NACHA's Council for Electronic Billing and Payment issues guidelines for use of QR codes in consumer bill payment

US electronic payments association NACHA’s Council for Electronic Billing and Payment (CEBP) has issued final guidelines for the use of Quick Response (QR) codes in consumer bill payment.
Specifically, the QR encoding for Consumer Bill Pay Guidelines identify voluntary standards for using QR codes in both biller direct and consolidator/aggregator billing and payment models. It contains recommendations regarding QR code size, data to be included in the QR code and layout of the data represented in the QR code, among others. The goal of the guideines is to establish a single QR code format that can be printed on a paper bill and scanned by the consumer’s mobile phone using a biller, mobile banking or generic QR code reader. In this way, billers and service providers can enable QR encoding in a standardized format, providing certainty for biller and banking clients and ensuring a consistent experience for consumers.
The Council for Electronic Billing and Payment promotes the adoption and use of consumer, business, and government billing and payment programs and services across multiple delivery channels. Through three annual meetings, CEBP provides an open forum for education, resource development, solution innovation, research and the exchange of information about developments and trends in the electronic billing and electronic payment industries.


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