BitriQR payments
One printed code that works for a customer with the app, a customer with only a camera, and a customer whose bank has never heard of BitriPay — because the code is EMVCo underneath and signed on top.
Market traders, shops, pharmacies, schools, transport operators — anyone who wants to be paid without a card machine.
Switched on for this deployment.
The problem
A card machine costs money, needs charging, needs a signal and needs reading. A plain mobile-money number means the customer types the amount themselves and you argue about what arrived. Neither works at a stall where the queue is six people long.
How it works
- Print the code once. It never changes, so it can be laminated and nailed to the wall.
- For a specific amount, open the point of sale, type the total, and the screen shows a one-time code with the amount already in it.
- The customer scans. A BitriPay user pays in one tap; anyone else lands on a checkout page that offers the rails their own institution supports.
- The phone plays a loud alarm and vibrates when the money actually arrives — not when the customer says it did.
What you can check
Facts about the running platform rather than adjectives. Each one is visible in the product, the API reference or the ledger.
- The payload is an EMVCo merchant-presented QR with a CRC, so a wallet that already reads EMVCo codes can read it.
- A signed extension carries the merchant, the terminal and the amount, verified against an Ed25519 key registry that supports rotation.
- Every code can be revoked with a reason — lost, stolen, tampered, replaced, retired — and a revoked code stops resolving immediately.
- Scan analytics are kept per code, so a stall owner can see which printed sheet is actually being used.
What it costs
Receiving into a personal wallet is free. A merchant account pays the percentage shown in its dashboard before the sale, and a payment carried by the national switch carries the aggregation fee set in the console. Nothing is deducted that the dashboard did not show first.
Questions
Does the customer need the BitriPay app?
No. A BitriPay user pays in one scan. Anyone else opens the same code in their phone camera and reaches a checkout page that offers the rails available to them, and the merchant still receives it the same way.
What stops somebody printing their own code and sticking it over mine?
The code carries a signature over the merchant and the amount, checked against a published key registry before anything is shown to the payer. A code that has been altered does not resolve, and the payer sees a refusal rather than a payment screen.
I cannot read well. How do I know I have been paid?
The phone plays a loud alarm and vibrates for several seconds, and the screen shows the amount in large figures with a green tick. If there is no sound, there is no money — a screenshot on the customer’s phone is not a payment.
Read next
Payment links
A link you can paste into WhatsApp that behaves like a full checkout — reusable or single-use, with an expiry, a reference and a webhook when it is paid.
Point of sale
A till that runs on the phone already in the shopkeeper’s hand, with line items and VAT, and no hardware to buy, charge or replace.
Hosted checkout
A checkout that offers the payer only the rails that can actually complete their payment, decided at the moment they arrive rather than listed hopefully on a page.