100% incorrect you may think you are using PP when in fact you are not, when I opened my banking app to explore PP just now, it asks for a recipients Ph No, not the say a QR scan won't work as it clearly does whether registered for PP or not, I only registered for PP 1 hour ago, I made the QR payment I mentioned above over 1 week ago as a test, now there may be some confusion on my part what the 15baht charge was for, it could have been an atm withdrawal I made a few days prior but it did come up on my phone screen when I completed the transaction, so the jury is out on that TBH, maybe when I completed the transaction it just flashed up recent transactions on my account and the 15baht was unrealated - yes confusing