QR code based payments: directly from customer to merchant
The instant payment (AFR) infrastructure makes it possible for payments to be executed between Hungarian accounts within 5 seconds, 0-24, every day of the week. It comes handy to use it for day-to-day payment processes.
The pay@WEB infrastructure allows the merchants to generate QR codes, and get feedback on the fulfillment of payment - there's no need for additional infrastructure.
Instant payment through pay@WEB?
What's happening exactly?
The pay@WEB infrastructure allows the merchants to get the acknowledgment of the fulfillment of payment - there's no need for additional infrastructure.
The customer sets up the basket in the webshop
Merchant sends the requested amount to the bank and forwards the browser to the received link
pay@WEB presents the QR code
Similarly to the card payments, the account number, merchant and amount is shown
Customer scans and initiates instant payment
Using his/her own bank's mobile bank to scan and start the transaction.
Banks handle the instant payment
Money is transferred from customer's account to the merchant's account immediately
pay@WEB UI notifies the customer
The page is redirected to the merchant's webshop
Merchant uses pay@WEB interface to check status
Ascertaining the fulfillment of the transaction, and continues it's processes
API for generating MNB standard QR codes
If you need an API endpoint to generate an MNB standard payment QR code from minimal data, look no further!
Your platform calls the pay@WEB API
API key, amount and a unique identifier is neccessary. You can play with the colors.
pay@WEB generates the QR code
Data URL formatted, Base24 coded PNG picture is returned in the rest call.
Your platform can use the image
Use the image as you like it. An advice: cache it on your side.