QR Code Payment

QR code payments come in two varieties: "store scan" and "user scan." In the store scan method, the store's terminal reads a barcode or QR code displayed on the user's smartphone - this is the dominant method at convenience stores and major chain retailers. In the user scan method, the user scans a QR code posted at the store with their own smartphone and enters the payment amount - this is widely adopted by independent shops and food stalls.

The funding source varies by service. The three common patterns are instant debit from a bank account, deferred payment via a linked credit card, and payment from a pre-charged balance. PayPay supports both bank account top-ups and credit card linking, allowing users to switch between them depending on the situation.

The biggest advantage of QR code payments is the convenience of completing transactions with just a smartphone. There is no need to carry a wallet, and payment history is automatically recorded in the app, making it useful for household budgeting. By taking advantage of point cashback campaigns offered by each service, you can often save more than paying with cash.

On the security side, caution is warranted. There is a risk of unauthorized use if your smartphone is lost or stolen, so you should always enable device lock settings and biometric authentication in the app. Scams involving fake QR codes pasted over legitimate ones to intercept payments have also been reported. When paying via the user scan method, make it a habit to verify that the QR code is genuine.