QR Pay is a QR code that leads to a payment page in the browser u2013 where customers can pay using TWINT, Visa, Mastercard, Apple Pay, Google Pay or PostFinance Pay. For farm shops and weekly markets in Switzerland, this is the most universal solution without hardware: no terminal or merchant smartphone is needed, yet card payment is possible. The transaction fee starts at 1.25% + CHF 0.00 per payment (Visa cooperation) u2013 cheaper than a TWINT QR sticker.

This guide explains the difference between QR Pay and the classic TWINT QR sticker, shows practical application scenarios for direct marketing and breaks down the costs.

1. What is QR Pay and how does it differ from the TWINT QR sticker?

The TWINT QR sticker directly opens the TWINT app. The customer enters the amount themselves and pays via TWINT. Other payment methods are not available. QR Pay, on the other hand, opens a payment page in the smartphone browser. All activated payment methods are available there: TWINT, Visa, Mastercard, Apple Pay, Google Pay, PostFinance Pay and more. The customer chooses their preferred method, enters the amount (or the amount is already predefined) and completes the payment.

The key difference: QR Pay is payment-method-neutral. A single QR code covers all payment methods. This makes QR Pay particularly valuable for farm shops and market stalls that serve both Swiss regular customers (TWINT) and tourists (Visa, Apple Pay).

What happens if someone scans the QR code with the TWINT app?

An important practical point: if a customer scans the QR Pay code with the TWINT app instead of the smartphone camera, TWINT recognises the code and processes the payment directly via TWINT. The customer does not have to open the browser first. This works in parallel: those who have TWINT pay directly via TWINT. Those who do not have TWINT scan with the camera and end up on the payment page.

2. How QR Pay works: customer scans, chooses payment method, pays

The process from a customer's perspective is remarkably simple: the customer sees the QR code on the shelf, on the counter or on a display. They open their smartphone camera and scan the code. The browser opens a payment page. There is either a predefined amount (e.g. "Egg box CHF 6") or the customer selects the product from a list. Then they choose the payment method u2013 TWINT, card, Apple Pay u2013 and confirm. The payment is completed, and they optionally receive a receipt by email.

For the merchant: You create the QR code once online (e.g. via the Payrexx Dashboard), print it out and display it. After that, no further operation is required. Every transaction automatically appears in the Dashboard.

3. Which payment methods are available via QR Pay

The available payment methods depend on the provider and the activated plan. Via Payrexx QR Pay, the following methods are available in Switzerland: TWINT, Visa (debit and credit), Mastercard (debit and credit), Apple Pay, Google Pay, Samsung Pay, PostFinance Pay and Click to Pay. This means a single QR code covers all common Swiss payment methods plus international cards.

4. QR Pay in the farm shop: staffed, unstaffed and seasonal

Self-service farm shop (unstaffed)

QR Pay is the strongest option for unstaffed farm shops: one QR code per product on the shelf (e.g. "Honey CHF 12") or a QR code with a product list where the customer selects their product. The amount is predefined u2013 this prevents underpayment, which is not possible with the pure TWINT QR sticker. Neither electricity nor internet is needed at the location u2013 the customer's smartphone handles everything.

Staffed farm shop business

In staffed farm shops, QR Pay is an ideal supplement to the terminal or Tap to Pay. A QR code on the counter or at the checkout offers an additional payment option u2013 especially useful when queues form or when the terminal is currently in use.

Seasonal sales stall

Strawberries in June, asparagus in April, pumpkins in October: for seasonal stalls, QR Pay is ideal because no terminal needs to be rented or purchased. You print out the QR code, put it up, and take it down again after the season. No fixed costs during the months with no sales.

5. QR Pay at the weekly market: accept payments quickly without a device

At the weekly market, you stand personally at the stall. QR Pay works here as an additional channel alongside cash and the terminal. A QR code on a display or laminated on the counter allows customers to pay independently u2013 while you take the next order. Particularly useful during rush hours: instead of processing every payment individually on the terminal, several customers can pay simultaneously via QR Pay.

Practical tip: set up the QR code so that it is clearly visible and can be scanned from close range. A laminated A5 display on the counter works well. Label it with "Pay here: TWINT, Card, Apple Pay" and the accepted payment logos.

6. Costs: what QR Pay costs per transaction

QR Pay with the Visa cooperation (1.25% + CHF 0.00) is the cheapest QR-based payment method u2013 cheaper than the TWINT QR sticker. For an egg box costing CHF 6, that's only CHF 0.08. On top of that, you get all the other payment methods that the TWINT sticker cannot offer. The monthly fee for the Payrexx Free plan: CHF 0.

7. Combining QR Pay: interaction with your terminal and Tap to Pay

QR Pay does not replace a terminal or Tap to Pay, but complements both. Typical combinations for direct marketing:

Farm shop without staff: QR Pay as the primary solution (no terminal needed). Weekly market: terminal or Tap to Pay for the fast checkout, QR Pay as a secondary channel when queues form. Seasonal stall: QR Pay alone u2013 no fixed costs out of season. Farm shop + online shop: QR Pay transactions and online orders run through the same Dashboard.

Important: With Payrexx, all transactions u2013 whether QR Pay, Tap to Pay, terminal or online u2013 appear in the same Dashboard. Payments are paid out collectively to a bank account. This simplifies bookkeeping significantly compared to using multiple separate systems.

8. Checklist: setting up QR Pay for your farm shop or weekly market

• Open a Payrexx account (Free plan is sufficient) and complete the KYC verification.

• Activate QR Pay in the Dashboard and configure the payment page: products, prices, logo.

• Generate QR code: per product (static) or as a dynamic product list.

• Print out the QR code and mount it weatherproofly: laminated, in acrylic glass or as an aluminium sign.

• Test readability: scan the QR code from different angles and in bright sunlight.

• Add payment logos to the stand or shelf: "Pay here: TWINT, Visa, Mastercard, Apple Pay".

• Perform a test payment: scan it with your own smartphone and complete a test payment.

• Update prices regularly: online in the Dashboard for dynamic QR codes, print a new code for static ones.

• Check transactions in the Dashboard: set payout frequency (daily/weekly).

How to make your farm shop or market stall cashless with Payrexx QR Pay

Payrexx QR Pay is a QR-based payment solution designed specifically for small sales and self-service. You create a payment page with your products and prices in the Payrexx Dashboard, generate a QR code and print it out. Customers scan the code and pay using TWINT, Visa, Mastercard, Apple Pay, Google Pay or PostFinance Pay u2013 via a hosted payment page, with no app download required.

The transaction fee starts at 1.25% + CHF 0.00 (Visa cooperation) u2013 that is CHF 0.08 for a purchase of CHF 6. The Free plan costs CHF 0 per month. QR Pay can be combined with Tap to Pay, POS terminals, payment links and the Payrexx online shop u2013 all transactions end up in the same Dashboard, and payouts are bundled to your bank account.

Get started at payrexx.com/products/qr-pay u2013 create your QR code, print it out and start accepting payments.