MPP
Merchant-presented mode and interoperable QR payment flows
Merchant-presented payments
MPP (Merchant-Presented Mode) describes payments where the merchant displays a QR or payment code; the customer scans and authorises. Common in mobile-money ecosystems across Africa and Asia, and increasingly in global retail and transit.
Interoperability breaks when each wallet app reads only its own QR format.
Shared QR convention
GoldRail promotes a shared QR convention embedded in URLs or deep links so any compliant wallet can extract institution and settlement destination from a scan. PayLink QR helps build and parse compliant payloads without each fintech inventing a proprietary format—supporting multi-asset settlement on the same network.
Typical flow
- Merchant generates QR with institution and settlement destination
- Customer wallet scans and resolves the counterparty via network directory
- Customer confirms amount; transfer executes digitally or via ramp
- Merchant receives Echo confirmation
UX considerations
Show institution logo and human-readable merchant name after scan—never rely on raw addresses alone. Support amount pre-fill when encoded in the surrounding URL schema.