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MYQR OS · Payment orchestration

One Handle.
Every Payment. Any Rail.

One code at the counter. Behind it, routing selects the best available rail for that payment — bank, wallet, card network or national QR — automatically, without exposing account details to anyone in the transaction.

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MYQR OS · Concept Preview
Counter payment

EUR18.40

Choosing rail
Available rails
  • BankSelected
  • WalletReady
  • Card networkReady
  • National QRReady

Orchestration decides, per payment. Value settles on the rails of licensed institutions.

MYQR OS · Identity
What is MYQR

A financial operating system.

Payments are fragmented. Account numbers. Wallet IDs. QR standards. Bank rails. Every rail works. None of them work together.

MYQR is the operating system underneath: one financial identity, orchestrated across every layer of the payment stack — from the first handle to final settlement. Read the thinking behind it in How MYQR Thinks.

  1. IdentityOne universal handle for every payment
  2. WalletValue held, ready to move
  3. Merchant AcceptanceAny business can be paid
  4. Bill PresentmentBills arrive where the identity lives
  5. Bill PaymentSettled from the same handle
  6. SettlementFunds land on existing rails
  7. Cross-borderThe handle doesn't stop at borders
  8. Embedded FinanceThe stack, available inside any platform
A customer presents a QR code on a phone at a counter scanner.

Counter acceptance · Platform & Merchant Payments

Merchant acceptance

One onboarding. Every channel.

A merchant becomes payable at the counter, online and inside partner apps through one identity — and closes the books from one settlement.

MYQR OS · Concept Preview
Today's salesmyqr.at/kopi-lama
Settled

EUR4,350.00

Counter QR2,480118 payments
Online1,64052 payments
In-app2309 payments

Illustrative concept interface. Not a live product screenshot; figures are examples.

MYQR OS

Different surfaces. One operating system.

Identity, payment and acceptance are the same system seen from three sides. Each surface uses the same frame, the same states and the same numerals.

MYQR OS · Concept Preview
myqr.at/pedroVerified
Preferred receiving account
  • Wallet01
  • Bank02
  • Apple Pay03

Identity card. Illustrative concept interface — not a live screenshot.

MYQR OS · Concept Preview
Send

EUR100.00

Pedro Santosmyqr.at/pedro
Resolving
Confirm

Payment card. Illustrative concept interface — not a live screenshot.

MYQR OS · Concept Preview
Today's sales Settled 08:00

EUR4,350.00

Settled4,120.00Partner rails
Pending230.00Next batch

Merchant dashboard. Illustrative concept interface — not a live screenshot.

Platform

The orchestration layer.

Six capabilities, one flow — identity in, settlement out.

Financial Identity

One human-readable handle replaces every account number, wallet ID and QR string a person or business owns.

Explore →

Payment Orchestration

Routing logic finds the best available rail for every payment — automatically, without exposing account details.

Explore →

Wallet

Stored value attached to the identity — funded, held and spent through the same universal handle.

Explore →

Merchant

Acceptance for any business — from QR at the counter to programmatic checkout — with one onboarding.

Explore →

Bill Presentment

Bills are delivered to the identity, not a postal address or an app silo — presented once, payable anywhere.

Explore →

Settlement

Funds land on the rails institutions already run — banks, wallets, cards, national QR systems.

Explore →
Merchant payments

Accept payments your customers already know.

MYQR is not another standalone QR scheme. It is a single identity layer designed to connect the payment methods customers already carry — bank, wallet, card and national QR — through one merchant onboarding and one settlement.

Merchant Payments solution →

A café owner at his counter reviews a MYQR merchant screen showing today's sales and an acceptance QR code.

Counter acceptance · interface shown is an illustrative concept

Use Cases

Start with the outcome.

People don't buy payment infrastructure. They buy what it does.

Send MoneyPay anyone by handle Get PaidOne identity, every channel Pay BillsPresented and settled in one place Accept PaymentsCounter, online, in-app Pay DriversEarnings straight to the wallet Send Money HomeCross-border, same handle Connect Payment SystemsNational rails, interoperating

All ten use cases, each with its flow →

A driver in his car holds up a phone showing a MYQR driver wallet with earnings and payouts.

Driver payout · interface shown is an illustrative concept

Driver economy

Drivers get paid faster.

MYQR enables real-time earnings, wallet balances and payout orchestration for mobility platforms.

Driver Wallet journey →

Bill presentment & payment

Present bills. Accept payments. Settle intelligently.

Presentment, payment and settlement are one orchestrated flow on MYQR: a bill is presented to an identity, paid from any connected method, and settled — designed to connect through licensed acquiring partners.

Bill Presentment journey →

A café attendant presents a MYQR scan-to-pay code at the counter.

Scan-to-pay presentment · in-store

Ecosystem

One identity. An entire ecosystem.

MYQR is designed as the orchestration layer for a family of platforms that move people, goods and money.

MYQR

Universal Identity

Mobility

JAYRIDE

FAIRYDE

Wallets

Government

Social Pay

Benefits

Bill Pay

Commerce

Merchants

QR

Settlement

Payment Rails — Bank • Wallet • Card • MMQR
JAYRIDEFAIRYDEAiPAYGOMMQROnePay+ future national payment systems
Technology & Trust

Built to be trusted by banks.

Architecture

An identity and routing layer that sits alongside existing infrastructure — never a rip-and-replace. Designed for ISO 20022 and open-banking interoperability.

Architecture →

Compliance

AML/KYC by design, with a regulated-partner model and a European licensing roadmap anchored in Austria.

Compliance →

Security

No exposed account details, anywhere in the flow. Identity resolution means credentials never travel with the payment.

Security →
A businessman reviews a MYQR merchant settlement dashboard on a tablet.

Settlement view · interface shown is an illustrative concept

Business operations

One settlement view. Every channel.

Beyond acceptance: settlement, reconciliation and channel analytics in one place, built on the same identity that takes the payment.

The architecture →

Security by DesignAML / KYC by DesignRegulated-Partner Model15+ Years in Payments
Global Expansion

Anchored in Europe. Pioneering across Asia-Pacific.

Schematic corridor diagram: Austria and the wider EEA in Europe, connected to pioneer markets Malaysia, Thailand and the Philippines, with Singapore, Australia and Myanmar in Asia-Pacific.

Pioneer Markets

MalaysiaMYQR SDN BHD — Kuala LumpurPioneer Market
ThailandCross-border corridorPioneer Market
PhilippinesDiaspora & domestic railsPioneer Market

In Development

AustriaMYQR.AT GmbH — currently being incorporated in Vienna, Austria · licensing trackIn Development
SingaporeRegional hubIn Development
AustraliaEcosystem corridorIn Development

Future Expansion

MyanmarMMQR interoperabilityFuture Expansion
EEAEuropean expansionFuture Expansion

  • 15+

    Years in payments

  • 4

    Jurisdictions

  • 1

    Universal address

Become a Partner

Banks, wallets, PSPs, platforms and governments — if you move money, MYQR makes your rails reachable through one identity.

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