How do payments via QR codes work?

It’s simple:

  1. Your customer uses their phone to scan the QR code on display in your store.

  2. For a first time transaction, they download the consumer app and set up their credit card. It just takes a minute.

  3. Your customer scans the QR code again with the app, enters the amount, and pays.

Customers will see a confirmation screen on their device, which you can use to validate the payment. You can also open your transaction history to view details about the payment.

For any future payments, it’s even faster: Customers simply scan with their phone and pay securely. Completely contactless.

How can I set up a QR code for my business?

In just a few steps you will be up and running:

  1. On the SumUp App, tap "QR Codes" on the Home screen.

  2. Click on “Create QR code”.

  3. Give your code a name and leave “Set price” unchecked.

  4. Click “Save”.

  5. Click on the QR code you just created and choose “QR code for shop display”.

  6. You see a preview of your display as a PDF. Click on the share button, to either directly print the display on a printer connected to your phone or send the display to your email address to print it from a desktop computer.

You can then either present the printout in a display stand or attach it to your point of sale. You can also send the QR code to your customers via email, SMS, or other messaging services, such as WhatsApp.

Can I include a QR code in a document or design of my own?


  1. In the list of your created QR codes click on the QR code you would like to use.

  2. In the action sheet choose “QR Code”.

  3. You can now choose any option your phone offers to send a file to the device on which you would like to create your design, e.g. via email.

What are the fees?

There's no transaction fee for payments by QR code. For more info, check out our pricing and fees guide here.

In general, you can use the QR Codes multiple times. You have to differentiate between QR Codes with fixed amounts and dynamic QR Codes. QR codes with a fixed amount have a specific amount stored. When the customer scans this QR code they are asked to pay the fixed amount.

With dynamic QR codes, your customer enters the amount themselves. So if you accept many different payments, it is recommended to set up a dynamic QR code, because your customers can pay all amounts via this QR code.

If you want to send a payment receipt to your customers, open the transaction history on your SumUp app. Now select the respective transaction and click on the extended menu. From there, you can send the receipt to your customer by e-mail or SMS.