Case study ✦ QwikPay
QR account-to-account payments for Australia, without the card fees.
QwikPay is an Australian payment platform where consumers pay merchants directly from their account by scanning a QR code: instant settlement over the PayTo rails, a rewards program on spend, and no card surcharges in the flow. AppDevs engineered the platform.
Customer
QwikPay
Country
Australia
Platform type
QR account-to-account payments + digital wallet
Payment rails
PayTo (real-time A2A)
Users
Consumers and merchants
Regulatory posture
Operates as an AUSTRAC-registered business
The context
Card acceptance costs merchants money and hardware.
Card payments route every transaction through scheme intermediaries. Merchants pay processing fees, rent or buy terminals, and pass costs on as surcharges. For everyday in-person commerce, that overhead sits between the customer and the business on every single sale.
Australia removes covered card surcharges from 1 October 2026. QwikPay's account-to-account model positions merchants ahead of that shift. A direct account-to-account flow removes the intermediary cost instead of hiding it, which is the product QwikPay set out to build.
What was built
One platform covering the wallet, the merchant, and the rails.
01
Consumer wallet and payment app
A mobile wallet where users hold funds, scan a merchant QR code, and settle directly from their account, with a rewards program (Qwik Points) accruing on spend.
02
Hardware-free merchant acceptance
Merchants accept payments with a QR code instead of card terminals. No payment hardware, and no card-scheme processing fees on the transaction path.
03
Instant account-to-account settlement
Payments move directly between parties over Australia's PayTo rails with instant settlement, rather than through card intermediaries.
04
Remote and in-person flows
In-person payment by QR scan, plus remote payment addressed to a merchant's email. One platform covers both counter and distance sales.
05
Real-time transaction monitoring
Machine-learning transaction monitoring running in real time across the payment flow.
AppDevs engineered the technology platform. Regulatory registrations, banking relationships, and payment-scheme participation are held and operated by QwikPay as the regulated business.
Outcomes
Measured results, published once verified.
From engagement to production
Processed since launch
Businesses accepting QwikPay
[CUSTOMER QUOTE]
[NAME], [ROLE], QwikPay
[Written quote from QwikPay pending]