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Table of Contents

Lead Story

Outside forces impinge on payments in 2011


Industry Update

California Lucky's unfortunate breach

Experts discuss the future of mobile payments

NRF sues Fed over Durbin regs


SMBs: Security must become serious

Bill Farmer
Mako Networks

An interview with Marc Abbey

Ken Musante
Eureka Payments LLC

Status report: U.S. economy Q3 2011

Selling Prepaid

Prepaid in brief

Will prepaid pivot with Green Dot's purchase?

'Smart' gifting gears up


Thinking outside the bank

Patti Murphy
ProScribes Inc.


Street SmartsSM:
EMV's time is nigh

Bill Pirtle
C3ET Credit Card Consortia for Education & Training Inc.

QR codes - the new call to action

Stephen Enfield
POS Supply Solutions

Fraud trends 2012: Like 2011, only more so

Nicholas Cucci
Network Merchants Inc.

Crisis management as opportunity

Dale S. Laszig
Castles Technology Co. Ltd.

ISOs welcome in the POS waters

Jerry Cibley
United Bank Card Inc.

Parlay tradeshow costs into social media bonanza

Alan Kleinman
Meritus Payment Solutions

Company Profile


New Products

All-in-one payment platform

FrontStream Payments Inc.


Use your human gifts


10 Years ago in
The Green Sheet


Resource Guide



2012 Calendar of events

A Bigger Thing

The Green Sheet Online Edition

December 26, 2011  •  Issue 11:12:02

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QR codes - the new call to action

By Stephen Enfield

Quick response (QR) codes are showing up everywhere, although they aren't necessarily new. You find them in magazines and on business cards, storefront windows, product labeling and displays, billboards, and catalogs.

Consumers with camera phones equipped with the correct reader application simply scan the image of the QR code to display text, a web page, v-card (virtual, or electronic, business card), contact details, video and much more.

Merchant level salespeople (MLSs) are always looking for new ways to help merchants increase business. QR codes are an excellent tool for engaging potential and existing customers. Savvy businesses print QR codes directly onto POS receipts.

Many POS terminals, printers, card terminals and cash registers now offer the ability to print graphics on every receipt.

This low-cost tool makes it possible for businesses to market to their customers every time they make purchases. Adding QR codes is an effective way to reward current customers and encourage repeat business.

From receipt to call to action

When used correctly, QR codes offer a strong call to action. When printed on a receipt, the customized code can link to:

Technological advances have made it easier than ever to add custom content to POS receipts. We spoke with POS terminal manufacturer Ingenico to get its opinion on integrating QR codes into receipts.

"POS terminals have advanced vastly since the early days of the single-purpose, printer-less devices that were long considered the mainstay of electronic authorizations," said Gregory Boardman, Senior Vice President of Product and Development at Ingenico.

Thermal speed demons

Today's POS terminals incorporate thermal printers capable of speeds of 18 lines per second, including graphics, according to Boardman.

This simplifies printing bar codes, logos, coupons, and QR codes that can be scanned using a smart phone to create a more intimate experience between merchants and cardholders. Boardman noted that QR codes can even be used to redeem discounts on customers' return visits.

"It's all about finding new ways to tap into popular technology trends to drive increased customer loyalty and to deliver relevant and timely messages and offers" to the merchant's customer base, Boardman said.

Smart phones and more robust bar codes create a mechanism to provide consumers with a more diverse payments experience.

The receipt plays an important role, because it is one of the few items that can influence customers' actions once they leave the store, he added.

Following are a few technical tips to ensure success with QR code scanning:

Finding ways to stand out from the competition is the key to success in a highly competitive marketplace. QR codes can be a great way for any ISO or MLS to add value for merchants.

Stephen Enfield founded POS Supply Solutions in 1999 and has over two decades of experience in the POS industry, working with large multinationals as well as small business accounts. Stephen is an innovative, entrepreneurial professional with an unwavering focus on customer satisfaction and a down-to-earth approach. For more information, visit, or contact Stephen at or 888-431-5800.

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

North American Bancard | Simpay | USAePay | Impact Paysystems | Board Studios