Do customers need an app to pay by QR code?

No. Scanning the code with a standard phone camera opens a secure payment page in the browser. They pay with a card or digital wallet, no app required.

Are QR code payments secure?

Yes. The code simply opens a secure, encrypted payment page. The customer enters or confirms payment on their own device, and no card data is exposed to staff.

Online Payments

QR Code Payments: The Fastest Way to Get Paid In Person and Online

Print a code, get paid. QR payments bridge in-person and online with nothing but a phone camera.

Armour Payments Editorial Team•July 1, 2026•1 min read•Reviewed by Armour Payments Product Team

The short answer

QR code payments let a customer scan a code with their phone to open a secure payment page and pay instantly. They work on tables, counters, invoices, flyers and screens, ideal for fast, contactless, low-hardware checkout in person and online.

How QR payments work

You generate a QR code tied to a payment link or your checkout. The customer scans it with their phone camera, a secure payment page opens, and they pay with a card or wallet. No app download and no dedicated hardware required.

Where they shine

QR codes are perfect for pay-at-table dining, market stalls, events, donation drives, and even printed invoices. They turn any surface, a receipt, a table tent, a poster, into a checkout, which is powerful for low-staff or high-traffic settings.

Why customers love them

Scanning is fast, contactless and familiar. Customers control the transaction on their own phone, which feels secure, and they can pay with their preferred wallet. For you, it's one of the lowest-cost ways to accept a payment.