I can see a system where you have to scan the QR code in a specific app for that purpose (e.g. a dedicated QR code payment app which approved businesses sign up to, which either includes or remotely queries a database of valid endpoints). At that point though, where you’re requiring a dedicated app anyway, you may as well invent your own 2D code system with blackjack, hookers and signing. But yeah, I don’t understand how this would work otherwise. QR codes just aren’t made for security. They shouldn’t be used anywhere security is required.