Today, many technological solutions that define our everyday life, our daily lives, are based on interaction with mobile devices. Ponder these words yourself.
Previously, when we didn’t have the most fashionable smartphones at hand, we couldn’t even know what it was like to pay with a mobile phone. We also did not think about how you can go online, read books, watch movies on a device that will be nearby 24/7, but this is not the most surprising. The ability to transfer money without using cash and without resorting to your credit card is a real “miracle”. And if some 5-10 years ago we could not even imagine such a thing, today it is an ordinary reality.
In this article we will talk about a service that has implemented a similar technology in real life. With it, all our calculations will become easier, faster, and most importantly - safer than before! What is it about?
Meet: a relatively new solution in the market - PayQR payment infrastructure. Reviews about how this technology works, as well as its pros and cons, we will consider in this article.
About company
We start with the characteristics of the company involved in this project. This, if you believe the official information from extraneous sites, LLC “FIT”. It is this legal entity that owns the rights to use the trademark designating PayQR technology. Reviews of the product that we studied during the writing of this material showed that this is the first such service in our country. In addition to such a feature as sheer innovation, it also has a host of other advantages. We will talk about them a little later.
As for the company, I would also like to note its relative novelty: it has been operating only since 2013. Nevertheless, in such a short period of time, it gained a fairly high level of popularity in our country. Due to what? Find out further!
Technology
In fact, the explanation lies in the technology and the solutions on which the service is based. To be more precise, the cloud-based payment infrastructure is used here, which makes it possible to make settlements using your smartphone without additional difficulties. All that is necessary for this is for every user: a mobile device, an Internet connection, as well as the medium from which readings will be made. All of these elements today can be called absolutely affordable, which makes the technology as simple as possible!
Prospects
At the same time, the opportunities that this service has are simply hard to imagine. First of all, this is maximum comfort. You do not need to carry cash, tinker with a card and various payment terminals, extending the purchase period. It is enough to simply scan the barcode printed on the surface of the paper or product, after which the program itself will recognize how much money needs to be debited from the account and transferred to the seller.
Services
PayQR payment can be applied anywhere. First of all, of course, ordinary shops and supermarkets come to mind, where the buyer can process the invoice issued to him in a matter of seconds and go about his business. The second application is online payment, when the client simply sees a QR image on the monitor screen, brings the device and sends the funds without having to manually “drive” the details.
Further we can imagine how, for example, the sphere of charity will change greatly. How difficult it is to indicate settlement accounts and bank card numbers to which money should be sent to help those in need. By placing one QR code on the page of a website, newspaper, on a banner in the subway, you can count on a greater number of responses from passers-by, because to help them, it will only be necessary to bring up the camera of their device! A simplified procedure ensures that there are more people who want to help, share at least the minimum amount. All this and much more is available in Russia thanks to the technology introduced by PayQR, reviews of which we will consider in the following chapters.
Security
We have already started talking about the advantages that the service described in the article gives. However, there are many more: in addition to simplicity, ease and high speed of payment, you can also bring security. Regarding this, it should be noted that in this regard, everything is much better than it might seem at first glance.
Firstly, the application makes it possible to avoid manually entering data, which eliminates the presence of the so-called human factor, leading to an error and sending money in an unknown direction.
Secondly, the QR code helps to avoid transferring your card to the seller, which can also protect against unauthorized deductions in the future. At the same time, all data transmitted by the application is securely encrypted, thereby eliminating any possibility of theft of your personal statements or money from the card. In confirmation of this, the site where the PayQR application is presented has various security certificates that can be found.
Benefit
In order to somehow encourage their customers and stimulate them to work with the application, the authors of the project offer a point system. So, on the official website of the service it is indicated that from each purchase the participant receives 5 percent, which turns into special bonuses valid in PayQR. In the future, with their help, you can make new purchases, as well as make gifts to your friends and relatives.
In addition, working with this platform involves the ability to receive news about exclusive promotions and special offers. Where the biggest discounts are valid, where the product is given as a gift, and where you can save even more, you will find in the PayQR system interface. Reviews say that now you can really save even more. Thus, the positive impact of technology personally on your family budget will be even more noticeable!
Reviews
In order to better understand what this service is, we will analyze the reviews and recommendations that customers have left about it. We managed to find such relatively few, which indicates a small number of real people who took advantage of the project.
Judging by the comments, we can draw a couple of main conclusions. The first is that the service has a future, has a lot of advantages and brings real benefits. Bonuses from PayQR, a gift code for the next purchases, promotions and discounts - all this creates a very positive impression and really stimulates to pay using the program in the future.
The second nuance is rather a negative connotation: it is a low prevalence. In fact, today PayQR payment is not accepted in every store. Entrepreneurs who just need to print checks on simple printers ignore this method of settlements. Because of this, in practice there are not many opportunities to use the described program.
conclusions
Be that as it may, the PayQR service is an interesting solution that has a right to exist. It is possible that in a few years, users will appreciate its advantages and draw appropriate conclusions, make a choice in favor of this method of calculation. However, at this stage the solution is not in sufficient demand, although many publications have written about this platform. Well, let's see when this trend will change for the better.