Countries or territories with the unified QR code payment system in Asia

author: bamboofirdaus/reddit, added on: 2025-07-18

bamboofirdaus:

The integrated QR code payment system (also known as a unified, national, standard, or common QR code) is a type of payment system that employs a standardized QR code format, enabling interoperability among multiple banks and e-wallet providers. This system allows consumers to make transactions by scanning a single QR code, regardless of the issuing institution of their payment app.

The system typically shares the following characteristics:

Using the EMVCo standards.

Operates through each country's domestic switching system, independent from global networks such as SWIFT, VISA, or MasterCard.

Developed and owned by each country's central bank and/or government authority.

Interoperability, allowing a single QR code to be scanned by various mobile banking or e-wallet apps.

Availability as an additional feature within existing mobile banking or e-wallet apps, rather than as standalone apps.

Availability for P2B (person-to-business/merchant) transactions, with optional support for P2P, P2G (person-to-government), B2B, B2G (business-to-government), etc.

Availability in both static and dynamic QR code formats.

Cross-border transactions compatibility, enabling foreign tourists to use their home country’s apps while abroad (e.g., Malaysian tourists using DuitNow to scan SGQR+ while in Singapore and vice versa).

Wikipedia article: https://en.wikipedia.org/wiki/QR_code_payment#Integrated_QR_code_payment_systems

Full resolution image: https://en.wikipedia.org/wiki/File:Integrated_QR_Code_Payment_Systems_in_Asia.svg

Edit 1: russia is not "In Development". they have one called SBP/СБП, the revision is on the wikipedia image link

Edit 2: for armenia and china, they technically dont have a brand or a logo for their unified QR payment. for china, I put UnionPay because they're using UnionPay network system for their QR payment. for Armenia, I will replace the PayX logo with IDram or the central bank's logo as soon as I got the time. for Pakistan, I will replace the logo with Raast, also as soon as I got the time

Edit 3: for anyone asking what's a QR code payment system, if it were compared to debit card contacless and apple/google pay, it would be:

. contactless/paywave apple pay/google pay unified QR code payment

seller's hardware card terminal card terminal QR code printed on a paper (or displayed on a monitor). a phone (for notification)

buyer's hardware debit card a phone with NFC a phone with camera

buyer's software - apple pay/google pay your mobile banking app (or e-wallet app)

method tap your debit card on a card terminal tap your phone on a card terminal scan the QR code using your mobile banking app

source of fund your debit card tied to a bank account your debit card tied to a bank account directly from your mobile banking app

fees 1-3% (VISA or mastercard) 1-3% (VISA or mastercard) + additional fee for google pay/apple pay 0-1% (free or almost free)

how to know transaction is completed and how much fund is transfered notifs on the card terminal (seller). there's no way of knowing (buyer). notifs on the card terminal (seller). notifs on the phone (buyer). notifs on the phone (buyer and seller). there's an optional bluetooth speaker that will play notif sound and mention the transaction nominal (seller)

what if there are multiple buyers they need to que to do transaction one by one since the seller needs to set up the card terminal for every transaction they need to que to do transaction one by one since the seller needs to set up the card terminal for every transaction they can scan the QR code simultaneously (the seller just need to print the QR code once)

other need to have and to maintain and to pay fees for the card terminal, and need electricity need to have and to maintain and to pay fees for the card terminal, and need electricity no need (very convenient for small sellers and street vendors)

Edit 4: the revision for armenia, cyprus, china, pakistan, turkmenistan, uzbekistan is on the wikipedia image link

.	contactless/paywave	apple pay/google pay	unified QR code payment
seller's hardware	card terminal	card terminal	QR code printed on a paper (or displayed on a monitor). a phone (for notification)
buyer's hardware	debit card	a phone with NFC	a phone with camera
buyer's software	-	apple pay/google pay	your mobile banking app (or e-wallet app)
method	tap your debit card on a card terminal	tap your phone on a card terminal	scan the QR code using your mobile banking app
source of fund	your debit card tied to a bank account	your debit card tied to a bank account	directly from your mobile banking app
fees	1-3% (VISA or mastercard)	1-3% (VISA or mastercard) + additional fee for google pay/apple pay	0-1% (free or almost free)
how to know transaction is completed and how much fund is transfered	notifs on the card terminal (seller). there's no way of knowing (buyer).	notifs on the card terminal (seller). notifs on the phone (buyer).	notifs on the phone (buyer and seller). there's an optional bluetooth speaker that will play notif sound and mention the transaction nominal (seller)
what if there are multiple buyers	they need to que to do transaction one by one since the seller needs to set up the card terminal for every transaction	they need to que to do transaction one by one since the seller needs to set up the card terminal for every transaction	they can scan the QR code simultaneously (the seller just need to print the QR code once)
other	need to have and to maintain and to pay fees for the card terminal, and need electricity	need to have and to maintain and to pay fees for the card terminal, and need electricity	no need (very convenient for small sellers and street vendors)

Collection: asia - Tags: asia, payment-systems - Source: reddit.com