Carlos Netto is Co-founder and CEO of Matera, a software company he founded over 30 years ago in Brazil.

The sun beat down on the cobblestone streets of Monte Verde, Brazil, as I wandered, parched and dreaming of a cold beer. Rounding a corner, I stumbled upon an unexpected oasis: a vibrant, unattended beer booth standing proudly on the sidewalk.

This wasn’t your average kiosk. There was no bored vendor and no cash register—just a row of gleaming taps, each adorned with a unique QR code. A playful sign invited me to “Scan, Pay, Pour.”

Intrigued, I pulled out my phone, opened my banking app and scanned the code for a local lager. With a satisfying “beep,” my payment went through, and the tap unlocked. Moments later, I was sipping a crisp, refreshing brew, marveling at the sheer simplicity of it all.

This clever beer vendor didn’t waste time or resources on hiring staff to handle payments or on acquiring costly terminals for transactions at their booth. Instead, they concentrated on brewing excellent beer and providing it to people who needed it most—on sweltering days during a vacation.

As Jeff Bezos aptly put it when pitching Amazon Web Services (AWS) in 2008, breweries should prioritize enhancing their beer’s flavor rather than spending resources on generating their own power, a common practice in the early 1900s. Overtime, breweries shifted their focus to improve their beer while relying on external sources for energy.

In a similar vein, companies in Brazil are now less obsessed with handling payments. Thanks to instant payments and QR codes, there’s no need for them to invest in expensive payment terminals that comply with extensive security standards. QR codes can be displayed on any screen or simply printed on paper, eliminating the need for a specialized terminal.

The ease and simplicity I experienced at that beer booth are reflective of the innovative culture fostered by Brazil’s Pix payment network. Although the successful implementation of Pix might be attributed to mandates from the Central Bank, the truth is that entrepreneurs and developers have utilized these tools to create payment solutions that significantly enhance user experiences.

The integration of QR codes with the instant payment system, Pix, has revolutionized the way transactions are conducted, providing businesses with a cost-effective and uncomplicated payment method. This transformation has not only streamlined financial interactions but has also expanded the reach of products and services to a wider audience of consumers and enterprises.

The United States stands in a prime position to mirror this technological advancement. With instant payment frameworks like FedNow and RTP already established, the infrastructure is prepared for the adoption of QR code payments on a large scale. American consumers, who are accustomed to using QR codes for accessing information and menus, will likely find using QR codes for payments an intuitive extension.

It is important to note that payment QR codes are distinct from the more commonly used URL QR codes in the U.S., which primarily serve for information dissemination.

Payment QR codes contain all necessary details to facilitate a transaction. Banks that have reliable and secure QR code payment systems can create QR codes for vendors, verify them upon scanning to ensure their integrity, and deactivate the QR codes once the payment is made to prevent duplicate transactions.

Once a standardized QR code payment system is established in the U.S. by ASC X9, QR codes issued by any financial entity will be compatible across the board.

This adoption will allow banks, credit unions, and merchants throughout the U.S. to provide a smoother and more straightforward payment method. The infrastructure for creating and interpreting QR codes already exists and is reliable, removing the necessity for each business to create individual solutions.

Reflecting on my experiences in Brazil, the evolution of payment modes can be as easy, secure, and delightful as scanning a QR and enjoying a drink. Integrating QR code payments with prompt transaction options, businesses can simplify processes, boost security, and improve customer service.

Here’s to embracing QR codes, immediate transactions, inventive businesses, and the pleasure of a chilled beer on a bright day. Cheers!

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