How to Generate an EMVCo Merchant QR
Step-by-step guide to building a merchant-presented EMVCo QR with merchant account data, currency, amount, and CRC validation using EMV QR Hub.
Goal
You will create a standards-aligned merchant-presented QR that a compliant wallet can scan. The payload must include merchant identity, location context, currency, optional amount, and a valid CRC.
Step 1: Collect merchant account information
Obtain the merchant account template values required by your acquirer or national scheme (often placed in Tags 26–51). Incorrect GUIDs or account IDs are a common reason wallets reject an otherwise well-formed payload.
Step 2: Enter merchant profile fields
Set merchant name (Tag 59), city (Tag 60), and country code (Tag 58). Keep names within length limits and use the two-letter ISO country code expected by your market.
Step 3: Choose currency and amount
Select the ISO 4217 numeric currency for Tag 53 (for example, 356 for INR). Add Tag 54 only when the QR is transaction-specific. EMV QR Hub sets Point of Initiation to 12 when an amount is present and 11 when it is not.
Step 4: Generate and verify
Use the EMVCo QR Generator to build the TLV string and QR image. Then paste or scan the result in the Decoder to confirm CRC Pass and inspect nested tags before printing or deploying.