QR payments in Uruguay
Pay Toke QR codes in Uruguay with USDT
Scan any Toke code and pay from your stablecoin wallet. A local payer settles the bill in Uruguayan pesos, and the merchant sees a normal Toke payment — no Uruguayan bank account, card or cash.
TokeUruguayPalacio Legislativo, Montevideo. Photo: GameOfLight, CC BY-SA 3.0, via Wikimedia Commons
- QR network
- Toke
- Operated by
- Urutec, under the supervision of Banco Central del Uruguay
- Merchant receives
- Uruguayan peso (UYU)
- You pay with
- USDT on Polygon
How it works
How to pay a Toke QR code in Uruguay
- 01
Scan the Toke code
Open QRiks in your phone's browser and scan the merchant's QR. The amount in UYU comes from the code or you type it in.
- 02
Check the quote
See the amount in Uruguayan pesos and your USDT total, with the rate, fee and network cost listed.
- 03
A payer in Uruguay pays it
A vetted local payer pays the code from their Uruguayan account through Toke. Your USDT waits in escrow.
- 04
Confirmed, then settled
An independent validator in Uruguay confirms the merchant was paid in Uruguayan pesos. Then the escrow is released.
The network
About Toke
In Uruguay, QR codes are paid through Toke, operated by Urutec, under the supervision of Banco Central del Uruguay. Toke pays interoperable QR codes straight from a bank account, and the merchant receives the money in real time.
You will see Toke codes at shops, cafés, restaurants and supermarkets. With QRiks every one of them can be paid with USDT, and the merchant receives Uruguayan pesos as usual.
Can I pay Toke QR codes without a Uruguayan bank account?
Yes. With QRiks you scan the Toke code and pay with USDT. A vetted payer in Uruguay pays the merchant from their own Uruguayan account, so you don't need a local bank account, card or phone number.
What does the merchant in Uruguay receive?
The merchant receives Uruguayan pesos (UYU) through Toke, exactly like a payment from a local customer. They don't need to know about QRiks or accept crypto.
What do I pay with?
USDT on Polygon from your QRiks wallet. The quote shows the exchange rate, our fee and the network cost before you confirm.
Who runs Toke?
Toke is operated by Urutec, under the supervision of Banco Central del Uruguay.
What if the payment doesn't go through?
Your USDT stays in escrow until an independent validator in Uruguay confirms that the merchant was paid. If the merchant wasn't paid, your USDT is returned.
Where can I pay with Toke in Uruguay?
Anywhere a Toke QR code is displayed: shops, cafés, restaurants and supermarkets.
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