TheASEAN Integrated QR Code Payment System is a 2023 initiative byASEAN for an integratedQR code payment systems. It was part of ASEAN's Local Currency Transaction (LCT) Framework. The initiative was aimed at using local currencies and reduced dependence on certain currencies, particularly theUS dollar, in cross-border transaction among ASEAN countries.[1][2]
At the 10th joint meeting of the ASEANFinance Ministers and Central Bank Governors, held in Jakarta, Indonesia, on 25 August 2023, the group committed to integrating each country's QR payment systems as part of the Financial Integration and Liberalisation agenda.
As of 2024, the following QR payment systems were or would soon be included in the integrated payment system:
| Country | QR Code Payment System | Authority/Owner | National QR Integration Launch Date | Cross-Border QR Linkage Launch Date | Notes |
|---|---|---|---|---|---|
 Malaysia | DuitNow QR
| PayNet andBank Negara Malaysia | 10 December 2018 | DuitNow allows all participating banks and e-wallets in Malaysia to use the same QR Code for transactions. It is launched byPayNet under theBank Negara Malaysia's Interoperable Credit Transfer Framework (ICTF). Some of the banks and e-wallets that support this payment system areMaybank,Hong Leong Bank,CIMB,HSBC,Touch 'n Go eWallet,GrabPay, Setel,ShopeePay,OCBC,UOB,ICBC, and more.[7] | |
 Cambodia | KHQR
| Soramitsu andNational Bank of Cambodia | 26 June 2020 | KHQR is Cambodia national QR payment standard part of Bakong System launched in 26 June 2020. KHQR is developed by National Bank of Cambodia and Soramitsu (Japanese-Swiss fintech company).[11][12] | |
 Laos | LAO QR
| Bank of the Lao PDR | 29 January 2020 | LAO QR is a unified QR payment system in Laos. The Bank of the Lao PDR held an official launch on 29 January 2020, with the presence of BOL Governor, Mr. Sonexay Sithphaxay, senior officials from the Bank of Lao PDR, representatives from relevant ministries, and commercial banks financial institutions, Fintech, WB Group, andUnion Pay.[15] | |
 Myanmar | MMQR (MyanmarPay)
| Central Bank of Myanmar | 4 March 2025 | - | MyanmarPay (MMQR) is a unified QR code payment system in Myanmar. MMQR ensures seamless interoperability across banks, mobile wallets, and payment platforms. MyanmarPay owned and regulated by theCentral Bank of Myanmar and operated by PayPlus Co., Ltd.[16][17][18] |
 Philippines | QR Ph (National QR Code Standard)
| PPMI andBangko Sentral ng Pilipinas | 20 November 2019 | - | QR Ph is the QR code standard in the Philippines, approved by the Philippines Payment Management, inc. (PPMI) in accordance with circular 1055 of theBangko Sentral ng Pilipinas. The system is based on theEuropay-Mastercard-VISA (EMV) standard, allowing one QR Code to serve transactions from different banks and e-wallets.[19] |
 Indonesia | QRIS
| Bank Indonesia | 17 August 2019 | QRIS combines all the separate QR codes from different payment services into a single QR code that merchants can use to receive payments from any e-wallets or banks that support QRIS. All payment services in Indonesia are required to support QRIS, includingGoPay,OVO,Dana,LinkAja,ShopeePay,BCA,BNI,BRI,Mandiri,BSI,Bank Muamalat,Bank Mega,Allo Bank,Bank Danamon,Permata Bank,CIMB Niaga,SeaBank,MNC Bank, etc.[21] | |
 Singapore | SGQR+ (NETS QR)
| MAS andIMDA | 17 September 2018 | SGQR combines multiple QR codes used by multiple payment services in Singapore, includingDBS Bank,PayNow and NETS, into one QR code.[23] This scheme is co-owned byMAS andIMDA.[24] SGQR+ is the successor of SGQR, it supports interoperability and cross-border function.[25][26] | |
 Thailand | Thai QR Payment (PromptPay QR)
| Bank of Thailand | 30 August 2017 | Thai QR Payment (PromptPay) integrates QR payment systems in Thailand. It was launched by theBank of Thailand.[27] | |
 Vietnam | VietQR
| NAPAS | 15 June 2021 | VietQR is the national QR code payment standard for Vietnam, launched as a collaborative effort by the National Payment Corporation of Vietnam (NAPAS) in partnership with several major banks, includingVietcombank,BIDV,VietinBank, andAgribank. VietQR aims to streamline digital transactions across various financial platforms by using a unified QR code format that supports interoperability among different banks and e-wallets.[28] |
