QR code standard

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QR code standard

The standardisation of the Quick Response Code (QR Code) for retail payments in Hong Kong (HKQR) is to facilitate the acceptance of electronic payments by both domestic and international payments scheme, e-wallets and banks in a single QR code.

 

QR code standard

The Common QR Code Specification for Retail Payments in Hong Kong – Merchant-Presented Mode was finalised in December 2017.

Click here for more details on the Specification.

A mobile app for combining QR codes

Merchants may download an app, namely “Hong Kong Common QR Code”, to combine several QR codes into a single one.  Please contact your bank or SVF to obtain a QR code in compliance with the HKQR standard before using the app.

 

Visit Apple App Store or Google Play Store to download the mobile app

  

Use cases of QR code payment

Buyer-to-large retailer transactions

 

  1. Customer picks up items worth HKD500 at a supermarket and goes to the cashier for checkout
  2. The cashier scans each item and generates a bill of HKD500. He generates a unique QR Code on a screen near the ports
  3. Customer opens the payments app on her smartphone, scans the QR Code, checks the details and authorises the payment
  4. The cashier gets a notification that the payment has been made and prints the sale receipt

Buyer-to-small business transactions

 

  1. Customer picks up items worth HKD10 at a small store
  2. The cashier requests her to make a payment and points at a printed QR Code near the POS
  3. Customer opens the payments app, scans the QR Code, enters the amount, check the details and authorises the payment
  4. The cashier gets confirmation via SMS

Note that in this case, the buyer enters the amount and the merchant has a permanent QR Code. This QR Code helps the buyer app to identify the merchant account.

 

Peer-to-peer transactions

 

This applies when an individual needs to pay another. For example, friends, family members, or self-employed professionals. This is how it works:

  1. Customer got some plumbing work done and she now owes him HKD800
  2. The plumber opens the payments app and generates a QR Code worth HKD800
  3. Customer opens her payments app and scans this QR Code on the plumber’s phone, check the details and authorises the transfer
  4. The transfer is complete and both customer and plumber receive an SMS confirmation