The merchants sign up with a QR code provider. MoneyBadger currently works with two of those providers by adding LN rails: Scan to Pay, and Zapper. (That is in addition to stores/chains that integrate in a more direct way like Pick 'n Pay, or Bootlegger.)

Those QR code providers play an important role in providing merchants a payment option which is open to the large number of unbanked South Africans. One of the key ones is the ability to spend mobile phone credits (called "air time") for goods. The phone credits can be bought with cash. That bridges the gap for the unbanked.