Create the payment
In person, select quick products or enter the total from your till. Online, the store sends the order total. Zahlo creates a unique payment reference.
One bank payment, two sales channels
CREATE.
APPROVE.
RECORD.
Zahlo prepares the bank-payment details. In person, the customer shows their bank confirmation and the merchant marks the Zahlo payment as paid. Online, the order can confirm through the checkout integration.
From amount to payment record
FOUR STEPS.
ONE RECORD.
The in-person app sits beside the existing till. The till remains responsible for the official receipt and German register compliance.
Move it to the bank
In person, the customer scans an EPC QR. Online, they select Zahlo and open their bank on mobile, or scan a QR from desktop.
Customer confirms
Their banking app shows your business, IBAN, amount and reference. They approve using the security already provided by their bank.
Record the outcome
In person, the customer shows bank confirmation and the merchant taps Mark as Paid. Online, the checkout integration updates the order. Zahlo stores the payment record.
In-person payments
YOUR SEPA QR
TERMINAL APP.
Run Zahlo beside your existing till. Select products or enter an amount, show the QR, check the customer's confirmation and mark the Zahlo payment as paid.
Online checkout
YOUR BANK
IS THE CHECKOUT.
Add Zahlo beside your current payment methods. Customers approve a direct bank payment and your order confirms automatically.
Where the money goes
DIRECT TO
YOUR ACCOUNT.
The customer approves a bank transfer to the merchant IBAN encoded in the payment request. Zahlo does not hold funds or provide a merchant settlement account.
Customer bankThe customer authorises the transfer.
→
SEPA InstantThe transfer moves across the bank rail.
→
Your bankThe business account receives the funds directly.
Ready to see it in your business?