this post was submitted on 15 Feb 2025
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I mean if you get it in a mail and then use a qr code reader you should be able to skip the decode step if the qr code contents were included directly as a link. If the code does not contain a link, then using a qr code reader won't help I think, and there will be no way to forward it to the correct banking app.
Look if you can directly share the image with your banking app.
Or see if the qr code scanner in your banking app can open a local image file.
Typically QR based payment systems don't actually have a link. Rather they have a unique transaction id instead. End of the day as you said, it requires the payment app to support it. Here in Singapore, all the QR payment apps including Google Pay support selecting an image containing a QR from your phone's gallery to do it.