Open standard. Royalty-free. No lock-in.
One integration.
Every merchant in the ecosystem.
Add e-QR support to your banking app and let your customers pay any merchant that accepts e-QR — with a single open standard integration.
WHY NOW
SCT Inst is mandatory.
The merchant-facing layer has been missing.
EU 2024/886 mandates SCT Inst for all PSPs
Fee parity with standard credit transfers
Verification of Payee already live — e-QR extends this principle to POS
INTEGRATION
Implement once. Connect to all e-QR merchants.
1
Implement the e-QR payload parser (open spec)
2
Validate merchant signature against the Merchant Registry API
3
Pre-fill transfer in your app UI — customer confirms
4
Execute SCT Inst — settlement in <10 seconds
BENEFIT
What your customers get
Seamless in-app payment at any e-QR merchant
No redirection, no third-party app
Same trusted bank UI they already use
GOVERNANCE
No single bank controls the standard.
e-QR is governed by a non-profit MTÜ. Banks participate in the Advisory Board. Specification is public and royalty-free.
e-QR way
One standard, one registry, works everywhere
Old way