QR Pay Autopilot: automatically detect and confirm bank transfers

QR Pay is evolving from a flexible payment start into an automated payment flow: FoxPay registers the expected bank transfer, reconciles it against the securely connected business account and confirms the payment server-side once the incoming transaction is visible in the bank feed and can be matched unambiguously.

The buyer journey stays familiar: scan the QR code, open the banking app and transfer the funds. For merchants, matching payments no longer require manual status checks – checkout, order and payment remain traceably connected.

What changes for merchants

The QR code already provided a fast bridge between checkout, invoice or point of sale and the banking app. The new part is the operational automation that follows:

1. FoxPay registers the expected incoming payment with its amount and reference.
2. The buyer transfers the funds through their banking app as usual.
3. The connected business account makes the visible incoming transaction available.
4. FoxPay reconciles the amount, reference and additional attributes server-side.
5. Only a reliable, unambiguous match is confirmed automatically.

This means the order state follows actual bank-side truth – not a browser redirect and not the buyer's claim that payment has already been made.

Secure bank authorisation, not banking credentials

The account connection uses secure bank authorisation. FoxPay never receives online-banking credentials and cannot initiate transfers through this AIS connection. The account information provided is used solely to reconcile expected payments with visible incoming transactions.

What “automatic” means precisely

Automatic does not mean every transfer is treated as paid immediately, regardless of bank processing time or data quality. Confirmation occurs once the transaction is visible in the bank feed and can be assigned unambiguously to the expected payment. Ambiguous or non-matching transactions are not force-confirmed.

That reduces manual work without giving up control over payment status and fulfilment.

Pricing by risk profile

After the free first month, the merchant's approved risk tier applies:

All prices exclude VAT. There is no setup fee and no monthly base fee. The applicable tier and availability are reviewed transparently during merchant onboarding.