The FedNow initiation layer. Making instant payments as intuitive as tapping a credit card.
FedNow settles in seconds — but typing routing and account numbers takes minutes and causes errors. JJ-QRCode replaces manual data entry with a single scan, instantly translating any QR payload into the exact ISO 20022 message FedNow requires.
How It Works — Core Mechanics
Our engine connects the physical and digital interface directly to the FedNow rail. No card networks, no intermediaries, no fees.
JJ-QRCode scans the QR, decodes the payload, and formats it into the exact ISO 20022 message required by the Federal Reserve — instantly, without manual review.
Single-use codes with embedded amounts, expiration times, and invoice IDs. Ideal for e-commerce checkouts, accounts receivable, and digital billing.
Fixed codes for physical merchants or recurring payments. The customer scans, enters the amount, and the transaction completes on FedNow — bypassing card rails entirely.
From scan to settled funds in under a second. Real money, real time — leveraging the full speed of the FedNow rail.
Use Cases
B2B — Invoicing & Accounts Receivable
A company embeds a Dynamic QR on a PDF invoice. The client scans it. Payment settles instantly via FedNow, with the exact invoice ID attached as metadata for automated reconciliation. No more manual matching, no more reconciliation lag.
B2C — Retail Checkout
A merchant displays a Static QR at the register. The customer pays directly from their bank account — bypassing traditional, high-fee card networks entirely. Lower transaction costs for the merchant, instant settlement, no chargebacks.
Writing the U.S. Standard
Our COO Caroline Cypriano is an active contributor to the ASC X9 working group developing the unified U.S. QR Code framework — modeled on the proven BR Code architecture that JD Consultores helped pioneer in Brazil. JJ-QRCode has been built directly on top of the X9 specifications, ensuring full interoperability with the U.S. instant payments ecosystem.
Join our founding partner program and bring scan-to-pay to your customers from day one of the U.S. QR standard rollout.