Not all QR Codes are created equal — and the kind you hear about in fraud stories isn’t the same as what’s powering secure payments. Static URL QR Codes, often found on parking meters or flyers, are easy to spoof and risky for entering credentials. But a new generation of Payment QR Codes is changing the game. These codes are scanned within an authenticated app (e.g. banking app), use digital signatures, and move money instantly through FedNow or RTP, ACH credit push and push to card — no credentials or redirects required. With standards now in development by X9 and proven success in Brazil, QR Codes are poised to bring safe, real-time payments to the U.S. mainstream.