The QR payment revolution in Southeast Asia is accelerating and banks that want to stay competitive need more than just QR code stickers. They need full control, security and compliance across the entire QR ecosystem. But building a complete QR payment infrastructure from scratch? That’s expensive, slow, and full of technical pitfalls. 

The good news is you don’t have to start from zero. 

In this article, we’ll break down how your bank can deploy a fully compliant, scalable QR soundbox infrastructure without reinventing the wheel. 

What Is QR Payment Infrastructure? 

QR soundbox payment infrastructure refers to the full ecosystem that powers QR-based transactions from the physical soundbox device to the backend portal, mobile app, fraud monitoring and merchant onboarding process. 

A modern infrastructure includes: 

• QR Soundbox Device – Audio-enabled terminal for merchant payments 

• Backoffice Portal – For transaction monitoring, onboarding, KYC and support 

• Merchant App – For fraud alerts, payment confirmations, view transactions 

• Integration with DuitNow QR 

• Hosting (On-Premise or Cloud) 

Compliance Matters: The BNM & DuitNow Landscape 

In Malaysia, any financial institution offering QR payment services must align with: 

• Bank Negara Malaysia (BNM) guidelines for merchant acquisition and payment risk 

• PayNet’s DuitNow QR integration standards 

• Merchant KYC and transaction monitoring requirements 

Webcure is built on a framework that aligns with all the financial institutions’ requirements. We provide audit support, onboarding flows, and data logs for internal compliance teams. 

Option A: Build In-House (The Hard Way) 

Building everything internally gives you control but also comes with major challenges: 

• 12–18 months dev time 

• Requires backend engineers, security auditors, UX designers and software developers 

• Needs leadership approval + compliance checks 

• High hardware procurement cost 

Unless your bank already runs its own payment gateway, this route is risky, costly, and slow. 

Option B: Use Webcure’s QR Payment Infrastructure-as-a-Service 

Webcure provides a modular, white-labeled, fully compliant QR soundbox infrastructure — ready to deploy, hosted securely (on-premise or cloud), and customized to your brand. 

What You Get: 

• Soundbox Device with your own audio + casing (optional, bring your own device supported) 

• Merchant App (Android/iOS) with fraud detection & receipt log 

• Backoffice Portal with transaction management + dashboard 

• Onboarding Kit for branch/agent deployment 

• DuitNow QR Integration built-in 

• Data Portability – Full export access, no vendor lock-in 

How Does Integration Work? 

We work directly with your bank’s digital, IT, and compliance teams to: 

• Connect Webcure’s portal to your existing merchant or product systems via secure API 

• Provide testbed for integration with DuitNow QR flow 

• Offer sandbox environment for your IS/IT team to audit data policies and access logs 

We support existing bank systems as well as modern cloud-native stacks. 

 Case Study: Agrobank 

When Agrobank wanted to scale QR payments across rural areas, they chose Webcure to supply: 

• Soundboxes for their business and individuals customers 

• Full backend hosting (on-premise) 

• Branded merchant kits 

• Reporting + fraud monitoring tools 

• Soundbox Customer Care Centre 

Result: 1st rollout in eight months with full control over their ecosystem. 

Why On-Premise Hosting Makes Sense 

Some banks prefer to host QR infrastructure internally for: 

• Data residency control 

• Security audits & policy alignment 

• Control and compliance 

• Integration with existing bank systems 

Webcure supports both on-premise and cloud deployments based on your internal IT/IS strategy. 

 Post-Deployment Support & SLA 

Webcure offers: 

• Technical onboarding & API documentation 

• Agent training tools for deployment 

• 99.9% uptime SLA for portal access (cloud) 

• Call centre + WhatsApp support for merchant inquiries 

• Dedicated account manager for bank rollout phase 

Regional Readiness 

While Webcure is optimized for Malaysia and DuitNow QR today, our infrastructure is configurable for Indonesia (QRIS), Brunei, and Singapore for banks expanding across ASEAN. 

Don’t Buy a Soundbox. Build an Ecosystem. 

Financial institutions that want long-term QR payment dominance must move beyond hardware procurement. The real win is in owning the infrastructure: 

• Full control over merchant experience 

• Branded UX for competitive advantage 

• Modular architecture with future-proofing for SEA expansion