# Mastercard QR source: https://developer.mastercard.com/mastercard-send/product/mastercard-qr/index.md ### Benefits {#benefits} Mastercard® QR is a mobile payment solution that enables consumers to make fast, secure payments to merchants for goods and services by scanning QR codes. ![Mastercard QR logo](https://static.developer.mastercard.com/content/mastercard-send/product/img/mastercard-qr-logo-small.png) ![Fast](https://static.developer.mastercard.com/content/mastercard-send/uploads/fast.svg) ###### Fast {#fast} Merchants can be credited with funds in real time ![Convenient](https://static.developer.mastercard.com/content/mastercard-send/uploads/convenient.svg) ###### Convenient {#convenient} Merchants can receive Mastercard payments without a payment terminal ![Secure](https://static.developer.mastercard.com/content/mastercard-send/uploads/secure.svg) ###### Secure {#secure} Sensitive information isn't shared with merchants *** ** * ** *** ### How it works {#how-it-works} Consumers can make cashless payments from their mobile phones by simply scanning a Mastercard QR Code provided by any accepting merchant. This payment method has the convenience of cash and the security of a card payment, without needing a card payment terminal. ![Example use - flow](https://static.developer.mastercard.com/content/mastercard-send/product/img/mpqr-overview.png) ##### Mastercard Merchant Presented QR {#mastercard-merchant-presented-qr} **Mastercard Merchant Presented QR** (MPQR) is a Mastercard QR program that enables consumers to pay merchants by scanning their Mastercard QR codes. The MPQR device SDKs and server APIs enable acquiring merchant banks, issuing consumer banks and wallet providers to provide this payment solution: * **Merchant banks** (known as *Receiving Institutions*) can generate Mastercard QR codes for their merchants, for presenting to consumers. * **Consumer banks** (known as *Originating Institutions* ) and **wallet providers** (known as *Transaction Originators*) can add Mastercard QR-scanning functionality to their payment apps, enabling consumers to initiate payment requests when they scan merchants' QR codes. ![Example use - interactions between participants](https://static.developer.mastercard.com/content/mastercard-send/product/img/mastercard-qr-how-it-works.svg) The MPQR services can also enable secure payments in markets or environments where internet connectivity or device technology is limited, for example payments from feature phones using a Merchant ID via Unstructured Supplementary Service Data (USSD). ##### Additional Services {#additional-services} The **Currency Conversion Calculator** provides Originating Institutions access to daily currency conversion rates for cross-border MPQR payments. This enables Originating Institutions to instantly look up currency conversion rates from transaction currency to Originating Institution reconciliation currency, helping them determine the funds needed to reconcile with Mastercard. [Learn more about this service](https://developer.mastercard.com/payment-currency-conversion/product/currency-conversion/)
**NOTE:** Mastercard does not transmit funds. All Mastercard QR and Mastercard Network funds are transmitted by a licensed Financial Institution for which Mastercard provides data processing services. *** ** * ** *** ### Why use it {#why-use-it} ### 1 billion consumers will use a mobile app to pay in-store at least once every six months in 2020 ### 90% of businesses are small and medium-sized merchants, 40% of which are financially underserved ### 2 billion unbanked consumers eager to participate in modern consumer economy *** ** * ** *** ### Use Cases {#use-cases} ![Instore](https://static.developer.mastercard.com/content/mastercard-send/uploads/instore.svg) ###### Instore {#instore} A fast and simple payment method that provides customers with an optimal in-store experience ![Quick service restaurants](https://static.developer.mastercard.com/content/mastercard-send/uploads/quick_service_restaurants.svg) ###### Quick service restaurants {#quick-service-restaurants} A fast payment solution in an environment synonymous with quick service ![Cinemas](https://static.developer.mastercard.com/content/mastercard-send/uploads/cinemas.svg) ###### Cinemas {#cinemas} Frequented by young consumers, Mastercard QR provides a payment method that resonates with this target market ![Payment on delivery](https://static.developer.mastercard.com/content/mastercard-send/uploads/payment_on_delivery.svg) ###### Payment on delivery {#payment-on-delivery} A digital payment alternative for Cash on Delivery payments and tips ![Transit](https://static.developer.mastercard.com/content/mastercard-send/uploads/transit.svg) ###### Transit {#transit} Public transportation operators and taxi drivers can accept digital payments from on-the-go customers ![Bill payment](https://static.developer.mastercard.com/content/mastercard-send/uploads/bill_payment.svg) ###### Bill payment {#bill-payment} Utility and service providers can settle invoices quickly and conveniently ![Online](https://static.developer.mastercard.com/content/mastercard-send/uploads/online.svg) ###### Online {#online} Retailer's webpage features a QR code and is scanned by consumers using a phone *** ** * ** *** ### Create a best-in-class Mastercard QR experience with Experience Design Guide
This guide provides you with the cutting edge resources needed to effectively implement Mastercard QR faster, easier, and for less. Find Figma-based white label flows for each use case in the user experience, including API callouts and much more. [View Experience Design Guide](https://developer.mastercard.com/mastercard-merchant-presented-qr/documentation/experience-design-guide) ![](https://static.developer.mastercard.com/content/mastercard-send/uploads/entry_banner.png) *** ** * ** *** ### How our partners use Mastercard QR {#how-our-partners-use-mastercard-qr} Mastercard QR helps power some of the most exciting payment products. ###### Telcos {#telcos} * Airtime top up * Instore payments such as groceries, cinemas and quick service restaurants ###### FinTechs {#fintechs} * Instore payments such as groceries, pharmacies, cinemas and quick service restaurants * Utility Bill Payment ###### Banks {#banks} * Instore payments such as groceries, cinemas and quick service restaurants * Utility Bill Payment *** ** * ** *** ### Resources {#resources} For guidance by participant type, see [Which Services Can I Use?](https://developer.mastercard.com/mastercard-send/product/mastercard-qr/index.md#which-services-can-i-use) ##### Primary Services {#primary-services} Mastercard Merchant Presented QR Device SDKs for generating, scanning, and parsing Mastercard QR codes, and server APIs for sending payments *** ** * ** *** **Used By** Originating Institutions, Receiving Institutions **Regions** Middle East and Africa, Asia Pacific, Latin America and the Caribbean **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg) ##### Additional Services {#additional-services-1} Currency Conversion Calculator for Originating Institution Reconciliation Real-time access to Mastercard daily currency conversion rates for cross-border transfers *** ** * ** *** **Used By** Originating Institutions **Regions** Middle East and Africa, Asia Pacific, Latin America and the Caribbean ##### Coming Soon {#coming-soon} * MPQR Merchant Transfer Funding and Payment
##### Which services can I use? {#which-services-can-i-use} To help guide you, the following resources are relevant to these participants: ###### Originating Institutions / Transaction Originators {#originating-institutions--transaction-originators} *(Issuing consumer banks and digital wallet providers)* Primary: * Mastercard Merchant Presented QR Additional: * Currency Conversion Calculator ###### Receiving Institutions {#receiving-institutions} *(Acquiring merchant banks)* Optional: * Mastercard Merchant Presented QR (SDKs for generating Mastercard QR codes) *** ** * ** ***