You pick up your phone, scan a QR code and enter a code. The payment is completed a few seconds later.

You pick up your phone, scan a QR code and enter a code. The payment is completed a few seconds later. That’s how it goes at stores in Antwerp, but it’s no wonder that this does not immediately evoke recognition in you. Belgians use QR code payments regularly, while the Dutch and other countries are not so familiar with it. That is going to change this year, specialists expect.

“It’s cheap, fast and very easy, you do not have to invest in a payment terminal and you only have to check if the customer has sent the payment, which will take no more than one second.”
In China many payments are made via QR codes EPA.

In the Netherlands we already use the QR code on boarding passes, in hospitals, in public transport (such as with bicycles) and in online banking. But for payments in stores we have our debit card. Nowadays, all smartphones can scan QR codes ‘real-time’, so specialists in the Netherlands also see a future for the QR code as a payment method.

Edwin Sanders for example. He is specialist payment service at Rabobank. According to him, the success of the QR code varies per sector. “For the time being it could work fine in places where there is no time pressure on the payments, in the restaurant, or at the gas station, for example, that you get a QR code on the receipt or on the payment terminal and no longer have to go to the checkout. This is already happening in Spain, for example with the Chinese company Alipay. In the Netherlands, for example with Payconiq, I expect the QR code to be introduced slowly. ”


The Netherlands now has a very efficient payment system with bank cards and payment terminals, emphasizes Beugel. “And now we pay off very quickly thanks to contactless payment.” He currently calls that system faster and more efficient than paying with QR codes, but also says that the QR code becomes competition for the payment card.

According to Beugels, more and more use is made of the scannable squares. Hemmo Bosscher from payment platform Adyen agrees with him. He says: “That smartphone is stuck in the palm of many people and everyone has mobile internet nowadays.” QR codes offer a way to go out on the street without a pass, and that card can not be stolen. in.”

The way in which payment is paid varies enormously per country. 2019 will be the year in which the QR code will appear more frequently, says Beugel. “It has taken flight here and there, for example with payment requests with digital banking, in 2018. It is a matter of coffee to see how fast it evolves, but it is becoming a payment method that is going to be used more and more often.”