QR codes are used in direct account-to-account transactions. They encode all the data like the IBAN-based account number, bank code, requested sum etc. that you may find on invoices in a way that’s much more convenient than typing over by hand.
Apple Pay meanwhile uses your credit/debit card to perform the transaction, the other party needs a terminal or payment gateway and is required to pay fees to Visa or MasterCard.
Apple Pay meanwhile uses your credit/debit card to perform the transaction, the other party needs a terminal or payment gateway and is required to pay fees to Visa or MasterCard.