31 July 2017 – EMVCo, the global technical body that manages the
EMV® Specifications, has publicly released two QR Code payment specifications
that support merchant-presented QR Code and consumer-presented QR Code use
cases. The technical documents define QR Code payments in a manner that
simplifies the development and potentially broadens the acceptance of QR Code
payment solutions globally.
QR Codes are two-dimensional machine-readable barcodes, which are
increasingly used to facilitate mobile payments at the point-of-sale. The EMV
QR Code Specification for Payment Systems supports two differing
QR Code payment use cases:
– the customer displays the QR Code
on their mobile device and the merchant uses an optical scanner to read the
Merchant-presented – the merchant displays
the QR Code and the customer uses their mobile device to scan the code.
The clarity provided by the specifications will enable merchants to
accept QR Code payment solutions
from various providers in a standardised manner. Consumers will also benefit
from a more uniform experience that offers greater convenience and familiarity.
The EMV QR Code Specification for Payment Systems can coexist with
existing proprietary QR Code
solutions. All EMV Specifications are available on a royalty-free basis to all
interested parties from the EMVCo website.
Cheryl Mish, EMVCo Board of
Managers Chair, comments:
“With the increasing deployment of QR Code payment methods, it is important that the payments ecosystem
provides a consistent experience for merchants and consumers. Given the early
stage of deployment of this emerging payment technology and growing adoption,
now is the time to ensure the technology’s potential is not constrained in the
future due to interoperability issues with the established payment
EMVCo is also developing a
self-testing framework for the merchant-presented and consumer-presented
specifications which allows point of interaction (POI) implementers to evaluate
whether their QR Codes are generated or interpreted in compliance to the EMV QR
Code Specifications. This is expected to be available in early 2018.
EMVCo will manage and advance the QR Code payment specifications in line
with industry requirements. Interested parties can be part of this evolution
through the EMVCo Associates
Programme, EMVCo’s participation
framework that enables contributions to its specifications.