This is going to be a rant, apologies in advance.

More and more companies seem to be sending an invoice which includes a QR code, “powered by POM”, supposedly in order to facilitate payment (hospital bills, Farys, …). While I applaud this idea, which theoretically would mean my 80-year old mother could do her payments), I often find the process to be so tedious and frustrating that I often resort to manually entering the payment details by hand.

The QR-code on the invoice can be scanned directly from banking or Payconiq app. But rather than processing the payment directly, it redirects to a website, where you are requested to provide your personal details, subsequently confirm the details on two separate webpages; before finally being redirected to your payment app of choice; which, ironically, is the Payconiq or banking app you used to scan the QR code with in the first place /facepalm.

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TL;DR: POM, please allow me to process payments by scanning your QR code instead of having me go through a tedious process 🙁

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Edit: from their [website](https://www.pom.be/)\-

“POM helps you to overcome frustrations about payments. That’s why POM stands for Peace Of Mind. ” – oh the irony

9 comments

  2. That’s because Payconiq and (some) banks in Belgium have decided not to support the EPC QR standard.

    So a provider like POM is “needed” (more like forced) as intermediary to look at the QR code and “transfer” it to the correct bank app. And of course Payconiq and POM can charge customers for this, whereas EPC QR would be a free solution.

    See also this discussion here: https://www.reddit.com/r/belgium/comments/d00oj7/payconiq_is_a_scam/

  3. I’m with you on this. I have the KBC app so I could just scan the QR and pay but no POM sends me to their website for some superfluous operations then the payment is done. I purposely pay manually POM invoices to drive down the use of this nonsensical process.

  4. If I can’t make the payment through my banking app, but instead get redirected to a site, asking me to fill in some personal data, I would think it’s a scam and stop the process…

    It’s systems and processes like this that confuse people and lure them into a scam

  5. Top tip, don’t ever “Pay easily with POM through this QR code”, EVER!

    Their QR code payment doesn’t copy the payment reference, therefore the receiving party can’t link the payment to your payment and you can’t ‘prove’ that you payed the end receiver.

    It’s a massive pain in the bumhole. POM absolutely and completely sucks.

    Just type in the payment and you’ll save yourself a world of trouble even though it costs you 13 seconds to type in the numbers manually.

  7. Try to avoid using all those 3rd party payment providers like payconiq. It only provides them money to lock the market further into their monopoly and profit from customer data.
    It’s the classic problem of sales people getting a meeting with retarded managers and managers swallowing their bullshit instead of people with any technical knowledge being able to recognise the scam.

    There is a perfectly working EPC QR standard to handle SEPA transfers. Fully open and free.
    Hundreds of websites to generate codes, apps on mobiles, plugins and stand-alone applications. All banking apps support the open EPC QR standard. Small businesses using excel or google have plugins and big business has hundreds of libraries for whatever code language their system is made with to automatically create EPC QR codes on invoices.

    People have to stop inviting these plagues into society. It starts with each one of us.

  8. All the issues you guys describe have actually nothing to do with POM and everything with the shitty organisation sending the payment requests.

    1/ organisations are redirecting to extra pages before sending you to the actual POM payment page

    2/ organisations not filling in the correct fields in the payment requesr so it doesnt get codes to the banking app

    How do I know this? Because I integrated POM and we create payment requests. They just go to the payment page (compatible with payconiq). References are filled in. In most cases we can auto reconcile everything from the CODA files to whatever has been payed with POM.

    Conclusion: name and shame the shitty companies sending you shitty invoices instead of the PSP

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