Merchant Presented QRC
A less common use case, however effective
Presenting their own QR code for customers to scan during in-store payments can be advantageous for merchants in various scenarios. Firstly, it offers a streamlined checkout experience, eliminating the need for customers to navigate their own digital wallet app and saving time. By utilizing the merchant's QR code, the payment process becomes standardized for all customers, ensuring consistency and ease of execution.
Furthermore, integrating the QR code with loyalty programs or discounts enhances customer engagement and satisfaction by enabling seamless participation and automatic benefits. The merchant's QR code also serves as a branding and marketing tool, allowing them to showcase their identity and communicate promotional messages.
Additionally, utilizing their own QR code empowers merchants to track and analyze transaction data, providing valuable insights for marketing strategies and business operations. Lastly, presenting their own QR code allows merchants to exercise greater control over the payment process, implementing security measures and ensuring a secure transaction experience for customers.
Although using the customer's own digital wallet QR code offers convenience, merchants can leverage the advantages of presenting their QR code to enhance the checkout experience, integrate loyalty programs, drive branding efforts, track transactions, and provide secure payment solutions.
- 1.Customer opens a digital wallet app on their smartphone that supports QR code payments.
- 2.Customer locates the QR code displayed at the checkout counter or on the payment terminal in the retail shop.
- 3.Customer opens the QR code scanner within the digital wallet app.
- 4.Customer scans the QR code displayed in the retail shop using their smartphone's camera.
- 5.The digital wallet app reads the QR code and retrieves the payment information embedded within it.
- 6.The app prompts the customer to confirm the payment details, such as the purchase amount and recipient information.
- 7.Customer verifies the payment details and authenticates the transaction, typically by providing a PIN, fingerprint, or facial recognition.
- 8.Once the payment is confirmed, the digital wallet app securely sends the payment information to the payment processor or financial institution.
- 9.The payment processor or financial institution verifies the transaction and processes the payment.
- 10.The retail shop's payment terminal receives the confirmation of the successful payment.
- 11.The transaction is completed, and the customer receives a payment confirmation on their smartphone or within the digital wallet app.
- 12.The customer can then collect their purchased items and leave the retail shop.
The following table outlines the payment methods available for merchants using the merchant-presented QR code payment scenario:
- Hosted Page: The static QR code directs customers to a hosted page on their device, enabling them to complete payment through the mobile browser on their device.
- In-App Digital Wallet: The static QR code can be scanned from within the consumer's digital wallet app, automatically populating transaction data into the app's checkout flow.
These payment methods provide convenient and secure options for customers to complete their transactions when presented with a merchant's QR code.
Payment Method | Implementation Type |
|---|---|
Standard ACH | Hosted Page |
Same Day ACH | Hosted Page |
Real Time Payment | Hosted Page |
American Express | Hosted Page |
Diners | Hosted Page |
Discover | Hosted Page |
JCB | Hosted Page |
MasterCard | Hosted Page |
UnionPay | Hosted Page |
Visa | Hosted Page |
AliPay | Hosted Page, In Digital Wallet App |
AliPayHK | Hosted Page, In Digital Wallet App |
Boost | Hosted Page, In Digital Wallet App |
CashApp | Hosted Page, In Digital Wallet App |
Dana | Hosted Page, In Digital Wallet App |
EasyPaisa | Hosted Page, In Digital Wallet App |
Gcash | Hosted Page, In Digital Wallet App |
KakaoPay | Hosted Page, In Digital Wallet App |
PayPal | Hosted Page, In Digital Wallet App |
Touchn'Go | Hosted Page, In Digital Wallet App |
TrueMoney | Hosted Page, In Digital Wallet App |
Venmo | Hosted Page, In Digital Wallet App |
PayPal | Hosted Page, In Digital Wallet App |
WeChatPay | Hosted Page, In Digital Wallet App |
bKash | Hosted Page, In Digital Wallet App |
PayPay | Hosted Page, In Digital Wallet App |
PayTM | Hosted Page, In Digital Wallet App |
Pix | Hosted Page, In Digital Wallet App |
Toss | Hosted Page, In Digital Wallet App |
Airtel | Hosted Page, In Digital Wallet App |
Boleto | Hosted Page, In Digital Wallet App |
Giropay | Hosted Page, In Digital Wallet App |
HanaMoney | Hosted Page, In Digital Wallet App |
LinePay | Hosted Page, In Digital Wallet App |
M-Pesa | Hosted Page, In Digital Wallet App |
MultiCaja | Hosted Page, In Digital Wallet App |
Oxxo | Hosted Page, In Digital Wallet App |
OneQ App | Hosted Page, In Digital Wallet App |
Below are the steps of the transaction itinerary in a merchant-presented QR Code payment.
- A customer approaches the Point-of-Sale (POS) manager presiding over a customer checkout within an in-store retail environment.
- Upon inquiry, the customer reveals that they want to make the payment for the purchased items via a digital wallet.
- The POS manager selects “Digital Wallet” as the tender type and the POS system calls Pockyt’s /create-trans-qrcode API to generate the QR Code.
- POST: https://mapi.yuansfer.com/app-instore/v3/create-trans-qrcode
curl -XPOST -H "Content-type: application/json" -d '{
"merchantNo": "200043",
"storeNo": "300014",
"verifySign": "45bfac0286debaf0c316c011d6842d2c",
"amount": "0.11",
"currency": "USD",
"settleCurrency": "USD",
"needQrcode" "true",
"reference": "test2020102023",
"ipnUrl": "http://zk-tys.yunkeguan.com/login/test",
"needQrcode": "true",
"vendor": "alipay",
"timeout": "120"
}' 'https://mapi.yuansfer.com/app-instore/v3/create-trans-qrcode'
- The Pockyt endpoint generates the QR Code along with a transaction no. that appears on a customer-facing display.
- The customer opens their digital wallet app and scans the merchant’s QR Code to make the payment. However, before the payment is processed, the customer encounters a UI prompting them to confirm (or cancel) the transaction.
- Upon confirmation, the digital wallet server processes the payment and alerts Pockyt with the transaction result along with a transaction number.
- Pockyt relays the processing results from the wallet service to the merchant’s Point- of-Sale via IPN callback.
- The Point-of-Sale generates a customer receipt marking the end of the transaction.
- See tutorial section attached on how to configure your IPN callback settings
Last modified 5mo ago