Interoperable QR Payment
Centralized QR payment ecosystem
A centralized interoperable QR payment ecosystem connecting participating financial institutions through common payment infrastructure. The platform owns the QR lifecycle — generation, validation, merchant references and switching — so any participating institution can accept and route a payment without bilateral integration work.
- Centralized QR lifecycle for participating financial institutions
- Merchant reference generation and validation
- Payment switching across institutions over secure channels
- Mutual TLS between platform and institution endpoints


- 01MERCHANTReference issued and bound to the institution
- 02QR GENERATIONPayment payload created and signed
- 03VALIDATIONPayload, merchant and institution verified
- 04SWITCHINGTransaction routed to the issuing participant
- 05SETTLEMENTResult returned, recorded and reconciled
