Q1. What is common QR code standard and how can merchants benefit from it?
A1. A common QR code (HKQR) standard would enable merchants, especially small and medium enterprises, to use a single QR code (displayed at POS or printed on bills) to accept payments from different payment service providers, instead of displaying multiple QR codes to their customers. This will provide better user experience and greater convenience to customers and merchants, and facilitate the adoption of QR code payment in Hong Kong.
Q2. How can I combine several QR codes into a single one?
A2. A combined QR code can be generated by the “Hong Kong Common QR Code” mobile app (HKQR Mobile App). This mobile app can be used for combining multiple HKQR-compliant QR codes from several payment service providers into a single combined QR code. The mobile app is available for download from Google Play Store and Apple App Store.
Q3. Can I use common QR code standard for consumer-presented QR code?
A3. The current common QR code standard is for merchant-presented QR codes only.
Q4. Which banks/SVFs support common QR code standard?
A4. You may refer to the payment service provider list in the HKQR Mobile App for details.
Q5. Is it safe to use QR codes? How do I verify if the combined QR code is correct?
A5. Customers should be reminded to verify the payment details, including the payee’s name and the amount, displayed on their mobile app or payment app before confirming a payment. Further, merchants can use a function in the HKQR Mobile App to check whether their combined QR codes may have been replaced or changed unknowingly. Please refer to the user guide in the mobile app for details.
Q6. Can I print out the combined QR code for customers to scan or email the QR code to customers?
A6. While you may print out the combined QR code or email it to your customers for them to scan and pay, please be reminded to provide the QR code through a secure, reliable means to your customers.
Q7. What mobile applications can read the common QR code?
A7. The mobile or payment applications of payment service providers in Hong Kong (including, among others, banks, stored value facility licensees and designated retail payment systems providing merchant-presented QR code payments solutions in Hong Kong) are able to scan a HKQR-compliant QR codes to make payment.
Q8. How do consumers know which payment service providers are supported by my combined QR code?
A8. The combined QR code generated by the HKQR Mobile App will display its supported payment service providers below the QR code.
