> ## Documentation Index > Fetch the complete documentation index at: https://docs.paymentoptions.com/llms.txt > Use this file to discover all available pages before exploring further. # QR Payment > QR Payment allows customers to complete transactions by scanning a generated QR code using a supported payment application. This section uses PayNow as an example of QR-based payment integration. ### Key Points > [!NOTE] > > Merchant Configuration > > * The **Merchant ID** must be configured to support the selected QR payment method. > * For the **PayNow** example, the `payment_method` type must be set to `paynow`. > * The PayNow request example uses **SGD** as the processing currency. > > QR Code Generation > > * The Direct Payment API generates QR code data for the customer to complete the payment. > * For PayNow, the response includes a Base64-encoded QR code image in `url.qrCode` and the corresponding QR payment payload in `url.data`. > * The merchant can display the QR code for the customer to scan using a supported banking application. > * QR code generation does not indicate that payment has been completed. ## OpenAPI ````yaml api-reference/en/open-api-config/wallet/qr-payment.json POST /api/v1/server-to-server-interface/payment openapi: 3.0.1 info: title: Payment Options API description: API reference for QR payments using PayNow as the integration example. version: 1.0.0 servers: - url: https://api-dev.paymentoptions.com security: - apiKeyAuth: [] xApiKeyAuth: [] paths: /api/v1/server-to-server-interface/payment: post: tags: - QR Payment summary: Create QR Payment (PayNow) description: >- Creates a QR payment using PayNow as an example. The response contains a Base64 PNG QR image and QR payment payload; generation is not confirmation of successful payment. operationId: createQrPayment requestBody: description: >- PayNow Direct Payment request. Billing address is required; shipping address is optional. required: true content: application/json: schema: type: object additionalProperties: false required: - amount - currency - payment_method - merchant_txn_ref - customer_ip - merchant_id - return_url - billing_address properties: amount: type: string description: Transaction amount, represented as a string. example: '200' currency: type: string description: Processing currency (SGD in this PayNow example). maxLength: 3 example: SGD payment_method: type: object additionalProperties: false description: A JSON object containing payment method details. properties: type: type: string description: >- Payment method identifier. Set to paynow for this example. maxLength: 128 example: paynow enum: - paynow required: - type merchant_txn_ref: type: string description: The merchant transaction reference ID. maxLength: 45 example: TEST00989012878787878787878787 customer_ip: type: string description: The IP address of the customer initiating the transaction. example: 124.219.163.171 merchant_id: type: string description: The unique identifier of the merchant (DASMID). maxLength: 128 example: SG00003085 return_url: type: object additionalProperties: false description: Callback and return URLs for the transaction. properties: webhook_url: type: string description: The webhook URL for asynchronous notifications. maxLength: 255 example: https://merchant.example.com/webhook success_url: type: string description: >- The URL to redirect the user to after a successful transaction. maxLength: 255 example: https://merchant.example.com/success decline_url: type: string description: >- The URL to redirect the user to after a failed transaction. maxLength: 255 example: https://merchant.example.com/decline billing_address: type: object additionalProperties: false description: Required billing address for the customer. properties: country: type: string description: The cardholder’s billing country code. maxLength: 2 example: JP email: type: string description: The cardholder’s billing email address. maxLength: 45 example: customer@example.com phone_number: type: string description: The cardholder’s billing phone number. maxLength: 15 example: '767676767' address1: type: string description: The cardholder’s billing address line. maxLength: 199 example: Chiyoda1-1 city: type: string description: The cardholder’s billing city. maxLength: 65 example: Minatoku state: type: string description: The cardholder’s billing state. maxLength: 65 example: Tokyoto postal_code: type: string description: The cardholder’s billing postal code. maxLength: 45 example: '1000001' shipping_address: type: object additionalProperties: false description: Optional shipping address. May be omitted from the request. properties: country: type: string description: The cardholder’s shipping country code. maxLength: 2 example: JP email: type: string description: The cardholder’s shipping email address. maxLength: 45 example: customer@example.com phone_number: type: string description: The cardholder’s shipping phone number. maxLength: 15 example: '08012341234' address1: type: string description: The cardholder’s shipping address line. maxLength: 199 example: Chiyoda1-1 city: type: string description: The cardholder’s shipping city. maxLength: 65 example: Minatoku state: type: string description: The cardholder’s shipping state. maxLength: 65 example: Tokyoto postal_code: type: string description: The cardholder’s shipping postal code. maxLength: 45 example: '1000001' time_zone: type: string description: The time zone for the transaction. example: Asia/Tokyo example: amount: '200' currency: SGD payment_method: type: paynow merchant_txn_ref: TEST00989012878787878787878787 customer_ip: 124.219.163.171 merchant_id: SG00003085 return_url: webhook_url: https://merchant.example.com/webhook success_url: https://merchant.example.com/success decline_url: https://merchant.example.com/decline billing_address: country: JP email: customer@example.com address1: Chiyoda1-1 phone_number: '767676767' city: Minatoku state: Tokyoto postal_code: '1000001' shipping_address: country: JP email: customer@example.com address1: Chiyoda1-1 phone_number: '08012341234' city: Minatoku state: Tokyoto postal_code: '1000001' time_zone: Asia/Tokyo responses: '200': description: >- QR payment created; QR data returned. This does not indicate payment completion. content: application/json: schema: type: object properties: id: type: string description: The transaction reference ID. example: cd3c8f8c-75ec-4d63-a90d-10046616c5da url: type: object description: Generated QR payment data (not a checkout URL). properties: qrCode: type: string description: Base64-encoded PNG QR image as a data URI. example: data:image/png;base64, data: type: string description: PayNow QR payment payload. example: >- 00020101021226490009SG.PAYNOW010120210201213048R0301004082026123152040000530370254032005802SG5919BeanWorks Pte. Ltd.6009SINGAPORE621001063535026304C619 amount: type: integer description: The transaction amount. example: 200 currency: type: string description: The processing currency. example: SGD merchant_txn_ref: type: string description: The merchant transaction reference ID. example: TEST00989012878787878787878787 merchant_id: type: string description: The merchant ID for the transaction. example: SG00003085 merchant_email: type: string nullable: true description: Merchant email when available. example: null return_url: type: object description: Return URL details for payment callbacks. properties: webhook_url: type: string description: The webhook URL for notifications. example: https://merchant.example.com/webhook success_url: type: string description: The success URL. example: https://merchant.example.com/success decline_url: type: string description: The decline URL. example: https://merchant.example.com/decline billing_address: type: object description: The billing address details. properties: city: type: string description: The billing city. example: Minatoku email: type: string description: The billing email address. example: customer@example.com state: type: string description: The billing state. example: Tokyoto country: type: string description: The billing country. example: JP address1: type: string description: The billing address line. example: Chiyoda1-1 postal_code: type: string description: The billing postal code. example: '1000001' phone_number: type: string description: The billing phone number. example: '767676767' shipping_address: type: object description: >- Shipping address details when supplied; may be an empty object when omitted. properties: city: type: string description: The shipping city. example: Minatoku email: type: string description: The shipping email address. example: customer@example.com state: type: string description: The shipping state. example: Tokyoto country: type: string description: The shipping country. example: JP address1: type: string description: The shipping address line. example: Chiyoda1-1 postal_code: type: string description: The shipping postal code. example: '1000001' phone_number: type: string description: The shipping phone number. example: '08012341234' redirecturl: type: object description: >- QR data also provided in redirecturl (object, not a conventional redirect URL). properties: qrCode: type: string description: Base64-encoded PNG QR image as a data URI. example: data:image/png;base64, data: type: string description: PayNow QR payment payload. example: >- 00020101021226490009SG.PAYNOW010120210201213048R0301004082026123152040000530370254032005802SG5919BeanWorks Pte. Ltd.6009SINGAPORE621001063535026304C619 example: id: cd3c8f8c-75ec-4d63-a90d-10046616c5da url: qrCode: data:image/png;base64, data: >- 00020101021226490009SG.PAYNOW010120210201213048R0301004082026123152040000530370254032005802SG5919BeanWorks Pte. Ltd.6009SINGAPORE621001063535026304C619 amount: 200 currency: SGD merchant_txn_ref: TEST00989012878787878787878787 merchant_id: SG00003085 merchant_email: null return_url: webhook_url: https://merchant.example.com/webhook success_url: https://merchant.example.com/success decline_url: https://merchant.example.com/decline billing_address: city: Minatoku email: customer@example.com state: Tokyoto country: JP address1: Chiyoda1-1 postal_code: '1000001' phone_number: '767676767' shipping_address: {} redirecturl: qrCode: data:image/png;base64, data: >- 00020101021226490009SG.PAYNOW010120210201213048R0301004082026123152040000530370254032005802SG5919BeanWorks Pte. Ltd.6009SINGAPORE621001063535026304C619 components: securitySchemes: apiKeyAuth: type: apiKey name: Authorization in: header description: 'API Key for Authorization. Format: ''Basic YOUR_API_KEY_HERE''' xApiKeyAuth: type: apiKey name: x-api-key in: header description: API Key specific to x-api-key. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.