{"id":3052,"date":"2025-10-14T15:28:49","date_gmt":"2025-10-14T13:28:49","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3052"},"modified":"2026-02-26T13:23:12","modified_gmt":"2026-02-26T12:23:12","slug":"qr-codes","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/qr-codes\/","title":{"rendered":"QR codes"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Be careful when paying with QR codes!<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Only<\/strong> scan if you know who the sender is; be extra alert with codes in public spaces (on parking meters or charging stations), on <strong>paper invoices<\/strong>, and in <strong>emails<\/strong>.<\/li>\n\n\n\n<li><strong>Logos offer no guarantee<\/strong>; anyone can put any logo in any QR code.<\/li>\n\n\n\n<li><strong>First<\/strong> scan a QR code with the logo of a bank or payment service using the <strong>official app<\/strong> of that bank or payment service; it can usually recognize and block fake codes.<\/li>\n\n\n\n<li>After scanning for a payment, always check: the web address or app you are redirected to, the amount, the recipient&#8217;s details, and the description.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-qr-codes-for-payment\">Types of QR codes for payment<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1) Generic QR code (with web address)<\/h3>\n\n\n\n<p>A generic QR code can redirect you to the payment page of an online store or to the online store&#8217;s app. There you can see <strong>what<\/strong> and <strong>how much<\/strong> you are paying and choose your payment method (e.g., iDEAL, payment card, or PayPal).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/qr-code-180x180-1.png\" alt=\"\" class=\"wp-image-3175\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/qr-code-180x180-1.png 180w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/qr-code-180x180-1-150x150.png 150w\" sizes=\"auto, (max-width: 180px) 100vw, 180px\" \/><\/figure>\n\n\n\n<p><strong><strong>Scanning<\/strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With a <strong>generic QR app<\/strong> or directly with your smartphone&#8217;s <strong>camera<\/strong>; a web address will appear on the screen that you can click on.<\/li>\n<\/ul>\n\n\n\n<p><strong>Safe use<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check the <strong>web address<\/strong> and verify the <strong>order and amount<\/strong>; you can also check the QR code with the <a href=\"https:\/\/www.checkjelinkje.nl\/app\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>CheckJeLinkje app<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/li>\n\n\n\n<li>Beware of fake websites that resemble those of your <strong>bank<\/strong> or a <strong>well-known organization<\/strong> and ask for your bank&#8217;s access codes.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-qr-code-from-a-mobile-payment-service-such-as-ideal-a-bank-paypal-or-tikkie\">2) QR code from a mobile payment service (such as iDEAL, a bank, PayPal, or Tikkie)<\/h3>\n\n\n\n<p>These QR codes have a recognizable logo from the bank or payment service. The official app of the payment service can usually recognize and block fake codes.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"375\" height=\"375\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/QR-code_testbetaling.png\" alt=\"\" class=\"wp-image-2155\" style=\"width:167px;height:auto\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/QR-code_testbetaling.png 375w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/QR-code_testbetaling-300x300.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/QR-code_testbetaling-150x150.png 150w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/figure>\n\n\n\n<p><strong>Use<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Business: on <strong>payment pages, invoices, cash register screens, and in emails<\/strong>.<\/li>\n\n\n\n<li>Private: for <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/p2p-payments\/\" type=\"btv_wiki\" id=\"9\"><strong><u>peer-to-peer payments<\/u><\/strong><\/a> (show the QR code on your phone; the other person scans and pays).<\/li>\n<\/ul>\n\n\n\n<p><strong>Scanning<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Preferably with the <strong>official app<\/strong> of the <strong>relevant bank or payment service<\/strong>.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/ideal-wero\/\" type=\"btv_wiki\" id=\"3051\"><strong><u>iDEAL<\/u> QR<\/strong><\/a> can be scanned securely with your <strong>banking app<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Safe use<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Scan with the <strong>official app<\/strong> of the payment service or with your <strong>banking app<\/strong> (for iDEAL QR).<\/li>\n\n\n\n<li>The official app of the payment service or bank recognizes and blocks fake codes.<\/li>\n\n\n\n<li>Always check: <strong>amount<\/strong>, <strong>recipient<\/strong>, and <strong>description<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-qr-code-for-a-european-transfer\">3) QR code for a European transfer<\/h3>\n\n\n\n<p>The <strong>European Payments Council (EPC)<\/strong> defined an (outdated) standard for including <strong>amount, <\/strong><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/ibans\/\" type=\"btv_wiki\" id=\"3087\"><strong><u>IBAN<\/u><\/strong><\/a><strong>, recipient&#8217;s name<\/strong>, and <strong>description<\/strong> in a QR code.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"181\" height=\"180\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/EPC-QR-181x180-1.png\" alt=\"\" class=\"wp-image-3176\" style=\"width:168px;height:auto\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/EPC-QR-181x180-1.png 181w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/EPC-QR-181x180-1-150x150.png 150w\" sizes=\"auto, (max-width: 181px) 100vw, 181px\" \/><\/figure>\n\n\n\n<p><strong>Scanning<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With the <strong>banking app<\/strong> of some Dutch banks; the transfer is prepared in the banking app and you must <strong>approve<\/strong> it.<\/li>\n\n\n\n<li>With a generic QR scanner, you often only see <strong>plain text<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Safe use<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check <strong>all payment details<\/strong> before approval. <strong>Do you have to pay? Is the amount correct? Are the IBAN and the name of the recipient correct?<\/strong><\/li>\n\n\n\n<li>Anyone can generate a valid EPC QR code online, including fraudsters. So check it just as critically as you would an <strong>invoice, email, or WhatsApp<\/strong> message with a request-to-pay.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-qr-code-for-internet-banking-bank-specific\">4) QR code for internet banking (bank-specific)<\/h3>\n\n\n\n<p>When internet banking on a desktop or laptop, banks sometimes display their own QR code. You scan it with the <strong>banking app<\/strong> on your smartphone and then approve the transaction.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"167\" height=\"167\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Bank-QR.png\" alt=\"\" class=\"wp-image-3177\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Bank-QR.png 167w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Bank-QR-150x150.png 150w\" sizes=\"auto, (max-width: 167px) 100vw, 167px\" \/><\/figure>\n\n\n\n<p><strong>Scanning<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Only<\/strong> with the <strong>official app of your bank<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Safe use<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Only scan this QR code on a <strong>web page of your own bank<\/strong>; check the <strong>web address<\/strong>.<\/li>\n\n\n\n<li><strong>Only<\/strong> scan the code with your bank&#8217;s <strong>banking app<\/strong>.<\/li>\n\n\n\n<li><strong>Read carefully<\/strong> what your banking app asks you to do <strong>after scanning<\/strong> this QR code; <strong>is it correct?<\/strong><\/li>\n\n\n\n<li><strong>Never<\/strong> scan a QR code from someone who <strong>owes you money<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Summary: safe scanning in 5 checks<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Know <strong>who<\/strong> the QR code is from.<\/li>\n\n\n\n<li>Use the <strong>official app<\/strong> (from your bank or payment service) where possible.<\/li>\n\n\n\n<li>Check the <strong>web address<\/strong> after scanning a <strong>generic QR code<\/strong>.<\/li>\n\n\n\n<li>When making a payment, always check the <strong>amount<\/strong>, <strong>recipient<\/strong>, and <strong>description<\/strong>.<\/li>\n\n\n\n<li>If in doubt, stop and contact the sender or your bank.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_youtube\" data-type=\"video\" data-cookiebot=\"1\" data-disable-notice=\"\">\n\t\t<a\n\t\thref=\"#embed-skip-69de3c6d99fbb\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-neutral-50 hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tSkip enclosed content from YouTube\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-neutral-200\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-69de3c6d99fb9\">This content is available after accepting the marketing cookies.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"secondary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-amber-400 rounded-full bg-amber-400 text-neutral-900 underline-fade-in hocus:bg-transparent hocus:border-indigo-600 hocus:text-indigo-600 js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-69de3c6d99fb9\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tChange cookie settings\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.youtube.com&#x2F;watch&#x3F;v&#x3D;Rzhax8QdZzY\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView on YouTube\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<div data-component=\"oembed-video\" data-oembed=\"video\" class=\"cursor-pointer aspect-video\">\n\t\t\t<img decoding=\"async\" data-oembed=\"thumbnail\" class=\"absolute object-cover w-full h-full\" src=\"https:\/\/i.ytimg.com\/vi\/Rzhax8QdZzY\/maxresdefault.jpg\" alt=\"\" loading=\"lazy\">\n\t\t<div class=\"w-full h-full iframe:absolute iframe:inset-0 iframe:w-full iframe:h-full\">\n\t\t<iframe loading=\"lazy\" title=\"Ontdek wat je kunt doen met QR-codes - Geldland #21\" width=\"500\" height=\"281\" data-src=\"https:\/\/www.youtube.com\/embed\/Rzhax8QdZzY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; 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You can scan them with a smartphone, using various apps or directly with the camera in the device. QR codes usually contain a web address (which opens in your mobile web browser after scanning) but can also contain payment details, contact and location details, access cards, and product codes.<\/p>\n","protected":false},"featured_media":1791,"parent":19,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[17],"class_list":["post-3052","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-online-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>QR codes - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"QR codes for payments: types, common fraud risks and essential safety checks before scanning and paying online or in store.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/qr-codes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"QR codes\" \/>\n<meta property=\"og:description\" content=\"QR codes for payments: types, common fraud risks and essential safety checks before scanning and paying online or in store.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/qr-codes\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T12:23:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2024\/09\/Geldland-blog-Veilig-betalen-met-QR-codes-610x343-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"343\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/qr-codes\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/qr-codes\/\",\"name\":\"QR codes - 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