The expert called Volgograd citizens disadvantages of payment by QR code
The main disadvantage is the lack of bonuses and cashback
Payment by QR code has a number of disadvantages, because of which consumers are increasingly abandoning this method. About this RIA "Novosti" told the master of law, associate professor of REU named after G. V. Plekhanov Meri Valishvili.
When paying with a credit card, a commission may be charged, and the amount is included in the free transfer limit. For customers who actively use cashback or often send money, this is a significant disadvantage.
A stable internet connection is also required for payment. If the connection is lost, the payment does not pass, and the buyer has to spend time searching for the network. Another serious threat is QR phishing. Fraudsters paste fake codes on top of real ones at cash desks, terminals and restaurant menus. After scanning such a code, a person gets to a phishing site that can download malware to a smartphone. The expert recommends the use of dynamic codes on payment terminals, which are more difficult to replace.
