Skip to main content

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

A paycode is a unique 16-digit ‘card-like’ identifier which allows a customer transacting in 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 CaseDescription
E‑commerce checkoutsLet 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 billingEmbed Checkout with paycode enabled in invoices so customers can settle bills at in‑person locations while keeping all billing in one system.
Collections & arrearsCollections teams send Payment Requests with paycode enabled via SMS/email/WhatsApp so payers can clear arrears in‑person without sharing banking details.
Utilities & telcosCustomers 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 premiumsInsurers 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 segmentsMerchants 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 promotionsCampaigns 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 networksField 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 sellersSellers 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 salesAgents 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 paymentsAllow customers to initiate a larger purchase or lay‑by digitally and then make one or more in‑person payments using Checkout with paycode enabled.