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Once you have a QR Pay balance, paying is the same everywhere: scan, check, confirm. The merchant receives local currency.

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Pay a merchant

1

Tap Scan in QR Pay

Open QR Pay and tap Scan.
2

Scan the merchant's QR code

Point the camera at the code. A printed sticker at the counter works the same as a code on a screen.
3

Check the details

Check the merchant name, then enter the amount if the code does not already include it. The app shows the amount in local currency.
4

Swipe to confirm

Any fee appears before you confirm, so you always see the total first.

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Which QR codes work

In Vietnam only: QR Pay pays QR codes belonging to Vietnamese account holders. A code linked to an account held by a foreigner will not go through, so ask the merchant for a different code. This rule does not apply in the Philippines.

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Keep the payment message plain

Many banks reject a transfer whose message contains characters outside letters, numbers and spaces, such as a hyphen, a slash, a dot or an equals sign. When that happens the payment fails.
  • The in app message keyboard has no special characters, so anything you type is already safe.
  • If the merchant’s QR code carries a message with special characters in it, ask them for a plain code.
If a payment shows as still processing, do not pay again. Wait for the final status so you do not pay twice. More in Why a Payment Fails.