How to Create a QR Code for Payment: Step-by-Step Guide for Businesses
A payment QR code lets your customers scan and pay from their phone — no card typing, no POS terminal required. You create it through your payment provider's dashboard: enter your merchant details, generate the code, and display it on your website, invoice, or in-store stand.
This guide covers how QR code payments work, the difference between static and dynamic codes, a universal 6-step setup process, and how to create a payment QR code with Paykassma.
To create a QR code for payment, sign up with a payment service provider (PSP), open the QR generator in your merchant dashboard, enter your merchant ID and payment details, generate the code, test it with your phone, then deploy it on your checkout page, invoice, or printed display. Use dynamic QR codes for e-commerce and high-volume sales; static codes work for pop-ups and small cafés.
What Is a QR Code Payment?
A payment QR code is a scannable square barcode that links to a secure checkout page or payment app. When a customer scans it with their smartphone camera, the code passes merchant and transaction data - such as your business ID, amount, and currency - so the customer can confirm and pay in seconds.
Unlike product QR codes used for marketing or inventory, payment QR codes are generated through a payment service provider (PSP) and connected to your merchant account. They support cards, mobile wallets, UPI, and other local methods depending on your gateway.
Go Beyond Static QR Codes
How Does QR Code Payment Work?
QR code payment is now a widely adopted mobile payment method that enables users to pay with their smartphones. Instead of swiping or inserting the card into the terminal, customers can use their smartphones for quick and easy payments. With the widespread adoption of QR codes across various industries, it’s likely we will see more businesses using this form of mobile payment processing in the near future.
As a business owner, you can add QR code payment options to your website or app in minutes by using our platform and embedding the software into your site for customers to use on their smartphones. This is extremely simple and will only take five easy steps:
Sign up for an account
Create your merchant account to access our dashboard and start the onboarding process.
Choose one of our payment gateways
Select the gateway solution that best fits your business model and target region.
Add your QR code to the appropriate page
Place your unique QR code on your site or app to enable quick scan-and-pay options for your customers.
Embed our software into that page
Integrate our secure API or SDK into your payment page to handle transaction processing smoothly.
Get paid
Start receiving payments directly into your account with real-time tracking and settlements.
How to Make a QR Code for Payment?
Generating QR codes is a simple task with the help of payment processing software. First, sign up for an account and choose one of our many supported gateways. Next, add your QR Code to the page or app where customers can use it on their smartphone devices to complete payments. Finally, embed the software into that web page by following a few steps mentioned in the help center.
When generating a QR code for payments, it's important to ensure that the code format matches your gateway's standards — such as static vs. dynamic QR. Dynamic QR codes allow you to embed transaction details securely and are recommended for most modern use cases.
Static vs Dynamic QR Codes for Payments
Before you generate a code, choose the format that fits your business model. Most payment providers support both options.
| Feature | Static QR Code | Dynamic QR Code |
| Data | Fixed - same code every time | Unique per transaction or order |
| Amount | Customer enters manually after scan | Pre-filled automatically |
| Best for | Pop-up shops, market stalls, small cafés | E-commerce, restaurants, high-volume retail |
| Tracking | No scan analytics | Scan count, conversion, location data |
| Security | Lower - reusable code can be tampered with | Higher - one-time or session-based codes |
| Updates | Must reprint to change details | Update via dashboard without reprinting |
For most online businesses and subscription services, dynamic QR codes are the better choice. Static codes work well when you need one permanent display code at a fixed checkout counter.
How Can Customers Make Payments Using a QR Code?
You can use QR codes to accept payments on your site. To do so, you will need a payment processor account and an online store that supports accepting card or cryptocurrency payments via your chosen gateway/processor – the process is different for every gateway/processor, so it’s best if you check with them what needs to be done first. You can also explore how to accept credit card payments online as an alternative or complementary option.
Once you have your account and a payment gateway, create a QR code for each of your products. It’s recommended to use specialized QR code generators that support payment-specific formats — such as EMVCo or dynamic QR — and can route transactions through a UPI gateway when needed. There is no limit on how many codes you can make with them, but you should choose a product that is available for sale on your online store.
Then, all you have to do is upload the image file of the QR code into an ad or post in order to display it and let people scan it quickly using their mobile devices. The payment will be made when they are redirected back to your site after scanning the QR code.
Advantages of QR Code Payments
Following are the advantages of QR code payments:
Convenience
As people don’t have to carry cash everywhere, they can shop anytime and anywhere.
Security
Transactions done through QR code payments are more secure than traditional transactions. Your information is encrypted and shared only with the merchant. If you're using UPI, be sure to check the current UPI transaction limits to ensure smooth processing.
Speed
QR code payments offer fast checkout by eliminating manual data entry. Especially with dynamic QR codes, the payment amount and merchant info are pre-filled automatically. You just need to scan, enter a PIN, and that’s all.
Better For Environment
QR code payments are also good for the environment because you don’t need to use paper and plastic while making transactions. You can make cashless transactions everywhere without worrying about losing money.
What to Know Before You Accept Payments via QR Code
Data Security
Never embed sensitive data like card numbers in QR codes. Instead, use dynamic QR codes linked to secure payment sessions managed by your payment provider. You can also use an app to make your smartphone act as a safe for storing your payment details.
Code Validity
Make sure that your QR code is valid and doesn’t contain any errors. It’s a good idea to have more than one code and to update them regularly, as they can become corrupt or fail to be read properly by apps.
Mobile Compatibility
Ensure that the QR code is mobile-friendly and easily readable on all smartphones and tablets. It must remain legible when the screen orientation changes from landscape to portrait or vice versa.
Avoid Interference
Make sure that there are no other QR codes in your website’s code before you add one of your own; this will ensure that it remains readable and not corrupted by another code on the same page.
Conclusion
If you’re a business owner who wants to accept online payments, a QR code is the best option for you. It will help your customers make payments with ease and convenience. QR codes are the easiest way to deal with online transactions. With just a few clicks, you can complete your transaction and get paid.
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