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Making payments

Paying, troubleshooting, and managing your payments.
By Constantin and 2 others
• 43 articles

'This is a personal QR code' in Thailand

Some smaller vendors, such as night market stalls or family-run businesses, may use personal ThaiQR codes to accept payments. These personal QR codes are restricted for use with cross-border QR code wallets like Moreta. ​ However, this is a limitation we're actively working to address. How Can You Identify a Personal QR Code? You can recognize a personal QR code by the format displayed below the QR code itself. Typically, personal QR codes will include a format like xxxx-9837-x or something similar. What Does This Mean for You? If you attempt to pay at a shop or vendor using a personal QR code, the payment will not be processed. Instead, you'll see a message such as 'This is a personal QR code'. While this may affect some of your transactions at smaller vendors, rest assured that we're working to expand Moreta's functionality. What’s Next? We are dedicated to making Moreta work seamlessly for all payment scenarios. Our team is actively working on enabling support for personal QR codes, and we aim to make this feature available soon. Users will be notified via an email announcement. Thank you for your understanding and patience as we work to enhance your payment experience with Moreta. Stay tuned for updates! ⚠️ Thailand QR payments are paused for all users since 29 June. Exception: customers with a US or Canada passport can still pay with business Thai QR. Personal ThaiQR is not supported yet. Need to withdraw? Contact Support in the app for a fee-free withdrawal.

Last updated on Jun 29, 2026

Moreta accepts dynamic and static QR codes

At Moreta, we make payments easy by allowing you to pay through both dynamic and static QR codes. Understanding how each type works can help you make the most out of your payments when using the Moreta app. What Are Static QR Codes? Static QR codes are fixed and unchanging. They typically contain the merchant's payment details, such as their account information, which doesn’t change over time. When you scan a static QR code, the payment information remains the same, and you simply need to enter the payment amount. How Moreta Uses Static QR Codes: - Merchant Payment: Static QR codes are commonly used by many businesses, allowing you to easily pay for goods or services by scanning the QR code and entering the amount. - Frequent Use: Once you scan a static QR code, the payment details appear in the app, and you confirm the payment by entering the amount to be paid. What Are Dynamic QR Codes? Dynamic QR codes are more flexible and can change based on the payment details. These codes are typically used for real-time transactions where the merchant’s details or the payment amount may vary with each transaction. When you scan a dynamic QR code, it automatically populates the payment information, including the amount, allowing for a quicker and more accurate payment process. How Moreta Uses Dynamic QR Codes: - Automatic Payment Details: When you scan a dynamic QR code, Moreta automatically fills in the payment details, including the merchant's information and the transaction amount. This helps you avoid manual errors. - One-Time Use: Dynamic QR codes are often used in situations where payment amounts may change, like for utilities, bills, or subscription services. How to Pay with Dynamic and Static QR Codes Using Moreta 1. Scan the QR Code: Open the Moreta app and scan either a static or dynamic QR code from the merchant. 2. Enter or Confirm Payment Details: For static QR codes, you’ll enter the payment amount. For dynamic QR codes, the payment amount and merchant details will automatically appear. 3. Review and Confirm: Double-check the payment details and make sure everything is correct. 4. Send Payment: Slide the blue slider to the right to securely send your payment. Both static and dynamic QR codes are supported by Moreta to ensure a seamless and fast payment experience, whether you're shopping, dining, or paying bills.

Last updated on Jan 30, 2026

Understanding Scheduled Bank Maintenance In Thailand

What happened? Thai banks perform daily scheduled maintenance between approximately 11:00 PM and 3:00 AM (Thailand time). During this window, banks may temporarily stop processing transactions, which can cause some payments made through Moreta to fail. This is not an issue with Moreta. It is a routine banking system limitation that affects all payment services operating in Thailand. What should I do? - Wait and retry: If your payment fails during this window, simply try again later. - Check your balance: No funds will be deducted from your Moreta wallet for a failed transaction. If you notice a pending charge, it will be reversed automatically. - Plan ahead: If possible, schedule payments outside of the 11 PM to 3 AM maintenance window to avoid interruptions. Bank system maintenance schedules All times are in Thailand time (ICT) and occur daily. - Siam Commercial Bank (SCB) 00:00 to 02:00 - Bangkok Bank (BBL) 23:00 to 23:15 and 02:30 to 03:30 - Kasikorn Bank (KBANK) 00:00 to 01:00 - Krung Thai Bank (KTB) 23:00 to 02:00 - TMB Bank (TMB) 00:00 to 00:30 - Krungsri Bank (BAY) 23:45 to 00:15 and 01:30 to 04:30 - United Overseas Bank (UOB) 00:00 to 06:00 ⚠️ Thailand QR payments are paused for all users since 29 June. Exception: customers with a US or Canada passport can still pay with business Thai QR. Personal ThaiQR is not supported yet. Need to withdraw? Contact Support in the app for a fee-free withdrawal.

Last updated on Jun 29, 2026

Can I send money to a friend with Moreta?

Moreta doesn't have a peer-to-peer (Moreta-to-Moreta) transfer feature — you can't move balance from your wallet to another person's Moreta wallet. But there are still two ways to get money to a friend. Option 1 — Scan their local bank QR code (fastest) If your friend is in a supported country, they can show you the QR code for their local bank account, and you can pay it the same way you pay any merchant: 1. Open Moreta and tap to scan a QR code. 2. Scan your friend's local bank account QR code. 3. Enter the amount and review the details. 4. Slide to confirm. The payment goes straight to their bank account in their local currency. This works wherever Moreta payments are live — currently the Philippines, Vietnam, Laos, Mongolia, Brazil, Argentina, Peru, Bolivia, and Colombia. (In mainland China, Moreta supports WeChat (Weixin) merchant QR payments only, so the bank-QR option doesn't apply there.) Option 2 — Withdraw to your bank, then send If your friend isn't in a supported country, withdraw from Moreta to your own bank first (Settings → Transfers → Withdrawal), then send it to them through your bank as you normally would. Remember: withdrawals can only go back to a bank account you've previously deposited from (unless you're on the new Transfers experience — see withdrawing to a different bank account). 💡 Tips - You're paying your friend's bank QR, not "sending to their Moreta" — there's no receive feature on Moreta. - Double-check the name and amount before you slide to confirm. QR payments are final.

Last updated on Jun 29, 2026

How to pay with a QR code in Brazil

Paying in Brazil with Moreta works the same way as in our other live countries: you scan the merchant's QR code at checkout and confirm the payment in the app. Before you pay 1. Add money to your Moreta wallet (card, bank transfer, or crypto). Your balance is held in USD. 2. Make sure you have enough balance for the purchase plus the 1.5% transaction fee (shown on the review screen). Paying a merchant in Brazil 1. Open Moreta and open the QR scanner. 2. Scan the merchant's QR code displayed at the till, on a receipt, or on their payment terminal — the same QR locals use to pay. 3. Enter the amount in Brazilian reais (BRL) if it isn't filled in automatically. 4. Review the merchant name, amount, and the 1.5% transaction fee. 5. Slide to confirm. Most payments complete within seconds. Moreta converts your USD balance using the live mid-market rate (see What exchange rate does Moreta use?). If the scan or payment fails - Check you're on the latest app version. - Confirm the QR is a merchant / business code (not a code meant only for receiving into someone's personal wallet elsewhere). - See My QR payment isn't going through for general troubleshooting. Still stuck? Use the chat button in the app with a screenshot of the error. 💡 Tips - Each QR payment has a 1.5% transaction fee — see Understanding Moreta's Transaction Fees. - Paying a friend? You can scan their local bank account QR — see Can I send money to a friend with Moreta? - Moreta does not have a receive feature — you can't collect money into your wallet from other people.

Last updated on Jun 02, 2026

My QR payment isn't going through

If a QR payment won't scan or keeps failing, work through these checks in order. 1. Check your balance Make sure your Moreta wallet has enough USD for the payment and any fee shown at checkout. 2. Confirm you're in a supported country QR payments work in: - Philippines, Vietnam, Laos, Mongolia - China (mainland) — WeChat (Weixin) merchant QR - Brazil, Argentina, Peru, Bolivia, Colombia Thailand — Thailand QR is paused for all users since 29 June. Exception: customers with a US or Canada passport can still use business Thai QR. See Is Thailand available for QR payments right now?. Cambodia is temporarily paused. See Cambodia availability. 3. Use a merchant QR code Moreta is for paying merchants (and, in supported countries, a friend's bank QR). It does not support personal "receive money" QRs into Moreta. 4. Update the app and retry Install the latest Moreta Pay version, force-close the app, and scan again. Some failures are one-off network issues. 5. Laos connectivity If you're in Laos and scans or login fail, try a VPN (US, Singapore, Thailand, or EU). See Having trouble in Laos? Still not working? Contact us via the chat button with: - Country you're paying in - Screenshot of the error - Approximate amount and time We'll trace the payment with our team. 💡 Tips - Pending payments may settle within one business day — see Why is my payment pending? - Country list: Which countries can I pay in with Moreta?

Last updated on Jun 29, 2026

How to pay with WeChat (Weixin) in mainland China

Paying in mainland China with Moreta works the same way as in our other live countries: you scan the merchant's WeChat / Weixin QR code at checkout and confirm the payment in the app. Before you pay 1. Add money to your Moreta wallet (card, bank transfer, or crypto). Your balance is held in USD. 2. Make sure you have enough balance for the purchase plus the 1.5% transaction fee (shown on the review screen). Paying a merchant in mainland China 1. Open Moreta and open the QR scanner. 2. Scan the merchant's WeChat / Weixin QR code displayed at the till, on a receipt, or on their payment terminal — the same QR locals use to pay. 3. Enter the amount in Chinese yuan (CNY) if it isn't filled in automatically. 4. Review the merchant name, amount, and the 1.5% transaction fee. 5. Slide to confirm. Most payments complete within seconds. Moreta converts your USD balance using the live mid-market rate (see What exchange rate does Moreta use?). If the scan or payment fails - Check you're on the latest app version. - Confirm the QR is a merchant / business WeChat / Weixin code (not a personal receive-only code). - See My QR payment isn't going through for general troubleshooting. Still stuck? Use the chat button in the app with a screenshot of the error. 💡 Tips - Each QR payment has a 1.5% transaction fee — see Understanding Moreta's Transaction Fees. - See Which countries can I pay in with Moreta? for the full country list. - Moreta does not have a receive feature — you can't collect money into your wallet from other people.

Last updated on Jun 11, 2026

How to pay with a QR code in Colombia

Paying in Colombia with Moreta works the same way as in our other live countries: you scan the merchant's QR code at checkout and confirm the payment in the app. Moreta supports Bre-B QR merchant payments across Colombia — the same QR network locals use. Before you pay 1. Add money to your Moreta wallet (card, bank transfer, or crypto). Your balance is held in USD. 2. Make sure you have enough balance for the purchase plus the 1.5% transaction fee (shown on the review screen). Paying a merchant in Colombia 1. Open Moreta and open the QR scanner. 2. Scan the merchant's Bre-B QR code displayed at the till, on a receipt, or on their payment terminal. 3. Enter the amount in Colombian pesos (COP) if it isn't filled in automatically. 4. Review the merchant name, amount, and the 1.5% transaction fee. 5. Slide to confirm. Most payments complete within seconds. Moreta converts your USD balance using the live mid-market rate (see What exchange rate does Moreta use?). If the scan or payment fails - Check you're on the latest app version. - Confirm the QR is a merchant / business Bre-B code. - See My QR payment isn't going through for general troubleshooting. Still stuck? Use the chat button in the app with a screenshot of the error. 💡 Tips - Each QR payment has a 1.5% transaction fee — see Understanding Moreta's Transaction Fees. - Paying a friend? You can scan their local bank account QR — see Can I send money to a friend with Moreta? - Moreta does not have a receive feature — you can't collect money into your wallet from other people.

Last updated on Jun 11, 2026

How to pay with DuitNow QR in Malaysia

Moreta has officially enabled QR payments in Malaysia on the DuitNow network. You can scan and pay DuitNow QR merchants directly in the Moreta app using your existing wallet balance. Before you pay 1. Update the Moreta app to the latest version from the iOS App Store or Google Play Store. 2. In app Settings, set your location to Malaysia. 3. Add money to your Moreta wallet if needed. Your balance is held in USD and converts at the live mid-market rate when you pay in Malaysian ringgit (MYR). 4. Check you have enough balance for the purchase plus the 1.5% transaction fee shown on the review screen. Paying a DuitNow merchant 1. Open Moreta and open the QR scanner. 2. Scan the merchant's DuitNow QR code at the till, on a sticker, or on their payment terminal. 3. Enter the amount in MYR if it isn't filled in automatically. 4. Review the merchant name, amount, and 1.5% transaction fee. 5. Slide to confirm. Most payments complete within seconds. Requirements & rollout notes - Malaysia QR is a new rollout. If something looks wrong, contact support via the in-app chat with a screenshot. - You must be on the latest app and have location set to Malaysia for DuitNow QR to work. - QR payments use your existing Moreta wallet balance — there is no separate Malaysia wallet. If the scan or payment fails - Confirm the QR is a merchant / business DuitNow code (not a personal receive-only code). - Update the app, restart your phone, and try again on mobile data if Wi‑Fi is unstable. - See My QR payment isn't going through for general troubleshooting. Still stuck? Use the chat button in the app with a screenshot of the error. 💡 Tips - Each DuitNow QR payment has a 1.5% transaction fee — see Understanding Moreta's Transaction Fees. - See Which countries can I pay in with Moreta? for the full country list. - Moreta does not have a receive feature — you can't collect money into your wallet from other people.

Last updated on Jul 10, 2026