> ## Documentation Index
> Fetch the complete documentation index at: https://docs.momentco.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Paycode

## Use Paycode to tap into the in-person network with a single integration

A **paycode** is a unique 14-digit 'card-like' identifier which allows a customer transacting in [Checkout](/documentation/collect/checkout) to start a payment journey on a digital platform and complete the payment at an in-person location on Moment's network.

Merchants can access Moment's network using our Billing services, however this dual-integration approach may not be fit-for-purpose for every merchant. For merchants already interacting with their customers on a digitial platform (e-commerce site, mobile app, social media), paycode enables merchants to offer their customer's more ways to pay.

## How Paycode works

1. The payer selects an in-person brand in the Moment Checkout.
2. The payer is shown unique payment instructions, including the paycode, and directed to pay on our network.
3. The merchant receives a real-time notification from Moment when the payment is completed.

### Integration

Paycode works with your existing integration--you can enable paycode in Checkout using any of our Collect products.

## Common Use Cases

| **Use Case**                               | **Description**                                                                                                                                                                  |
| :----------------------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| E‑commerce checkouts                       | Let customers who don’t want to use cards/bank accounts complete online orders in‑person.                                                                                        |
| Mobile apps (billers, wallets, super‑apps) | Apps initiate payment in‑app and finish at a retail/agent point on the Moment network.                                                                                           |
| Subscription & invoice billing             | Embed Checkout with paycode enabled in invoices so customers can settle bills at in‑person locations while keeping all billing in one system.                                    |
| Collections & arrears                      | Collections teams send Payment Requests with paycode enabled via SMS/email/WhatsApp so payers can clear arrears in‑person without sharing banking details.                       |
| Utilities & telcos                         | Customers start top‑ups or bill payments digitally, receive a Payment Request with paycode enabled, and pay cash or card at any supported retailer/agent.                        |
| Insurance premiums                         | Insurers issue Payment Requests with paycode enabled for monthly or ad‑hoc premiums, giving cash‑preferring customers a way to pay in‑person with real‑time confirmation.        |
| High‑risk or low‑trust segments            | Merchants serving customers wary of sharing card or bank details use Checkout with paycode enabled to provide a “cash‑friendly” option with strong audit trails.                 |
| Cross‑channel promotions                   | Campaigns that start online (ads, emails, QR codes) issue Payment Pages with paycodes enabled so redemptions and payments can happen at physical stores.                         |
| Agent & field sales networks               | Field agents place orders on behalf of customers and share a Payment Request with paycode enabled the customer to pay at any network location instead of handling cash directly. |
| Social commerce & D2C sellers              | Sellers taking orders via social media or chat tools send a Payment Request with paycode enabled as a secure, trackable way to pay in‑person.                                    |
| Call centres / assisted sales              | Agents generate a Payment Reqeuest with paycode enabled during a call so the customer can complete payment later at an in‑person location, with automatic reconciliation.        |
| Partial or staged payments                 | Allow customers to initiate a larger purchase or lay‑by digitally and then make one or more in‑person payments using Checkout with paycode enabled.                              |