Merchant Presented Mode
V1.5
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.
Scope
This document includes:
- The format of the Merchant-Presented QR Code
- The consumer presented QR Code
- QR Code transactions, message & settlement requirements
- QR application & terminal requirements
info
The DuitNow National QR Code Standard is referenced to the following publications:
- 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.