Payment by QR-Code as a Cashless Settlement Method
https://doi.org/10.17803/2311-5998.2023.101.1.104-110
Abstract
After Apple suspended the use of the Apple Pay application for bank cards of international payment systems Visa and Mastercard for residents of Russia in March 2022 and Google (Google Pay) and Samsung (Samsung Pay) followed suit, settlements by QR-codes became a real alternative for making payments using smartphones. The article discusses the technical and legal aspects of making payments using QR-codes. The author showed, that payment using a QR-code is not a form of non-cash payments. By its legal nature, a QR-code is a machine-readable form of submitting a payment order to pay a certain amount of funds by the payer to their recipient, using the recipient’s details, «encrypted» in this code. Therefore, payment by QR-code is carried out as part of payments by payment orders.
About the Author
S. V. Pykhtin
Kutafin Moscow State Law University (MSAL)
Russian Federation
Russian Federation
Sergey V. Pykhtin, Associate Professor of Banking law Department, Cand. Sci. (Law),
9, ul. Sadovaya-Kudrinskaya, Moscow, 125993
References
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Review
For citations:
Pykhtin S.V. Payment by QR-Code as a Cashless Settlement Method. Courier of Kutafin Moscow State Law University (MSAL)). 2023;(1):104-110. (In Russ.) https://doi.org/10.17803/2311-5998.2023.101.1.104-110
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