Quick Response (QR) codes are a matrix barcode, used to optically store data in 2 dimensions in an efficient, machine-readable, and familiar format. Due to their ability to communicate data between devices, QR codes have become a popular tool for the execution of digital payments globally. Given their evident importance in the future of payment technology, and JoPACC’s vision of a digital economy, in 2019 JoPACC adopted the EMVCo QR-code standards for payments across its micro-and retail payment systems.

EMVCo is a consortium of the world’s largest payment system operators, with the ultimate aim of standardizing digital payment technology around the world, through providing open-source standards for various payment technology modalities. By adopting the EMVCo standards, JoPACC ensured that the payment ecosystem in Jordan remained coherent with international best-practices and interoperable.

JoPACC produced and circulated the Standard QR-Code for Payments documents to all players in the payment ecosystem, which detailed the technical specifications, and represented guidelines through which participants can interface the QR code with the existing payment systems.

The QR code for payments will be accessible and achievable for users of mobile wallets (through the Jordan Mobile Payment Switch -JoMoPay) and clients of banks (through CliQ – JoPACC’s Instant Payment System), and will enable users to make high frequency, low-value payments at merchant locations, as well as eCommerce platforms, and multiple other possible use cases. In March 2020, the Central Bank of Jordan endorsed JoPACC’s QR code standards and mandated all JoMoPay participants to enable this service to their clients by May of that year.



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