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QR payment solution for shops, webshops & e-commerce

Scan. Pay from your own bank. Money straight to your account.

PuffPuffPay is the technical QR payment solution by mwd-it: your customers scan, approve in their own banking app – and the money lands in your business account via instant bank transfer*. No card terminal, no cash handling, no chargebacks.

Free 15-min consultation How it works
Real-time to your account*
No terminal
No chargebacks
Bank-grade security

PuffPuffPay is a technical QR payment solution — the payment is processed solely by the user's own bank. We hold no funds, are not a payment service provider, and store no personal data. mwd-it provides the technology. The money flows bank-to-bank directly between buyer and shop.

Why PuffPuffPay

Classic payment providers often leave you out in the cold.

Visa, Mastercard and PayPal regularly reject cannabis, headshop and adjacent businesses. Card terminals cost rental fees, cash handling is effort and risk, and chargebacks eat into your margin. PuffPuffPay starts exactly there: a clean, technically simple payment through your customers' own banking app – money instantly and finally in your account.

For you as a shop

What PuffPuffPay brings to your business.

No buzzword marketing — concrete value for everyday life in the shop and the online checkout.

Real-time credit*

The money goes straight to your business account via instant bank transfer. No payout cycles, no waiting time — it's there immediately.

No terminal, no cash

No card terminal rental, no cash handling. A QR code is enough — in the webshop, at the checkout or on the invoice.

Works for your industry

Works where Visa, Mastercard and PayPal reject the industry. The transfer runs bank-to-bank — neutral and reliable.

No chargebacks

An approved transfer is final — no chargebacks, no retroactive payment default. Planning certainty for your till.

Two sides, one code

Easy for your customers. Strong for you.

For your customers

Scan & pay — done.

  • Scan the QR code, no new account, no extra app
  • Approval in the familiar own banking app (PSD2/2FA)
  • No sharing of card or account data with third parties
  • As familiar as an ordinary bank transfer
For you as a shop

More conversions, less effort.

  • Money in real time* straight to your business account
  • No terminal, no base fee, no cash risk
  • Up and running in a few business days — we set up the codes
  • Proactive support from mwd-it as your IT service provider
The complete journey

How PuffPuffPay works — until the money reaches you.

Four steps. The decisive fourth answers the most important question in online retail: Where does my money land?

1

Scan the QR code

The customer scans the code at the checkout, in the webshop or on the invoice.

2

Banking app opens

The payment is prepared in the customer's own banking app — amount and recipient are already filled in.

3

Approve the payment

Approval as usual via PSD2/2FA in their own bank app. Secure and familiar.

4

Money straight to your account

Via instant bank transfer the money goes bank-to-bank directly to your business account.*

There instantly & final*
Made for selling

Webshop, online checkout and e-commerce.

Headshops
Cannabis-adjacent shops
Pop-up stores
Online shops
Webshops
E-commerce
Quickly up and running

What you need to get started.

No lengthy project. Three steps, and you're live.

1

Existing business account

All you need is your existing business account — nothing else. No new hardware, no terminal.

2

Set up QR codes

We generate and design your payment codes for webshop, checkout or invoice.

3

Live quickly

Put up the code, let customers scan, receive money. Usually ready to use within a few business days.

Transparent costs: No card terminal, no terminal rental, no base fee — just a fair, transparent fee. We'll discuss the exact terms in a free initial consultation, tailored to your volume.
Security & data protection

Bank-grade security — no fine print.

In online retail, trust is the most important currency. That's why security is an argument for us, not footnote text.

Approval in your own bank app

Every payment is approved by the customer themselves via PSD2/2FA in their own banking app — bank-grade security, without anyone sharing card or account data.

We hold no funds, store no data

mwd-it is an IT service provider, not a payment service provider and not a bank. The money flows bank-to-bank directly to you. We store no personal payment data — that's architecture, not a promise.

Clean GDPR contract included

As a shop customer you get a proper data processing agreement (DPA) under Art. 28 GDPR from us — a natural part of working together.

Proactive operation

We monitor the payment path proactively and reach out before you even notice a problem. No anonymous provider — a reachable IT partner from Hanover.

Already in live operation

PuffPuffPay is already in real-world use with mwd-it shop customers. Proven technology, not an experiment at your expense.

A partner who stays

mwd-it handles setup, operation and questions from a single source — from code creation to ongoing support. A direct line, no ticket maze.

Next step

Secure your free 15-min consultation.

Scan the code or get in touch directly — in 15 minutes we'll show you how PuffPuffPay runs in your shop. We'll get back to you within 3 business days to arrange your appointment.

Request an appointment by email +49 511 911 600 10
Scan the PuffPuffPay QR code
Scan QR → talk to us
Frequently asked questions

FAQ

Do my customers need a new account or an app? +
No. No new account and no extra payment app are required. Payment is made through the customer's own banking app, which they already use anyway.
*What is meant by real time? +
Real-time to the account, provided the real-time option is enabled in the respective banking app.
Who actually processes the payment? +
Solely the customer's bank. PuffPuffPay is a technical QR payment solution — mwd-it is an IT service provider, not a payment service provider and not a bank. We hold no funds. The money flows via instant bank transfer bank-to-bank directly to your business account.
What data is stored? +
We store no personal payment data. The payment path runs directly between the banks. For working together as a shop you receive a data processing agreement (DPA) under GDPR.
How secure is it? +
Bank-grade security: every payment is approved by the customer themselves in their own banking app via PSD2/2FA. No card or account data is shared with third parties.
Does it work for my industry too? +
Yes — especially there. PuffPuffPay also works where Visa, Mastercard or PayPal reject cannabis, headshop and adjacent businesses, because the payment runs as an ordinary bank-to-bank transfer.
What does it cost and how fast am I live? +
No terminal, no terminal rental, no base fee — just a fair, transparent fee. With an existing business account you are usually live within a few business days. We'll clarify concrete terms in a free initial consultation.
Are you a bank or a payment service provider? +
No. mwd-it is an IT service provider. We build and operate the technical QR payment solution, set up your codes and look after operations. The actual payment is handled solely by the customer's bank.