QR Code® Payments with American Express
Provide a simple, convenient digital payment solution
Overview
As payment technology evolves and customers seek new ways to pay, QR Codes are becoming more popular as an alternative solution for Merchants and Issuers to expand their customer’s payment options and use their mobile devices to pay.
American Express offers two QR Code based payment solutions to help Issuers and Acquirers meet the needs of their Cardmembers and Merchants:
American Express Merchant-Presented QR Code: The merchant displays the QR Code in store by form of a decal or through a terminal, and the Cardmembers uses their smartphone to scan the QR Code.
American Express Consumer-Presented QR Code: Cardmembers generate a QR Code from their mobile wallet or banking app and the Merchant scans the QR Code as a form of payment.
*QR Code is a registered trademark of Denso Wave.
Benefits
Simple
- Provides an easy transaction experience
Additional Security
- A more secure alternative to carrying cash or multiple plastic cards
Convenient
- Enables Merchants to accept digital payments and reduces Cardmember’s reliance on cash
How it Works
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CPQR
Step 1 Merchant inputs transaction amount on their terminal to prompt for the QR Code.
Step 2 Card Member generates a QR Code from the Issuer banking app on their smartphone.
Step 3 Merchant scans the QR Code using a reader or scanner.
Step 4 Merchant receives a confirmation that the payment has been received and completes the transaction.
Step 5 The Card Member receives a notification confirming the completion of the payment.
Show more details
Step 1 Merchant displays the QR Code. Card Member will open the Issuer banking app on their smartphone and scan the QR Code using their camera.
Step 2 The Card Member enters the transaction amount and confirms the transaction.
Step 3 Merchant receives a transaction confirmation notification on their mobile app and completes the transaction.
Implementation
Merchant-Presented
Consumer-Presented
Merchant-Presented
Merchant-Presented QR Code solution is relevant in countries where mobile smartphone usage is high and is a cost-effective solution that does not require the infrastructure of a point of sale terminal.
For additional information on how to implement American Express QR Payment Solutions please email qrleads@aexp.com
Consumer-Presented
Consumer-Presented QR Code solution expands digital wallet capabilities and enables the point of sale terminal to accept digital payments beyond contactless.
For additional information on how to implement American Express QR Payment Solutions please email qrleads@aexp.com
Merchant-Presented
Merchant-Presented
Merchant-Presented QR Code solution is relevant in countries where mobile smartphone usage is high and is a cost-effective solution that does not require the infrastructure of a point of sale terminal.
For additional information on how to implement American Express QR Payment Solutions please email qrleads@aexp.com
Consumer-Presented
Consumer-Presented
Consumer-Presented QR Code solution expands digital wallet capabilities and enables the point of sale terminal to accept digital payments beyond contactless.
For additional information on how to implement American Express QR Payment Solutions please email qrleads@aexp.com
