Documents
Whitepaper v1.2 (Published)
Architecture, governance, scope, and implementation roadmap
Includes:
European retail payment context and A2A opportunity
Problem analysis (fragmentation, merchant acceptance costs, interoperability gaps)
Alignment with EU instant payments strategy and SCT Inst
High-level architecture (payment payload model, Merchant Registry, conceptual flows)
Governance model (MTÜ stewardship, Technical Operator separation)
Implementation roadmap
Risk considerations and mitigations
Technical Specification v0.1 (Draft, Non-normative)
QR model, Registry, PSP rules
Draft v0.1 is non-normative. v1.0 is normative.
Includes:
Payment payload specification (QR carrier profile in v0.1)
Merchant Registry data model
Registry lookup and validation interface (resolver)
Error handling and response codes
Static vs dynamic merchant-presented flow rules
Conformance requirements and certification principles
Risk considerations and mitigations
Communications
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