It is convenient, but not always profitable.
Last year, many online stores began to offer customers to pay for goods through a QR code. For the choice of this calculation method, they promised a discount.
Screenshot: Zarina.ru
In 2023, when the Apple Pay and Google Pay services stopped working in Russia, QR codes began to offer in offline logs. We figure out what is the payment method and whether it is worth choosing it.
How to pay for purchases by QR codes
Calculations occur through a system of quick payments (SBP). It allows you to translate up to 100 thousand per month at the phone number or QR code instantly and free. SBP appeared in 2020, and it was thanks to it that it became possible to send money to friends to another bank without a commission. Calculation with sellers, obviously, it is also possible.
This works as follows. The store provides the buyer with the QR code, in which the purchase amount and details of the addressee of the transfer are sewn up. The client needs this code to count. There are several tools with which this can be d1.
1. Through the smartphone camera
Just open the camera, it recognizes the code and offers you to go to the banking application. There is a nuance: if you have several, it may not take what you need. The application will already need to confirm the transaction.
2. Through the application of the bank
Typically, it has an appropriate icon or button that opens the camera already in the banking application. Further, the translation will also need to be confirmed.
3. Through the SBPAI application
You add data not to the card to the application, but the account. The rest of the process is about the same: scan the QR code, confirm the translation.
SBPEI STILL PAYSIC PAYNSPKtsen: Free
Screenshot: Zarina.ru
In 2023, when the Apple Pay and Google Pay services stopped working in Russia, QR codes began to offer in offline logs. We figure out what is the payment method and whether it is worth choosing it.
How to pay for purchases by QR codes
Calculations occur through a system of quick payments (SBP). It allows you to translate up to 100 thousand per month at the phone number or QR code instantly and free. SBP appeared in 2020, and it was thanks to it that it became possible to send money to friends to another bank without a commission. Calculation with sellers, obviously, it is also possible.
This works as follows. The store provides the buyer with the QR code, in which the purchase amount and details of the addressee of the transfer are sewn up. The client needs this code to count. There are several tools with which this can be d1.
1. Through the smartphone camera
Just open the camera, it recognizes the code and offers you to go to the banking application. There is a nuance: if you have several, it may not take what you need. The application will already need to confirm the transaction.
2. Through the application of the bank
Typically, it has an appropriate icon or button that opens the camera already in the banking application. Further, the translation will also need to be confirmed.
3. Through the SBPAI application
You add data not to the card to the application, but the account. The rest of the process is about the same: scan the QR code, confirm the translation.
SBPEI STILL PAYSIC PAYNSPKtsen: Free
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Price: Free
SBPENSPKCEN: Free
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Price: Free
Why are stores interested in payment for QR codes
It happens that in stores at the cash desk they are strongly asked to pay by QR codes. And even discounts sometimes give. It seems why?
The point is in money. When buyers pay with a card, the store gives an average of 1–2.5% of the amount of the acquiring for offline trading, and for online sales – up to 5%. When calculating the QR code, the commission is 0.4-0.7%. Even if the difference between, for example, 1% and 0.4% seems insignificant, with a large sales volume, these will already be amounts with several zeros.
So business payment by QR codes is simply profitable.
What are the pros and cons of payment for QR codes for the buyer
The advantages are obvious: these are discounts, if any, and the opportunity to pay a smartphone, as in the good old days.
The disadvantages are not so striking, although they are enough:
- No cashback and bonuses. For banks, payment for a QR code is not purchased, but transfer. Accordingly, no rewards are supposed to. However, if for the calculation in this way they promise a discount that exceeds the cashback, the situation can be experienced.
- Payment by QR code is longer. It’s not that she occupied the clock, but attach a card or smartphone in any case faster. With inexpensive purchases on the card, even the PIN code does not need to enter. So you go seconds. Although when compared with cash payment, QR codes can win in speed.
- There is a probability of difficulties with a credit card. Most often, banks make pleasant conditions for credit cards for purchases. And for transfers and cash withdrawal, large commissions and increased percentage are introduced. Payment for a QR code is not purchased, with all the ensuing. However, here it is better to clarify information from representatives of the bank.