QR-code sabse common digital-payment-tool hai, lekin ye ekmatra option nahi hai. Kuch dukandar QR se avoid karte hain — kabhi smartphone-comfort ki kami ki wajah se, kabhi apne specific business-pattern (jaise phone-orders) ke hisaab se QR fit nahi baithta. Ye guide un genuine-alternatives ko explain karti hai, unka honestly comparison