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How to set up payment via QR code
You can connect payment acceptance using a QR code directly through the bank, in where the business bank account is opened, or through a payment aggregator. Paysido — an aggregator that takes care of all technical interaction with the SBP and is suitable for businesses of any size: from individual entrepreneurs and self-employed to large retail networks and marketplaces. It’s easier to work through an aggregator - no you need to connect to the bank directly.
Step 1. Register with Paysido. Fill out the form, indicate details of an individual entrepreneur or legal entity, upload your passport, INN and OGRN. The service checks documents and connects a merchant account.
Step 2. Select the QR code type. Static - if there is a flow of clients small and manual input of the amount is acceptable. Dynamic - if important automation and integration with the cash register or website.
Step 3. Set up the integration. For Paysido dynamic QR codes provides API and technical documentation. Developer Support - at every stage. First we work in a test environment, then we transfer it to combat mode.
Step 4. Customize notifications and reporting to suit your processes. B Paysido business dashboard - automatic payment notifications, uploading transactions, setting up reconciliation with the cash register. It helps to control cash flow in real time and reduces manual labor accounting department
Step 5. Make a test payment and make sure everything works correct. Static QR code - print and place on the point sales. Dynamic QR codes are automatically generated for each order at the time of registration.
Advantages and disadvantages of accepting payments by QR code
Accepting payment by QR code through SBP gives businesses tangible benefits.
Low commission. Payment via QR via SBP costs business is much cheaper than card acquiring. The higher the turnover - the more tangible the savings.
No need for a terminal. To connect QR payments do not require a POS terminal or an agreement with the acquiring bank. Enough smartphone or tablet - convenient for outdoor trade, markets and couriers.
Instant deposits. Money arrives at the bank account invoice immediately after scanning the QR code - not after one to three business days, as with card payment. This improves the management of working capital means.
Simplicity for the buyer. The client does not take out the card and does not enter a PIN - simply scans the QR code and confirms the amount. Service at the checkout is faster.
Among the limitations: the buyer needs a smartphone with a banking application. A static QR code requires manual input of the amount - risk of error. For dynamic code requires technical setup of integration with the cash register or website.
Who is eligible for payment by QR code?
QR payment is effective for a wide range of businesses. Restaurants and cafes place a QR code on the tables - the guest pays for the order right at the table, without the participation of a waiter. Online stores add QR payment as an alternative method on the website - this reduces the cost of the transaction and expands the audience. Self-employed people and craftsmen accept money on the go using static code. Small retail outlets operate without terminal - just print the QR code at the checkout.
Service industry - hairdressing salons, cleaning, car services - accept payment using a QR code right on the spot without additional equipment. Medical clinics and educational organizations connect a dynamic QR code to their recording systems and bill the client automatically. Marketplaces and service aggregators use QR payment to simplify settlements with clients at offline points.
Paysido allows you to connect QR payment acceptance in one business day: from registration before the first real transaction. Static QR code available immediately after account activation. Paysido support helps you do first setup and pass testing without difficulty.
Which business accepts payment by QR code?
According to the NSPK, the volume of payments through SBP exceeded 50 trillion rubles - the system has become the standard for non-cash payments in Russia. QR payments are now accepted by retail chains, restaurants, delivery services, medical clinics, educational platforms and marketplaces. For For many of them, the QR code via SBP has become the main or additional channel accepting non-cash payments - especially where speed is important service.
Among Paysido's clients are companies of various sizes: individual entrepreneurs with a small flow and large businesses with thousands of transactions daily. Aggregator provides a unified dashboard, stable operation of the SBP, transparent analytics and support at all stages of connection and operation.
Conclusion
Payment by QR code via SBP - fast, cheap and scalable a way to accept payments for businesses of any size. Without terminal, without queues, with instant transfer of funds. Paysido takes over integration with SBP, provides an API for dynamic QR codes and a single an account for managing all payments. You will receive a static QR code in registration day. Register on Paysido and start accepting payment by QR code today.
FAQ - frequently asked questions
What is payment by QR code?
Payment by QR code works through SBP - the Bank's Fast Payment System Russia. The buyer scans the QR code, the banking application pulls up details and amount, the client confirms with one click - the money is in the account seller in seconds.
More than 200 banks are connected to the SBP. This means that QR payment accept from buyers using any banking application - without reference to specific bank or card. Business receives payment confirmation instantly.
Static QR code
A static QR code is created once and contains constant details merchant. The buyer scans the QR code, enters the payment amount and confirms the payment. This QR code can be printed and placed on at the checkout, in the restaurant menu, on the counter, or sent to the client at messenger.
This format is suitable for small retail outlets, self-employed and couriers. You can do it through the banking application in a few minutes. minutes without registering in a separate service. The main disadvantage is manual input amounts increases the risk of error and makes automatic reconciliation difficult payments in accounting.
Dynamic QR code
A dynamic QR code is generated for each specific order. In it the exact payment amount, product description and unique number are protected transactions - the buyer simply confirms the specified amount. Cashier or the site receives an automatic notification of successful payment.
This QR code integrates with cash register software, CRM and online store via API. It is generated in real time when a check is broken or formation of the order. For a business with a high flow of clients, this is the only working option.
How does QR code payment work?
The algorithm is simple. The seller shows a QR code - static on the counter or dynamic, formed by the cash register. The buyer opens a bank account application, selects payment by QR code and scans the code with the camera smartphone. The application displays the recipient's details and payment amount. The client clicks “Confirm” - and the money is transferred to the business bank account seller.
SBP operates around the clock, without weekends and holidays. Commission for acceptance of QR payments through SBP is significantly lower than with standard card acquiring. For businesses with a turnover of several hundred thousand rubles per month, this becomes a tangible savings item.
An important point for business: payment via QR via SBP does not depend on state of the card infrastructure. If the buyer does not have the card with him or it is blocked - he can still pay via QR code from banking application. This expands audience reach and reduces number of unfinished purchases.