Decode a QR code

Preview a QR code's decode and classification

curl --request POST \
  --url https://prod-api.stableyard.fi/v2/payments/decode-qr \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "sender": {
    "accountId": "acct_sender"
  },
  "country": "PH",
  "qrPayload": "00020101021127590012com.p2pqrpay..."
}
'

import requests

url = "https://prod-api.stableyard.fi/v2/payments/decode-qr"

payload = {
    "sender": { "accountId": "acct_sender" },
    "country": "PH",
    "qrPayload": "00020101021127590012com.p2pqrpay..."
}
headers = {
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Basic <encoded-value>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    sender: {accountId: 'acct_sender'},
    country: 'PH',
    qrPayload: '00020101021127590012com.p2pqrpay...'
  })
};

fetch('https://prod-api.stableyard.fi/v2/payments/decode-qr', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://prod-api.stableyard.fi/v2/payments/decode-qr",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'sender' => [
        'accountId' => 'acct_sender'
    ],
    'country' => 'PH',
    'qrPayload' => '00020101021127590012com.p2pqrpay...'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://prod-api.stableyard.fi/v2/payments/decode-qr"

	payload := strings.NewReader("{\n  \"sender\": {\n    \"accountId\": \"acct_sender\"\n  },\n  \"country\": \"PH\",\n  \"qrPayload\": \"00020101021127590012com.p2pqrpay...\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://prod-api.stableyard.fi/v2/payments/decode-qr")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"sender\": {\n    \"accountId\": \"acct_sender\"\n  },\n  \"country\": \"PH\",\n  \"qrPayload\": \"00020101021127590012com.p2pqrpay...\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://prod-api.stableyard.fi/v2/payments/decode-qr")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"sender\": {\n    \"accountId\": \"acct_sender\"\n  },\n  \"country\": \"PH\",\n  \"qrPayload\": \"00020101021127590012com.p2pqrpay...\"\n}"

response = http.request(request)
puts response.read_body

{
  "payable": false,
  "merchant": {
    "displayName": "Alex Sample",
    "country": "PH",
    "business": false
  },
  "accountNumber": "000000000001",
  "qrInfo": {
    "country": "PH",
    "currency": "PHP",
    "amount": null,
    "txId": "scan_reference_123",
    "merchant": "Alex Sample",
    "beneficiaryName": "Alex Sample",
    "bank": {
      "code": "EXAMPLE_BANK_PH",
      "name": "Example Bank"
    },
    "amountUsd": null,
    "fee": null
  },
  "manualBankTransfer": {
    "accountNumber": "000000000001",
    "bankCode": "EXAMPLE_BANK_PH",
    "accountHolderName": "Alex Sample"
  }
}

POST

payments

decode-qr

Preview a QR code's decode and classification

curl --request POST \
  --url https://prod-api.stableyard.fi/v2/payments/decode-qr \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "sender": {
    "accountId": "acct_sender"
  },
  "country": "PH",
  "qrPayload": "00020101021127590012com.p2pqrpay..."
}
'

import requests

url = "https://prod-api.stableyard.fi/v2/payments/decode-qr"

payload = {
    "sender": { "accountId": "acct_sender" },
    "country": "PH",
    "qrPayload": "00020101021127590012com.p2pqrpay..."
}
headers = {
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Basic <encoded-value>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    sender: {accountId: 'acct_sender'},
    country: 'PH',
    qrPayload: '00020101021127590012com.p2pqrpay...'
  })
};

fetch('https://prod-api.stableyard.fi/v2/payments/decode-qr', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://prod-api.stableyard.fi/v2/payments/decode-qr",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'sender' => [
        'accountId' => 'acct_sender'
    ],
    'country' => 'PH',
    'qrPayload' => '00020101021127590012com.p2pqrpay...'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://prod-api.stableyard.fi/v2/payments/decode-qr"

	payload := strings.NewReader("{\n  \"sender\": {\n    \"accountId\": \"acct_sender\"\n  },\n  \"country\": \"PH\",\n  \"qrPayload\": \"00020101021127590012com.p2pqrpay...\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://prod-api.stableyard.fi/v2/payments/decode-qr")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"sender\": {\n    \"accountId\": \"acct_sender\"\n  },\n  \"country\": \"PH\",\n  \"qrPayload\": \"00020101021127590012com.p2pqrpay...\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://prod-api.stableyard.fi/v2/payments/decode-qr")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"sender\": {\n    \"accountId\": \"acct_sender\"\n  },\n  \"country\": \"PH\",\n  \"qrPayload\": \"00020101021127590012com.p2pqrpay...\"\n}"

response = http.request(request)
puts response.read_body

{
  "payable": false,
  "merchant": {
    "displayName": "Alex Sample",
    "country": "PH",
    "business": false
  },
  "accountNumber": "000000000001",
  "qrInfo": {
    "country": "PH",
    "currency": "PHP",
    "amount": null,
    "txId": "scan_reference_123",
    "merchant": "Alex Sample",
    "beneficiaryName": "Alex Sample",
    "bank": {
      "code": "EXAMPLE_BANK_PH",
      "name": "Example Bank"
    },
    "amountUsd": null,
    "fee": null
  },
  "manualBankTransfer": {
    "accountNumber": "000000000001",
    "bankCode": "EXAMPLE_BANK_PH",
    "accountHolderName": "Alex Sample"
  }
}

Decoding does not reserve a priced quote or move funds. Use Payment creation for binding funding amounts and fees. QR contents and decoded account numbers are sensitive; do not log or persist raw decode responses.

Authorizations

Authorization

string

header

required

HTTP Basic auth. Username is the Stableyard app ID. Password is the app secret. The optional Stableyard-Version request header must match the environment pin.

Headers

Stableyard-Version

enum<string>

Optional contract-version assertion. Omit it to use the app environment's pinned version. A different supported version is accepted only after that environment is explicitly migrated.

Available options:

2026-09-09

Body

application/json

sender

object

required

Show child attributes

country

string

required

Pattern: ^[A-Z]{2}$

Example:

"PH"

qrPayload

string

required

Required string length: 1 - 4096

Response

QR decode preview

accountNumber

string | null

required

Decoded destination account number when returned; preserve leading zeros. Sensitive data, not a linked bank account or an authorization to pay.

Maximum string length: 64

qrInfo

object

required

Normalized, allowlisted QR display metadata. Keys are always present; unknown values are null. Amounts are exact decimal strings. Decode metadata is not a locked Payment quote.

Show child attributes

payable

boolean

required

False for a personal/peer-to-peer QR classification -- not payable through POST /v2/payments.

merchant

object

required

Show child attributes

manualBankTransfer

object

Present only when payable is false and the QR decodes to a manual bank-transfer destination.

Show child attributes

providerReferenceId

string

destinationAmount

object

Present only for a dynamic QR that embeds a fixed amount; absent for a static/amount-flexible QR.

Show child attributes

Introduction

Onboarding

Accounts

Money movement

Activity

Vaults

Client & checkout

Platform

Authorizations

Headers

Body

Response