Many paid or free apps are available with the ability to scan the codes and hard-link to an external URL. Virtual stores QR codes have been used to establish "virtual stores", where a gallery of product information and QR codes is presented to the customer, e.g. on a train station wall. The customers scan the QR codes, and the products are delivered to their homes. This use started in South Korea, and Argentina, but is currently expanding globally. Walmart, Procter & Gamble and Woolworths have already adopted the Virtual Store concept. QR code payment QR codes can be used to store bank account information or credit card information, or they can be specifically designed to work with particular payment provider applications. There are several trial applications of QR code payments across the world. In developing countries like China, India and Bangladesh QR code payment is a very popular and convenient method of making payments. Since Alipay designed a QR code payment method in 2011, mobile payment has been quickly adopted in China. As of 2018, around 83% of all payments were made via mobile payment. In November 2012, QR code payments were deployed on a larger scale in the Czech Republic when an open format for payment information exchange – a Short Payment Descriptor – was introduced and endorsed by the Czech Banking Association as the official local solution for QR payments. In 2013, the European Payment Council provided guidelines for the EPC QR code enabling SCT initiation within the Eurozone. In 2017, Singapore created a taskforce including their Government Agencies such as the Monetary Authority of Singapore and Infocomm Media Development Authority to spearhead a system for e-payments using standardized QR code specifications. These specific dimensions are specialized for Singapore’s market. The e-payment system, Singapore Quick Response Code (SGQR), essentially merges various QR codes into one label which can be used by both parties in the payment system. This allows for various banking apps to facilitate payments between multiple customers and a merchant that displays the single QR code. A single SDQR label contains e-payments and combines multiple payment options. Once consumers spot the SGQR label, they will be able to scan it and see which payment options the merchant accepts. The SGQR scheme is co-owned by MAS and IMDA. Website login QR codes can be used to log into websites: a QR code is shown on the login