POS SDK — Merchant Demo
Ready
Order Summary

Current Sale

Coffee Cups (×4) $40.00
Tax (8.1%) $3.24
Service fee $6.75
Total $49.99
Payment Method
Action
Integration (what your server does)
// Ready — click "Generate Payment QR Code" to start
Customer Faces This Screen
📱
QR code will appear here
after you generate a session
🧪 Try Both Payment Rails

Enter either routing number when you scan the QR code to see how idebit® automatically selects the optimal payment rail.

Bank Routing # Rail Selected Settlement
Bank of New Hampshire 211770271 ⚡ FedNow® Instant Seconds
Chase Bank (not a FedNow participant) 021000021 🕐 Same-Day ACH ~4 hours

idebit® checks every routing number against the Federal Reserve's FedNow participant directory and routes to the fastest available rail automatically.

1
Merchant creates session
One API call with amount & memo. Returns a session token valid for 10 minutes.
2
QR code displayed
The idebit® SDK renders the QR on the merchant terminal automatically.
3
Customer scans & pays
Opens secure bank entry form on their phone. Only RTN + account number required.
4
Instant confirmation
Terminal updates to "Payment Received" in real time via FedNow® or Same-Day ACH.