QR Payments for Tourists

How a restaurant in a tourist area in Chile accepts payments from Brazilian and Argentine visitors via Pix and QRi and receives funds in CLP.

In summary

Business typeRestaurant
LocationValparaiso, Chile
CustomersBrazil and Argentina
Preferred methodsPix (BRL) and QRi (ARS)

Current frictionCustomers want to pay with their local methods

ChallengeAccept Pix and QR payments while receiving funds in CLP

How Koywe solves it

Context

A restaurant in Valparaíso sees a steady flow of tourists. Many prefer to pay with the apps and methods they already use back home.

The core problem: when checkout is complicated, conversion drops and the line backs up.

Challenge

The restaurant relies on cash and card/POS for most transactions.

High card processing fees
Friction every time a tourist asks: "Do you accept Pix?"
Messy reconciliation across cash, cards, and multiple settlement windows

Solution

The restaurant enables in-person QR payments through Koywe.

Generate a QR code from the app
Select the method based on the customer: Pix (Brazil) or QRi (Argentina)
The customer scans and pays with their preferred local method
The customer pays in their own currency. No friction, no confusion

What the business gets

Funds received in CLP directly in Koywe, then decide whether to withdraw, pay suppliers, or convert to stablecoins.

Tourists

Pay with Pix (BRL) / QRi (ARS)

Result

Without changing how the restaurant operates, checkout becomes smoother for tourists and more efficient for the team.

Less checkout friction:

tourists pay with the method they already use.

Less reliance on POS:

the QR is generated from any smartphone.

Cleaner operations:

centralized flow for easy tracking and reconciliation.

Timeline

Before

Card/POS and cash only

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