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

Mar 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.

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 Having trouble logging in? 
  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.

Personal data is any information that, by itself or in combination with other information, may be used to identify an individual. Examples of personal information include name, home address, email address, phone number, or financial information. 

As explained in our Privacy Statement, we use your personal data to process payments, prevent fraud and abuse, resolve disputes, create a personalized experience, and inform you about offers, products and services. We may also use your personal data with your consent. 

We understand how important your data is to you. We’re committed to keeping it secure and in line with applicable laws and regulations, as well as industry-leading privacy standards. 

If you’d like more information about PayPal’s data practices including what data we collect and how we use it, visit our Privacy Statement

Please read the retailer’s terms and conditions to make sure the digital gift card you’re buying can be redeemed where you plan to use it. PayPal does not control how and where digital gift cards can be redeemed.

In-store codes:
If your code can be used in-store, tell the cashier you’re paying with a gift card. The cashier will either scan or key in the code to redeem it. We recommend printing the code if you can, as barcode scanners in some stores can’t scan from a mobile screen.

Not all self-checkout lanes accept gift card codes so we recommend going to an attended counter.

Online codes:
If your code can be used online, look for a gift card or voucher code option at checkout on the seller’s website or app.

Gift cards can’t be stored in the PayPal Wallet and automatically redeemed right now. Make sure you enter the code when making a purchase to ensure your gift card is applied.


I’m having trouble redeeming a digital gift card bought from PayPal Digital Gifts
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.