The QR Code E-billing Guidelines are now available!

September 26, 2012  |  Electronic Invoicing, Payment, Publications

To continue to provide the electronic payments industry with leading edge products, processes and solutions, NACHA (The Electronic Payments Association’s Council for Electronic Billing and Payment (CEBP)) has collaborated to develop Guidelines on Quick Response (QR) Codes Bill Payment.

QR Code E-billing

The Quick Response (QR) Encoding for Consumer Bill Pay Guidelines identifies proposed standards for using QR codes in both biller direct and consolidator/aggregator billing and payment models. It contains draft recommendations amongst others:

  • QR code size
  • data to be included in the QR code
  • layout of the data represented in the QR code

The guidelines will help establish a single QR code format that can reach consumers wherever they view and pay bills. The guidelines can be accessed by visiting the following link: https://cebp.nacha.org/QRcodes.

Comments from the industry

As the review deadline has passed, we looked at some comments from the industry:

  •  Chris Huppert, chair of CEBP and senior vice president of Wells Fargo:
    “To minimise complexity and to facilitate quicker market adoption of QR Codes, it is important to have clear industry standards for bill payment solution providers on how to use QR codes in a variety of bill payment scenarios.”

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    “In this way, bill payment providers can enable QR encoding in a standardised format providing certainty for biller and banking clients, and ensuring a consistent experience for consumers.”
  • Eric Dunn, senior vice president, Strategic Payment Initiatives for Intuit:
    “There has been growing interest in applying QR technology to transaction applications like bill payment to provide consumers with the opportunity to view statements, enroll for eBills, make payments, and set up payees in online banking applications.”
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    “As a member of the council, Intuit is pleased to work with NACHA and the CEBP membership on this particular initiative, as it has the industry representation of bill pay stakeholders and the forum needed to develop effective QR guidelines for bill pay.”

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