How Merchants Can Do QR Code Payments Right
Blog post from Basis Theory
QR codes, originally created by Denso Wave in 1994 to identify automotive parts, have become a widely used commerce tool because they let consumers reach payment pages, menus, offers, and other online destinations by scanning an image rather than typing a URL. In payment settings, merchants can use static codes for recurring purposes such as tips or dynamic codes tied to individual transactions, with customers scanning the code, selecting a payment method, authorizing the transaction, and receiving settlement through a payment service provider or merchant-hosted page. Services such as Venmo, PayPal, Stripe, Square, and similar platforms have expanded access to QR payments, though their fees, account requirements, and single-provider limitations may affect merchant margins and customer choice. More flexible merchant-hosted systems can tailor available payment options based on factors such as location, route transactions among processors to manage costs and approval rates, and use programmable payment vaults to securely handle customer data. Because QR codes can direct users to dynamic web pages that may gather device, browser, location, and cookie-related information, effective implementations also require attention to tokenization, PCI compliance, security, and ongoing performance monitoring.
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