...QR Generation SpecificationMerchant Presented ModeQR Data Object

QR Data Object

V1.5

Overview

A Merchant-Presented QR Code payment transaction enables consumers to make payment for purchases using a merchant generated and displayed QR Code based on the merchant’s details. For example, it can be used to enable the transfer funds to a merchant account designated by the Merchant Account Information over a payment network in exchange for goods and services provided by the merchant.

Consumer may download an Issuer mobile application on their mobile phones that has the capability to scan a Merchant-Presented QR Code and execute a payment transaction. This mobile application may be an existing mobile banking application from an Issuer. The request to process the payment transaction will be directed to the Issuer managing the account from which the funds will be debited.

DuitNow QR Data Object

Name	ID	Format	Length (Decimal)	Presence	Description
Payload Format Indicator	“00”	N	02	M	Version “02”
Point of initiation method	“01”	N	02	M	11 – Static QR Code 12 – Dynamic QR Code
Merchant Account Information	“26” – “27”	ANS	Variable up to 99	M	Please see Merchant Account Information (IDs “26” – “27”) for details. ID “27” is Reserved for Future Use (RFU).
Merchant Category Code	“52”	N	04	M	As defined in ISO18245. “0000” to be used for P2P QRs “6010” to be used for POS Cash Out QRs
Transaction Currency Code	“53”	N	03	M	As defined in ISO4217. Use 458 for Malaysian Ringgit.
Transaction Amount	“54”	ANS, limited to numeric and the "." symbol	Var. up to 13	C	Please see Transaction Amount (ID “54”) & Value of Convenience Fee Fixed (ID “56”) for details.
Tip or Convenience Indicator	“55”	N	02	O	Indicates that consumer should be prompted to enter Tip Indicates that the merchant would mandatorily charge a flat convenience fee Indicates that merchant would charge a percentage convenience fee
Value of Convenience Fee Fixed	“56”	ANS, limited to numeric and the “.” symbol	Var. up to 13	C	The Value of Convenience Fee Fixed must be present if the data object ID “55” is present with a value of 02. Otherwise, this data object must be absent. Please see Transaction Amount (ID “54”) & Value of Convenience Fee Fixed (ID “56”) for details.
Value of Convenience Fee Percentage	“57”	ANS, limited to numeric and the “.” symbol	Var. up to 05	C	The Value of Convenience Fee Percentage must be present if the data object ID “55” is present with a value of 03. Otherwise, this data object must be absent. Example; “0.06” indicates that the convenience fee percentage is 0.06% and must be calculate as transaction amount * 0.06% Note: Valid value “0.01”-“99.99”.
Country Code	“58”	ANS	02	M	As defined by ISO3166. Use “MY” for Malaysia.
Merchant Name	“59”	ANS	Var. up to 25	M	Name of the Merchant. e.g. “Interesting Wares Sdn Bhd”
Merchant City	“60”	ANS	Var. up to 15	M	Use “MY” if this field is not applicable.
Postal Code	“61”	ANS	05	O	Must be 5 numeric values.
Additional Data Field Template	“62”	S	Variable Up to 99	C	Additional information beyond that mentioned above may be required in certain cases. This information may be either presented by the merchant or Acquirer. The acquirer / merchant should provide only minimum information in order to avoid making the size of data onerous. The length of each tag is variable up to 30 characters and overall it is not to exceed the maximum of 99 characters for the total size of the Additional Data Field. Required for JomPAY QR. Please see Additional Data Field Template (ID “62”) for Data Object.
Merchant Information – Language Template	“64”	S	Var. up to 9	O	As defined by ISO 639. The Merchant Information—Language Template includes merchant information in an alternate language and may use a character set different from the Common Character Set. If the ID “64” is present, the Language Preference (ID “00”) and Merchant Name (ID “01”) must be present.
“00”	Language Preference	ANS	02	M
“01”	Merchant Name – Alternate Language	S	Var. up to 25	M
“02”	Merchant City – Alternate Language	S	Var. up to 15	O
Cyclic Redundancy Check (CRC)	“63”	ANS	04	M	Checksum calculated over all the data objects included in the QR Code. Please see CRC (ID “63”) for details.
Data Integrity Check	“82”	ANS	99	O	To carry hash value or any other authentication value to ensure data integrity. Please see Data Integrity Check (ID “82”) for details.

Transaction Amount (ID “54”) & Value of Convenience Fee Fixed (ID “56”)

1. If present, the amount shall be different from zero, shall only include (numeric) digits "0" to "9" and may contain a single "." character as the decimal mark. When the amount includes decimals, the "." character shall be used to separate the decimals from the integer value and the "." character may be present even if there are no decimals.
   
   The number of digits after the decimal mark should align with the currency exponent associated to the currency code defined in [ISO 4217].
   
   The above describes the only acceptable format for the amount. It cannot contain any other characters (for instance, no space character, or comma can be used to separate thousands).
   
   The following are examples of valid amounts: "98.73", "98" and "98.", “0.1” and “0.01”. The following are NOT valid Transaction Amounts: "98,73", "3 705" and “3,705”.
   
   
2. The amount shall not be included if the mobile application should prompt the consumer to enter the value to be paid to the Merchant.

Additional Data Field Template (ID “62”)

1. If present, the Additional Data Field Template shall contain at least 1 data object.

2. If present, the content of the data object value for IDs "01" to "08" shall be either "" or a value defined by the merchant. The presence of "" indicates that the mobile application is responsible for obtaining the necessary information.

   Example: A Customer Label input characters “0603***” means consumer is prompted for Customer Label.

3. If present, the Additional Consumer Data Request (ID “09”) shall contain any combination of the characters “A”, “M” and/or “E”, and there shall only be a single instance of each character.

4. If present, each of the three positions in the Merchant Channel (ID “11”) identifies a characteristic of the channel used for a QR transaction. The values and definitions are listed in Tables 3, 4 and 5 below.

Table 3: Merchant Channel - First Character - Media

Value	Definition
"0"	Print – Merchant sticker
"1"	Print – Bill/Invoice
“2”	Print – Magazine/Poster
“3”	Print – Others
“4”	Screen/Electronic – Merchant POS/POI
“5”	Screen/Electronic – Website
“6”	Screen/Electronic – App
“7”	Screen/Electronic – Others

Table 4: Merchant Channel - Second Character - Transaction Location

Value	Definition
“0”	At Merchant premises/registered address
“1”	Not at Merchant premises/registered address
“2”	Remote commerce
“3”	Others

Table 5: Merchant Channel - Third Character - Merchant Presence

Value	Definition
“0”	Attended POS/POI
“1”	Unattended
“2”	Semi-attended (self-checkout)
“3”	Others

5. Recipient Reference (ID “90”) shall be used specifically for JomPAY QRs to display the Recipient Reference Numbers 1 and 2. Geo Coordinates (ID “91”) shall be used to display the location details of the merchant.
   
   
6. If present, a Recipient Reference and Geo Coordinates shall each contain a primitive Globally Unique Identifier data object with a data object ID “00”, with details shown in Table 6.
   
   The value of this data object shall contain one of the following:
   
   
   • An Application Identifier (AID) consisting of a RID registered with ISO and, optionally, a PIX, as defined by [ISO 7816-4]. For example, “A0000006150001”.
   • A reverse domain name. For example, “com.website.name”.

Table 6: Additional Data Field Template for ID “62”

Name	ID	Format	Length	Presence	Description
Bill Number	01	ANS	Variable up to 25	O	Invoice number or bill number.
Mobile Number	02	ANS	Variable up to 25	O	To be used for mobile number.
Store Label	03	ANS	Variable up to 25	O	A distinctive number associated to a store.
Loyalty Number	04	ANS	Variable up to 25	O	Loyalty card number as provided.
Reference Label	05	ANS	Variable up to 25	O	Any value as defined by merchant or Acquirer in order to identify the transaction.
Customer Label	06	ANS	Variable up to 25	O	To be used to identify a specific consumer.
Terminal Label	07	ANS	Variable up to 25	O	To be used to identify a specific terminal.
Purpose of Transaction	08	ANS	Variable up to 25	O	Consumer to input a value describing the purpose of the transaction.
Additional Consumer Data Request	09	A	Variable up to 03	O	Mobile application to provide the requested information in order to complete the transaction.
Merchant Tax ID	10	ANS	Variable up to 15	O	Merchant Tax Identification Number (TIN).
Merchant Channel	“11”	ANS	Variable up to 3	O	To identify the channel for how the QR is displayed.
Recipient Reference	“90”	ANS	Variable up to 87	C	To identify the Recipient Reference Numbers 1 and 2. Required for JomPAY QR.
"00"	Globally Unique Identifier	ANS	Variable up to 25	C	An identifier that sets the context of the data that follows. Malaysia AID: A0000006150001 Mandatory if using the Recipient Reference data object.
"01"	RRN	ANS	Variable up to 20	C	Recipient Reference Number (Ref-1). Required for JomPAY QR.
"02"	RRN2	ANS	Variable up to 30	O	Recipient Reference Number (Ref-2). Optional for JomPAY QR.
Geo Coordinates	“91”	ANS	Variable up to 35	O	Location details of the recipient.
“00”	Globally Unique Identifier	ANS	Variable up to 25	C	An identifier that sets the context of the data that follows. Malaysia AID: A0000006150001 Mandatory if using the Geo Coordinates data object.
“01”	Coordinates	ANS	Variable up to 35	O	Latitude and Longitude of the Merchant.
Payment System Specific	“50” – “89” “92” – “99”	S	Var .	O	Reserve for Future Use (RFU) for Payment Network.

Merchant Account Information (IDs “26” – “27”)

1. The Merchant Account Information template shall be used when the payment system corresponding to the Merchant Account Information is explicitly identified in the template

Name	ID	Format	Length	Presence	Description
Application Identifier (AID)	“00”	ANS	14	M	Malaysia AID: A0000006150001
Acquirer ID	“01”	ANS	Var. up to 06	M	Acquirer ID. Please see Section Acquirer ID (ID “01”) for details.
QR ID	“02”	AN	Var. up to 28	M	Merchant/Recipient Identification Number assigned by Acquirer. For Dynamic QR – Merchant/Recipient ID should be maintained across different QR generated by the same Merchant/Recipient. For JomPAY QR – Use Biller Code.
Merchant Descriptor	“03”	ANS	Var. up to 20	O	Merchant Description assigned by Acquirer.
Mobile Number	“04”	ANS	Var. up to 15	O	Merchant mobile number.

CRC (ID “63”)

1. The checksum shall be calculated according to [ISO/IEC 13239] using the polynomial '1021' (hex) and initial value 'FFFF' (hex). The data over which the checksum is calculated shall cover all data objects, including their ID, Length and Value, to be included in the QR Code, in their respective order, as well as the ID and Length of the CRC itself (but excluding its Value).
   
   
2. Following the calculation of the checksum, the resulting 2-byte hexadecimal value shall be encoded as a 4-character Alphanumeric Special value by converting each nibble to an Alphanumeric Special character.
   
   Example: a CRC with a two-byte hexadecimal value of '007B' is included in the QR Code as "6304007B".

Data Integrity Check (ID “82”)

1. Data integrity is the maintenance of, and the assurance of the accuracy and consistency of, data over its entire life-cycle and is a critical aspect to the design, implementation and usage of any system which stores, processes, or retrieves data with the usage of Hash Function.
   
   
2. Hash Function Algorithm is standardized in ISO/IEC 10118-3. SHA-256 takes as input messages of arbitrary length and produces a hash value.
   
   
3. If present, a Data Integrity Check shall contain a primitive Globally Unique Identifier data object with a data object ID “00”, as defined in Table 8.
   
   The value of this data object shall contain one of the following:
   
   
   • An Application Identifier (AID) consisting of a RID registered with ISO and, optionally, a PIX, as defined by [ISO 7816-4]. For example, “A0000006150001”.
   • A reverse domain name. For example, “com.website.name”.

Table 8: Data Object ID allocation for Data Integrity Check (ID “82”)

ID	Definition	Type	Length	Presence	Description
“00”	Globally Unique Identifier	ANS	Var. up to 25	M	An identifier that sets the context of the data that follows. The value is one of the following: An Application Identifier (AID) A reverse domain name Malaysia AID: A0000006150001
“01”	Data Integrity Check Hash	S	Var. up to 64	O	A string hashed according to the Hash Function Algorithm defined in ISO/IEC 10118-3. Due to the maximum allocated length for ID “82”, the maximum allowed length for this data object is set at 64, which is the result of SHA-256 hash. Shorter hashes may be used.

Acquirer ID (ID “01”)

The Acquirer ID value defined must be used using the ID and Code as below:

Table 9: List of Acquirer IDs (ID “01”)

No.	Name of Participant	Acquirer ID	BIC Code
1	Affin Bank Berhad	Get the ID from your Admin	PHBMMYKL
2	Alliance Bank Malaysia Berhad	Get the ID from your Admin	MFBBMYKL
3	Al Rajhi Banking & Investment Corporation (Malaysia) Berhad	Get the ID from your Admin	RJHIMYKL
4	AmBank Malaysia Berhad	Get the ID from your Admin	ARBKMYKL
5	Bank Islam Malaysia Berhad	Get the ID from your Admin	BIMBMYKL
6	Bank Kerjasama Rakyat Malaysia Berhad	Get the ID from your Admin	BKRMMYKL
7	Bank Muamalat Malaysia Berhad	Get the ID from your Admin	BMMBMYKL
8	Bank of America (M) Berhad	Get the ID from your Admin	BOFAMY2X
9	Bank of China (M) Berhad	Get the ID from your Admin	BKCHMYKL
10	Bank Pertanian Malaysia Berhad (Agrobank)	Get the ID from your Admin	AGOBMYKL
11	Bank Simpanan Nasional	Get the ID from your Admin	BSNAMYK1
12	MUFG Bank (Malaysia) Berhad	Get the ID from your Admin	BOTKMYKX
13	BNP Paribas Malaysia Berhad	Get the ID from your Admin	BNPAMYKL
14	China Construction Bank (Malaysia) Berhad	Get the ID from your Admin	PCBCMYKL
15	CIMB Bank Berhad	Get the ID from your Admin	CIBBMYKL
16	Citibank Berhad	Get the ID from your Admin	CITIMYKL
17	Deutsche Bank (M) Berhad	Get the ID from your Admin	DEUTMYKL
18	Hong Leong Bank Berhad	Get the ID from your Admin	HLBBMYKL
19	HSBC Bank Berhad	Get the ID from your Admin	HBMBMYKL
20	Industrial and Commercial Bank of China (M) Berhad	Get the ID from your Admin	ICBKMYKL
21	JP Morgan Chase Bank Berhad	Get the ID from your Admin	CHASMYKX
22	Kuwait Finance House (Malaysia) Berhad	Get the ID from your Admin	KFHOMYKL
23	Malayan Banking Berhad	Get the ID from your Admin	MBBEMYKL
24	MBSB Bank Berhad	Get the ID from your Admin	AFBQMYKL
25	Mizuho Bank (Malaysia) Berhad	Get the ID from your Admin	MHCBMYKA
26	OCBC Bank Berhad	Get the ID from your Admin	OCBCMYKL
27	Public Bank Berhad	Get the ID from your Admin	PBBEMYKL
28	RHB Bank Berhad	Get the ID from your Admin	RHBBMYKL
29	Standard Chartered Bank Malaysia Berhad	Get the ID from your Admin	SCBLMYKX
30	Sumitomo Mitsui Banking Corporation (M) Berhad	Get the ID from your Admin	SMBCMYKL
31	United Overseas Bank (Malaysia) Berhad	Get the ID from your Admin	UOVBMYKL
32	AEON Bank (M) Berhad	Get the ID from your Admin	ACDBMYK2
33	Boost Bank Berhad	Get the ID from your Admin	BOBEMYK2
34	GX Bank Berhad	Get the ID from your Admin	GXSPMYKL
35	KAF Investment Bank Berhad	Get the ID from your Admin	KAFBMYK2
36	YTL Digital Bank Berhad	Get the ID from your Admin	SCCHMYKL
37	Koperasi Co-opbank Pertama Malaysia Berhad	Get the ID from your Admin	KCPMMYK1
38	Axiata Digital eCode Sdn Bhd	Get the ID from your Admin	BOSTMYNB
39	Beez Fintech Sdn Bhd	Get the ID from your Admin	BEEZMYNB
40	BigPay Malaysia Sdn Bhd	Get the ID from your Admin	BGPYMYNB
41	Boost Connect Sdn Bhd	Get the ID from your Admin	BCNTMYNB
42	Curlec Sdn Bhd	Get the ID from your Admin	CRLCMYNB
43	Fass Payment Solutions Sdn Bhd	Get the ID from your Admin	FSPYMYNB
44	Fave Asia Technologies Sdn Bhd	Get the ID from your Admin	FAVEMYNB
45	Finexus Cards Sdn Bhd	Get the ID from your Admin	FNXSMYNB
46	GHL Cardpay Sdn Bhd	Get the ID from your Admin	GHLCMYNB
47	Global Payments Asia-Pacific Limited	Get the ID from your Admin	GLPYMYNB
48	GPay Network (M) Sdn Bhd	Get the ID from your Admin	GRABMYNB
49	Instapay Technologies Sdn Bhd	Get the ID from your Admin	INSTMYNB
50	iPay88 (M) Sdn Bhd	Get the ID from your Admin	IPAYMYNB
51	Kiplepay Sdn Bhd	Get the ID from your Admin	KPLPMYNB
52	Merchantrade Asia Sdn Bhd	Get the ID from your Admin	MASBMYNB
53	MobilityOne Sdn Bhd	Get the ID from your Admin	MBLOMYNB
54	Payex PLT	Get the ID from your Admin	PAYXMYNB
55	Razer Merchant Services Sdn Bhd	Get the ID from your Admin	RZMSMYNB
56	Revenue Solution Sdn Bhd	Get the ID from your Admin	RSSBMYNB
57	Setel Ventures Sdn Bhd	Get the ID from your Admin	SVSBMYNB
58	ShopeePay Malaysia Sdn Bhd	Get the ID from your Admin	ARPYMYNB
59	SiliconNet Technologies Sdn Bhd	Get the ID from your Admin	SPAYMYNB
60	Stripe Payments Singapore Pte Ltd	Get the ID from your Admin	STRPMYNB
61	TNG Digital Sdn Bhd	Get the ID from your Admin	TNGDMYNB
62	UniPin (M) Sdn Bhd	Get the ID from your Admin	UNPNMYNB
63	JomPAY	Get the ID from your Admin	N/A