Best QR Code Payment Apps: A Scan-To-Pay Guide For Small Businesses

Get Started With Square POS

Pricing

$0/month

Contract

None

Equipment Cost

$49-$799

Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.

Pros

No monthly fee
Multiple ways to accept QR code payments
Works for mobile, online, & brick-and-mortar businesses in any industry
Customer doesn’t need to have an app installed

Cons

Possible issues with account stability
Doesn’t integrate with third-party QR code apps like Venmo

Why We Chose Square For Best QR Code Payments

Square is an all-in-one point of sale system you can use to take payments at your brick-and-mortar business, on the go, or online, using any combination of Square POS hardware options and add-ons. Square can be used for just about any industry and any size business, though it's especially popular with quick-serve restaurants, small retailers, mobile businesses, and service-based businesses (such as hairstylists).

There are multiple ways to accept QR code payments at your business using Square. When completing any transaction on the Square POS app, the customer can scan a QR code on your POS device and pay on their own phone -- and also add a tip, if they like. You can also offer online QR codes or print out QR codes on receipts or for a larger display.

Square POS Scan To Pay Features

Free QR code payment app
Comes with a free online store
Customers can pay with all major credit and debit cards, Apple Pay, Google Pay, Square Cash, & AfterPay
Accept printed, digital, mobile, brick-and-mortar, & online QR code payments

Square Pricing

Square’s regular monthly price is $0/month, though the POS company also offers paid plans and paid add-ons. You do not need to be on a paid plan to utilize Square’s QR code payment features.

Square charges 2.9% + $0.30 on QR code transactions, which is the same price Square charges for all online payments.

Contract Requirements/Warnings

Square contracts are pay-as-you-go/month-to-month, which means you can stop using Square at any time without incurring a penalty. However, Square does not offer users a dedicated merchant account, which could mean less account stability compared to using a POS system with a traditional merchant account.

2. Helcim: Best For Interchange-Plus Pricing

Helcim

Pros

No monthly fee
Transparent interchange-plus pricing
No contract
Easy online checkout

Cons

Not suitable for high-risk businesses
Basic POS features

Why We Chose Helcim For Best QR Code Payments

Helcim is a refreshingly transparent payment processor offering interchange-plus pricing with month-to-month billing and straightforward merchant services. Helcim is ideal for low-risk businesses, ideally with high processing volumes, since the higher your processing volumes are, the more you save. Helcim works well for online and in-person payments, with or without a full POS system.

Helcim QR payment codes can be displayed wherever you do business, online or off. The QR code links to a hosted online checkout page that makes it easy for customers to pay online without the need for a full eCommerce website. You can also use Helcim to add online and QR code payments to your current website.

Helcim QR Payment App Features

Free, no-contract account
Free hosted payment pages with QR code payments
No need for customers to download QR code payment app
Free virtual terminal
Affordable card readers & smart terminals

Helcim Pricing

Helcim has no monthly fee. Helcim charges interchange-plus transaction fees for in-person and online payments, including QR code payments. These fees vary depending on your monthly sales volume, but Helcim says its average keyed-in and online payment rate is 2.51% + $0.25.

Contract Requirements/Warnings

Helcim does not have any contracts, so you can stop using the service at any time. However, Helcim will not accept high-risk businesses.

Get Started With Helcim

3. PaymentCloud: Best For High-Risk Merchants

PaymentCloud

Get Started With PaymentCloud

Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote

Pros

Reputable high-risk processor
Online & printed QR codes
Stripe alternative for high-risk businesses
Samsung Pay & Apple Pay integrations

Cons

Pricing is not transparent

Why We Chose PaymentCloud For Best QR Code Payments

PaymentCloud differentiates itself from other payment processors not just because it caters to high-risk businesses, but because it is one of the few reputable processors in the high-risk processing space. This processor is so well-regarded that low-risk processors such as Stripe and Dharma Merchant Services commonly refer rejected applicants to PaymentCloud.

PaymentCloud allows high-risk businesses to accept a variety of electronic payment forms, including QR codes, via its acquisition of contactless mobile payment platform Paysley. You can send QR payment links to your customers via a text or email invoice, or they can scan a QR code from a printed receipt. The customer then completes the payment on their phone by entering their credit card info or approving the transaction with Apple Pay or Samsung Pay. PaymentCloud QR codes are ideal for remote businesses that sell online, over the phone, and via catalog sales, as well as in-person retail.

PaymentCloud QR Code Payment App Features

Payment processing for high-risk businesses such as MOTO, adult, crypto, CBD, vape, & others
No need for customers to download a QR code payment app
QR payment codes can be scanned from a screen, printed receipt, or invoice
POS hardware options include Clover, Poynt, & others
Customers can pay with Apple Pay or Samsung Pay accounts
Can be used in retail, mobile, or eCommerce settings

PaymentCloud Pricing

PaymentCloud does not list its monthly or transaction prices (including prices for QR code payment processing) on its website. This is common practice among high-risk processors, as rates are usually customized for each particular business based on business type, processing history, sales volume, credit history, and other factors.

Contract Requirements/Warnings

PaymentCloud does not list its contract information on its website. In general, lower-risk businesses may be eligible for month-to-month contracts, while higher-risk businesses will likely have to sign long-term contracts.

4. Toast: Best Android Restaurant POS

Toast POS

Get Started With Toast POS

Pricing

$0-$165 plus custom plan

Online Ordering

Yes

Equipment Cost

$0-$847

Pros

POS system designed specifically for restaurants
Built-in scan-to-pay system
Integrates with Apple Pay
Integrates with your marketing & loyalty

Cons

Card-not-present transaction fees charged for QR code payments
Long-term processing contract

Why We Chose Toast For Best QR Code Payments

Toast is an Android POS system designed expressly for restaurants. This tech-forward system is an excellent choice for any type of restaurant business that wants to modernize its ordering system. In addition to built-in QR code payment acceptance, Toast has many digital ordering and payment options, including tableside ordering devices for servers, online ordering with curbside pickup, delivery management, and mobile ordering with the Toast Takeout app. Toast also makes it easy for your patrons to both order and pay from their own phones with scan to pay.

Toast's QR code system works great for fast-casual setups with dine-in or takeout customers. To complete a QR code payment in Toast with scan to pay, your customer scans a printed QR code to browse your menu, order, and pay, all from their mobile device. iPhone users also have the option to pay with Apple Pay. If you have the Toast Loyalty add-on, customers will also be prompted to sign up for rewards when they use scan to pay.

Toast POS Scan To Pay Features

No need for customers to download a QR code payment app
Scan to pay add-on includes QR code menus, ordering, & payments
Collect guest data on each QR payment that you can use with your marketing & loyalty programs
Prompts every guest to sign up for your loyalty program at QR code payment checkout
Encourages higher customer spending with item descriptions, filters, & modifiers

Toast Pricing

Toast plans range from $0/month to $165/month (the free plan has higher credit card processing rates), and there are also custom pricing plans available. However, Toast’s QR code payment system, Toast Mobile Order & Pay™, is a paid add-on and Toast does not list the pricing on its website.

Scan to pay transactions are charged at Toast’s card-not-present rate: 3.5% + $0.15 for Visa, Mastercard, and Discover, and 3.89% + $0.15 for AMEX.

Contract Requirements/Warnings

Toast requires a 2+ year contract, and there may be an early termination fee if you end your contract early. Before signing up for Toast, make sure you are ready to make a commitment to this POS system.

5. Clover: Best All-In-One POS System

Clover POS

Get Started With Clover POS

Pricing

Starts at $0/month

Contract

Depends on merchant services provider

Equipment Cost

$49-$1,799 per device

Pros

Apple Pay QR code payments for restaurants
Venmo & PayPal QR code payments for any business
All-in-one POS system
Month-to-month pricing

Cons

Card-not-present transaction fees for QR code payments with Clover Dining
Customer must have Apple Pay, Venmo, or PayPal for QR code payment

Why We Chose Clover For Best QR Code Payments

Clover is a popular Android-based POS system that combines sleek hardware with payment processing in one all-in-one point of sale system. Clover has several hardware options -- including Clover Station, Clover Mini, and Clover Flex -- and can be used in many industries. Clover also has a few ways that customers can pay with QR codes.

Restaurants using Clover Dining can allow customers to scan a QR payment code on their receipts to pay on their iPhones using Apple Pay. Clover also integrates with PayPal and Venmo. To accept a PayPal or Venmo payment on a Clover POS device, the merchant simply displays a QR code on their screen, which customers can scan to pay using their PayPal or Venmo app.

Clover Scan To Pay Features

Multiple types of QR codes are accepted (Apple Pay, Venmo, & PayPal)
Apple Pay QR code printed on restaurant receipts
Digital scan-to-pay QR codes displayed on POS screen (for Venmo & PayPal payments)
Industry-specific POS plans
POS system available for purchase through multiple vendors & MSPs

Clover Pricing

Clover pricing depends on your plan and how many devices you use. Clover Dining plans for restaurants start at $44.95/month for one device, and there is a starter plan for retail and other industries that’s just $14.95/month for one device. Note that these prices are only for plans purchased directly from Clover.com.

As for transaction fees, Clover charges card-not-present rates for QR code Apple Pay transactions at 3.5% + $0.10. To accept PayPal and Venmo, you’ll just pay PayPal or Venmo’s fee to accept QR code payments, as Clover doesn’t add an additional fee.

Contract Requirements/Warnings

Clover plans purchased through Clover.com are pay-as-you-go with a month-to-month contract. However, other Clover vendors have different terms, which means a poorly rated Clover vendor/payment processor might stick you with a long-term service agreement.

6. Lightspeed Restaurant: Best iPad Restaurant POS

Lightspeed Restaurant POS

Get Started With Lightspeed Restaurant POS

Pricing

$69-$399/month

Online Ordering

Yes

Equipment Cost

Contact Lightspeed to receive a quote

Pros

Restaurant-specific POS
QR code payments for online orders & dine-in
Works for hotel restaurants/room service
Numerous integrations

Cons

Can get expensive with add-ons

Why We Chose Lightspeed Restaurant For Best QR Code Payments

Lightspeed Restaurant is an iPad restaurant POS with numerous features, options, and integrations. Built for speed and simplicity, Lightspeed is easy to use and train your restaurant employees on. Lightspeed is an all-in-one system that includes built-in payment processing like Toast (though Lightspeed gives you the option to use an outside processor if desired). Lightspeed's QR code payment system also works similarly to Toast's, letting customers pay using QR codes online or at your restaurant for dine-in or takeout.

To accept QR code orders and payments at your restaurant, you can print out QR codes as table signs or add them as an image to your website. In your back office, you can configure your QR codes to direct to either your pickup/delivery website or to your dine-in location, depending on whether you want to use QR codes for online or dine-in orders. Hotel restaurants offering room service can also use Lightspeed Restaurant with QR code ordering.

Lightspeed QR Code Payment Features

No need for customers to download a QR code payment app
Dine-in & online ordering options for QR code payments
No long-term commitment
Integrates with many restaurant industry apps

Lightspeed Restaurant Pricing

Lightspeed Restaurant pricing starts at $69/month. However, Order Anywhere, Lightspeed’s paid add-on that includes QR code ordering and payments, carries an additional monthly charge. The fee for Order Anywhere is not listed on Lightspeed’s website, so you’ll have to reach out to the company for a quote.

Contract Requirements/Warnings

Lightspeed Restaurant offers month-to-month pricing with no long-term contract.

7. Venmo: Best For Getting Started With QR Code Payments

Venmo

Pros

Accept Venmo payments in-person
QR code processing at only 1.9% + $0.10
Integrates with PayPal Zettle & Clover POS
Can be used to accept QR code payments without a POS

Cons

Customers must have Venmo app
Limited POS integration options

Why We Chose Venmo For Best QR Code Payments

Venmo makes mobile payments easy for small businesses and their customers. There are several ways businesses can accept payments using PayPal-owned Venmo, including QR code payments. Venmo QR payments come with no monthly fees and affordable processing fees. You can use Venmo QR codes with or without an integrated POS.

To accept a QR code payment at your business, your customer can scan your business's printed or digital QR code with their Venmo app. Alternatively, you can scan the customer's QR code in their Venmo app.

Although Venmo QR code payments may not integrate with your POS, Venmo can be a good way to get started with QR code payments. Venmo can also be useful for new businesses that don't have a full POS system yet, and you can get shoutouts in customers' Venmo feeds every time they shop via QR code (if their account is set to public).

Venmo Scan To Pay Features

Use with or without a POS
No monthly fee
Multiple ways to accept QR code payments
Free marketing in customers’ Venmo feeds
Uses an app most customers have already

Venmo QR Code Payment Pricing

Venmo does not charge businesses a monthly fee to use its services.

On QR code payments, Venmo charges businesses a flat fee of 1.9% + $0.10.

Contract Requirements/Warnings

Venmo has no contract for businesses; you can stop using Venmo at any time.

Get Started With Venmo

8. PayPal Zettle: Best For Accepting PayPal In-Person

Zettle

Pricing

No monthly fee

Contract

None

Equipment Cost

$29 for your first card reader

Pros

Accept in-person PayPal and Venmo payments
Reasonable fee for QR code payments
No monthly fee
Integrates with your PayPal Business Account

Cons

Basic mobile POS not ideal for larger businesses
Customer needs PayPal or Venmo to make QR payment

Why We Chose PayPal Zettle For Best QR Code Payments

PayPal's mobile POS app, PayPal Zettle, uses QR code technology to let businesses accept PayPal in-store, as well as Venmo payments. The app also features automatic syncing with your PayPal Business account, making Zettle an ideal mobile POS for PayPal sellers who also sell in person. It's also free to use, with no monthly software fee. You can use Zettle as a mobile POS for on-the-go credit card processing and QR code payments or as part of a countertop POS solution.

To have your customer pay with a QR code, simply enter the amount due on your PayPal Zettle app and select "QR code." Your customer then opens the Venmo or PayPal app on their phone, scans the code, and the payment is processed. Your customer can also scan your business's printed signage with your QR code. The customer will need to have their own PayPal and Venmo accounts (and apps) in order to scan for mobile payment.

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PayPal Zettle Scan To Pay Features

Mobile POS for smartphones & countertop POS for iPad
Can be used for restaurants or retail
Syncs with your PayPal business account
Printed & in-app PayPal QR codes
The first Bluetooth card reader is only $29 & includes a screen and PIN pad
Complimentary signage to let your customers know you accept PayPal in-person
Integrates with QuickBooks, SalesVu, BigCommerce, WooCommerce, & other POS systems

PayPal Zettle Pricing

PayPal Zettle is a free point of sale app with no monthly fee.

On QR code transactions, PayPal Zettle merchants are charged 2.29% + $0.09. This new pricing goes into effect as of October 23, 2023, and applies to both PayPal QR code transactions and QR code transactions made through a third-party integrator.

Contract Requirements/Warnings

PayPal Zettle is month-to-month with no contract.

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Get Started With Zettle

Why You Should Offer Customers A “Pay With QR Code” Option

QR codes have been around since 1994 but didn’t really take off as a way to accept payments until the COVID-19 pandemic. During COVID, QR codes became known as a “socially distanced” payment form that allowed merchants to accept mobile payments at a safe distance. But even as COVID-related restrictions fade, QR codes remain a popular payment option.

In fact, in the first quarter of 2022 — long after social distancing fell out of practice in most business settings — QR code scans were up 433% compared to 2021.

Advantages Of QR Code Payments

Here are the major advantages of accepting QR code payments at your business:

Reduces Staffing Needs: Since customers complete QR code transactions on their own phones, this reduces staffing needs in both retail and restaurant settings. Restaurants can especially stand to benefit from QR codes, since QR codes can be used both to order and pay for food, greatly reducing the burden on servers.
Saves Time: Particularly when combined with QR code ordering such as in a restaurant or quick-serve setting, QR code payments can save a lot of time. The customer doesn’t have to wait in line to order and pay, or wait at the table for the server to take their order or bring the check after the meal. Not only is the customer’s time saved, but the business benefits from a quicker turnover.
Can Be Used In A Variety Of Settings: Versatile QR codes can be printed or scanned from a screen, making them suitable for a variety of business settings and models. They can be used to make payments online or in person, at your POS, or from another area of your business such as the sales floor or a restaurant table. QR codes can also be used in unique settings such as stadium concessions or ghost kitchens.
May Increase Customer Spend: When customers can order and pay on their own, they are likely to spend more. According to Toast, the average check size is approximately 9% higher for customers using QR code payments versus standard dine-in.
Increases Engagement: QR code payment links can request customer information such as their name and email address, which can be used for CRM. QR code payment systems integrate easily with your email marketing and loyalty program, turning one-time customers into loyal fans.
Easy Price Updates: QR codes direct the scanner to an online payment page that the business owner can modify at their discretion. This makes it easy for restaurants and other businesses to update their pricing as needed, particularly during this time of rising costs.

Disadvantages Of QR Code Payments

There are also some downsides to making QR code payments standard at your business.

Usually Charged At Card-Not-Present Rate: Since QR code payments are technically online payments, they are charged at a higher rate than the standard in-person processing rate. QR code payments may be charged at the processor’s online rate, card-not-present rate, or its own separate rate.
Not As Easy For Older Customers: QR code payments may be easy for younger consumers who are used to using their smartphones for everything, but older customers may struggle to figure it out. And of course, not everyone even has a smartphone.
Not Universal: QR code payment systems use different apps and methods. Your customer may not have the right app installed to make a QR code payment. For example, your business may accept Venmo QR code payments, but your customer doesn’t have a Venmo account. Or your QR code payment system may connect with Apple Pay, but your customer uses an Android or doesn’t have Apple Pay configured on their iPhone.

Is “Scan To Pay” Better Than “Tap To Pay”?

QR code payments, or “scan to pay,” are different from “tap to pay,” or NFC payments. Tapped payments (NFC) use “Near Field Communication” in which a mobile device or contactless credit card must be held closely — within about an inch — to an NFC-enabled payment reader. These two payment forms do have certain things in common, though, as they are both technically contactless, and both can use mobile wallets such as Apple Pay.

Tap to pay is quicker and easier to use than scan to pay. A payment from an Apple Watch or contactless credit card is nearly instantaneous. But scan to pay has the advantage of allowing customers to make a payment on their own, from anywhere. There’s no POS hardware required, nor is any staff needed to take the payment.

It’s important to note that businesses can offer both QR codes and NFC payment acceptance. You don’t have to use one or the other, and most modern credit card terminals are already equipped with NFC acceptance.

8 Questions To Ask Before Adding A “Pay With QR Code” Option

The answers to these questions can help you determine if QR code payments are right for your business, and how you might go about implementing this tech.

Do you want to switch POS systems, or would you rather integrate QR code payments into your current POS?
Does your POS offer in-house QR code payments? If not, does it integrate with any QR payment apps?
How much does your current POS charge for QR code payments (if this service is offered)?
Do you want to/have to stay with your current merchant account provider?
How would you incorporate QR codes into your current business model or ordering system?
Do you have a lot of Millennial and Gen Z customers?
Do you operate a restaurant? If so, what kind of restaurant?
Do you already use other digital tools such as email marketing or an electronic loyalty program?

Here’s why we ask those questions.

It’s good to have a plan in place as to how you will use QR code payments at your business before pulling the trigger. You’ll need to make sure you can afford to implement QR code payments and can easily incorporate them into your current payment system. Depending on your circumstances, you may want to switch to a new POS.

If you want to stick with your current merchant account/payment processor, overhauling your POS system probably isn’t an option. However, you could still add a standalone QR code payment option such as Venmo.

Generally, merchants that already use a cloud POS and other electronic business management tools have an easier time implementing QR code payments, as will businesses that have a younger customer base who are already familiar with this payment option. Restaurants can especially benefit from QR code payments, but maybe not so much for formal fine-dining restaurants where a QR code menu would seem out of place.

Which QR Code Payment App Is Right For You?

QR code payment technology bridges mobile payments and online payments to offer a unique way for customers to pay on their own devices. Now that you know more about QR code payment technology and implementation, you should have a better sense of whether a QR code payment system is right for you.

No matter the type of business you have, it’s good to offer customers at least some alternative payment options, even if you opt to not use QR codes in your business.

FAQs: QR Code Payments

How do QR codes work for payments?

Upon scanning a QR code with their phone’s camera, the customer is directed to a URL. If a QR code is used for payments, the website or app that the QR code is linked to will allow the customer to enter their payment details — such as a credit card number– so they can pay for a transaction online using their phone.

If the QR code directs to an app such as Venmo where the customer has already saved their payment information, they will simply need to confirm the purchase in the app.

How is a QR Code different from NFC Tags?

A QR (quick response) code is a type of barcode that you can scan with a smartphone camera to quickly navigate to a linked URL. A QR code can direct to an online payment website or app, but simply scanning the code will not initiate or authorize a transaction.

NFC (near-field communication) tags are microchips that use radio waves to communicate information, including payment information. Using a technology called credit card tokenization, NFC-enabled devices can be used to complete quick, close-range transactions after two connected devices approve a sale.

What are the benefits of QR payments?

QR payments can be socially distanced, allowing customers to pay for a transaction online using their own devices.

Because QR payments can be conducted from any location and at the customer’s convenience, offering this payment option prevents customers from having to wait in line to pay or wait for a server to collect their payment.

Is QR code payment secure?

In some ways, a QR code payment is more secure than a transaction in which a credit card is physically exchanged since a QR payment offers no opportunity for an employee or nearby thief to steal the customer’s credit card number.

All online payments, including QR payments, do carry the potential for online credit card theft. However, this risk can be greatly reduced by using a secure, PCI-compliant payment website or app.

Can you pay with QR code online?

You can pay with a QR code online if the payment gateway supports it. Not all payment gateways support payment methods that have QR codes built into the checkout process, including AliPay and WeChat Pay.

In Summary: 8 Best Scan To Pay & QR Code Payment Apps

Square POS:
- 2.9% + $0.30 QR code processing
- $0+/month
- Suitable for any business type
Helcim:
- Interchange-plus QR code processing
- $0/month
- Suitable for any business type
PaymentCloud:
- Contact PaymentCloud for processing fees
- Contact PaymentCloud for monthly pricing
- Suitable for high-risk businesses
Toast POS:
- 3.5% + $0.15 for QR code processing
- $0+/month
- Suitable for restaurants
Clover POS:
- 3.5% + $0.10 Apple Pay QR code payments
- $14.95+/month
- Suitable for restaurants, retailers, & service businesses
Lightspeed Restaurant POS:
- 2.6% + $0.30 for QR code processing
- $69+/month
- Suitable for restaurants
Venmo:
- 1.9% + $0.10 for QR code processing
- $0/month
- Suitable for most small businesses
Zettle:
- 2.29% + $0.09 for QR code processing
- $0/month
- Suitable for small retail & small restaurant businesses

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Shannon Vissers

Senior Staff Writer at Merchant Maverick

Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.

@ShannonVissers

View Shannon Vissers's professional experience on LinkedIn.

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Sources

Square QR Codes (Accessed 06/05/2023) — Square
Accepting PayPal and Venmo in person is simple, with touch-free QR codes. (Accessed 06/05/2023) — PayPal
For Merchants (Accessed 06/05/2023) — Venmo
Accept Venmo In Stores (Accessed 06/05/2023) — Venmo
Restaurant POS System With Scan To Pay Technology (Accessed 06/05/2023) — Clover
Merchants Can Offer More Touch-free Ways to Pay as Fiserv Brings PayPal and Venmo QR Code Payments to the Point of Sale (Accessed 06/05/2023) — Business Wire
Order & Pay™ at the Table Overview (Accessed 08/15/2022) — Toast
Helcim Hosted Payment Pages (Accessed 06/05/2023) — Helcim
Pricing & Fees (Accessed 06/05/2023) — Zettle by PayPal

Hide Sources

1. Square POS

❮ ❯

2.9% + $0.30 QR code processing
$0+/month
Suitable for any business type

2. Helcim

❮ ❯

Interchange-plus QR code processing
$0/month
Suitable for any business type

3. PaymentCloud

❮ ❯

Contact PaymentCloud for processing fees
Contact PaymentCloud for monthly pricing
Suitable for high-risk businesses

4. Toast POS

❮ ❯

3.5% + $0.15 for QR code processing
$0+/month
Suitable for restaurants

5. Clover POS

❮ ❯

3.5% + $0.10 Apple Pay QR code payments
$14.95+/month
Suitable for restaurants, retailers, & service businesses

6. Lightspeed Restaurant POS

❮ ❯

2.6% + $0.30 for QR code processing
$69+/month
Suitable for restaurants

7. Venmo

❮ ❯

1.9% + $0.10 for QR code processing
$0/month
Suitable for most small businesses

8. Zettle

❮ ❯

2.29% + $0.09 for QR code processing
$0/month
Suitable for small retail & small restaurant businesses