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Request to Pay via QR Code

Enable flexible digital payments generating QR codes for your customers
  • Create static and dynamic QR codes for flexible invoice data management
  • Generate QR codes as image or text for easy retrieval of invoice data during payment
  • Manage QR codes individually or in bulk
  • Reconcile the receivables through the callback function
  • Use immediate and scheduled invoices
  • Create a payment link to collect payment via a QR code URL

Capabilities

The Request to Pay via QR Code API supports using Payment Links and Payment Requests to manage payment invoices, payment links, and QR code creation.

Payment Link

Create a URL where your payment request details will be hosted.

Payment Request

Create an invoice for payment collection.

QR Codes

Use QR codes to store and link to payment request information.

How it works

Request to Pay via QR Code is a real-time payment solution that allows you create, change, cancel, search, and reconcile payment requests. You can generate request individually or in bulk, making it suitable for both online and in-store transactions.

By integrating with your ERP (Enterprise Resource Planning) systems, you can send a request to J.P. Morgan to generate a QR Code. The QR code is then presented to the buyer, who scans it and completes the payment using their preferred banking app. Once J.P. Morgan receives the payment, it is matched against your payment request. A conformation notification is sent, ensuring seamless transaction tracking and reconciliation.

Note

For online payments, buyers can use the copy & paste content to retrieve the invoice data.

Update or cancel a Payment Request

You can update or cancel your Payment Request as long as its status is active (i.e., not cancelled or settled). However, the unique ID assigned by either you or J.P. Morgan cannot be changed at any time.

A request for payment can be cancelled when the status is active. A cancelled payment cannot be updated or continue processing for payment.

Expiration

When a payment request moves past a due date set by the parameters of the request, the payment request is moved into a terminal expired state and cannot be paid.

Notification Service

Whenever a Request to Pay is settled or returned (refunded), the payment information and any related return (devolution/refunds) data will be made available to support the reconciliation process.  

Other statuses (e.g., expired, cancelled, processing) can be automatically notified if you have subscribed to this service.

Payment Links are a resource to reserve a URL to link with a Payment Request. You can generate a QR code image, then print or send the code (copy and paste URL) to your business. 

How to

Create a payment request

Learn how to create a payment request invoice.

Get the payment request status

Learn how to query your payment request status.

Change or cancel a payment request

Learn how to update or deactivate your active payment requests.

Create a payment link

Learn how to create printed and offline QR codes for point of sale payment.

Availability

The Request to Pay via QR Code API is currently only available in Brazil.

Next Steps

Getting started

Complete the onboarding process to ensure everything you need.