EMV QR Code Specification

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The EMV QR Code Specification is a payment-industry standard from EMVCo that defines how QR codes encode data for QR-based payment systems. It covers both merchant-presented QR codes — in static and dynamic forms — and consumer-presented QR codes, specifying the data formats and structures needed for interoperable mobile payments. Adopted globally by the major payment networks, including Visa, Mastercard, UnionPay, and JCB, the specification lets a customer pay by scanning a merchant's code, or a merchant scan the customer's code, across different banks, wallets, and countries. By standardizing the payload format rather than the symbology itself, EMV QR underpins much of the world's QR-code-based point-of-sale and mobile-wallet ecosystem, making it the authoritative reference for secure, interoperable QR payments.