The consortium of retailers that formed Merchant Customer Exchange (MCX) in 2012 to develop a common mobile app have stopped testing that QR code-based technology they called CurrentC, which was established to encourage payments from a consumer’s deposit account through the Automated Clearing House network. Most members are now expected to establish partnerships with Visa, MasterCard, American Express, and Discover payment card issuers to include features of the CurrentC app, such as discounts, special offers, and loyalty programs, in the issuers’ proprietary mobile apps. Some MCX members ...