> For the complete documentation index, see [llms.txt](https://yellow-umbrella.gitbook.io/yellow-umbrella/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yellow-umbrella.gitbook.io/yellow-umbrella/07-reason-of-running-via-application/payment-system.md).

# Payment System and QR Code Utilization

YU Token improves the accessibility of blockchain payments through a **QR code-based payment system**. **QR code payments** are **faster, more secure, and more cost-effective** than traditional **credit card and cash payment systems**.

## **1) QR Code-Based Payment Method**

* Users launch the **YU Token-compatible mobile web app** and scan the **QR code**, which automatically activates the **payment window**.
* The **payment amount is auto-filled**, and users simply **confirm the transaction** to complete the payment.
* **Transaction data is recorded on the blockchain**, preventing **manipulation and duplicate payments**.

## **2) Advantages of QR Code Payments**

* **No POS (Point of Sale) terminal required** → Small businesses can accept payments with just a **QR code**, eliminating additional costs.
* **Faster transaction speed** → Unlike credit card payments, **no approval process is needed**, and transactions are **instantly processed via Smart Contracts**.
* **Offline functionality** → Even in areas with **unstable internet connections**, transactions can be processed using a **pre-stored QR code**.

## **3) Comparison with Traditional Payment Systems**

<table><thead><tr><th width="175">Feature</th><th width="282">Traditional POS Payments</th><th>YU Token QR Code Payments</th></tr></thead><tbody><tr><td>Setup Cost</td><td>Requires a <strong>POS terminal</strong> (costing at least hundreds of dollars)</td><td>Payments can be completed with a <strong>single QR code</strong></td></tr><tr><td>Operational Fees</td><td><strong>Card issuer and payment gateway (PG) fees</strong> apply</td><td>No fees or minimal transaction costs</td></tr><tr><td>Ease of Use</td><td>Requires <strong>card insertion and approval</strong></td><td>Instant payment with a QR code scan</td></tr></tbody></table>

## 4) Expansion Potential of QR Code Payments

**QR code-based payments** are a **key element** in the widespread adoption of **YU Token** and can be integrated into **various services** in the future.

* **Cashierless stores and vending machines** → **Automatic payments** via QR code scans.
* **Digital content and subscription services** → **Seamless QR code-based recurring monthly payments**.
* **Cross-border payments and remittances** → **Users can make direct payments and remittances internationally via QR codes**.


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