding process. For more information on the onboarding process, go to this page
How does Scan-to-Pay work?
Your customer scans the QR code using their phone camera
A secure payment page opens in their browser
They make the payment via their card.
For more info on how this works, go to this page
What are the two QR modes?
Scan-to-Pay can be used in two ways:
Permanent QR (static code): can be shared on websites, invoices, or messages. Can also be printed and placed in your store.
Create QR (dynamic code): at a store or checkout, similar to a payment terminals (point-of-sale) experience
Please note, with Create QR, you control the amount. With Permanent QR, the customer types it in. For fixed-price items, always use Create QR to avoid underpayments.
Do your customers need to download an app?
No, they don’t need to download anything. Payments are completed directly in their phone’s browser.
Is Scan-to-Pay secure?
Yes. Payments are processed through a secure payment page, similar to standard online checkouts. The secure payment page is provided by [Vivid/Adyen].
Which card types are supported?
Customers can pay using Visa, Mastercard,AMEX, Apple Pay, Google Pay, and more. All payouts are processed in EUR, but customers can pay in any currency. The payout is converted to EUR at the exchange rate at the time of the transaction. For more information on this, check this article
Are there any fees or limits?
Generating QR-codes is free, however, a transaction fee applies to all payments collected via card. View detailed fee information here
For QR-codes the monthly transaction limit is EUR 25,000. For more information on limits, you can check this article.
How is Scan-to-Pay different from a payment terminal?
A terminal requires hardware, setup, and ongoing rental costs. Scan-to-Pay runs entirely on a smartphone to generate the code, and your customers phone to scan it. It’s a practical fit for mobile sellers, market stalls, or early-stage businesses. Keep in mind the monthly transaction cap is €25,000. Once you’re consistently hitting that, a physical terminal may be the better long-term fit.