Quick Answer
If you understand these two flows, you already understand most QR payments in China:
- The merchant scans your payment code
- You scan the merchant’s code
Most first-time confusion comes from opening the wrong screen, not from the system being hard.
Flow 1: Merchant Scans Your Code
This is common in:
- supermarkets
- convenience stores
- chain restaurants
- staffed counters
You open your wallet’s payment code, then the cashier scans it.
This is usually the simplest flow for visitors because you do not need to enter an amount yourself.
Flow 2: You Scan the Merchant’s Code
This is common in:
- smaller shops
- some cafes
- street stalls
- self-service counters
You scan a merchant QR code and then confirm the payment in your app.
Sometimes you must enter the amount manually. If so, slow down and check it carefully before paying.
Official Merchant Code vs Personal Collection Code
This distinction matters.
In China, especially at small businesses, you may sometimes be shown a personal collection code instead of a more formal merchant interface. That does not automatically mean it is a scam. It can be normal for a very small business.
But personal-code payments are less comfortable for visitors because:
- refunds are less tidy
- invoices may be harder
- you need more confidence that you are paying the right person
If you feel unsure, ask for another method or pay cash.
The Most Common Mistakes
- opening the scanner when the cashier needs your payment code
- scanning a code without checking whether it is for payment
- typing the wrong amount
- retrying too quickly after a delay
- panicking when the app opens an unfamiliar mini-page
The cure is usually to pause for five seconds and look closely.
A Good Rule for Small Merchants
If the payment flow looks a little messy but the merchant is obviously legitimate, stay calm and keep it simple:
- confirm whether you should scan or present your code
- double-check the amount
- pay once
- wait for confirmation
If anything feels wrong, switch methods rather than forcing it.
Practical Checklist
- I know the difference between “merchant scans me” and “I scan the merchant.”
- I know where my payment code lives in each app.
- I know to double-check the amount when entering it myself.
- I know that some small merchants may use personal collection codes.
- I know to switch methods if I feel uncertain.