# QMP QR

> Source: https://docs.barcoder.ai/docs/standards/qmp-qr
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Qatar Mobile Payment (QMP) — QCB](https://www.qcb.gov.qa/en/pages/qatarmobilepayment.aspx)
- [QCB rolls out QMP — NFC World](https://www.nfcw.com/2023/05/12/383767/qatar-central-bank-rolls-out-interoperable-national-mobile-payments-system/)

## Overview

**QMP** (Qatar Mobile Payment) is **Qatar's national interoperable mobile-payment system**, launched **May 2023 by Qatar Central Bank (QCB)** as **Qatar's first instant national interoperable switch for mobile payment services** <sup>[1][1], [2][2], [Qatar report](https://docs.barcoder.ai/docs/payments/QA)</sup>. QMP connects **all licensed mobile-payment-service providers in Qatar** + facilitates **point-of-sale payments through a standardized QR-code system**. The structural distinction: QMP is **the QR-payment switch layer** complementing **FAWRAN** (Qatar's instant-payment service, launched March 2024) + **QPAY** (Qatar's national e-commerce payment gateway) — together forming **Qatar's comprehensive QCB-coordinated digital-payment infrastructure** trio.

The structural significance: **QCB's three-product digital-payment-modernisation strategy** (QMP + FAWRAN + QPAY) represents one of the most coordinated MENA central-bank payment-system rollouts. **April 2025**: QCB launches **direct integration for fintechs with NAPS, QPay** — extending payment-ecosystem access beyond traditional banking-only participants. **October 2024**: Qatar Central Bank launches Instant Payment Service through National e-Commerce Gateway (QPay) — bringing FAWRAN's instant capability into e-commerce. The QMP unified-QR specification + FAWRAN instant rail + QPAY e-commerce gateway together comprehensively cover Qatar's digital-payment ecosystem.

## History

**Background — Qatari payment landscape** <sup>[Qatar report](https://docs.barcoder.ai/docs/payments/QA)</sup>:
- **Qatar Central Bank (QCB)** — central bank.
- Multiple Qatari commercial banks: QNB (largest), Doha Bank, Commercial Bank of Qatar, others.
- Strong digital-payment-modernisation push under Qatar National Vision 2030.

**12 May 2023 — QMP launches** <sup>[2][2]</sup>:
- QCB rolls out interoperable national mobile-payments system.
- First instant national mobile-payment switch in Qatar.
- Standardised QR-code system.

**7 March 2024 — FAWRAN instant payment launches** <sup>[3][3]</sup>:
- Companion instant-payment service.
- 24/7 instant transfers.

**October 2024 — Fawran via QPay e-commerce gateway** <sup>[4][4]</sup>:
- Instant payment + e-commerce integration.

**14 April 2025 — Direct integration for fintechs with NAPS, QPay** <sup>[5][5]</sup>:
- Fintech access expansion.

## Technical specification

QMP QR is **QCB-operated national interoperable mobile-payment switch with standardized QR** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **Qatar Central Bank (QCB)** |
| **Launch** | **12 May 2023** |
| **Function** | Interoperable mobile-payment switch + QR-code system |
| **Currency** | QAR (Qatari riyal) |
| **Participants** | All licensed Qatari mobile-payment service providers |
| **Companion products** | **FAWRAN** (instant payment, Mar 2024) + **QPAY** (e-commerce gateway) |
| **QR-code standard** | Standardised across participating PSPs |

**Three-product QCB digital-payment trio** <sup>[Qatar report](https://docs.barcoder.ai/docs/payments/QA)</sup>:
- **QMP** (mobile-payment switch + QR, May 2023).
- **FAWRAN** (instant payment, March 2024).
- **QPAY** (e-commerce gateway, since earlier).

**Naming overlap note**: **QMP** (Qatar Mobile Payment) vs **[QPay](https://docs.barcoder.ai/docs/standards/qpay)** Mongolia — different products, similar-looking names.

## Use cases

**POS QR payments** <sup>[2][2]</sup>: Cardinal use — standardized QR across participating mobile-payment providers.

**Cross-PSP interoperability** <sup>[2][2]</sup>: Any licensed Qatari mobile-payment user can pay any participating merchant.

**Fintech direct integration (Apr 2025+)** <sup>[5][5]</sup>: Beyond bank-only participation.

**E-commerce via QPay** <sup>[4][4]</sup>: Integrated with QCB's QPay e-commerce gateway.

**Instant via FAWRAN** <sup>[3][3]</sup>: Real-time instant capability.

## Implementations & ecosystem

**Operator**: **Qatar Central Bank (QCB)**.

**Participants**: All licensed Qatari mobile-payment service providers.

**Companion products**: **FAWRAN**, **QPAY**, **NAPS** (national e-commerce gateway).

**Major Qatari banks**: QNB, Doha Bank, Commercial Bank of Qatar, QIB (Islamic), Masraf Al Rayan, others.

## Fun facts

- **First instant national mobile-payment switch in Qatar (May 2023)**: Pioneering Qatari payment-modernisation.
- **Three-product digital-payment-modernisation trio**: QMP + FAWRAN + QPAY — comprehensive.
- **Naming overlap with Mongolia [QPay](https://docs.barcoder.ai/docs/standards/qpay)**: Easy to confuse QMP (Qatar) with QPay (Mongolia).
- **Qatar National Vision 2030 context**: Digital-payment infrastructure within broader national strategy.
- **April 2025 fintech direct-integration**: NAPS + QPay opening to non-bank fintechs.
- **2022 FIFA World Cup context**: Qatar's payment-modernisation accelerated by World Cup hosting requirements.
- **Standardised QR across all PSPs**: Unification design from launch.

## Comparison

| Feature | QMP (QA) | [Fawri+](https://docs.barcoder.ai/docs/standards/fawri-plus) (BH) | [CliQ QR](https://docs.barcoder.ai/docs/standards/cliq-qr) (JO) | [Aani](https://docs.barcoder.ai/docs/standards/aani) (UAE) | [Mada](https://docs.barcoder.ai/docs/standards/mada) (SA) |
|---|---|---|---|---|---|
| Operator | QCB | BENEFIT (bank consortium) | JoPACC (public-private) | Al Etihad Payments (CBUAE) | Saudi Payments (SAMA) |
| Launch | **May 2023** | Nov 2015 | Jun 2020 | Oct 2023 | 1990 (2022 Mada Pay) |
| Type | Interoperable QR switch | Near-real-time EFT | Instant payment + QR | Instant payment | National card scheme |
| Companion products | **FAWRAN + QPAY** | BenefitPay | n/a | Banking-wide | Mada Pay |

## Status

**Active, foundational Qatari digital-payment infrastructure** <sup>[1][1], [2][2]</sup>:
- **QCB operator** since 12 May 2023.
- **Standardised national QR**.
- **All licensed Qatari PSPs**.
- **Companion: FAWRAN (Mar 2024) + QPAY**.
- **Fintech direct integration** since April 2025.

## Sources

[1]: https://www.qcb.gov.qa/en/pages/qatarmobilepayment.aspx "Qatar Mobile Payment (QMP) — QCB"
[2]: https://www.nfcw.com/2023/05/12/383767/qatar-central-bank-rolls-out-interoperable-national-mobile-payments-system/ "QCB rolls out QMP"
[3]: https://www.qna.org.qa/en/News-Area/News/2024-03/07/0036-qcb-launches-'fawran'-instant-payment-service "QCB launches FAWRAN"
[4]: https://meatechwatch.com/2024/10/28/qatar-central-bank-launches-instant-payment-service-through-national-e-commerce-gateway/ "QCB instant via QPay"
[5]: https://thepeninsulaqatar.com/article/14/04/2025/qatar-central-bank-launches-direct-integration-for-fintechs-with-naps-qpay "QCB fintech direct integration NAPS QPay"

- [1] [QMP — QCB][1]
- [2] [QCB rolls out QMP — NFC World][2]
- [3] [QCB launches FAWRAN][3]
- <sup>[Qatar report](https://docs.barcoder.ai/docs/payments/QA)</sup> `reports/countries/QA-qatar.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **QA** — [QA-qatar.md](https://docs.barcoder.ai/docs/payments/QA)