How Scan To Pay & Generate QR Code Works On SaylorPay

Gone are the days of shouting your phone number across the room or texting it every time someone wants to send you money.

With SaylorPay’s Scan to Pay & QR Code system, you can make and receive mobile money payments easily and privately.

What Is SaylorPay's QR Code Payment Feature?

SaylorPay allows users to generate a unique QR Code tied to a specific mobile number, a specific amount, and specific reference.
This QR Code can be:

• Shared digitally (WhatsApp, email, social media, etc.)
• Displayed for in-person scans (great for vendors, freelancers, small businesses)

Anyone with the SaylorPay app installed on their smart phone can scan or import this QR code to automatically begin the mobile money payment process.

How It Works (In Summary)

➤ You (Receiver) Generate a QR Code

✅ You enter a phone number (this can either be your own number if receiving payment for yourself or another third party’s number if aiding that third party receive payment), amount, and reference, and SaylorPay generates a QR code that encodes this data.

You can either

• Share the QR Code digitally (WhatsApp, email, social media, etc.) or
• Display the QR Code for in-person scans (great for vendors, freelancers, small businesses)

➤ They (Sender) Scan or Import the QR Code

✅ The sender selects the SIM/network to pay from and either scans the code or imports it.

✅ SaylorPay decodes the QR code and auto-dials the correct USSD code, filling in the amount, recipient phone number, and reference.

✅ The process pauses only at the final step - where the sender must enter their Mobile Money PIN to approve the transfer.

How to Generate a QR Code on SaylorPay (Step-by-Step)

            Step 1: Launch SaylorPay on your phone

            Open SaylorPay, and from the main menu, tap “Generate QR Code.”

On the Generate QR Code page;

If your SIM(s) is/are synced, SIM 1 is auto-filled in the phone number field.

You can enter any preferred phone number or tap to choose from your contacts.

⚠️ If the number is ported, make sure to reselect the appropriate network.

            Step 3: Enter amount to receive

            Enter the amount you expect to receive.

Step 4: Enter Reference

You can either;

1. Add your own reference or

2. Tap “Auto-generate reference” to let SaylorPay create one for you.

            Step 5: Generate QR Code

            Tap “GENERATE QR CODE”

Once your QR code is created, you can:

1.      Download it to your device

2.      Share it with others, or

3.      Display it for scanning in person

Prefer watching rather than reading? Checkout our full step-by-step video tutorial below

How to Use the “Scan to Pay” Feature on SaylorPay

The Scan to Pay feature is designed to work with SaylorPay-generated QR Codes and any other QR Code.

To make a payment via QR Code, follow the following steps;

            Step 1: Launch SaylorPay on your phone

            By default, you will be taken to the Scan To Pay page

Step 2: Select SIM to make payment from

Choose the SIM/network to make payment from (e.g. MTN, Telecel, AirtelTigo).

            Step 3: Scan the SaylorPay Payment QR Code

            Now you have two options:

1. Scan the QR Code directly using your phone's camera, or

2. Tap the image icon to import the QR Code image from your gallery (if the code was sent to you).

SaylorPay will instantly:

• Decode the QR Code
• Dial the correct USSD code
• Input all payment details (recipient, amount, and reference)

Step 4: Authorize Payment

The app will stop at the final step where you need to enter your pin. When prompted, enter your PIN to authorize and complete the payment.

Why Use This Feature?

• More Private: You don't have to share your phone number verbally or publicly
• Faster Transactions: No need to manually input phone numbers or USSD steps
• Automatic Record: You can keep your QR Code saved and reuse it for repeated payments

Prefer watching rather than reading? Checkout our full step-by-step video tutorial below