QR Code Merchant Payments

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What you can build
Your customers pay a merchant by scanning a QR code. The money is collected, attributed to the merchant, and settled.

How the money moves

Customer scans and pays → collected → attributed to the merchant → settled

Flow guide
Collections	✓
Settlements	✓
POBO / COBO	◐ only if you move money for your own customers
MCA	✓

Create the customer — Create Individual User
Create a payin order with a QR-capable local method — Create Order · methods: List Payment Methods
On fund_settled, confirm the payment to the merchant
Settle each merchant what they're owed — Settlements

To pay a merchant by scanning their QR code instead, see QR Payouts.

Collecting for many merchants? Attribute each payment with the merchant's mid — POBO / COBO
Credit on fund_settled, not when the customer returns from the payment page.