Local QR payments

Local QR rails put a payment QR code on your invoice. Your client scans it with their banking or wallet app and pays you directly, in seconds. Four rails are supported: UPI for invoices in Indian rupees, and Raast, JazzCash and Easypaisa for invoices in Pakistani rupees. They work like bank transfer: the money goes straight to your account, the client tells you they have paid, and you record the payment.

The four rails

UPI QR codes carry the exact amount and invoice number, so your client does not have to type anything. For Raast, JazzCash and Easypaisa, the QR is your own merchant code, so the client enters the amount shown on the invoice. A per-invoice Raast QR with the amount built in is planned only once a partner bank provides the State Bank of Pakistan's merchant QR format.

Where the QR appears

The QR code and your plain account details appear on:

• the pay page,
• the invoice PDF,
• the share link.

The plain details are always shown next to the QR, for clients who cannot scan (for example when they open the invoice on the same phone they would pay with).

How a QR payment is confirmed

QR rails are instruction rails. We show where to pay, but the payment happens in your client's app, outside our system. So:

1. The client scans and pays.
2. The client clicks I have paid on the pay page and can upload a screenshot or receipt as proof.
3. You check that the money arrived in your account.
4. You accept the proof or record the payment. The invoice moves to paid or partially paid, with an audit entry.

Scanning the code, or clicking I have paid, never marks the invoice paid by itself.

Set up a QR rail

Through the API

QR rails use the same connection capabilities as every other rail. For Raast, JazzCash and Easypaisa, upload the merchant QR image first, then pass its attachment id when you create the connection.

GET /v1/rails returns each rail's connection schema, so you can see exactly which fields UPI, Raast, JazzCash and Easypaisa expect. The details you enter (UPI ID and payee name, Raast ID, till numbers, account titles) are not secret: they are shown on pay pages.

Recording the payment after you checked your account works with an API key or over MCP:

{
  "name": "record_payment",
  "arguments": {
    "document_id": "0193f2b4-5a6b-7c8d-9e0f-1a2b3c4d5e6f",
    "amount_minor": "2500000",
    "currency": "PKR",
    "reference": "Raast TXN 88231"
  }
}

Here "2500000" is 25,000.00 PKR in minor units.

Rules and edge cases

• Currency must match. If you try to accept a QR rail on an invoice in another currency, you get currency_mismatch.
• No refunds through QR rails. To refund, pay the client back from your account and record the refund manually. See Refunds.
• Partial payments are recorded as they arrive, like bank transfers.
• Voided invoices have their pay link cancelled, so the QR is no longer shown on the pay page for that invoice.
• No fees from us. Your bank or wallet's own terms apply.
• Other local rails (for example bKash, M-Pesa or PIX) are added when users ask for them.

Permissions

Errors

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