How to create a QR code to accept touch-free payments.

Sep 22 2021 | Chase Jones, PayPal Editorial Staff

Whether you run a business with a storefront or provide services to clients, how do you get paid if they can’t hand you their payment? One answer could be QR codes. When used correctly (and creatively), QR codes can give you a fast, touch-free way to accept payments in person. No physical money changing hands, no receipts to sign. 
If you have a PayPal Business account, it’s easy to create, print, and share a QR code that’s unique to your business. You can use the same QR code for all of your customers’ in-store or on-the-go purchases; there’s no need to create a separate code for each transaction. Your customers will need an account with PayPal to pay you.  
 
Don’t have a PayPal Business account? Sign up here.
 
What is a QR code? 
First, it’s helpful to understand what a QR code is and how it works. In short, a QR code – also known as a Quick-Response Code – is a two-dimensional barcode that you can scan with the camera on your smartphone or with QR-code reader apps. Once scanned, the QR code redirects you to a website or other destination. 
 
Using a QR code to accept payments works in the same way. You can create a PayPal-generated QR code for your business. When your customer is ready to pay, they simply scan the QR code, which will redirect them to PayPal. Once logged in to their account, your customer enters the amount to pay, selects a funding source – like a bank account, credit or debit card – and completes the payment.  
 
How to use QR codes.  
We’ve put together a few suggestions for how you can use QR codes to sell your products and services. Whatever the use case, remember to ask your customer to show you their purchase confirmation. We've built interactive elements into the confirmation screen, so you can verify that the transaction is complete and legitimate.   
 
Post a QR code in your store window. 
If you have a physical storefront, you can print a QR code that’s specific to your business and put it in your store’s window.   
 
Post a QR code at the point of sale in your store.  
If your physical storefront is still open, you can print your unique QR code and post it at your checkout counter. When your customers are ready to pay, they can simply scan the QR code with their smartphone and pay you without having to interact with your point-of-sale terminal.  
 
Attach a QR code to deliveries or packages.  
For businesses providing curbside service, attach your QR code to the packages your customers pick up. If your business offers a delivery service, you can attach your QR code to your deliveries.  

How to create a PayPal-generated QR code for your business.  
You can create a PayPal QR code from the PayPal Business app (available in the Apple App Store and Google Play) or from the web.  
 


Create a QR code from the PayPal Business app
1. Download the latest version of the PayPal Business app on your smartphone or tablet. Open the app.  
2. From the Home screen, click the More icon in the menu at the bottom of the screen. 
3. In the expanded More menu, click QR Codes to generate your unique code.  
4. Click Okay on interstitial pop-up. 
5. Click the download symbol to save the QR Code as a photo on your device. You can also edit your QR code by clicking the edit symbol. If you would like to set up a Tip Jar QR code, swipe left.
6. The PayPal app will ask to access your photos. Select Allow Access to All Photos
7. Print out your QR code and display it in your storefront, at your checkout, or attach it to deliveries and order pick-ups.  

Create a QR code from the web 
1. Navigate to https://www.paypal.com/au/webapps/mpp/qr-code-download.
2. Click the Get Your QR Code button at the top of the page.  
3. Log into your PayPal account.  
4. Once the page reloads, click the Download Your QR Code button. Your QR code will download to your computer as an image file.  
5. Save your QR code, print it out, and display it in your storefront, at your checkout, or attach it to deliveries and order pick-ups.  
 
Ask your customer to show you their confirmation screen, so you can confirm they sent you the correct amount and that the transaction is legitimate. You’ll see the transaction in your PayPal Business account or in the PayPal Business app listed under Activity.
 
That’s it! You can now share your unique QR code with your customers.
 
Stay well. Keep innovating.
 
The contents of this site are provided for informational purposes only. The information in this article does not constitute legal, financial, IT, business or investment advice of any kind and is not a substitute for any professional advice. You should always obtain independent, professional accounting, financial, IT and legal advice before making any business decision.

Frequently asked questions.

Campaign Fundraising empowers nonprofits, charities and small business owners to create awareness of a specific cause or event, and raise money from their website within a defined time period.

A campaign is:

  • Fully customizable: You can add your logo, share photos, and a video, and tell a story to help people understand the fundraising goal. You can also set up campaign details, such as the goal amount, end date, and the option of recurring donations.
  • Versatile: You can spread the word in various ways, including adding a button or embeddable campaign card to your website, posting the link on social media, or printing out a QR code for a physical event. You can also give your supporters flexible ways to donate, including paying with a debit or credit card.
  • Engaging: The campaign features a donor wall with comments from supporters, badges highlighting donor milestones, and a donation tracker showing progress towards the campaign goal.
  • Easy to manage: You can track donations to the campaign on the donations page in your PayPal account.

To learn more about how to create a campaign and start fundraising, visit our step-by-step guide.

If you’re currentlyusing Symantec VIP for 2-step login verification and wish to set up a new FIDO2 – compatible security key, please follow the instructions below to firstdisable Symantec VIP, then enable your new security key.

You can add an extra layer of security to yourPayPal account by enabling 2-step verification for login. In addition to yourpassword, once this feature is activated, you’ll enter a unique, random 6-digitaccess code to access your account. Or, if you choose to use a security key,we’ll authenticate your login using the security device that you’ve register toyour account.

2-step verification must be configured on a desktopcomputer. Set up is not available through the PayPal mobile apps.

Here's how enable 2-step verification on youraccount:

  1. Go to your Settings on your PayPal account. 
  2. Click "Security" or "Login and Security" menu. 
  3. Select the link for “2-step verification". 
  4. Choose which 2-stepverification method you wish to use
    • SMS message – Sends a unique login code to your registered mobile device.
    • Authenticator app – Registers a third-party app, like Google or Microsoftauthenticators, that generate a random code that you use to login.
    • Security key – Registers a third-party FIDO 2- compatible security device likeYubiKey, that you use to login.
  5. Follow the on-screenprompts for the option you wish to use. Steps vary for each:
    • SMS message – Add the mobile number whereyou wish to receive your login code, then enter the security code that was sentto that number.
    • Authenticator app – scan the on-screen PayPal QRcode with your authenticator app or enter the secret key from the authenticatorapp.
    • Security key – Designate a backupverification option in case your security device is lost or doesn’t work, then insertthe security device into your computer to active it. Finally, you’ll beprompted to name the device within your account profile.
  6. Set up a backupverification method in case you can’t access your primary mobile device or authenticatorapp. Note, if you choose to use a security key and are the primaryauthorized user on the account, you will be required to create a back-up verificationmethod in step 5.
  7. Click Doneto activate 2-step verification. 

Here’s how to disable 2-step verification at any time:

  1. Go to your ProfileSettings.
  2. Click Security”or “Login and Security” menu
  3. Select the linkfor 2-step verification
  4. Click Turn Off nextto 2-step verification
  5. Click Doneto disable 2-step verification
Installing your API Credentials

Once you have requested your API Signature or API Certificate credentials, you will need to install them in your application or shopping cart, or insert them into your custom code.

API Signature

Apply your API Signature to your integration.
  • For preconfigured shopping carts: Copy and paste the API Username, API Password, and Signature into your shopping cart’s configuration or administration screen.
  • For custom shopping carts: Store the API credentials in a secure location with limited access.
API Certificate

Install your API Certificate in your server.
  • If you are using PayPal SDKs, you might need to encrypt the certificate before installing it. See detailed instructions.
  • If you are using third-party shopping cart software, you may need to get in touch with your cart provider for advice on how to install the new certificate.
  • If you have a custom integration, you will need to place the new certificate on your server. You may need to confirm with your developer or system administrator where the certificate needs to be placed.
Testing your API credentials

Most of your testing should be done in PayPal’s
Sandbox environment, although final testing can be performed in PayPal’s Live environment using your Live credentials.

More information on creating a Sandbox test account.

If you've forgotten your PayPal password but you remember your email address you can recover account access, as explained below. You can also recover access if you've forgotten which email address to use for logging in.

To recover access to your account:

  1. Go to our Log In page.
  2. Click Forgotten password? 
  3. Enter the email address you use for PayPal and click Next.
  4. Select how you want to reset your password and click Next. (You'll be shown some options such as Have us call you, Receive a textReceive an emailAnswer your security questions or Confirm through Facebook Messenger.)
  • If you choose to Have us call you, you'll see a code on the next screen. Use it when you get our call. We'll then ask you to create a new password (we’ll ask you to enter it twice).
  • If you choose to Receive a text, enter the 6-digit security code we send to your mobile and click Next. We'll then ask you to create a new password (we’ll ask you to enter it twice).
  • If you choose to Receive an email, enter the 6-digit security code we email to you and click Continue. We may ask you to confirm your card number. We'll then ask you to create a new password (we’ll ask you to enter it twice).
  • If you choose to Answer security questions, enter your answers and click Continue. We may ask you to confirm your card number. We'll then ask you to create a new password (we’ll ask you to enter it twice).
  • You may also be given the option to Confirm through Facebook Messenger. If you choose to use this method, click Send Code, enter the 6-digit security code we send to your Messenger and click Confirm.  We'll then ask you to create a new password (we’ll ask you to enter it twice).
Tip: If you have one or more Google email accounts registered to your PayPal account, you may be required to go through an authorisation challenge upon logging in to your PayPal account. If you are already logged in to a Google account before the challenge step up, simply click Continue to complete the validation.

You remember your password but forget which email address to use.
The contents of this site are provided for informational purposes only. The information in this article does not constitute legal, financial, IT, business or investment advice of any kind and is not a substitute for any professional advice. You should always obtain independent, professional accounting, financial, IT and legal advice before making any business decision.