QR Code® Payments with American Express

A simple and touch-free digital payment solution that gives Card Members more flexible payment choices


As payment technology evolves and customers seek new ways to pay, QR Codes are becoming more popular as an alternative solution for Merchants and Issuers to expand their customer’s payment options and use their mobile devices to pay.


American Express offers two QR Code based payment solutions to help Issuers and Acquirers meet the needs of their Card Members and Merchants:


  • American Express Merchant-Presented QR Code (MPQR): The merchant displays the QR Code in store by form of a decal or through a terminal, and the Card Members uses their smartphone to scan the QR Code.


  • American Express Consumer-Presented QR Code (CPQR): Card Members generate a QR Code from their mobile wallet or banking app and the Merchant scans the QR Code as a form of payment.


*QR Code is a registered trademark of Denso Wave.


American Express QR Code payment solutions are:


  • Simple: Provides an easy transaction experience


  • Additional Security: A more secure alternative to carrying cash or multiple plastic cards


  • Convenient: Enables Merchants to accept digital payments and reduces Card Member’s reliance on cash


  • Cleaner and safer: Reduces physical contact and helps limit exposure to health risks

How it Works




Merchant-Presented QR Code solution is relevant in countries where mobile smartphone usage is high and is a cost-effective solution that does not require the infrastructure of a point of sale terminal. 


Click here for additional information on next steps to implement QR Code solution.


Consumer-Presented QR Code solution expands digital wallet capabilities and enables the point of sale terminal to accept digital payments beyond contactless. 


Click here for additional information on next steps to implement QR Code solution.