Bluecode
Country: Austria (AT) | Payment Rail: closed_loop_wallet
DigitalWallet
Market Adoption: 3%
Bluecode is a European mobile optical payment solution originating in Austria, featuring single-use dynamic barcodes and direct bank account integration and widely used for supermarket chains, petrol stations, vending machines, and mobile checkouts.
🔄 User Payment Flow
- Customer opens Bluecode app or partner bank app on smartphone
- App generates a one-time 4-minute dynamic optical barcode / QR code
- Cashier scans barcode at checkout counter or customer scans QR online
- Amount is debited directly from customer linked Austrian bank account in real time
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | NO |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- POS scanner captures Bluecode barcode and queries Bluecode clearing server
- Bluecode API validates barcode token against consumer bank authorization
- Instant payment confirmation delivered to merchant POS system
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Adyen