With the T-kash QR Code Scan-To-Pay will allow payments in two to three steps; scan a Merchant QR code, Enter the amount to pay, and then Enter a PIN to complete. A T-kash Merchant will display the code somewhere easily accessible to our customers printed out and displayed at their tills. The customer then just needs to scan the QR code to initiate the payment. A customer will open the T-kash APP, Select to Pay via pay bill or buy goods, and Select pay via QR Code, their camera will open allowing the customer to scan a displayed code. They will be presented with the merchant details. To complete the customer will input the amount, confirm the transaction, and enter their PIN for payment.