Indeed, a craftsman, an architect or even a shop that wishes to charge directly on the shelf, in order to reduce the waiting time at the cash desk, is able, thanks to the Fintecture payment requestpayment request, to propose a link to be scanned.

The merchant will simply have to fill in the amount and the reference of the order, then choose whether he wants to show the code in person or share the request by sending it to his customer. After scanning the QR code, the customer will be redirected to his bank interface where he will simply be asked to log in and validate the transaction. No bank data transfer between the two parties, no need for a special application for the scanner! The merchant will instantly receive a payment confirmation and can continue his activities without any worries, as the payment is irrevocable (it cannot be cancelled on the customer's side).

Finally, one of the challenges of the democratisation of Quick Response is also to ensure greater protection of privacy during transactions. One of the main advantages is indeed the reduction of the number of intermediaries intervening between the payer and the receiver. By integrating its payment request solution into its ecosystem, Fintecture is exactly in line with the bank data security approach mentionedearlier. Moreover, the absence of intermediaries between the company and the customer also avoids any technical friction during payment and above all considerably reduces transaction costs.