EMVCo QR Studio
Advanced EMVCo standard QR payload generation
Live EMVCo QR Canvas
Understanding EMVCo Merchant-Presented Mode
What is EMVCo?
EMVCo is a global technical body managed by major payment networks (Visa, Mastercard, Discover, Amex, etc.). It develops specifications to ensure secure, worldwide interoperability of payment transactions, including standardizing QR code formats for mobile wallets.
Benefits of EMVCo QR
Standardized EMV QR codes eliminate mobile payment fragmentation. A single EMV QR can route transactions to multiple networks, offering universal interoperability, enhanced security, faster merchant onboarding, and a seamless consumer checkout experience.
Merchant-Presented Mode
In Merchant-Presented Mode (MPM), the merchant generates a QR code containing their payment routing information, and the consumer scans it using a mobile wallet. This studio automatically formats your input into a strict EMVCo MPM payload.
Tag-Length-Value (TLV)
Data is encoded using a TLV structure. For example, 000201 represents Tag 00, Length 02, Value 01. The generator ensures all parent and sub-tags strictly conform to the 99-character length limits dictated by the EMV standard.
CRC16 Data Integrity
To guarantee the payload hasn't been tampered with, the final 4 bytes contain a Cyclic Redundancy Check (CRC16) checksum calculated using the 0x1021 polynomial. This tool calculates the checksum in real-time as you type.
Global Interoperability Standards
Payloads generated here conform to the EMV® QR Code Specification for Payment Systems. Please note: This tool is an independent technical utility and is not affiliated with, nor endorsed by, EMVCo, LLC.