How Scan & Pay Works
The QR Pass is the QR code a merchant shows at checkout. Scanning it opens the Scan & Pay payment page, where the shopper confirms the payment.
Merchants show it on the Smart POS terminal, in the Mobile POS app (Android phone or tablet), at online checkout through the WooCommerce plugin, or in their own software through the API and the Node.js and PHP SDKs. They manage their business, devices and payments in the Business Portal.
Shoppers pay with 
through the Scan & Pay app (on the web and on their phone): they link a bank account once through a PayTo agreement approved in their own banking app, then confirm each payment in the app. PayTo and PayID run on Australia's New Payments Platform (NPP).
QR Pass at checkout
A QR Pass appears at checkout:
Smart POS terminal
The QR Pass appears on the terminal screen at checkout. No additional hardware is needed.
Online checkout
A QR Pass appears at online checkout through the WooCommerce plugin, the API or the SDKs.
Your own software
Build QR Pass into your own software with the Node.js or PHP SDK.
Two-sided confirmation
The shopper and merchant can view the payment status.
Shopper
Confirms the payment with and sees the confirmation screen.
Merchant
The terminal or Business Portal updates with the payment status.
Digital receipt
Receipts are available after payment. With a PayTo agreement, later payments are confirmed in the app.
Next steps: the Scan & Pay app, PayTo agreements, and the FAQs.