Cross-Border QR Payments for Wallet Issuers & Acquirers

Q: What is the difference between a QR wallet issuer and an acquirer?

A QR wallet issuer provides the payment app to end users and holds their funds or account. A merchant acquirer signs up merchants to accept payments and settles funds to them. OrionX connects the two across borders so an issuer's users can pay an acquirer's merchants in another country.

What We Do

OrionX is a cross-border QR payment platform. We connect QR wallet issuers and merchant acquirers across countries, so travelers can pay with their home-country wallet abroad — without a new app and without hidden currency conversion fees.

Hassle-Free Shopping

A seamless shopping experience, just like at home

Your Payment Method

Your everyday payment method accepted, even when abroad

Seamless Transit

Enjoy seamless transit for stress-free travel

Special Benefits

Unlock special benefits at tourist spots, all on your smart devices

OrionX Ecosystem

Your Usual Payment, Accepted Worldwide, Seamless

Cross-Border
Payment Hub

Restaurants

Retail Stores

Leisure Facilities

Digital Coupon

Temples

Digital Contents

Digital Tipping

General QR Payments

MaaS

OTA

Tourism

Non-Credit Card Sectors

Open Loop

Real Pain Points We Solve

Wallet Issuers Cannot Cross Borders

Popular digital wallets are geographically restricted, forcing travelers to download multiple apps or revert to expensive credit cards when abroad. See how OrionX gives QR wallet issuers cross-border acceptance.

Travelers Don't Know Final Costs

International travelers are charged over $1.7B in hidden currency conversion fees annually, unable to see final costs in their home currency.

Merchants Face Losses on Foreign Cards

Acquirers lost $276M in 2024 processing foreign-issued cards, while merchants miss sales opportunities due to payment friction. Learn how OrionX helps acquirers accept foreign QR wallets.

Payments Isolated from User Journey

Complex train rides, airport taxis requiring local app installation — payments are disconnected from the rest of the traveler experience.

Frequently Asked Questions

How cross-border QR payments work for issuers, acquirers, and travelers.

What is cross-border QR payment?

Cross-border QR payment lets a traveler pay a foreign merchant by scanning a QR code with the same wallet app they use at home. The transaction is routed and settled between the traveler's home wallet issuer and the local merchant's acquirer, so no new app or local bank account is needed.

What is the difference between a QR wallet issuer and an acquirer?

A QR wallet issuer provides the payment app to end users (the travelers) and holds their funds or account. A merchant acquirer signs up merchants to accept payments and settles funds to them. OrionX connects the two across borders so an issuer's users can pay an acquirer's merchants in another country.

How does OrionX help wallet issuers expand overseas?

OrionX gives a wallet issuer cross-border acceptance: its users can pay at overseas merchants without the issuer building local merchant networks in every country. This keeps users inside the issuer's own app while traveling, instead of switching to credit cards or competing apps abroad.

How does OrionX help merchant acquirers and PSPs?

OrionX lets acquirers accept foreign-issued QR wallets, capturing inbound (visitor) spend that would otherwise be lost to payment friction. Acquirers lost an estimated $276M in 2024 processing foreign-issued cards; accepting home-wallet QR reduces that cost and adds new revenue.

Are there hidden currency conversion fees for travelers?

OrionX is designed to show travelers costs in their home currency, addressing the over $1.7B per year that international travelers pay in hidden currency conversion fees when they cannot see final costs before paying.

Which countries and sectors does OrionX cover?

OrionX focuses on Asia and inbound travel corridors, across tourism (restaurants, retail, leisure), non-credit-card sectors (temples, digital content, digital tipping), and open-loop sectors (general QR payments, MaaS transit, and online travel agents).

Glossary

Key terms in cross-border QR payments.

QR wallet issuer: A company that provides a QR / e-wallet app to end users and holds their accounts or funds.
Merchant acquirer: A provider that enrolls merchants to accept payments and settles transaction funds to them.
Interoperability: The ability of a wallet from one country to pay a merchant served by an acquirer in another country.
Open loop: A payment scheme where many issuers and acquirers connect through shared rails, rather than one closed app.
MaaS (Mobility as a Service): Integrated transit and mobility services — trains, taxis, tickets — paid through a single digital flow.
OTA (Online Travel Agent): A platform for booking travel such as flights, hotels, and activities online.

Wallet without Borders