Whether you are grabbing a morning coffee, splitting a bill at a restaurant, or shopping online, QR (Quick Response) code payments have transformed how money changes hands. Fast, contactless, and requiring nothing more than your smartphone, paying via QR code is now a global standard.
The Two Ways QR Code Payments Work
Before diving into the steps, it helps to know that QR code transactions typically flow in one of two directions:
- Customer-Presented (Dynamic Scan): You open your payment app (like Apple Pay, Google Wallet, or a banking app) and display a QR code or barcode on your screen. The cashier scans your code with a terminal or handheld scanner to deduct the funds.
- Merchant-Presented (Static Scan): The store, restaurant, or vendor displays a printed QR code at the register or on your bill. You open your phone’s camera or payment app, scan their code, enter the amount, and authorize the payment.
Step-by-Step Guide: How to Pay Using a QR Code
When facing a merchant-presented static or dynamic QR code, follow this simple workflow:
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