{"id":3083,"date":"2025-10-14T19:50:55","date_gmt":"2025-10-14T17:50:55","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&p=3083"},"modified":"2026-02-26T13:25:34","modified_gmt":"2026-02-26T12:25:34","slug":"qr-codes-for-payments","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/p2p-payments\/qr-codes-for-payments\/","title":{"rendered":"QR codes for P2P payments"},"content":{"rendered":"\n

What is peer-to-peer payment with a QR code?<\/h2>\n\n\n\n

Peer-to-peer payment with a QR code is a simple way to transfer money without manually entering data. The payer scans a QR code with a smartphone or banking app, after which the payment can be confirmed immediately. The QR code contains all payment details, such as the amount, the recipient’s IBAN<\/u><\/strong><\/a>, and, if necessary, a description, preventing input errors and making the payment process faster and clearer.<\/p>\n\n\n\n

Consumers use QR codes, for example, at a flea market or at the front door when they do not have each other’s contact details.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

How does it work?<\/h3>\n\n\n\n

Most banking and payment apps offer the option to create your own QR code. The user enters the amount, adds a description if desired, and generates a unique code. This code can then be shared via WhatsApp, email, or printed for physical use.<\/p>\n\n\n\n

The recipient of the code scans it with their smartphone camera or banking app, checks the details, and confirms the payment. The payment is then processed via a trusted payment environment, such as iDEAL<\/u><\/strong><\/a>.<\/p>\n\n\n\n

Thanks to instant payments<\/u><\/strong><\/a>, these payments are processed almost immediately. 24 hours a day, 7 days a week<\/strong>. This makes sharing costs or repaying small amounts accessible and efficient, even outside office hours.<\/p>\n\n\n\n

Security and points to consider<\/h3>\n\n\n\n

Although QR codes offer a lot of convenience, vigilance is important. Fraudsters can distribute fake QR codes via emails, websites, or paper invoices. It is therefore essential to always check where the code comes from and what appears on the screen before confirming the payment.<\/p>\n\n\n\n

Preferably, only use QR codes that come from reliable sources, such as your own banking app or a well-known payment app. Preferably, only scan QR codes from specific payment services with the official app of that service or with your bank’s mobile app. A fake generic QR code that pretends to be a QR code from a specific payment service will be rejected by official apps and banking apps.<\/p>\n\n\n\n

The Dutch Payments Association<\/strong> advises users to remain alert to suspicious situations. Check that the amount is correct, that the name of the recipient is recognizable, and that the payment environment feels familiar. If in doubt, it is better not to make the payment and to contact the bank or the recipient.<\/p>\n\n\n\n

\n\n
\n\t\t\n\t\tSkip enclosed content from YouTube\n\t<\/a>\n\t
\n\t\t
\n\t\t\t
\n\t\t\t\t\n\n\n\n\n\t\n\t\t\t\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\n\t\n\t\t\t\n\t\t\tView on YouTube\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t\n\t\t\t\n\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
\n\t\t\t\"\"\n\t\t
\n\t\t