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The documentation for DuitNow is now available on our newly launched documentation platform. This is an initial beta rollout of our new documentation site, designed to become the long-term home for all documentation moving forward.
You'll find the familiar content you're used to—now hosted on a new platform that will progressively receive updates and enhancements.
We encourage you to start accessing DuitNow materials there to explore the new experience and ensure you're viewing the latest documentation updates. If you have any feedback, please reach out to us.
Visit the New Documentation WebsiteMerchant Presented Mode
Introduction
Specifications for the QR Code displayed by the merchant, including format and content.
The processing of the QR Code by a mobile application and the network messages as
a result of this processing are out of scope of this document.
- The format of the Merchant-Presented QR Code
- The consumer presented QR Code
- QR Code transactions, message & settlement requirements
- QR application & terminal requirements
- EMV® QR Code Specification for Payment Systems (EMV QRCPS) Merchant-Presented Mode
- EMV Book 4 Version 4.3 - EMV Integrated Circuit Card Specifications for Payment Systems - Book 4 Cardholder, Attendant, and Acquirer Interface Requirements
- ISO3166 – Codes for the representation of names of countries and their subdivisions—Part 1: Country Codes, using two-letter country codes
- ISO4217 - Codes for the representation of currencies and funds
- ISO18245 - Retail Financial Services - Merchant Category Codes (MCC)
Any later versions of these publications will be applied in this document unless specified.
Abbreviations
| Abbreviations | Description |
|---|---|
| ANS | Alphanumeric with Special Character |
| C | Conditional |
| CRC | Cyclic Redundancy Check |
| M | Mandatory |
| ID | Identifier of the Data Object |
| N | Numeric |
| O | Optional |
| QR | Quick Response |
| S | String |
Presence of Data Objects
For the presence of data objects, the following notation is used:
| Abbreviations | Description |
|---|---|
| M | Mandatory—shall always be present |
| C | Conditional—shall be present under certain conditions |
| O | Optional—may be present |
Format Conventions
The value of a data object encoded in the DuitNow QR has one of the formats as listed.
| Format | Meaning |
|---|---|
| Numeric (N) | Values can be represented by all digits, from "0" to "9". The numeric includes ten (10) characters in total. |
| Alphanumeric Special (ANS) | Values can be represented by the Common Character Set as defined in EMV Book 4. The Alphanumeric Special alphabet includes ninety-six (96) characters in total and includes the numeric alphabet and punctuation. Please see Appendix A: Common Character Set. |
| String (S) | Values represented by any precomposed character(s) defined in [Unicode]. |
Data Organization
Position of Data Objects
- The Payload Format Indicator (ID "00") shall be the first data object in the QR Code
- The CRC (ID "63") shall be the last data object in the QR Code
All other data objects under the root may be placed at any position.
Data objects within a template, such as the Additional Data Field Template (ID "62") or the Merchant Information—Language Template (ID "64"), may be placed in any position under their respective templates.