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News21 August, 2025

Dynamic QR Codes Explained: Why Online Businesses Choose Them

In the digital era, QR codes have become a familiar tool in payments and transactions. But have you heard of dynamic QR codes? This is an advanced payment solution that e-commerce and retail chains are favoring due to its flexibility and efficiency. So what are dynamic QR codes, and why have they become such a sought-after trend? This article will explain dynamic QR codes in detail, compare them with static QR codes, and reveal why PayME Dynamic QR is the top choice for businesses looking to optimize their payment processes.

1. What Are Dynamic QR Codes?

Dynamic QR codes are QR codes generated uniquely for each transaction, automatically updating information such as payment amounts, order codes, or customer information. Unlike static QR codes (which only contain fixed information like bank account details), the self-updating QR feature of dynamic codes helps businesses manage transactions more accurately and efficiently.

For example, when a customer makes a purchase on an e-commerce website, the system will generate a smart QR code containing specific information for that order (amount, order code, transaction time). Customers simply need to scan the code with their banking app or e-wallet to complete payment without entering additional information. According to statistics, 78% of customers in Vietnam in 2024 have used QR codes for payment at least once, and this number is growing strongly.

PayME Dynamic QR is a prime example, allowing businesses to integrate smart QR codes into websites, applications, or physical stores, delivering a seamless payment experience.

2. Dynamic QR vs Static QR: Where Does the Difference Lie?

To better understand the benefits of dynamic QR codes, let's compare them with static QR codes:

Criteria

Dynamic QR

Static QR

Information

Automatically updates for each transaction

Fixed, unchanging

Application

Suitable for e-commerce, store chains

Suitable for personal payments, small scale

Transaction Management

Automatic order code linking, easy reconciliation

Requires manual order information input

Payment Security

High, reduces error or fraud risk

Lower, more susceptible to misuse

Flexibility

Integrated invoice-payment automation

Limited, requires manual verification

Dynamic QR codes excel through automatic transaction capability and order identification via QR, helping businesses save time and reduce errors. A report from the State Bank of Vietnam shows that businesses using dynamic QR codes have reduced reconciliation time by 60% compared to static QR codes.

For more detailed understanding, you can refer to the detailed comparison of Dynamic QR vs Static QR.

3. Why Do E-commerce Businesses Prioritize Dynamic QR Codes?

E-commerce businesses and retail chains are switching to dynamic QR for business due to the following superior benefits:

3.1. Flexible and Convenient Payments

Dynamic QR codes allow customers to pay quickly with just one scan, without needing to enter amounts or order information. This is particularly useful in scenarios such as:

  • Online shopping: Customers scan QR codes on websites or applications to pay instantly
  • Store chains: Dynamic QR for store chains helps counter staff generate unique QR codes for each invoice, ensuring accurate transactions
  • Event payments: Pop-up events or trade fairs can use dynamic QR codes to process transactions quickly

A convenience store chain in Ho Chi Minh City reported a 25% increase in counter transaction speed after implementing PayME smart QR codes.

3.2. Invoice-Payment Connection

Dynamic QR codes integrate invoice information directly into the code, helping businesses easily track and reconcile. For example, a dynamic QR code can contain:

  • Order code
  • Payment amount required
  • Code expiration time (e.g., 5 minutes to prevent fraud)

This makes invoice-payment connection seamless, minimizing errors or duplicate transactions. An e-commerce business using PayME Dynamic QR reduced reconciliation errors by 80% thanks to this feature.

3.3. High Payment Security

Each dynamic QR code can only be used once and expires after a certain time, reducing fraud risk or misuse. Additionally, PayME Dynamic QR complies with PCI DSS security standards, ensuring safety for both businesses and customers through two-factor authentication and secure financial data protection.

3.4. Enhanced Customer Experience

Customers highly value the convenience and speed of dynamic QR codes. According to a 2024 Nielsen Vietnam survey, 85% of users prefer QR code payments over cash due to simplicity and safety. Convenient dynamic QR codes help businesses retain customers and increase transaction completion rates.

4. Real-World Applications of Dynamic QR Codes

Dynamic QR for business can be applied across many sectors:

  • E-commerce: Integrate dynamic QR codes into website or application payment pages to accelerate transactions
  • Retail chains: Use at checkout counters to generate unique QR codes for each invoice, suitable for coffee chains, restaurants, or fashion stores
  • Delivery services: Delivery drivers can generate dynamic QR codes for customers to pay upon receiving goods
  • Events and trade fairs: Create temporary QR codes for on-site transactions, ensuring speed and accuracy

A typical example is a famous coffee chain in Vietnam that used PayME Dynamic QR to process over 10,000 transactions daily across 50 stores, reducing customer waiting time by 40%. See details in the Case Study: Dynamic QR Application in Coffee Chains.

5. How to Implement Dynamic QR with PayME

To start using PayME Dynamic QR, businesses need to follow these steps:

  1. Register business account: Visit the Business Account Registration Form to create a PayME account. This process takes less than 24 hours.
  2. Integrate Dynamic QR: Use PayME API to integrate dynamic QR into websites, applications, or POS systems. PayME's technical documentation provides detailed guidance for developers.
  3. Test in sandbox environment: Ensure the system operates stably before official deployment.
  4. Train staff: Guide employees on how to create and use dynamic QR codes at counters or online channels.
  5. Monitor and optimize: Use PayME's dashboard to track transactions and analyze performance, ensuring financial data accuracy and payment security.

Details about implementation can be found at the Dynamic QR Service Page for Retail.

6. Advanced Security Features

PayME's Dynamic QR system incorporates multiple layers of payment security:

  • Two-factor authentication for transaction verification
  • Encrypted financial data transmission using industry-standard protocols
  • Real-time fraud detection and prevention
  • Secure tokenization of sensitive payment information
  • Compliance with international security standards including PCI DSS

These security measures ensure that both businesses and customers can trust the system with their financial data while maintaining seamless user experience.

7. Conclusion

Dynamic QR codes are not just a payment tool but a solution that helps e-commerce and retail businesses optimize processes, enhance customer experience, and manage transactions effectively. With PayME Dynamic QR, businesses can leverage self-updating QR features, automatic transactions, and invoice-payment connection to lead in the competitive market.

The integration of advanced payment security measures, including two-factor authentication and protected financial data handling, makes PayME Dynamic QR the ideal choice for businesses prioritizing both efficiency and security.

Start today by exploring the detailed Dynamic QR vs Static QR comparison or register at the Business Account Registration Form. With PayME Smart QR, your business will be ready to conquer all payment challenges in the digital era.

 

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