Acquiring and accepting non-cash payments is widespread now, and the infrastructure offers more and more new payment methods. So, for example, at the end of summer, purchases can be paid with a mobile phone via a QR barcode. According to news reports, the Bank of Russia plans to introduce a pilot project from 30 August. In this case, two types of QR barcodes will be used – static and dynamic.
The main statistical difference is that this code contains information about the seller s account, and the purchase amount is entered by the buyer himself. For trading with a statistical QR barcode, it is permissible to use a printout of the code on paper or make a label with the code by pasting it at the place of payment acceptance. At the same time, the cash desk participates only in the confirmation of payment acceptance, but not in its execution.
The dynamic QR barcode contains both the merchant s current account and the purchase amount. This code must be shown to the buyer in order for him to read it through the bank application and make a payment.
Statistical barcodes are more convenient for small businesses, because you can simply print the barcode on paper, prompting the buyer to read it and enter the required amount for payment. Larger retailers find it more profitable to use dynamic barcodes, because this payment model takes less time (the buyer just reads the code and that s it), and in enterprises with a large flow of customers, the speed of service is not an unimportant parameter.
What is required from banks and shops to ensure that QR payments are accepted?
As already noted, the statistical QR barcode should not cause complications, therefore, now more questions are turned to the dynamic code. Experts note that a more comfortable transition to this payment acceptance system awaits owners of smart terminals ATOL Sigma, Evotor and other interactive touch CCPs. Checkout data will easily allow the customer to scan the QR barcode from the checkout screen. You can also configure the display of the code on the external display of the customer or display the QR barcode on the screen of the POS terminal for cashless payments. It is also offered to print a dynamic QR barcode on the receipt tape, this is possible by expanding the variation of the payment method in the checkout program. It is worth considering that such solutions will require updating the trading system software.
A more budget-friendly solution for participating in the system of accepting fast payments, which is likely to find application among small businesses, is to display a dynamic QR barcode on the screen of a mobile phone. But in this case, one must understand that a special application and integration with the cash register software will be required.
At the initial stage, credit institutions will have to finalize their mobile applications, with the introduction of the possibility of recognizing a QR barcode. VTB, Alfa-Bank, Tinkoff Bank, Gazprombank, Promsvyazbank, Raiffeisenbank, Rosbank, Sovcombank and others will take part in the pilot project. In the future, the project is planned to be made mandatory for all banks, including the largest – Sberbank.