Receivables

Request to Pay via QR Code

Facilitate digital payments by generating QR codes for your customers

Create static and dynamic QR codes for flexible invoice data management
Generate QR codes as images or text via API for easy retrieval of invoice data during payment

Reconcile receivables through callback notifications
Managing QR codes individually is available globally, while bulk generation of scheduled QR codes is only available in Brazil

Attention

Developers in Brazil can use either the global API or the Brazil-localized API, depending on their needs or integration requirements.

Capabilities

The Request to Pay via QR Code API allows you to create and manage QR codes for digital payments

Payment Links

Create a URL where your payment request details are hosted. This feature is currently available only in Brazil.

QR Codes

Generate scheme-specific QR codes with payment request details. In Brazil, use a payment link or payment request, and in other markets, use the payment request API to generate QR codes.

How it works

Request to Pay via QR Code is a digital payment solution that allows you to create, update, cancel, search, and reconcile payment requests. You can generate requests individually or in bulk, making it suitable for online and in-store transactions, invoicing, and various other use cases.

By integrating with your Enterprise Resource Planning (ERP) system, you can send a request to J.P. Morgan to generate a QR code. Present the QR code to your buyer, counterparty, or payer, who scans it and completes the payment using their preferred banking app. Once we receive the payment, we match it to your payment request and send a status change notification to support transaction tracking and reconciliation.

Note

For online payments in select markets, buyers can copy and paste QR data to complete their payment.

Managing payment requests

Update or cancel: You can update or cancel your QR or payment request as long as its status is active (not cancelled, settled, or expired). The update feature is only available in Brazil.
Expiration: When a payment request passes its due date or scheduled expiry date, it moves into a terminal expired state and cannot be paid.

Notification service

Whenever a payment request is settled or returned, payment information and any related return data will be made available to support reconciliation. Other statuses such as expired, cancelled, or processing can also trigger notifications if you have subscribed to this service.

Payment links (Brazil only)

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

Bulk QR code generation (Brazil only)

The Bulk QR Code API allows you to generate up to 25 QR codes in a single call. Each item in the batch can include specific details such as amount, due date, description, and external identifier allowing for detailed control over each transaction.

Scheme-specific services

The Request to Pay via QR Code API offers both global and market-specific versions to meet local requirements. The global API is available in English and supports multiple regions. For Brazil, in addition to the global API, we also provide a local API in Portuguese with support for Pix (including Cob, CobV, and related APIs). Choose the version that best fits your market and language needs. For more information, see the Request to Pay via QR Code Brazil API documentation.

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.

Create QR codes in bulk

Learn how to create up to 25 QR codes in a single API call.

Availability

The Request to Pay via QR Code API is currently available only in the following regions and markets:

Availability
Regions	Market/Scheme
Latin America (LATAM)	Brazil (Pix)
Asia	Singapore (PayNow)
	Hong Kong (FPS)
	India (UPI) (Coming soon)

Please reach out to our sales contacts in the respective markets for further information.

Next Steps

Getting started

Complete the onboarding process to get started.