How It Works
1
Scan QR code
The user scans a merchant QR code to initiate the payment. The scanner is opened from the Spend home screen, using the scan button in the top-right corner.
2
Payment debited
The payment is debited from the user’s Spend account balance (held in USD). When the payment is in a non-USD currency, conversion is done at the market rate.
3
Settlement
The payment is settled through a local payment processor. The recipient receives funds via local rails.
Availability
QR Pay depends on your card. In some countries, cards activated after a certain date do not support QR Pay yet. See Which Cards Support QR Pay below.Where You Can Pay
If your card supports QR Pay, you can pay at any of these QR networks:Which Cards Support QR Pay
QR Pay support for newer cards is planned. Timelines will be announced.
Fees & Limits
No fees for either the payer or the recipient, including FX conversion. The daily limit is $5,000 and the per-transaction limit is $500. For full details, see the Fees & Limits page.Limitations
- Geographic availability. QR Pay is only available in the APAC countries listed above.
- Card support. Depending on where your card was issued and when it was activated, QR Pay may not be supported yet. See Which Cards Support QR Pay.
- Daily limit. Transactions are capped at $5,000 per day.
- Per-transaction limit. Each transaction is capped at $500.
- P2P availability. P2P (person-to-person) payments are available in select regions; elsewhere QR Pay supports merchant payments only.
- No cashback. QR Pay transactions do not earn cashback.
- Spend account required. Requires a funded Spend account and completed Jupiter ID verification.
Have questions about QR Pay? See the FAQ.

