4 QR Code Payment Apps offering contactless solutions in Europe

By Gloria Methri

A Quick Response (QR) Code Payment is a form of contactless payment that allows businesses to receive payments from customers without requiring additional hardware. QR codes are two-dimensional barcodes that can be scanned from paper or a screen. The QR code payment sector in Europe has witnessed significant growth and adoption in recent years, revolutionizing the way transactions are conducted.

Key players such as established banks, mobile payment platforms, and dedicated QR code payment providers are vying for market share, each offering unique features and services to attract merchants and consumers across the continent.

As QR code payments continue to gain momentum, let’s look at four payment providers offering QR payments in Europe:

• Bluecode

Bluecode is a mobile payment solution in Germany and Austria that enables users to make cashless payments with their smartphone or smartwatch. Customers can use Bluecode to pay online by scanning a QR code displayed on the screen with the Bluecode app. Every time you make a purchase, a new blue barcode appears. Show the Bluecode to the cashier or scan a QR-Code with your smartphone, and you are done.

• Gini Pay

Gini Pay QR code payments allow users to scan QR codes using their banking app to make payments. The app automatically extracts data and inserts it directly into the transfer mask, saving time. Gini Pay also offers Photo Payment, which uses a mobile camera to make payments. Users can take a picture of a bill, scan a Giro code, or share a digital receipt with their banking app.

• iDEAL

iDEAL QR is a QR code payment method that allows customers to make mobile payments using the iDEAL payment method. One of the popular online payment methods in the Netherlands, iDEAL is integrated with all major Dutch banks. iDEAL QR can be used for mobile payments in physical and online environments, such as e-commerce, invoicing, and donations.

• Monei

MONEI Pay is a mobile app that allows users to generate QR codes for payments on Android devices. QR codes are a secure payment method because they are tokenized and encrypted, so no customer data needs to be stored to take payments. With the MONEI Pay app, you can start generating digital QR codes in seconds on any Android device. All you have to do is enter the payment amount, and it will create a QR code on your smartphone or tablet. Then, the customer can scan to pay with their mobile phone.