Jika sebelumnya QRIS konvensional lebih berfokus pada kode yang disajikan oleh pedagang, QRIS Tap berorientasi pada identitas ponsel atau rekening pembeli sebagai pengenal transaksi.QRIS Tap membantu mengurangi kebutuhan membawa uang tunai dan risiko yang biasanya terjadi pada individu dan penjual/service provider, seperti kehilangan atau uang pals
Pembayaran QRIS ini juga telah diterapkan oleh sejumlah financial institution melalui aplikasi cell banking masing-masing bank. Nasabah dapat dengan mudah dan cepat melakukan pembayaran menggunakan QRIS. Mereka dapat menggunakan layanan pembayaran by means of QRIS dengan fitur pemindai QR CodeDana akan dialirkan dari akun pengirim ke akun penerima.
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