Q4 2025

Q4 2025 was the quarter where PerfectPay shipped instant QR payments.

What Landed

• signed QR payment sessions
• HMAC-protected session URLs
• hosted instant-payment UX in the Web SDK
• initial rail support shaped around FedNow, RTP, and stablecoin
• merchant-presented QR flows for fast settlement use cases

Why It Matters

Instant QR changed PerfectPay from a pure card-orchestration story into a broader acceptance platform that can handle real-time account-to-account movement and new checkout surfaces.