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 smartphone required for the Comerciante, yet card payments are accepted. The transaction fee starts at 1.25% + CHF 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 real-world 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 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's browser. All activated payment methods are available there: 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 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 serving 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 recognizes the code and processes the payment directly via TWINT. The customer does not need 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 land on the payment page.

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

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

For the Comerciante: You generate the QR code once online (e.g., via the Payrexx Dashboard), print it out, and display it. After that, no further operation is needed. 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. Thus, a single QR code covers all common Swiss payment methods plus international cards.

4. QR Pay in farm shops: staffed, self-service, 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 one QR code with a product list from which customers select their product. The amount is predefined – this prevents underpayment, which is not possible with a pure TWINT QR sticker. No power or internet connection is required on-site – the customer's smartphone does everything.

Staffed farm shop business

In staffed farm shops, QR Pay is a supplement to the terminal or Tap to Pay. A QR code on the counter or at the checkout provides an additional payment option – especially useful during queues or when the terminal is busy.

Seasonal sales stands

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

5. QR Pay at the weekly market: fast checkout without devices

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

Practical tip: Position the QR code so that it is clearly visible and easy to scan 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 symbols.

6. Costs: how much QR Pay costs per transaction

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

7. Combining QR Pay: interplay 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:

Unstaffed farm shop: QR Pay as the primary solution (no terminal needed). Weekly market: terminal or Tap to Pay for fast checkout, QR Pay as a secondary channel during queues. Seasonal stand: QR Pay alone – 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 – whether via QR Pay, Tap to Pay, terminal, or online – appear in the same Dashboard. Payouts are bundled to a single bank account. This simplifies accounting 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 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 the QR code and display it weatherproof: laminated, in acrylic glass, or as an aluminum sign.

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

• Display payment symbols at the stand or shelf: "Pay here: TWINT, Visa, Mastercard, Apple Pay".

• Perform 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 stand cashless with Payrexx QR Pay

Payrexx QR Pay is a QR-based payment solution specifically designed 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 downloading any app.

The transaction fee starts at 1.25% + CHF 0.00 (Visa cooperation) – which 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 – all transactions end up in the same Dashboard, and payouts are bundled to your bank account.

Get started at payrexx.com/products/qr-pay – generate QR code, print, and start accepting payments.