Is scanning a QR code to pay with a credit card considered a card payment? Credit card scan payment is an online payment method. By binding the card to a third-party platform, and then actively scanning the merchant's QR code, or passively scanning the payment QR code of the credit card to the merchant. Credit card consumption also includes online payment, so payment by scanning the QR code must also be counted as card consumption. However, there are still several differences between scanning a QR code to pay and using a credit card to make purchases at a POS machine. 1. Different handling fees: The scan code payment rate is based on the flash payment rate. For a single transaction not exceeding 1,000 yuan, the rate is per transaction. For transactions exceeding 1,000 yuan, the rate is based on the standard credit card rate. Although the card payment rates are borne by merchants, merchants definitely want the rates to be as low as possible. 2. Different payment passwords: If you pay by credit card using QuickPass, you do not need to enter a password for a single payment of less than 1,000 yuan, otherwise you need to enter the credit card password; if you pay by scanning the QR code, if you actively scan the QR code, no matter how much the amount is, you have to enter the password. The password you enter is just the password for the payment platform. For example, for WeChat payment, you need to enter the password for WeChat payment, not the credit card password. In short, scanning the QR code to pay with a credit card counts as a card payment, but when paying, you should pay attention to the handling fee and the payment password, especially if the latter is entered incorrectly, the transaction will fail.