Introduction
QR Gateway adheres to the EMVCo Merchant Present QR Code Standards which allows consumers to make payments to merchants directly.
Merchants request QRGW API to generate QR Code and shows it to consumers at point-of-sale.
Consumers may use mobile application that developed by Issuers or third-party that capable of scanning the QR Code and initiate a payment transaction.
The request to process the payment transaction will directly go to the Issuer that manage the account. Once the transaction is authorized, it will be sent through the Payment Network and to Acquirer/QRGW system. QRGW system then validates and processes the transaction request.
When the transaction is valid and credited the payment transaction amount to the Merchant account, QRGW system will send the transaction authorize response back to the Payment Network and notify the Merchant that the payment has been received.
The Payment Network will interact with Issuer and the Issuer will also send a notification to the Consumer.
In addition, when processing a QR transaction request, QR Gateway system will make use of Reference ID (Tag No: 62, Sub-Tag: 05) in the QR Code as part of verifying and validating the received QR and merchant information. Therefore, the Issuers and Card Schemes (or Payment Network) must ensure that the Reference ID value which read from the QR Gateway’s QR Code using Consumers mobile app must be passed to QR Gateway system when requesting for a QR transaction processing. Otherwise, this QR transaction will be rejected.
note
Note that the communication between "Consumer Mobile App and Issuer", "Issuer and Card Scheme" and "QRGW Core and Payment Network" is out of this document scope.
Abbreviation#
| Name | Description |
|---|---|
| ans | Alpha numeric special |
| API | Application Programming Interface |
| C | Conditional |
| ECB | Electronic Codebook |
| GIP | Global Issuing Project |
| M | Mandatory |
| N | Numeric |
| O | Optional |
| QR Code | Quick Response Code |
| QRGW | QR Gateway |
| S | String (Unicode) |
References#
| Ref. | Document | Version |
|---|---|---|
| 1 | EMV QR Code Specification for Payment Systems (EMV QRCPS) Merchant – Presented Mode | 1.1 |