QRHUB — Cross-Border QR Payment Hub
QRHUB

QRHUB — Cross-Border QR Payment Hub

Cross-border QR payment interoperability hub linking UPI, Alipay+, QRIS, PromptPay, PayNow, DuitNow and PIX rails via SoundBox POS, web checkout and bank APIs.

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Product description

QRHUB is a cross-border QR payment interoperability platform built with HayotBank, connecting national QR payment schemes (UPI, Alipay+, QRIS, PromptPay, PayNow, DuitNow, PIX) and multilateral rails such as BIS Project Nexus into a single hub. It covers four payment flows - Local2Local, Foreign2Local, Local2Foreign and Foreign2Foreign - handling FX conversion, clearing and settlement between partner banks. Merchants accept payments via SoundBox P5 smart POS devices, mobile apps, web checkout, or direct API integration (validation-qr, create-qr, status-qr, set-status, callback, clearing). The enterprise architecture spans a channel layer (mobile, POS, web, SoundBox), an API gateway, core engines (QR processing, routing, FX, clearing, settlement, notifications) and management/monitoring (merchant management, fraud monitoring, reporting, audit). Revenue comes from SaaS and device fees, FX/settlement spread, and API monetization.

Product functions

  • Multi-scheme QR interoperability (UPI, Alipay+, QRIS, PromptPay, PayNow, DuitNow, PIX)
  • Four payment flows: Local2Local, Foreign2Local, Local2Foreign, Foreign2Foreign
  • SoundBox P5 smart POS with 4G/Wi-Fi and audio payment confirmation
  • Bank/partner API suite: validation-qr, create-qr, status-qr, set-status, callback, clearing

Security

  • API Key
  • JWT / OAuth2
  • Mutual TLS
  • VPN
  • WAF

Integrations

  • HayotBank
  • Freedom Bank
  • TezQR
  • QROnline
  • RahmatQR

Deployment & Launch

  1. Demo & RequirementTask analysis and requirements definition
  2. Setup & IntegrationSolution setup and integration with systems
  3. LaunchTesting and production launch
  4. SupportSupport and growth after launch

Business Impact

  • Enables cross-border QR payments across incompatible national schemes
  • Reduces FX and settlement costs for partner banks and merchants
  • Accepts payments via SoundBox P5 POS, mobile, web checkout, or API integration
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QRHUB — Cross-Border QR Payment Hub
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