Standards/qr-code-express
QR Code Express
Overview
QR Code Express is Portugal's SIBS static-QR-merchant-payment service integrated with MB WAY QR (MB WAY) mobile app 1, Portugal report. The platform enables individuals to make purchases by scanning static QR codes with the MB WAY app. The structural distinction: A single QR Code Express can be scanned by multiple users + multiple times by the same user — making it suitable for static merchant signage, printed media, physical devices where multiple customers pay against the same QR. This is structurally different from dynamic-QR (single-transaction, per-transaction QR generation).
Each QR Code is created and managed by the Merchant via SIBS Backoffice (SBO) — merchants define billing data, delivery data, contact information fields for customer entry during checkout. SIBS Backoffice provides comprehensive lifecycle management: edit + manage QR Codes, add stock, change prices, expiry dates, real-time notifications via email or webhook. APIs + Webhooks enable merchants to proactively receive real-time payment status + associated information for integration into broader merchant-systems. QR Code Express integrates within SIBS's broader Portuguese-payment-infrastructure alongside MB WAY (mobile wallet, P2P + e-commerce) + SIBS gateway services (cards, MB, others).
History
Background — Portuguese payment landscape Portugal report:
- SIBS (Sociedade Interbancária de Serviços) — Portuguese payment-system operator.
- MB WAY QR — Portugal's mobile-payment service.
- MB Multibanco — Portuguese debit-card network.
QR Code Express deployment via SIBS 1:
- Static-QR-merchant-payment integration with MB WAY.
- SIBS Backoffice (SBO) management.
- APIs + Webhooks.
Multi-user + multi-use static QR design 1:
- Single QR scannable by multiple users + multiple times by same user.
Technical specification
QR Code Express is SIBS static-QR-merchant-payment integrated with MB WAY 1:
| Layer | Description |
|---|---|
| Operator | SIBS (Portuguese payment-system operator) |
| Mobile-app integration | MB WAY QR (MB WAY) |
| Currency | EUR |
| QR type | Static (multi-user, multi-use) |
| Merchant management | SIBS Backoffice (SBO) |
| Merchant-defined fields | Billing data, delivery data, contact info |
| APIs + Webhooks | Real-time payment status + data |
| Use cases | Traditional media, physical devices, online |
SBO functionality 1:
- Edit + manage QR codes.
- Stock + price + expiry-date management.
- Real-time notifications (email + webhook).
APIs + Webhooks 1:
- Proactive merchant systems integration.
Use cases
Static merchant signage 1: Cardinal — print QR on physical signs.
Multi-user payment against single QR 1: Multiple customers pay same QR.
Traditional media advertising 1: Print/billboard QR codes.
Physical devices 1: Standalone scanner integration.
E-commerce + omnichannel 1: Web + physical merger.
Implementations & ecosystem
Operator: SIBS (Sociedade Interbancária de Serviços).
App integration: MB WAY QR (MB WAY).
Backoffice: SBO (SIBS Backoffice).
Major Portuguese banks supporting MB WAY: All major Portuguese banks (CGD, Millennium BCP, Santander Totta, Novo Banco, etc.).
Fun facts
- Multi-user + multi-use static QR design: Structurally different from dynamic-per-transaction QR.
- SBO comprehensive merchant management: Lifecycle + stock + price control.
- APIs + Webhooks integration: Developer-friendly real-time merchant updates.
- MB WAY integration: Built on Portugal's dominant mobile-payment app.
- Static-QR-on-print-media: Traditional-media-to-digital-payment bridge.
- Merchant-defined data-collection: Billing + delivery + contact custom fields.
Comparison
| Feature | QR Code Express (PT) | MB WAY QR (PT parent) | Bizum QR (ES) | iDEAL QR (NL) | PagoPA QR (IT) |
|---|---|---|---|---|---|
| Operator | SIBS | SIBS | Bizum SL (bank consortium) | Currence (NL banks) | pagoPA S.p.A. (state) |
| Type | Static merchant QR | Mobile wallet | A2A bank-consortium | Bank-redirect | State-mandated public-admin |
| QR mode | Static (multi-user, multi-use) | Both dynamic + static | CPM (customer-presented) | Dynamic | Dynamic |
| Backoffice | SIBS SBO | n/a (within MB WAY) | Bizum-coordinated | Currence | pagoPA |
| Developer integration | APIs + Webhooks | APIs | APIs | APIs | APIs |
Status
Active 1:
- SIBS operator.
- MB WAY-integrated.
- Static multi-user QR design.
- SBO + APIs + Webhooks.
Sources
- 1 QR Code Express — SIBS
- 2 Manage QR Code Express in SBO
- 3 QR Code Express API + Webhook
- Portugal report
reports/countries/PT-portugal.md
Deployments
Found in the following country reports (grep across reports/countries/):
- PT — PT-portugal.md