QR Code FAQs

What is a QR code in Subuk App?

A QR code (Quick Response code) is a scan-able image that allows you to make or receive payments easily through your mobile phone. It provides a secure, cashless, and cardless way to transfer money instantly.

What is the difference between Static QR and Dynamic QR?

Typically, static QR is used for general payments where the payer manually enters the amount.

Example: A shopkeeper pastes a static QR on the counter. Customers scan it and manually enter the amount to pay.

Whereas, Dynamic QR includes account details as well as amount, and expiry time.

Example: You buy something online, and at checkout, the vendor generates a receipt with a Dynamic QR (that includes the exact amount due). You just scan and pay—no need to enter anything manually.

How do I make a payment using a QR code?

To make a QR payment:

  • Open the Subuk App
  • From the main screen, tap on Scan QR
    OR
    Go to Hub Menu → QR Payments
  • You will see two options:
    • Scan QR Code
    • Upload QR Code (from Photo Gallery)
  • Enter the amount (if required)
  • Proceed with the transaction

How can I generate my own QR code to receive money?

To receive payments via QR code:

  • Open the Subuk App
  • Tap on My QR on the dashboard
  • For dynamic QR generation, toggle on QR with Amount and enter the required details
  • Share the QR code with anyone to receive funds directly into your account

Can I scan QR codes from any merchant?

Yes, you can scan QR codes from any merchant to make payments through the Subuk App.

  • If the QR code is printed on a receipt, it’s usually a Dynamic QR and includes the exact amount—just scan and pay, no need to enter anything.
  • If the QR code is displayed or pasted at the counter, it is typically a Static QR. In this case, you’ll need to enter the payment amount manually before confirming the transaction.

Tip: Always verify the merchant name and amount on your screen before confirming the payment.

Can I use QR codes for international payments?

No, currently QR payments are only supported for local transactions via Raast.

What should I do if a QR payment fails?

Try the following steps:

  • Ensure you have a stable internet connection
  • Check if the QR code is clear and valid
  • Try scanning again

If the issue persists, contact MCB Islamic customer support for help.

Are there any charges for using QR code payments?

No, there are no charges. Payments via QR code are free. However, some transactions—like IBFT (Inter Bank Funds Transfer)—may carry charges as per the bank’s SOC (Schedule of Charges).

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