QR code payments made easy
Pay the way locals do: scan the QR code on the counter and you're done. Moreta Pay connects you to local QR payment networks from the bank or card you already have, so travelers, digital nomads and expats can skip cash and foreign card fees. It's built for paying merchants directly in their local currency: no local bank account needed, a 1.5% fee per payment, and the live exchange rate shown before you pay.
How QR code payments work with Moreta Pay
Moreta Pay lets travelers pay on the local QR networks of Thailand, the Philippines, Vietnam and 12 other countries across Asia, Latin America and Africa, with no local bank account.
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EUR
GBP
CAD
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Use QR codes to pay instantly
One app covers PromptPay and Thai QR in Thailand, KHQR in Cambodia, QR Ph in the Philippines, DuitNow in Malaysia, Pix in Brazil and more. Scan the merchant's QR code, check the amount and the fee, and swipe to pay. The merchant is paid straight away.
Your balance stays in your own currency until you pay. Each payment converts at the live rate at that moment, with one 1.5% fee shown before you confirm, instead of your bank's foreign transaction fee and marked-up rate.
15 countries, each on its own local network
VietnamVND
VietQR
MoMo
ZaloPay
ThailandTHB
Thai QR
PromptPay
CambodiaKHR
KHQR
PhilippinesPHP
QR Ph
InstaPay
LaosLAK
OnePay
MalaysiaMYR
DuitNow
South KoreaKRW
SeoulPay
MongoliaMNT
QPay
ChinaCNY
WeChat Pay
BrazilBRL
Pix
ArgentinaARS
Mercado Pago
Ualá
MODO
Cuenta DNI
BNA+
PeruPEN
Yape
Plin
BoliviaBOB
Banco Central de Bolivia
Simple
ColombiaCOP
DaviPlata
Bre-B
Nequi
South AfricaZAR
Scan to Pay
Zapper
SnapScan
EasyPay
Why use QR codes for travel payments?
In much of Southeast Asia and beyond, the QR code on the counter is how people pay.
It's how locals pay
Merchants get their money quickly, and you avoid miscounted change, language mix-ups and your bank's foreign transaction fees.
It opens more doors
Taking a card costs merchants a fee, so many small shops and stalls only take QR or cash. Paying by QR opens up street food, markets, taxis and vending machines as well as supermarkets.
It's safer
You never hand over a card or carry a wad of cash, and every payment needs your confirmation in the app.
One app, 15 countries
Most QR networks need a local bank account. Moreta Pay doesn't, so there is nothing new to set up when you cross a border.
No cash? No problem.
Cash still works, but getting it abroad costs you. Where there is a QR code, you can skip all of that.
Cash from an ATM
- Find an ATM that takes your card
- Your bank's withdrawal fee
- The machine's own fee
- A poor rate
QR with Moreta Pay
- Scan the code on the counter
- One 1.5% fee
- The live rate at that moment
- Paid straight away
Where it works · 15 countries
How it works
Four steps from download to your first QR payment. Setting up your account takes a few minutes.
- 01
Add payment method
Link a bank account, bank transfer or card. Your details are protected at every step.
- 02
Add money
Top up your balance instantly, so it is ready to spend the moment you land.
- 03
Scan the QR code
Scan the merchant's QR code, or show your own where that's how locals pay.
- 04
Review and confirm
Check the amount, FX rate and merchant name, then slide to pay. Done in seconds.
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Instant
Frequently asked questions.
What people ask before using Moreta for QR payments.
Showing 8 of 8 questions
Start scanning with Moreta Pay today
Groceries, street food, taxis and souvenirs, paid the way locals pay. Download Moreta Pay, add money from home and start scanning.