QR Code Payments- What are they and How do they work?

In today’s fast-paced digital world, convenience is key. One technology that has revolutionised payment systems is QR code payments. With their widespread adoption across various industries, it’s essential to understand what QR code payments are and how they work. In this blog post, we will delve into the intricacies of QR code payments and explore their benefits for businesses, customers, and charities.

What are QR Code Payments?

QR code payments are a secure and convenient method of making digital transactions using Quick Response (QR) codes. These codes are two-dimensional barcodes that can be scanned using a smartphone or a dedicated QR code reader. By scanning the QR code, customers can initiate payments directly from their mobile devices, eliminating the need for physical cash or credit cards.

How Do QR Code Payments Work? 

The process of QR code payments involves three key players: the customer, the business or charity, and the payment solution provider like FETCHpay. Here’s a step-by-step breakdown of how QR code payments work:

  1. Customer Scans the QR Code:

    To make a payment, the customer scans the QR code displayed by the business or charity. This QR code may be presented on a tabletop, receipt, or any other  promotional material.

  2. Payment Details and Authorisation:

    Upon scanning the QR code, the customer’s smartphone is directed to a secure payment gateway. The payment gateway retrieves the payment details, such as the amount and recipient, and prompts the customer to authorise the transaction.

  3. Transaction Processing:

    Once the customer authorises the payment, the transaction details are securely transmitted to the payment solution provider, such as FETCHpay. The provider processes the payment and communicates with the customer’s banking or digital wallet app to complete the transaction.

  4. Confirmation and Receipt:

    After the transaction is successfully processed, both the customer and the business or charity receive confirmation of the payment. The customer’s mobile device typically displays a digital receipt or allows them to download the receipts, while the business or charity may receive real-time notifications.

How Do QR Code Payments Work? 

  1. Convenience and Speed:

    QR code payments offer a faster and more convenient alternative to traditional payment methods. Customers can complete transactions in a matter of seconds, enhancing the overall efficiency of the payment process.

  2. Enhanced Security:

    QR code payments employ robust encryption protocols and tokenisation to ensure the security of transactions. This reduces the risk of fraud and provides customers with peace of mind.

  3. Improved Customer Experience:

    Businesses and charities that adopt QR code payments provide their customers with a seamless and frictionless payment experience. Customers appreciate the ease of use and the ability to make payments without the hassle of cash or credit cards.

  4. Integration with Other Services:

    QR code payment solutions, like those offered by FETCHpay, often come with additional features such as pay-at-table, digital tipping, and order and pay options. This integration enhances the overall customer experience and streamlines operations for businesses.

  5. Support for Charitable Initiatives:

    QR code payments can be leveraged for charitable purposes. By simply scanning a QR code, individuals can easily make donations to their favourite causes or support charitable events.


QR code payments have transformed the way businesses, customers, and charities conduct transactions. With their speed, security, and convenience, QR code payments offer a modern payment solution that is here to stay. Businesses that embrace QR code payments, such as those powered by FETCHpay’s innovative solutions, can improve their customer experience, streamline operations, and stay ahead in the competitive marketplace. 

So, why wait? Embrace QR code payments today and unlock a world of convenience and efficiency for your business or charitable organisation. 

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