QR Pay is a QR code that leads to a payment page in the browser – 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 required, yet card payment is still possible. The transaction fee starts at 1.25% + EUR 0.00 per payment (Visa cooperation) – cheaper than a TWINT QR sticker.

This guide explains the difference between QR Pay and the classic TWINT QR sticker, shows the specific use cases for direct marketing and calculates the costs.

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

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

The crucial 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 regular Swiss 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 routes the payment directly via TWINT. The customer does not have to open the browser first. This works in parallel: anyone who has TWINT pays directly via TWINT. Anyone who does not have TWINT scans with the camera and lands on the payment page.

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

The process from the customer's perspective is extremely simple: the customer sees the QR code on the shelf, on the counter or on the display stand. They open the smartphone camera and scan the code. The browser opens a payment page. There is either a predefined amount (e.g. «Egg carton EUR 6») or the customer selects the product from a list. Then they choose the payment method – TWINT, card, Apple Pay – and confirm. The payment is completed, and optionally they 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 appears automatically 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 EUR 12») or a QR code with a product list from which the customer selects their product. The amount is predefined – this prevents underpayment, which is not possible with a pure TWINT QR sticker. No electricity or internet is needed at the location – the customer's smartphone handles everything.

Staffed farm shop business

In a staffed farm shop, QR Pay is a supplement to the terminal or Tap to Pay. A QR code on the counter or at the cash register offers an additional payment option – especially useful during queues or when the terminal is currently busy.

Seasonal sales stall

Strawberries in June, asparagus in April, pumpkins in October: QR Pay is ideal for seasonal stalls because no terminal needs to be rented or purchased. You print the QR code, hang it up, and take it down again after the season. No fixed costs in the months without sales.

5. QR Pay on the weekly market: fast checkout without a device

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

Practical tip: set up the QR code so that it is clearly visible and scannable from close range. A laminated A5-sized display stand on the counter works well. Label it with «Pay here: TWINT, Card, Apple Pay» and the accepted payment symbols.

6. Costs: how much QR Pay costs per transaction

QR Pay with the Visa cooperation (1.25% + EUR 0.00) is the cheapest QR-based payment method – cheaper than the TWINT QR sticker. For an egg carton for EUR 6, that's just EUR 0.08. In addition, you get all other payment methods that the TWINT sticker cannot offer. The monthly fee for the Payrexx Free plan: EUR 0.

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

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

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

Important: With Payrexx, all transactions – whether QR Pay, Tap to Pay, terminal or online – appear in the same Dashboard. The payout is made in a bundled manner to a bank account. This simplifies accounting considerably compared to multiple separate systems.

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

• Open a Payrexx account (Free plan is sufficient) and complete 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 display it weatherproof: laminated, in acrylic glass or as an aluminium sign.

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

• Affix payment symbols to the stall or shelf: «Pay here: TWINT, Visa, Mastercard, Apple Pay».

• Carry out a test payment: scan 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 with TWINT, Visa, Mastercard, Apple Pay, Google Pay or PostFinance Pay – via a hosted payment page, without any app download.

The transaction fee starts at 1.25% + EUR 0.00 (Visa cooperation) – that's EUR 0.08 for a purchase of EUR 6. The Free plan costs EUR 0 per month. QR Pay can be combined with Tap to Pay, POS terminals, Payment Links and the Payrexx online shop – all transactions land in the same Dashboard, and the payout is bundled to your bank account.

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