Settlix / Qrix

Qrix: a dynamic Raast QR for every order

Qrix by Settlix creates a single-use QR code locked to the exact amount and your order reference. Your customer pays from Easypaisa, JazzCash or any bank app, your system is notified in seconds, and the money settles within an hour.

Get Qrix See the API

Pays from

EasypaisaJazzCashRaast-enabled bank apps

Scan to pay

PKR 5,000

Order #QX-20481

Expires in 04:59

Single use

Illustration only. This code is not scannable.

What Qrix is

Qrix is a dynamic QR code payment service for merchants in Pakistan, built on Raast, the State Bank of Pakistan's instant payment system. Instead of printing one static QR and asking customers to type the amount, Qrix generates a new code for each transaction with the amount and order reference already inside it.

Because Raast QR is interoperable, one Qrix code can be paid from Easypaisa, JazzCash and Raast-enabled banking apps. That matters when a single wallet or aggregator channel goes down: your checkout keeps accepting payments from the same customers through the apps they already have.

Qrix was built by Settlix together with its technology service provider, Deadlock AI, and runs on the same Settlix platform that handles payouts, reconciliation and settlement.

See Qrix in action

Recorded on the live product. On the left, what your customer sees at checkout. On the right, what your team sees in the Qrix portal.

Customer checkout, start to confirmation

The customer picks Raast QR at checkout and a dynamic QR appears with the amount and order code locked in and a countdown to expiry. They scan it with Easypaisa, JazzCash or their bank app, approve with their PIN, and the page switches to "Payment confirmed" on its own.

The Qrix merchant portal

The merchant enters an amount, a description and how long the request stays payable, then generates a QR. It can be shared as an image, PDF, share sheet or Link to Pay, tracked under Transactions, and integrated through API keys and signed webhooks. Customer details and live codes are blurred.

What you get

Amount-locked QR

A unique code per transaction with a fixed amount and reference.

Configurable expiry

From a few minutes at checkout to days or weeks for invoices. After expiry the code stops showing and the link says it's no longer payable.

Signed webhooks

Payment status is pushed to your server the moment the customer approves. Every delivery is signed and retried for about fifteen hours if your server is down.

Auto-reconciliation

Every credit is matched to its order with no manual effort.

Merchant dashboard

Live transactions, reports, exports and a settlement view.

Status and refunds

A transaction inquiry API and refund handling.

Payouts on the same API

Disburse to wallets and bank accounts without a second integration.

Security and monitoring

Encrypted APIs, transaction screening and AML controls.

Settlement within one hour

Collections land in your payout account the same hour.

Bulk and scheduled QR

Create many requests at once, or schedule them ahead, and keep reusable templates in a QR library.

Invoices and clients

Attach requests to saved customers and send invoices with a pay link built in.

Live and test modes

Separate environments and keys, so you can test safely before taking real money.

Link to Pay: collect anywhere

Every Qrix request doubles as a payment link. Share it the way your customer prefers.

Integrate in hours, not weeks

A REST API and sandbox are issued the day you sign. Create a payment, show the QR, and wait for the webhook.

POST /v1/qrix/payments
{
  "amount": 5000,
  "currency": "PKR",
  "order_ref": "QX-20481",
  "expires_in": 300,
  "callback_url": "https://yourstore.pk/webhooks/settlix"
}

→ 201 Created
{
  "payment_id": "pay_...",
  "qr_image": "data:image/png;base64,...",
  "pay_link": "https://...",
  "status": "pending"
}

Example shown for illustration. Field names follow the Qrix developer documentation provided at onboarding.

Hour 0
Sign the agreement and your merchant profile is created.
Hours 1 to 3
API keys issued. Sandbox integration and test transactions.
Hour 4
Production keys activated. Start collecting and paying out.

Static QR vs Qrix dynamic QR

	Static QR or manual transfer	Qrix dynamic QR
Amount	Customer types it	Locked in the code
Order matching	Screenshots and transaction IDs	Automatic by reference
Confirmation	Manual checks	Webhook in seconds
Reuse risk	Code can be reused	Single use with expiry
Settlement	Next day or later	Within one hour

For customers: how to pay a Qrix code

No new app, no sign-up, and no fee from Settlix.

Open Easypaisa, JazzCash or your bank's app and choose scan or Raast QR.
Scan the code on screen, or open the Link to Pay the merchant sent.
Check the amount and merchant name, then approve with your PIN.

Pay-ins

3.00%

Per transaction, for dynamic QR and Link to Pay.

Payouts

1.50%

Per transaction, to wallets and bank accounts.

Settlement

1 hour

To your payout account.

Qrix questions

Is Qrix a Raast QR?

Yes. Qrix generates dynamic Raast QR codes, so any app that can scan Raast QR, including Easypaisa, JazzCash and Raast-enabled banking apps, can pay them.

Do my customers need a Settlix or Qrix app?

No. Customers pay from the wallet or banking app they already use. There is nothing to download and Settlix does not charge customers.

What happens if a customer pays after the QR expires?

An expired code can't be paid. Generate a new request for the order. Expiry time is configurable.

Does Qrix support refunds?

Yes, through the transaction inquiry API and refund handling in the dashboard or API.

Can I use Qrix for payouts too?

Yes. Pay-ins and payouts to wallets and bank accounts run through one Settlix API.

Is Qrix the same as QRIS?

No. Qrix is a Settlix product for Pakistan built on Raast. QRIS is Indonesia's national QR standard and is unrelated.

Get Qrix Read the Raast QR guide