Calculate QR code payment processing costs for your business and compare against POS terminals, cash handling, and mobile money. QR payments are growing rapidly across Africa.
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QR payments in Africa use standards like USSD QR (Nigeria), M-Pesa QR (Kenya), GhQR (Ghana), and SnapScan/Zapper (SA). Many QR systems charge 0-0.5% for merchant — significantly less than traditional POS (1.5-2.5%). QR codes require no terminal hardware, reducing setup costs.
Frequently Asked Questions
What QR payment systems exist in Africa?
Major QR payment systems: M-Pesa QR (Kenya, Tanzania), GhQR - Ghana Interbank QR (Ghana), NIBSS QR (Nigeria), SnapScan/Zapper (South Africa), mVisa/Masterpass QR (Pan-Africa), Pesapal QR (East Africa), Orange QR Money (West Africa). Most use EMVCo QR standard for interoperability. Merchant QR sticker costs nothing — payments via scanning customer's phone.
Are QR payments cheaper than POS for merchants?
Yes, generally. QR payments: 0-0.5% merchant fee, no terminal hardware cost, instant settlement. POS: 1.5-2.5% MDR + terminal rental (NGN 2,500-5,000/month or ZAR 150-300/month) + potential connectivity costs. For a small merchant doing 500K/month, QR saves 10,000-12,500/month in Nigeria vs POS. The trade-off: not all customers have smartphones or data.
How do I accept QR payments?
Register as a merchant with your mobile money provider or a payment aggregator. You'll get a unique QR code sticker to display. Customers scan the code using their banking app or mobile money app and enter amount. You receive instant notification and payment. No special hardware needed — just print the QR code. Some providers: Paystack QR, Flutterwave QR, M-Pesa Till, GhQR merchants, NIBSS PayAttitude.