In the past, maybe the wallet became one of the items that should not be missed when traveling. You see, without a wallet, you will find it difficult to make transactions. But nowadays, the wallet is not the most crucial thing. Because when your wallet is left behind, you can still make payments via a QR code from a digital wallet on your cellphone.

 

What is QR code payment?

 

Like barcodes, QR codes have a pattern consisting of dark and light colored dots in a space, including digital surfaces such as cell phone screens. However, unlike barcodes, QR Codes can store more volume of data. To make payments via QR Code, then we can scan (scan) the code. There are two types of QR codes that are commonly used for transactions, namely:

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a. QR Static

 

As the name implies, static QR codes are permanent and linked to a business’s payment system. Therefore, if there is a system change, the static QR must be replaced. Usually, this static QR code is affixed as a sticker or installed via a tent card at the merchant cashier.

 

b. Dynamic QR

 

Unlike the case with static QR, dynamic QR is always changing. This is because a new dynamic QR will always be printed every time there is a transaction.

 

QR Payment increases cashless transactions

 

The ease and convenience of transacting with QR Payment has been felt by its users. Moreover, this payment method is not only present in large-scale businesses. Small and medium business owners have started to switch digitally through the provision of QR payment facilities. Meanwhile, as reported by finansial.bisnis.com, the number of transactions using QR will increase sharply to 331 percent in 2021. Meanwhile, it is estimated that the number of users of this payment method has reached 12 million.

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Payment from Merchant or Customer QR Code

 

Besides being categorized based on static and dynamic, QR codes used to make payments can also be distinguished from codes printed by business owners and codes printed from customers’ cellphones. Well, usually, if the QR code becomes the payment standard, then the business owner will print the QR code. Meanwhile, if the QR code used comes from the customer’s cellphone, the customer needs to open the payment application they are using and show the QR code which will then be scanned from the merchant’s payment machine.

 

Alternative options for online transactions

 

Besides being used for face-to-face transactions, QR payment options are also widely applied to online shopping transactions. You see, QR payments can be an alternative for customers who want to shop online, but don’t have access to online card payments. The payment process using QR online is also quite practical because business owners simply send the QR code to the customer, then the customer can scan and make payments.

 

Accept payments from e-wallet and m-banking customers

 

In the digital era, there are various e-wallet and m-banking applications that provide QR payment facilities. So, do you as a business owner have to provide all these payment systems? Of course not! Through the Cashlez App, you can simply upgrade the NOBU QRIS feature to accept various types of QR payments from customers. QRIS is a QR code standard that has been integrated by Bank Indonesia and the Indonesian Payment System Association.

 

Payments using QR codes are an alternative digital payment option that is practical, easy, and safe. Simply through a mobile phone, your customers can directly make transactions. Moreover, the evidence has also been recorded automatically so that you and your customers can check each other’s cash flow. So, if you are yourself, have you provided this one payment method?

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