About
Zero Pay is South Korea's account-to-account QR payment scheme for small merchants, launched in Seoul in December 2018 and run by the Korea Easy Payment Foundation. The shopper scans the shop's Zero Pay QR code in a participating bank app or easy-payment app such as Naver Pay or PAYCO, enters the amount, and money moves directly from their bank account to the seller's, bypassing card networks. Small businesses with annual sales under KRW 800 million paid a 0% fee at launch. Foreign wallets including WeChat Pay, UnionPay and PayPay can pay at Zero Pay merchants, which passed 2 million in 2025.
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