Mobile & Digital

مدفوعات رمز QR: كيف يعمل الدفع بالمسح

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QR code payment systems worldwide — merchant-presented vs consumer-presented, EMVCo QR standard, and implementations from Alipay to Pix.

  
  

    
  








  
  

    
    
      
      
  1. 
        QR Code Payments: How Scan-to-Pay Works
      
    2. 
      
      
  2. 
        Two Operating Modes
      
    3. 
      
      
  3. 
        EMVCo QR Code Standard
      
    4. 
      
      
  4. 
        Major QR Payment Systems
      
    5. 
      
      
  5. 
        Static vs Dynamic QR Codes
      
    6. 
      
      
  6. 
        Security Measures
      
    7. 
      
      
  7. 
        Implementation for Merchants
      
    8. 
      
    

  









  
  

  
  

    
    

      
QR Code Payments: How Scan-to-Pay Works


QR code payments have become the dominant payment method in many countries, particularly in Asia. Over 2.2 billion people use QR code payments, processing trillions of dollars annually. Understanding the mechanics helps businesses integrate this payment method.


Two Operating Modes


Merchant-Presented (MPM)


The merchant displays a QR code; the customer scans it:


    

  1. Merchant generates a QR code (static or dynamic)
    2. 

  2. Customer opens their payment app and scans the QR code
    3. 

  3. Customer confirms the payment amount
    4. 

  4. Payment is processed through the payment network
    5. 

  5. Both parties receive confirmation
    6. 



Best for: Small merchants, market stalls, fixed payment points.


Consumer-Presented (CPM)


The customer displays a QR code; the merchant scans it:


    

  1. Customer opens their payment app, which generates a QR code
    2. 

  2. Merchant scans the customer's QR code with a POS scanner
    3. 

  3. Merchant enters the payment amount
    4. 

  4. Payment is processed
    5. 

  5. Both parties receive confirmation
    6. 



Best for: Retail checkout, restaurants, transit gates.


EMVCo QR Code Standard


EMVCo (the organization behind chip cards) has standardized QR code payment formats:


    

  • Payload Format Indicator: Identifies the QR as an EMVCo payment code
    • 

  • Merchant Account Information: Payment network and account details
    • 

  • Transaction Amount: Pre-filled or entered at scan time
    • 

  • Country Code: ISO 3166 country
    • 

  • Merchant Name: Display name for customer confirmation
    • 

  • CRC: Error detection checksum
    • 



Major QR Payment Systems






System
Region
Users
Mode






Alipay
China
1.3B+
Both MPM and CPM




WeChat Pay
China
900M+
Both




Pix
Brazil
140M+
Both




UPI (Google Pay, PhonePe)
India
300M+
Both




PayPay
Japan
60M+
Both




GrabPay
SE Asia
30M+
Both




Venmo
US
85M+
CPM






Static vs Dynamic QR Codes


Static: A printed QR code with fixed merchant information. Customer enters the amount. Low cost (just a printed sign), but no automatic amount filling.


Dynamic: A new QR code generated per transaction with the exact amount embedded. Requires a screen or per-transaction printing. More secure and convenient.


Security Measures






Threat
Protection






QR code tampering
Merchants verify their QR code is not overlaid with a fake




Transaction replay
One-time-use dynamic codes expire after use




Man-in-the-middle
End-to-end encryption between customer app and payment network




Phishing QR
Payment apps verify merchant identity before processing






Implementation for Merchants


    

  1. Register with a QR payment provider (bank or fintech)
    2. 

  2. For static MPM: Print the QR code sign for your counter
    3. 

  3. For dynamic MPM: Set up a display (tablet or screen) that generates per-transaction codes
    4. 

  4. For CPM: Configure your POS scanner to read customer payment QR codes
    5. 

  5. Train staff on the payment confirmation workflow
    6. 

  6. Reconcile QR payments in your accounting system
    7.