In every era there are people who look for the gaps in a system, a tool or a technology and exploit them dishonestly to cheat and take advantage of others — fraudsters, in a word. No business owner wants to meet one, least of all over payments, where the tricks today are fully formed: the fake transfer slip and the transfer that never quite happened.
Today, scan-to-pay is an extremely popular way to take payment, because a customer does not need to carry cash. They pull out their phone, open their banking app, scan and pay, and the cash is replaced on the spot.
Scan-to-pay is also an innovation anyone can reach: a bank account, an app and a phone are all it takes. And shops can take money by QR payment just as easily.
With ordinary scan-to-pay, though, the customer scans and then types in the amount themselves, after which the shop has to check the slip against the money arriving in the account. On a busy day there is no time to check anything thoroughly — and that is precisely the gap a fraudster uses against your shop.
The tricks fraudsters most often use on small shops
1. Deliberately entering the wrong amount
Because a transfer by scan can be entered down to the decimal, a fraudster will deliberately leave a digit out so that the slip looks as though the full amount has been sent when it has not. A 300 THB bill, for instance, becomes 3.00 instead of 300.00. If nobody looks closely, the shop is out of pocket.
2. Never pressing confirm
A scan-to-pay transfer normally takes three steps: (1) scan the QR code, (2) enter the amount and press confirm, (3) confirm once more that you want to send the money. All three have to happen for the transfer to go through. A fraudster uses the chaos of a busy moment to skip that final confirmation, so the money never actually reaches the shop.
3. Using a forged or old slip, or one generated by AI
A fraudster may show a doctored image of a slip, or an old one, so that the shop believes the money has been sent when it has not. If the shop does not check that the amount has genuinely arrived, it loses the takings.
And now that AI image generation has arrived, forging a slip has become that much easier — which is all the more reason for shops to be on their guard.
Basic ways to protect yourself
You can protect your shop from fraudsters looking for an opening in scan-to-pay as follows.
1. Check the customer's transfer slip against the money received, every single time
2. Photograph receipts so that you can check back later
3. Take payment through Dynamic QR Payment
Take payment with Dynamic QR Payment
Why Dynamic QR Payment protects your shop from fraudsters
Because Dynamic QR Payment is not the same as ordinary QR payment. The QR code most shops use is a static one: generated once and used for ever, with the customer typing in the amount themselves. A dynamic QR code, by contrast, carries different data every time it is generated, and it carries the amount within it — so when the customer scans, the price is already there and there is nothing for them to type.
Dynamic QR Payment has another advantage too. Once the customer completes the transaction, the information goes back to the source and the amount transferred is confirmed there and then. With the amount confirmed, the system can print the receipt automatically, which saves the time you would have spent checking and printing.
How to use Dynamic QR Payment
Start using Dynamic QR Payment in full with Qashier POS
If your shop would like to start using Dynamic QR Payment, you can begin today, because our Qashier POS is not only a POS system for running your shop but now supports payment by Dynamic QR Payment in full.
Whether you run a food and drink outlet, a retail shop, a salon or a service business, Dynamic QR Payment will keep your payments running smoothly.
Contact our team today for more details. Beyond Dynamic QR Payment, Qashier POS has a great many other features to help you run the shop, keeping every side of it running smoothly.
Start raising your game with Qashier today
If you would like Qashier to be the partner behind your restaurant, get in touch and we will be glad to tell you more. We are ready to support you, whether with the terminals themselves, POS systems for restaurants or for retail shops, an effective POS system, and support from our team seven days a week.
For more details, contact us on our Line Official account: @qashier.th or call 02 544 0267