Merchant Presented Mode (MPM)
Merchant Presented Mode (MPM) is one of the most widely used QR payment models in EMVCo payment ecosystems. In MPM workflows, merchants display QR codes that customers scan using payment apps or mobile wallets to initiate transactions.
What Is Merchant Presented Mode?
Merchant Presented Mode (MPM) is a QR payment model where the merchant generates or displays the payment QR code and the customer scans it using a payment application or digital wallet. The QR code contains payment-related information structured using EMVCo QR specifications.
MPM is widely used in retail stores, restaurants, fintech payment systems, e-commerce checkout flows, kiosks, and interoperable QR payment ecosystems. It supports both static QR and dynamic QR payment workflows depending on merchant implementation models.
EMVCo specifications define standardized payload structures for merchant-presented QR codes, helping payment applications and acquiring systems interpret payment data consistently across different ecosystems.
Merchant Presented Payment Flow
In a Merchant Presented Mode workflow, the merchant initiates the payment interaction by displaying a QR code. The customer scans the QR code using a payment application, reviews the payment details, and authorizes the transaction.
Merchant
Displays QR code
Customer
Scans QR using wallet
Payment Network
Processes transaction
Static MPM vs Dynamic MPM
Static Merchant QR
Static merchant QR codes are reusable and typically contain fixed merchant payment information. Customers usually enter the payment amount manually.
Reusable QR payload
Simpler merchant setup
Lower infrastructure requirements
Common for small merchants
Dynamic Merchant QR
Dynamic merchant QR codes are generated specifically for individual transactions and may contain payment amount, invoice identifiers, timestamps, or order references.
Transaction-specific payload
Improved reconciliation
Advanced merchant integration
Enterprise payment workflows
Merchant QR Payload Structure
Merchant Presented Mode QR payloads follow EMVCo Tag-Length-Value (TLV) encoding rules. The payload may contain merchant identifiers, merchant category codes, currency information, transaction amount, payment network identifiers, and CRC validation values.
00020101021126360014A000000677010111011300660000000005204581253033565802IN5910EMVQRHUB6007DELHI6304ABCDTag 26
Merchant account information
Tag 52
Merchant category code
Tag 53
Transaction currency
Tag 63
CRC validation checksum
Benefits of Merchant Presented Mode
Low-Cost Payment Acceptance
Merchants can accept digital payments without expensive POS hardware.
Interoperable QR Ecosystems
EMVCo standards improve compatibility across wallets and payment applications.
Scalable Merchant Deployment
QR payment systems are easier to deploy across large merchant networks.
Mobile Wallet Integration
MPM workflows work naturally with smartphone-based payment applications.
Merchant QR Ecosystem
Merchant Presented Mode payment ecosystems may involve multiple participants including merchants, acquiring institutions, payment gateways, QR interoperability networks, mobile wallet providers, issuing banks, and payment processors.
Merchant
Displays payment QR and accepts transactions.
Payment Network
Routes and processes QR payment transactions.
Wallet Provider
Enables customers to scan and authorize payments.