QR PAYMENTS WITHOUT A TERMINAL

Show a QR code. The customer pays. The money lands in your Stripe.

Q: What is PAY on QR?

PAY on QR is a payment platform that lets small businesses accept card payments by displaying a QR code - no physical terminal required. Customers scan the code with their phone camera, pay by card, Apple Pay, or Google Pay, and the money goes directly into the business's own Stripe account.

Q: How much does PAY on QR cost?

There's no monthly subscription. PAY on QR charges a small percentage per successful payment: 1.5% for your first 10 payments, 1.2% for payments 11-20, and 1.0% from payment 21 onward - permanently, it never resets back up.

Q: Do I need to buy a card reader or POS terminal?

No. Your phone is the only hardware you need. You generate a QR code on screen, the customer scans it with their own phone camera, and completes the payment - PAY on QR turns your existing phone into a payment terminal.

Q: Does PAY on QR hold my money?

No. Payments are processed through Stripe Connect, and funds go directly into your own Stripe account, not through PAY on QR. The platform only automatically deducts its small fee at the moment of each transaction.

Q: Can I add staff to help process payments?

Yes. Business owners can add staff accounts that can generate payments and view their own transaction history, without access to account settings, refunds, or the owner's financial details.

Q: What payment methods can my customers use?

Customers can pay with any major debit or credit card, Apple Pay, or Google Pay, directly from their phone's browser - no app download required on their end.

Q: How long does it take to start accepting payments?

Most businesses are ready to accept their first payment in under 2 minutes: sign up, connect a Stripe account, and generate your first QR code.

Q: Is it safe to accept payments this way?

Yes. All payments are processed by Stripe, a PCI DSS Level 1 certified payment processor - the same standard used by large global platforms. PAY on QR never sees or stores your customers' card details.

PAY on QR turns your phone into a virtual POS terminal. No hardware, no waiting, no middleman – the money goes straight into your own Stripe account.

1.0% lowest fee

€0 monthly subscription

<2 min to your first payment

↳ payonqr.com

TRY IT YOURSELF

Go ahead, scan it

That’s a real QR code – the same kind your customers will see on your counter. Point your phone camera at it and see how effortless the experience is. No app, no typing, no waiting.

Experience Checkout from Your Customer’s Shoes

Point your smartphone camera at the QR code below to test a live. This is the exact, effortless payment flow your customers will see on your counter.

⚡ Zero Apps Needed — Works instantly in any mobile browser
🔒 100% Secure — Powered by Stripe’s encrypted infrastructure
🚀 Lightning Fast — No manual typing, no waiting, no friction

PROCESS

From sign-up to your first PAY on QR

Sign up

Create a free account with your business name and email.

Connect Stripe

Onboarding happens directly through Stripe – your money, your control.

Generate a QR code

Enter an amount, or use a saved service with a fixed price.

Get paid

The customer scans and pays by card, Apple Pay, or Google Pay.

FEATURES

Everything you need, in one place

Virtual POS

A keypad on your phone generates a QR code for any amount, in seconds.

Saved services

Fixed-price QR codes for your services – print once, use forever.

History & refunds

A full payment log with partial or full refunds.

Revenue by service

See at a glance which service brings in the most revenue.

Staff accounts

Add staff with access to the POS, without access to your finances.

Print-ready signs

One click prints a clean QR sign for any service – put it on the counter and start taking payments.

FAQ

Frequently asked questions

Everything small business owners ask before switching to QR payments.

What is PAY on QR?

PAY on QR is a payment platform that lets small businesses accept card payments by displaying a QR code – no physical terminal required. Customers scan the code with their phone camera, pay by card, Apple Pay, or Google Pay, and the money goes directly into the business’s own Stripe account.

How much does PAY on QR cost?

There’s no monthly subscription. PAY on QR charges a small percentage per successful payment: 1.5% for your first 10 payments, 1.2% for payments 11-20, and 1.0% from payment 21 onward – permanently, it never resets back up.

Do I need to buy a card reader or POS terminal?

No. Your phone is the only hardware you need. You generate a QR code on screen, the customer scans it with their own phone camera, and completes the payment – PAY on QR turns your existing phone into a payment terminal.

Does PAY on QR hold my money?

No. Payments are processed through Stripe Connect, and funds go directly into your own Stripe account, not through PAY on QR. The platform only automatically deducts its small fee at the moment of each transaction.

Can I add staff to help process payments?

Yes. Business owners can add staff accounts that can generate payments and view their own transaction history, without access to account settings, refunds, or the owner’s financial details.

What payment methods can my customers use?

Customers can pay with any major debit or credit card, Apple Pay, or Google Pay, directly from their phone’s browser – no app download required on their end.

How long does it take to start accepting payments?

Most businesses are ready to accept their first payment in under 2 minutes: sign up, connect a Stripe account, and generate your first QR code.

Is it safe to accept payments this way?

Yes. All payments are processed by Stripe, a PCI DSS Level 1 certified payment processor – the same standard used by large global platforms. PAY on QR never sees or stores your customers’ card details.

Last updated: July 2026