Customer Presented QRC

The standard in digital wallet payments

Advantages of the Customer Presented QRC Scenario

Merchants can benefit from choosing a use case where customers generate a QR code in their digital wallet app for POS payments. It simplifies checkout by reducing friction and saving time. Customers can easily access their digital wallet app, generate the QR code, and show it to the merchant, making payments easier. Using customer-generated QR codes ensures a consistent payment process without the need for merchants to create their own codes. It also adds an extra layer of security since the QR code is generated within the customer's own app, reducing the risk of fraud. This approach aligns with the trend of digital wallets and contactless payments, providing a modern payment solution that enhances the overall customer experience and appeals to tech-savvy consumers. By selecting this use case, merchants can enjoy streamlined checkout, standardized payments, improved security, and keep up with evolving payment trends, resulting in a convenient and user-friendly payment experience for their customers.

In-store User Experience

Common Customer Presented QRC Payment Scenario

  1. 1.
    Customer Opens Digital Wallet: The customer accesses their digital wallet app on their smartphone or other compatible device.
  2. 2.
    Generates QR Code: Within the digital wallet, the customer selects the payment method they wish to use and generates a unique QR code representing the transaction details.
  3. 3.
    Merchant Prepares to Scan: The merchant ensures their QR code scanner or point-of-sale (POS) system is ready to scan the customer's QR code.
  4. 4.
    Customer Presents QR Code: The customer presents their smartphone or device with the generated QR code to the merchant for scanning. The QR code may be displayed on the device screen or generated as a scannable image.
  5. 5.
    Merchant Scans the QR Code: Using their QR code scanner or POS system, the merchant scans the customer's QR code. This process captures the encoded payment information embedded within the QR code.
  6. 6.
    Payment Confirmation: The scanned QR code is processed by the merchant's system, verifying the transaction details and initiating the payment process.
  7. 7.
    Customer Authorizes Payment: Depending on the digital wallet app or payment method used, the customer may need to provide additional authentication, such as a fingerprint, PIN, or facial recognition, to authorize the payment.
  8. 8.
    Payment Processing: The merchant's system securely transmits the authorized payment information to the respective payment service provider or acquiring bank for processing.
  9. 9.
    Transaction Approval: The payment service provider or acquiring bank validates the payment request, ensuring the availability of funds and verifying the transaction's integrity.
  10. 10.
    Payment Confirmation: Once the payment is approved, the merchant's system generates a confirmation message or receipt, indicating the successful completion of the transaction. This confirmation is shared with the customer.
  11. 11.
    Customer Completes the Purchase: With the payment successfully processed, the customer receives their purchased items or services from the merchant, completing the transaction.

Payment Methods Supported

Payment Method
OneQ App

Customer Presented QRC API Call Sequenceima

End User Journey and API Workflow

  • A customer approaches the POS manager who drafts an itemized bill for the ‘outgoing merchandise’.
  • Upon inquiry, the consumer reveals that they would like to pay using a digital wallet. The POS manager selects ‘Digital Wallet’ which prompts the Point-of-Sale to call the "/add” API for the creation of a transaction ID.
    • POST
curl -XPOST -d '{
"merchantNo": "200043",
"storeNo": "300014",
"verifySign": "c29c8240bf99510d4d53a0ca36f9c135",
"amount": "13",
"currency": "USD",
"settleCurrency": "USD",
"reference": "test202001011206"
}' ''
  • At the same time, the Point-of-Sale analyzes the response message from the /add API to identify and store the transaction number. Once the transaction ID is created, the customer will present a QR code to the POS manager for scanning.
  • As the QR code is scanned, the POS system calls Pockyt’s “/prepay” API to process the digital wallet payment.
    • POST
curl -XPOST -H "Content-type: application/json" -d '{
"merchantNo": "200043",
"storeNo": "300014",
"verifySign": "f38965887c5676e2fb19d951251eb613",
"transactionNo": "297553636764407286", "paymentBarcode": "286498530672949108",
"vendor": "alipay"
}' ''
  • The POS manager now polls for the transaction status using the “/tran-query” API and the customer sees a UI prompting them to confirm the transaction.
    • POST
curl -XPOST -H "Content-type: application/json" -d '{
"merchantNo": "200043",
"storeNo": "300014",
"transactionNo": "297553638300708562",
"verifySign": "0df745088d7202a6d186596acdc82c6a"
}' ''
  • Upon confirmation, the digital wallet server processes the payment and notifies Pockyt about the completed transaction.
  • Pockyt relays the transaction status to the POS system and a ‘success’ message appears on a customer-facing display.
  • It is now time for the POS system to generate a customer receipt that records the entire transaction information.
Last modified 6mo ago