How can I pay with a QR code?

QR payments are a convenient way to pay, especially in countries where card payments are not widely accepted yet. QR payments let you skip the hassle of cash withdrawals, carrying notes and coins, and dealing with loose change.

You can use your Wise app to make QR payments in specific countries. When you make a QR payment, the money is taken directly from a currency in your Wise account.

Wise supports multiple ways of making QR payments:

You can scan a QR code using the QR scanner in your Wise app.
You can import a QR code from your phone gallery.
You can show your QR code from your Wise app to the merchant you’re paying (for Alipay+ only)

What is a QR code?

A QR code is a two-dimensional code that you can scan using the camera in the Wise app. They look something like this (you don't need to scan this one when setting up a transfer):

A payment QR code would usually store information about the merchant or recipient names, transaction amount, and currency of payment. This makes the transaction seamless and quick.

How do I pay with QR codes using the Wise app?

Tap on the Scan button on your Wise Home tab. Alternatively, you can go to the Cards tab, swipe left on the image of your card and tap on the QR code symbol.
Once you’ve launched the QR code scanner, you can do any of the following:
1. Aim the QR scanner at a supported QR code.
2. Tap on Photo to upload a QR code from your image gallery.
3. Tap on Document to upload a file stored on your device.
4. Tap on the QR code icon (top right corner) to retrieve your own QR code. You can show this QR code to the merchant you are paying, as long as the merchant supports Alipay+
Enter your payment amount (if applicable) and review any fees.
Confirm your payment.
Done! You can review the payment anytime under your transaction history in the Wise app

Which QR codes are supported?

Please refer to the table below for supported QR code networks across various countries.

Please note you can scan an Alipay+ QR code (or any QR code powered by Alipay+) only when you’re traveling outside of your home country. Your home country is the country where your Wise account is registered.

For example: If your Wise account is registered in Singapore, you can only scan Alipay+ QR codes (or any QR code powered by Alipay+) when you’re traveling outside of Singapore.

Supported QR code	Where can I use this?	Who can use this?
Alipay+	Wherever the Alipay+ mark is displayed on QR codes across 50+ countries	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently travelling outside their home country.
Wisetag	Anywhere	All Wise customers
PayNow	Singapore	All customers
Swiss QR-Bill	Switzerland	All customers with a CHF balance and all customers in Switzerland
Hungarian Qvik QR	Hungary	All customers with a HUF currency
Pix	Anywhere	All customers with a Brazil address and a BRL currency
QR Ph	The Philippines	All Wise customers
NETS QR (Powered by Alipay+)	Singapore	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
DuitNow QR (Powered by Alipay+)	Malaysia	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
GCash QR (Powered by Alipay+)	The Philippines	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
Alipay HK QR (Powered by Alipay+)	Hong Kong	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
KakaoPay QR (Powered by Alipay+)	South Korea	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
NepalPay QR (Powered by Alipay+)	Nepal	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
Lanka QR (Powered by Alipay+)	Sri Lanka	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country
KHQR (Powered by Alipay+)	Cambodia	Wise customers from the UK, Europe, Singapore, Malaysia and Brazil, who are currently traveling outside of their home country

We’re working hard to support more QR code networks, so you can make QR payments in even more countries — and to bring this feature to Wise users in more markets around the world.

Additional info for PayNow QR codes in Singapore

For customers based outside of Singapore, we only support PayNow QR code payments to businesses (e.g. shops, service providers). This payment method isn't available for personal transfers.

PayNow QR has payment limits of:

1000 SGD per transaction for all customers
20,000 SGD per calendar year for non-SG customers

Additional information for PIX in Brazil

You can also send payments using a QR code to a Pix key if you have a BRL currency in your main account. Just select Scan from your home page, and scan a QR code.

How to pay with QR code in China?

In China, paying via QR code (typically with Alipay and WeChat Pay QR codes) is the default payment method.

While Wise currently doesn't support scanning and paying via QR codes using the Wise app, Wise card customers can still enjoy the Wise exchange rates when paying in China.

Alipay

See the official guide.

Download the Alipay app, and register for an account.
Under your Account page, go to Bank Cards to add your Wise card.
You can use your passport to complete their verification flow.
To make payments, select Pay/Receive on the app home page. Confirm on this screen that the default payment method is the Wise card you've added, where the last 4 digits of the card are displayed.

WeChat Pay