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GuidesAPI Reference

Pay with QR

  • EMVCo Standard QR Code Payments

Mobile push payment is a simple, secure and fast way to pay and be paid using mobile phones (both smartphones and feature phones) that ride the rails of the MCQR & Visa Direct APIs.

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Overview

A ‘push’ payments solution that enables merchants to easily accept electronic payments at a very low cost of acquisition.

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How to make a QR payment

Once you have selected a card to make payment with, you have to click on the middle button at the bottom of the screen, which will then enable you to use the camera to scan the QR code in the merchant store.

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Benefits

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How QR works

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  1. Cardholder scans QR code and confirms transaction with PIN or biometric to initiate payment transaction.
  2. Issuer (OI) verifies and debits from customer funding source.
  3. Issuer (OI) submits payment transaction to scheme (Visa / MasterCard) network, leveraging available APIs.
  4. Scheme (Visa / MasterCard) routes the transaction to acquirer (RI), leveraging BIN utilised in creating merchant PAN.
  5. Acquirer (RI) credits merchant & notifies merchant.
  6. Acquirer (RI) acknowledges successful transaction to issuer (OI) via schemes.
  7. Issuer (OI) receives successful response of payment completion.
  8. Customer receives the payment confirmation message.

Updated almost 4 years ago