Like me you may not be too familiar with the workings of The Electronic Payments Association (NACHA) who manage the Automated Clearing House (ACH), the network for the electronic movement of money in the US. NACHA manage the development, administration and governance of the network and last week published ‘Quick Response (QR) Encoding for Consumer Bill Pay Guidelines’. This is a proposed standard for using QR Codes in both biller direct and consolidator/aggregator billing and payment models. It contains draft recommendations regarding QR Code size, data to be included in the QR Code, and layout of the data represented in the QR Code. The idea is that the guidelines will establish a single QR Code format that can reach consumers wherever they view and pay bills. You can view and comment on the guidelines from here.