Re: QR codes...established technology...most people know how to handle.
QR Codes are still active in America, probably thanks to a greater Asian exposure (you want to see QRs everywhere, go to Asia). There's also the Data Matrix barcode. It was here and there for a while but is now settling into a more-technical role in industrial applications.
I'll give you the nod about Chip-and-PIN. Thanks to an upcoming mandate from credit card companies regarding liability, Chip-and-PIN will be pushed into America over the next year. And as long as MCX is against any system other than its own current beast, NFC for payment will remain small potatoes (if MCX wises up and makes their system slimmer and less intrusive, then something might come of it, but not as it is now).