QR-Pay for farm shops and weekly markets in Switzerland: One QR code, all payment methods

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 hardware-free solution: no terminal, no Comerciante smartphone required, yet card payments are accepted. The transaction fee is 1.25% + EUR 0.30 per payment on the free Free plan.

This guide explains the difference between QR Pay and the classic TWINT QR sticker, demonstrates specific use cases for direct marketing, and details 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. Customers enter the amount themselves and pay via TWINT. Other payment methods are not supported. QR Pay, on the other hand, opens a payment page in the smartphone browser. There, all enabled payment methods are available: TWINT, Visa, Mastercard, Apple Pay, Google Pay, PostFinance Pay, and more. The customer selects the preferred method, enters the amount (or the amount is already preset), and completes the payment.

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

What happens when 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 routes 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 the customer's perspective is remarkably simple: The customer sees the QR code on the shelf, on the counter, or on a display stand. They open the smartphone camera and scan the code. The browser opens a payment page. There, either a preset amount is displayed (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 complete, and they optionally receive a receipt via email.

For the Comerciante: 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 needed. 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. Thus, a single QR code covers all common Swiss payment methods plus international cards.

4. QR Pay in the farm shop: Attended, unattended, and seasonal

Self-service farm shop (unattended)

QR Pay is the strongest option for unattended 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 preset – this prevents underpayment, which is not possible with a pure TWINT QR sticker. No electricity, no internet required at the location – the customer's smartphone handles everything.

Attended farm shop business

In an attended farm shop, QR Pay serves as a complement to a 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 occupied.

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 the QR code, put it up, and take it down after the season. No fixed costs during months without sales.

5. QR Pay at the weekly market: Fast checkout without a device

At the weekly market, you are personally at the stall. QR Pay works here as an additional channel alongside cash and terminals. A QR code on a display stand or laminated on the counter allows customers to pay independently – while you attend to 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: Position the QR code so that it is clearly visible and scannable from close range. A laminated display stand in A5 format 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

For micro-amounts, the TWINT QR sticker is cheaper: For an egg carton for EUR 6, the sticker costs EUR 0.08, while QR Pay costs EUR 0.38. In return, QR Pay covers all payment methods, presets the amount, and records every payment in the Dashboard – with no monthly fee on the Payrexx Free plan.

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

QR Pay replaces neither a terminal nor Tap to Pay, but complements both. Typical combinations for direct marketing:

Unstaffed farm shop: QR Pay as primary solution (no terminal required). Weekly market: Terminal or Tap to Pay for 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. Payouts are bundled into one bank account. This simplifies accounting significantly compared to multiple separate systems.

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

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

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

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

• Print QR code and install weatherproof: laminated, in acrylic glass, or as an aluminium sign.

• Test legibility: scan QR code from various angles and in sunlight.

• Apply payment logos at the stall or shelf: «Pay here: TWINT, Visa, Mastercard, Apple Pay».

• Conduct 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 schedule (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, with no app download required.

The transaction fee is 1.25% + EUR 0.30 – that is EUR 0.38 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 end up in the same Dashboard, and payouts are bundled to your bank account.

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