# How to Send Payments

Stone Wallet allows you to make payments both in everyday real-world settings and directly to other users.

Users can pay merchants using QR codes in supported countries, or send funds to individuals using links or personal QR codes.

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### Pay at Stores with QR Code (Retail Payments)

Stone Wallet supports QR-based payments at merchants in supported regions, allowing users to pay directly at checkout using local QR payment systems, without needing cash or traditional bank apps.

**To pay in-store:**

1. Open the app and tap **Scan**
2. Scan the merchant’s QR code
3. Enter the payment amount
4. Review the details and complete the payment

Once confirmed, the payment is processed and completed at the point of sale.

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### Supported Payment Networks

Stone Wallet supports QR-based payments across multiple countries through local payment networks.

Availability may vary depending on region, merchant type, and integration status.

#### Currently Supported 

Stone Wallet QR payments are currently available in:

| Country     | Supported QR Codes | Unsupported QR Codes                        |
| ----------- | ------------------ | ------------------------------------------- |
| Singapore   | PayNow             | NETS, SGQR (non-PayNow), GrabPay, ShopeePay |
| Thailand    | PromptPay          | TrueMoney, LINE Pay, ShopeePay              |
| Vietnam     | VietQR             | MoMo, ZaloPay, bank QR codes                |
| Philippines | QRPh               | GCash (private QR), Maya, GrabPay           |
| Cambodia    | KHQR               | Wing, TrueMoney, bank QR codes              |
| Laos        | BCEL OnePay        | Bank QR codes, wallet QR codes              |
| Mongolia    | QPay               | Bank QR codes, wallet QR codes              |

In addition, Stone Wallet has integration capability with:

* WeChat Pay
* Alipay HK
* Korea ZeroPay

These integrations may be selectively enabled depending on use case and compliance requirements.

#### Coming Soon 

Stone Wallet is continuously expanding support for additional countries and local QR payment networks.

The following integrations are currently in progress:

**Targeted for March:** 

* Peru
* Bolivia
* Colombia
* Argentina
* Brazil

**Targeted for April:** Indonesia (QRIS)

**Targeted for May:** Malaysia (DuitNow)

**Targeted for June**: 

* South Korea (ZeroPay)
* Japan (PayPay)
* Taiwan (TWQR)

Timelines are indicative and subject to change based on integration and regulatory requirements.

Coverage will continue to expand as new integrations are completed.

***

### Pay Individuals (P2P)

You can also make payments directly to other users located anywhere in the world.

**To send a payment:**

1. Open the app and go to **Transfer** 
2. Paste the recipient’s wallet address, or the email/username tied to their stone wallet account, or scan their QR code
3. Enter or confirm the amount
4. Review and confirm the payment

Funds are transferred directly to the recipient’s wallet.