TrendsAugust 20258 min

The future of contactless payment in hospitality

From QR codes to NFC: which technologies will dominate hospitality in 2025 and beyond?

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The future of contactless payment in hospitality

From QR codes to NFC chips, from crypto to biometric payments — the hospitality industry is on the verge of a payment revolution. But which technologies will truly make the difference in 2026 and beyond? We dive into the trends your restaurant can't ignore.

The current state: QR codes dominate (for now)

Let's be honest: the QR code had its definitive breakthrough during COVID-19. What was once an obscure Japanese invention is now indispensable in Dutch hospitality. And rightfully so — it simply works.

Take Splitty, for example, which uses QR codes to let guests settle their bill in 15 seconds. Restaurant LIMON in Amsterdam saw their revenue increase by 35% through faster table turnover.

"We initially thought QR codes would be too technical for our older guests. But the opposite turned out to be true. Even my 78-year-old regular now scans faster than he ever pulled out his debit card."

NFC: The silent revolution in your pocket

Near Field Communication (NFC) has been in your phone for years, but the hospitality industry has barely tapped its potential. This is now changing. Apple's recent opening of NFC for third-party apps is a game-changer.

Imagine: guests simply tap their phone against an NFC tag on the table. No opening the camera, no scanning a QR code — just tap and pay.

  • 87% of smartphones have NFC
  • 3 sec average payment time with NFC
  • €0.02 cost per NFC tag

Biometric payments: Science fiction becomes reality

Amazon's "Just Walk Out" technology may still be experimental, but biometric payments are coming. In China, people already pay with facial recognition, and major chains like McDonald's are experimenting with palm scanning.

For Dutch hospitality, this is still far off, but the first steps are being taken.

The dark horses: Crypto and BNPL

Two trends we can't ignore: cryptocurrency and Buy Now, Pay Later (BNPL).

Cryptocurrency: Yes, it's volatile. Yes, it's complex. But for international tourists, it can be a lifesaver. No exchange rates, no credit card fees.

BNPL for hospitality: Klarna for your dinner? It sounds crazy, but for large group dinners or corporate events, it can make sense.

What does this mean for your restaurant?

The future of payments in hospitality isn't about one technology, but about choice and flexibility. Guests expect options.

Practical steps to get started:

  • Start with QR: It's proven, affordable, and works. Systems like Splitty make implementation possible within 24 hours.
  • Experiment with NFC: Buy a few NFC tags (€10 for 500 pieces) and test it with your team.
  • Stay flexible: Choose POS systems that offer open APIs for future integrations.
  • Listen to your guests: Not every technology suits every restaurant. Test, measure, and adjust.

The reality check

Let's stay realistic. The average Dutch hospitality owner doesn't have time to try every new payment technology. The key is to focus on technologies that add direct value:

  • Faster checkout times (more table rotation)
  • Higher tips for your staff
  • Better guest experience (more positive reviews)
  • Lower transaction costs

If a new technology doesn't tick at least two of these boxes, it's probably not worth it.

The bottom line

Contactless payment is no longer a thing of the future — it's the present. QR codes have paved the way, NFC is ready to take over, and who knows what comes next.

The most important thing is that you don't stand still. The restaurants that still exist in 2030 are those that are already experimenting with tomorrow's payment methods today. Start small, test a lot, and keep listening to your guests.

Because ultimately, it's not about the technology itself, but about what it delivers: faster service, happier guests, and a healthier business.

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Haeufig gestellte Fragen

Why do QR codes still dominate contactless payment in hospitality?

QR codes had their definitive breakthrough during COVID-19 and are now indispensable in Dutch hospitality, simply because they work. They're proven, affordable, and easy to roll out. With a system like Splitty, your guests can settle their bill in just 15 seconds. Even older guests adapt quickly. One restaurant owner shared that his 78-year-old regular now scans faster than he ever pulled out his debit card. If you're looking for a starting point, QR is the most reliable and accessible choice available today.

How much revenue can QR payments actually add to my restaurant?

The results speak for themselves. Restaurant LIMON in Amsterdam saw their revenue increase by 35% through faster table turnover after adopting QR payments. When guests can pay their bill in 15 seconds instead of waiting for staff, tables free up faster and you can serve more guests during peak hours. Faster checkout times mean more table rotation, which directly impacts your bottom line. This is exactly why QR remains one of the most valuable technologies to focus on right now.

What is NFC and how does it work for payments?

NFC stands for Near Field Communication, and it has been built into smartphones for years. For payments, your guests simply tap their phone against an NFC tag on the table. There's no need to open the camera or scan a QR code, just tap and pay. The average payment time with NFC is 3 seconds. With Apple recently opening NFC for third-party apps, this technology is becoming much more accessible for hospitality, making it a strong candidate to take over in the near future.

How much do NFC tags cost?

NFC tags are extremely affordable. The cost is around €0.02 per tag, and you can buy a batch of 500 pieces for roughly €10. This makes it easy and low-risk to start experimenting. You can pick up a few tags, place them on your tables, and test the experience with your team before committing further. Given how low the investment is, NFC is worth trialing to see whether your guests respond well to the tap-and-pay experience.

Should I start using biometric payments in my restaurant?

Not yet. Biometric payments, like facial recognition and palm scanning, are already used in China and being experimented with by chains like McDonald's, but for Dutch hospitality this is still far off. The first steps are being taken, but it's not something the average hospitality owner needs to worry about today. Focus your energy on proven technologies like QR and NFC that add direct value now, and keep biometrics on your radar for the future.

Does it make sense to accept cryptocurrency in hospitality?

It depends on your situation. Cryptocurrency is volatile and complex, so it's not for everyone. However, for international tourists it can be a real advantage, since there are no exchange rates and no credit card fees. If your restaurant attracts a lot of international guests, crypto could be worth considering. For most restaurants, though, it's a dark horse trend rather than a must-have. Weigh it against the value it adds before deciding to implement it.

Can guests use Buy Now, Pay Later (BNPL) for their dinner?

It sounds unusual, but yes, BNPL like Klarna can make sense in specific situations. It's particularly useful for large group dinners or corporate events where the bill is significant. For everyday dining it's less relevant, which is why BNPL is considered a dark horse trend in hospitality. If you regularly host big groups or business events, it could be worth exploring as a flexible option for your guests.

How quickly can I implement a QR payment system?

Very quickly. Systems like Splitty make implementation possible within 24 hours. This is one of the reasons QR is the recommended starting point: it's fast to roll out, proven, and affordable. You don't need a lengthy setup process or major technical investment to get going. Once it's live, your guests can start settling their bills in 15 seconds, helping you speed up table turnover almost immediately.

How do I decide which payment technology is worth adopting?

Focus on technologies that add direct value. A good rule of thumb is to check whether a new technology ticks at least two of these boxes: faster checkout times for more table rotation, higher tips for your staff, a better guest experience with more positive reviews, or lower transaction costs. If it doesn't meet at least two, it's probably not worth it. The average hospitality owner doesn't have time to try everything, so prioritize what delivers measurable results.

What practical steps should I take to future-proof my payments?

Start small and stay flexible. Begin with QR, since it's proven, affordable, and can be implemented within 24 hours through systems like Splitty. Then experiment with NFC by buying a few tags for around €10 per 500 pieces and testing them with your team. Choose POS systems that offer open APIs so you're ready for future integrations. Most importantly, listen to your guests, because not every technology suits every restaurant. Test, measure, and adjust as you go to find what works best for your business.

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