How to Easily Create Payment QR Codes
In today’s fast-paced digital transformation era, payment QR codes have become a quick, convenient, and secure transaction method—widely adopted across industries including retail, services, and e-commerce. With just one simple scan via a smartphone, users can instantly complete payments without the need for cash or bank cards.
So, what exactly is a payment QR code? What types are there, how can you create one, and what should you keep in mind to use them effectively? In this article, iCheckQR will walk you through everything—from the concept and real-world uses to step-by-step QR code creation using tools like iCheckQR, and essential security considerations for both businesses and individuals.
1. What Is a Payment QR Code?
Definition
A QR code (Quick Response code) is a two-dimensional barcode capable of storing various types of data—including payment information such as a bank account number, account holder name, or the transaction amount. During a transaction, users simply open their banking or e-wallet app, scan the QR code, and confirm the payment—no manual entry of recipient details required.
Benefits of QR Code Payments
Fast and convenient: A single scan completes the transaction in seconds without entering account numbers, saving time and reducing errors.
High security and privacy: No need to share sensitive card or banking details. Many QR codes follow international security standards (e.g., EMVCo) for encrypted transactions.
Contactless: Especially important in health-sensitive environments, QR codes eliminate the need for touching cash or payment terminals.
Versatile for any business model: Whether it’s retail, dining, e-commerce, or billing—QR codes can be seamlessly integrated into existing systems without expensive hardware.
2. Common Types of Payment QR Codes
Each type of QR code offers unique advantages and use cases, catering to different business needs and scales. Static QR codes are simple and easy to implement, making them ideal for small retail stores. In contrast, dynamic QR codes provide flexibility and enhanced security, making them well-suited for businesses that require detailed transaction management.
3. Methods to Create Payment QR Codes
Creating a Payment QR Code Using E-Wallets (MoMo, ZaloPay, ShopeePay)
Step 1: Open your e-wallet app and log in to your account.
Step 2: On the homepage:
MoMo: Tap “Receive Money” from the main screen.
ZaloPay: Tap “All” to view available services.
ShopeePay: Tap the “ShopeePay” section on the homepage.
Step 3: Enter the amount (if needed) and generate your QR code.
Tap “Add Amount” if you want to specify a fixed amount.
Scroll to the “Transfer – Receive Money” section and select “Receive Money.”
Tap “Receive Money” again to display your personal QR code.
Step 4: Save and share your QR code.
The QR code will be generated; you can save or share it with the payer.
Tap “Save QR” to download it to your phone.
You can use this code to receive money without adding friends on ZaloPay.
Share or display the QR code to receive payments from others.
Note: MoMo Business offers static QR code solutions for stores, enabling quick and easy payment collection.
Creating a Payment QR Code Using Bank Apps (Vietcombank, BIDV, Techcombank, etc.)
Step 1: Open your bank’s mobile app and log in to your account.
Step 2: On the home screen:
Vietcombank: Tap the QR code icon at the bottom of the screen.
BIDV: Tap “Scan QR.”
Techcombank: Tap “Scan QR Code.”
Step 3:
Vietcombank: Tap “Create QR Code” and enter the required details (account number, amount, message if any).
BIDV: Tap “Create QR” and input the necessary information.
Techcombank: Select “Share Personal QR Code” to display a QR containing the account number and account holder’s name.
Step 4:
Vietcombank: The QR code will be displayed; you can save or share it to receive payments.
BIDV: The code will appear; you may save or share it.
Techcombank: Save or share the personal QR code to collect payments.
Creating a Payment QR Code Using External Tools
VNPay Merchant
Step 1: Download and install the VNPay Merchant app on your mobile device.
Step 2: Log in to your VNPay Merchant account.
Step 3: Select “Create QR Code” and enter your payment details, such as account number, amount, and transaction description.
Step 4: The QR code will be generated—you can save or share it to receive payments.
iCheckQR
Step 1: Visit the official website: https://icheckqr.com. From the top menu, go to “Solutions” → “QR Code Generator.”
Step 2: Choose the type of QR code you want to create (e.g., Payment, URL, etc.).
Step 3: Enter the required details such as the payment link, account number, and transaction description.
Step 4: Customize the QR code design (optional), then click “Generate QR Code” to create it.
Step 5: Download the QR code to your device or share it to receive payments.
QRCode Monkey
Step 1: Go to the website: QRCode Monkey.
Step 2: Select the QR code type you want to create (e.g., URL, Text, Email, etc.).
Step 3: Fill in the necessary information such as the payment link, account number, and transaction details.
Step 4: Customize the design (if desired), then click “Create QR Code” to generate it.
Step 5: Download the QR code to your device or share it to receive payments.
4. Key Considerations When Creating Payment QR Codes
While creating a payment QR code is relatively simple, ensuring security, efficiency, and optimal user experience requires attention to several key points:
Verify All Information Before Sharing the QR Code
Why it matters: Payment QR codes often contain fixed data such as bank account numbers, transaction descriptions, and payment amounts. Any errors may result in misdirected payments or confusion.
Best practice: Before saving or sharing the QR code, test scan it with your own phone to confirm key details:
Recipient name
Account number
Amount
Transaction message
Use Dynamic QR Codes for Professional Transactions
Why choose dynamic QR codes:
Editable content: Update the amount or message per transaction.
Trackability: Monitor and manage payment history.
Enhanced security: These codes often expire after a set time, reducing misuse risks.
Recommended for: Businesses and retail stores should prioritize dynamic QR codes over static ones to improve professionalism and customer safety.
Test QR Code Compatibility Across Multiple Devices
Risk: Some QR codes may not scan well on older phones, low-resolution cameras, or POS terminals.
Best practice: Test your QR code on a variety of devices (iPhone, Android, POS systems, budget phones) to ensure:
Clear visibility and readability
No distortion when printed in various sizes
Reasonable data density to avoid over-complication
Protect QR Codes That Contain Sensitive Information
Risk: QR codes with personal or financial details (e.g., fixed account numbers, amounts, or private notes) can be exploited if shared publicly.
Best practice:
Only share QR codes with intended payers.
Avoid posting fixed-payment QR codes on unsecured platforms like public websites or social media.
If public sharing is necessary, use dynamic QR codes with expiration times or scan limits.
5. Common QR Code Issues and Fixes
Below is a detailed summary table of common issues and how to fix them:
Additional Notes:
Avoid excessive image compression when uploading or printing QR codes, as low-quality images can interfere with recognition algorithms.
Do not overlay large icons or logos on key QR code areas. If needed, place a small logo at the center, covering no more than 20% of the QR code area.
Regularly test your QR codes before official use to ensure functionality across devices and print formats.
6. Real-Life Applications of Payment QR Codes
Payment QR codes are no longer just a fast transaction tool—they’ve become an essential part of modern business models. Below are some of the most common real-world applications:
In-Store Checkout Counters
Description:
Retail stores, supermarkets, restaurants, cafés, spas, and similar businesses display QR codes at the cashier counter.
Customers simply scan the code using their banking app or e-wallet to complete payment—no cash or card required.
Advantages:
Speeds up the payment process
Reduces the need to invest in POS devices
Real-world examples: Circle K, Highlands Coffee, VinMart+
Online Shops (Embed QR on Websites, Chats, Social Media)
Description:
Online sellers on platforms like Facebook, Instagram, Shopee, or their own websites can embed payment QR codes directly into posts, chat conversations, or checkout pages.
Customers simply scan the code to pay, without manually entering bank account information.
Advantages:
Increases conversion rates
Minimizes errors during bank transfers
Real-world examples: Handmade product shops on Instagram, private tutoring services, and online snack sellers
Events and Fairs (Ticketing & Donations)
Description: Event organizers—such as those running exhibitions, concerts, or trade fairs—use QR codes for ticket sales, collecting donations, or selling merchandise.
Advantages:
Fast transactions without the need for cash handling
Easy tracking and reconciliation of payments
Real-world examples: The Coffee Expo Vietnam, National Startup Day, and charity events
Service Invoices: Restaurants, Hotels, Delivery Services
Description: Invoices from restaurants, hotels, and logistics companies often include a QR code that allows customers to make payments directly at the table or before leaving the premises.
Advantages:
Speeds up the checkout process
Minimizes physical contact—especially valuable during health-sensitive periods
Real-world examples: Maison Marou Restaurant, Fusion Suites Hotel, Ahamove Delivery Service
7. FAQ – Frequently Asked Questions
Do payment QR codes expire?
Static QR codes (with fixed information such as account numbers) typically do not expire and can be used long-term, as long as the linked data remains valid.
Dynamic QR codes, which are generated for specific transactions, may have a short lifespan—often just a few minutes to a few hours—to ensure the security and accuracy of the transaction.
Can I edit the content of a QR code after it’s created?
Static QR codes cannot be edited after creation. If any information changes, you must generate a new code.
Dynamic QR codes can be updated, allowing changes to the link or displayed content without creating a new code. This is possible because the data is stored on a server and can be modified in real time.
Are payment QR codes secure?
Yes—payment QR codes are designed to be secure. However, users should still practice caution:
Only scan codes from trusted sources to avoid malware or scams.
Do not share personal QR codes that contain sensitive information on public platforms.
Always use official banking apps or e-wallets to scan and complete payments to ensure authenticity and security.
Conclusion
Payment QR codes are more than just a trend—they are gradually transforming the way we transact in today’s digital world: faster, safer, and more convenient.
Understanding how to create, use, and protect QR codes is a crucial step for individuals and businesses to optimize payment processes, enhance customer experience, and keep pace with digital consumer trends.
Start using payment QR codes smartly today with easy-to-use tools like iCheckQR, VNPay Merchant, or your preferred e-wallet and mobile banking apps, and take your business and personal finance management to the next level.
