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Receivables

Using Payment Request QR Code generation parameters

Use the Request to Pay API to generate market-specific QR codes that help customers initiate payments across supported payment schemes. This page highlights the key fields required to create QR codes in each supported market and shows where requirements differ by country, payment scheme, and QR code type. QR codes can be returned as Base64-encoded images and, in some markets, as QR payload text.

Attention

These parameters are subject to change as we test and add support for additional markets.

Tip

Review the requirements for your target market before you start coding. This page provides an overview of commonly required fields. For complete field definitions and all available conditional and optional parameters, see the API specification.

This approach keeps the overview focused on what the feature does, while the disclaimer and tip remain easy to scan and don't distract from the value proposition. It also aligns well with the content pattern used across the Payments Developer Portal.

Asia Pacific

Hong Kong (FPS)

Hong Kong (FPS) Static QR

Hong Kong (FPS) Static QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required

Payment requested for country/market.

     Value must be HK.
endToEndId Optional

End to end ID (customer's reference) provided by customer for QR code generation. If not provided by customer, will be generated by J.P. Morgan.

Note: This field is applicable only if the client is setup as FPS Merchant.

   25 Will generally appear as EndToEndId of the incoming payment for the QR code.

creditor.account.

schemeName.proprietary

 Required Proxy type    

Accepted values are:

  • SVID - FPS identifier
  • MOBN - Mobile number
  • EMAL - Email ID

creditor.account.

alternateAccountIdentifier

 Required Proxy value   34 Provide the full proxy value.
qrCodeType Required Type or QR code     Value must be STATIC
currency 

Required

 3-digit ISO currency code     Accepted values are HKD or CNY.
paymentAmount Optional QR code amount 

0.01

 13 characters  
 isAmountAdjustable Conditional

Required when paymentAmount is provided.

    
  • true = QR amount is editable.
  • false = QR amount is not-editable
requestMethodType Required       Value must be QR_CODE.
contentType Optional       If provided, value must IMAGE.

correctionLevel

 Optional Image correction level    

Accepted values are Low/Medium/Quartile/High.

Default (if not specified) is Medium 
imageWidth  Optional Image width 400

1,000

 Default is 400 pixels.

Hong Kong (FPS) Dynamic QR

Hong Kong (FPS) Dynamic QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required Payment requested for country/market.     Value must be HK.
endToEndId Optional

End to end ID (customer's reference) provided by customer for QR code generation. If not provided by customer, will be generated by J.P. Morgan.

Note: This field is applicable only if the client is setup as FPS Merchant.

   25 Will generally appear as EndToEndId of the incoming payment for the QR code.

creditor.account.

schemeName.proprietary

 Required

Proxy type

    

Accepted values are:

  • SVID - FPS identifier
  • MOBN - Mobile number
  • EMAL - Email ID

creditor.account.

alternateAccountIdentifier

 Required Proxy value   34

Provide the full proxy value.
qrCodeType Required Type or QR code     Value must be DYNAMIC.
currency  Required 3-digit ISO currency code     Accepted values are HKD or CNY.
paymentAmount Optional QR code amount 

0.01

 13 characters  
isAmountAdjustable Conditional Required when paymentAmount is provided.    
  • true = QR amount is editable.
  • false = QR amount is not-editable
expiresAt Required

Specify a datetime stamp in valid RFC 3339 section 5.6, ISO 8601 compliant format for expiration.

For example, YYYY-MM-DDThh:mm:ss+/-time offset to UTC.

     QR code expiry date & time
expirationType Required        Value must be SCHEDULED.
requestMethodType Required       Value must be QR_CODE.
contentType Optional      

If provided, value must IMAGE.
correctionLevel Optional Image correction level    

Accepted values are Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

India (UPI)

India (UPI) Static QR

India (UPI) Static QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required Payment requested for country/market.     Value must be IN.
endToEndId Required End to end ID (Transaction Reference ID or customer's reference) provided by customer for QR code generation.    35 Will generally appear as Transaction Reference ID or Credit Reference of the incoming payment for the QR code.

 creditor.account.

schemeName.proprietary

 Required

Proxy type

     Value must be UPIID.

creditor.account.

alternateAccountIdentifier

 Required Proxy value   128 Provide the full proxy value.
creditor.taxpayerCategory Conditional

Applicable and Mandatory for GST/Tax QR

     Accepted value is CORPORATE.
creditor.taxId Conditional

Applicable and Mandatory for GST/Tax QR

     Provide GSTIN.
qrCodeType Required

Type or QR code

     Value must be STATIC.
currency  Required

3-digit ISO currency code

     Value must be INR.
paymentAmount Optional

QR code amount

Transaction amount is optional for static and Mandatory for dynamic QR.

 1.00 13 characters  
expiresAt Optional

Specify a datetime stamp in valid RFC 3339 section 5.6, ISO 8601 compliant format for expiration.

For example, YYYY-MM-DDThh:mm:ss+/-time offset to UTC.

     QR code expiry date & time
expirationType Conditional Provide SCHEDULED if expiry date/time is provided in expiresAt. Mandatory for Dynamic QR. Optional for Static QR.     Value must be SCHEDULED if expiresAt is provided.
taxBreakUp Conditional

Applicable and Mandatory for GST/Tax QR

Tax breakup. 

   200  
invoiceNumber Conditional

Applicable and Mandatory for GST/Tax QR

Invoice number.

   20  
invoiceDate Conditional

Applicable and Mandatory for GST/Tax QR.

Invoice date & time.

      
Reference Optional Additional reference (Transaction Note) for payer.    50  
requestMethodType Required       Value must be QR_CODE.
contentType

Optional

      

If provided, value must IMAGE.
correctionLevel Optional Image correction level    

Accepted values are Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

India (UPI) Dynamic QR

India (UPI) Dynamic QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required Payment requested for country/market.     Value must be IN.
endToEndId Required End to end ID (Transaction Reference ID or customer's reference) provided by customer for QR code generation.    35 Will generally appear as Transaction Reference ID or Credit Reference of the incoming payment for the QR code.

 creditor.account.

schemeName.proprietary

 Required

Proxy type

     Value must be UPIID.

creditor.account.

alternateAccountIdentifier

 Required Proxy value   128 Provide the full proxy value.
creditor.taxpayerCategory Conditional

Applicable and Mandatory for GST/Tax QR.

     Accepted value is CORPORATE.
creditor.taxId Conditional

Applicable and Mandatory for GST/Tax QR.

     Provide GSTIN.
qrCodeType Required

Type or QR code

     Value must be DYNAMIC.
currency  Required

3-digit ISO currency code

     Value must be INR.
paymentAmount Required

QR code amount

Transaction amount is required for Dynamic QR and optional for Static.

 1.00 13 characters  
expiresAt Required

Specify a datetime stamp in valid RFC 3339 section 5.6, ISO 8601 compliant format for expiration.

For example, YYYY-MM-DDThh:mm:ss+/-time offset to UTC.

     QR code expiry date & time
expirationType Required       Value must be SCHEDULED.
taxBreakUp Conditional

Applicable and Mandatory for GST/Tax QR

Tax breakup. 

   200  
invoiceNumber Conditional

Applicable and Mandatory for GST/Tax QR

Invoice number.

   20  
invoiceDate Conditional

Applicable and Mandatory for GST/Tax QR.

Invoice date & time.

      
Reference Optional Additional reference (Transaction Note) for payer.    50  
requestMethodType Required       Value must be QR_CODE.
contentType

Optional

    

If provided, value must IMAGE.
correctionLevel Optional

Image correction level

    

Accepted values Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

Singapore (FAST)

Singapore (FAST) Static QR

Singapore (FAST) Static QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country

Required

Payment requested for country/market.

    

Value must be SG.
endToEndId Optional End to end ID (customer's reference) provided by customer for QR code generation. If not provided by customer, will be generated by J.P. Morgan.    25 Will generally appear as EndToEndId of the incoming payment for the QR code.

 creditor.account.

schemeName.proprietary

 Required

Proxy type

     Value must be UEN.

creditor.account.

alternateAccountIdentifier

 Required Proxy value   21

Provide the full proxy value.
qrCodeType Required

Type or QR code

     Value must be STATIC.
currency  Required 3-digit ISO currency code     Value must be SGD.
paymentAmount Optional QR code amount  0.01

200,000.00

  
 isAmountAdjustable Conditional

Required when paymentAmount is provided.

    
  • true = QR amount is editable 
  • false = QR amount is not-editable
expiresAt Optional

Specify a datetime stamp in valid RFC 3339 section 5.6, ISO 8601 compliant format for expiration.

For example, YYYY-MM-DDThh:mm:ss+/-time offset to UTC.

    

QR code expiry date & time
expirationType Conditional

Provide SCHEDULED if expiry date/time is provided in expiresAt. Mandatory for Dynamic QR. Optional for Static QR.

     Value must be SCHEDULED if expiresAt is provided.
requestMethodType Required      

Value must be QR_CODE.
contentType Optional       If provided, value must IMAGE.
correctionLevel Optional

Image correction level

    

Accepted values are Low/Medium/Quartile/High.

Default (if not specified) is Medium 
imageWidth  Optional

Image width

 400

1,000

Default is 400 pixels.

Singapore (FAST) Dynamic QR

Singapore (FAST) Dynamic QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required Payment requested for country/market.     Value must be SG.
endToEndId Optional End to end ID (customer's reference) provided by customer for QR code generation. If not provided by customer, will be generated by J.P. Morgan.    25 Will generally appear as EndToEndId of the incoming payment for the QR code.

creditor.account.

schemeName.proprietary

 Required Proxy type     Value must be UEN.

creditor.account.

alternateAccountIdentifier

Required

 Proxy value   21 Provide the full proxy value.
qrCodeType Required Type or QR code     Value must be DYNAMIC.
currency  Required

3-digit ISO currency code

     Value must be SGD.
paymentAmount Optional QR code amount  0.01

200,000.00

  
 isAmountAdjustable Conditional Required when paymentAmount is provided.    
  • true = QR amount is editable
  • false = QR amount is not-editable
expiresAt Required

Specify a datetime stamp in valid RFC 3339 section 5.6, ISO 8601 compliant format for expiration.

For example., YYYY-MM-DDThh:mm:ss+/-time offset to UTC.

     QR code expiry date & time
expirationType Required       Value must be SCHEDULED.
requestMethodType Required       Value must be QR_CODE.
contentType Optional       If provided, value must IMAGE.
correctionLevel Optional

Image correction level

    

Accepted values are Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

Latin America (LATAM)

Brazil (PIX)

Brazil (PIX) Static QR

Brazil (PIX) Static QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required Payment requested for country/market.     Value must be BR.

 creditor.account.

schemeName.proprietary

 Required

Proxy type

     Supported values:
  • CPF - Tax ID of individual
  • CNPJ - Tax ID of corporate
  • EVP - Random key
  • EMAL - Email ID
  • MOBN - Mobile number

creditor.account.

alternateAccountIdentifier

 Required Proxy value   77 Provide the full proxy value.
creditor.name Optional     25  
currency  Required

3-digit ISO currency code

     Value must be BRL.
paymentAmount Optional QR code amount 0.01 18 characters  
Reference Optional Text to be presented to the payer so that payer can enter related information in free format, to be sent to the recipient.   140  

additionalInformation.valueType &

additionalInformation.text

 Optional Additional information provided by the client for the Payment Request expressed as array of key/value pairs.   200  
requestMethodType Required       Accepted value NONE or QR_CODE.
qrCodeType

Required

 Type or QR code.    

Value must be STATIC.
contentType Optional       Accepted values are IMAGE or TEXT_ONLY.
correctionLevel Optional Image correction level    

Accepted values are Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

Brazil (PIX) Immediate Dynamic QR

Brazil (PIX) Immediate Dynamic QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country

Required

Payment requested for country/market

     Value must be BR.
Debtor.debtorName

Required

 Debtor name   200  
Debtor.debtorAddress Optional Debtor address      
Debtor.taxInformation. taxpayerCategory Conditional Debtor tax category     Supported values Individual or Corporate.
Debtor.taxInformation. taxid Conditional Debtor tax ID 11 14
  • Individual - CPF: 11
  • CORPORATE - CNPJ: 14

creditor.account.

schemeName.proprietary

 Required Proxy type     Supported values:
  • CPF - Tax ID of individual
  • CNPJ - Tax ID of corporate
  • EVP - Random key
  • EMAL - Email ID
  • MOBN - Mobile number

creditor.account.

alternateAccountIdentifier

 Required Proxy value   77 Provide the full proxy value.
creditor.name Optional     25  
Creditor.Address Optional        
creditor.taxpayerCategory Required Applicable only for Dynamic QR Codes.     Accepted values are INDIVIDUAL OR CORPORATE.
creditor.taxId Required Applicable only for Dynamic QR Codes.    
  • Individual - CPF: 11
  • CORPORATE - CNPJ: 14
expirationType Required       Value must be IMMEDIATE.
Duration Required Specify how long (in seconds) the request is valid. ISO 8601 compliant duration. For example, a validity of 5 minutes will be represented as 300. If duration unspecified, a default duration of 86400 seconds (for example, 24 hours) will be considered.      
currency  Required

3-digit ISO currency code

     Value must be BRL.
paymentAmount Optional QR code amount. 0.01 18 characters  
 isAmountAdjustable Required Required when paymentAmount is provided.    
  • true = QR amount is editable
  • false = QR amount is not-editable
Reference Optional Text to be presented to the payer so that payer can enter related information in free format, to be sent to the recipient.   140  

additionalInformation.valueType &

additionalInformation.text

 Optional Additional information provided by the client for the Payment Request expressed as array of key/value pairs.   200  
requestMethodType Required       Accepted value NONE or QR_CODE.
qrCodeType Required Type or QR code     Value must be DYNAMIC.
paymentLinkId Optional Unique Payment Link ID generated by J.P. Morgan if already assigned.      
contentType Optional       Accepted values are IMAGE or TEXT_ONLY.
correctionLevel Optional Image correction level    

Accepted values Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

Brazil (PIX) Due-Date Dynamic QR

Brazil (PIX) Due-Date Dynamic QR
Field Required/Conditional/Optional Description Minimum Maximum Notes
country Required Payment requested for country/market     Value must be BR.
Debtor.debtorName Required Debtor name   200  
Debtor.Address Required Debtor address      
Debtor.email Required Debtor email address      
Debtor.taxInformation. taxpayerCategory Required Debtor tax category     Supported values Individual or Corporate.
Debtor.taxInformation. taxid Required Debtor tax ID 11

14
  • Individual - CPF: 11
  • CORPORATE - CNPJ: 14

creditor.account.

schemeName.proprietary

 Required Proxy type     Supported values:
  • CPF - Tax ID of individual
  • CNPJ - Tax ID of corporate
  • EVP - Random key
  • EMAL - Email ID
  • MOBN - Mobile number

creditor.account.

alternateAccountIdentifier

 Required Proxy value   77 Provide the full proxy value.
creditor.name Optional     25  
creditor.shortName Optional        
Creditor.Address Optional        
creditor.taxpayerCategory Required Applicable only for Dynamic QR Codes.     Accepted value is INDIVIDUAL OR CORPORATE.
creditor.taxId Required Applicable only for Dynamic QR Codes.    
  • Individual - CPF: 11
  • CORPORATE - CNPJ: 14
expirationType Required       Value must be DUE-DATE.
paymentDueDate Required Provide the due date.      
gracePeriod Required Number of consecutive calendar days after payment due date, by which payment can be still be made. Beyond this date, QR code will be expired and it impacts any applicable discounts and might results in penalty.      
currency  Required 3-digit ISO currency code     Value must be BRL.
paymentAmount Optional QR code amount  0.01 18 characters  
interestType & interestParameters Optional Parameters to calculate interest for the payments overdue.      
discountType & discountParameters Optional Parameters to calculate discount based on actual payment.      
penaltyType & penaltyParameters Optional Penalty parameters expressed as a fixed value or percentage of payment amount.      
reductionType & reductionParameters Optional Reduction details expressed either as a fixed value or percentage of payment amount.      
Reference Optional Text to be presented to the payer so that payer can enter related information in free format, to be sent to the recipient.   140  

 additionalInformation.valueType &

additionalInformation.text

 Optional Additional information provided by the client for the Payment Request expressed as array of key/value pairs.   200  
requestMethodType Required       Accepted value NONE or QR_CODE.
qrCodeType Required Type or QR code     Value must be DYNAMIC.
paymentLinkId Optional Unique Payment Link ID generated by J.P. Morgan if already assigned.      
contentType Optional       Accepted values are IMAGE or TEXT_ONLY.
correctionLevel Optional Image correction level    

Accepted values Low/Medium/Quartile/High.

Default (if not specified) is Medium.
imageWidth  Optional Image width 400 1,000 Default is 400 pixels.

To view example Payment Request QR Code generation requests for different markets, see the API specification.

Next steps

Learn more about available resources.