TECHNICAL STANDARDS CONNECTION QR

SWITCH SERVICES

<Applies to member organizations>

PART IV: QR REGULATIONS

1 Audience

Subjects of application of the “Switching Service Connection Technical Standards” are NAPAS
Organizations Member including but not limited to Banks Member (NHTV) of NAPAS and Intermediate
Payment Company (TGTT) participate in connecting and deploying QR switching service.

2 Scope

This document describes the message formats for switching service transactions QR that NAPAS deploys
with Organization Member.

3 Terms and acronyms

The following table describes the terms and abbreviations used in the document:
 No Term/Acronyms Translation

1 SW NAPAS Switching System

2 ACQ (NHTT) Acquirer (Bank)

3 ISS (NHPH) Issuer (Bank)

4 BNB Beneficiary Bank

5 TGTT Intermediate Payment Company

6 NHTV Bank Member

7 TCTV Organization Member (Including Bank Member and Intermediate Payment

Company)

4. Change history

Date Version Change History

2018-08-06 1.0 First release

2018-10-11 1.1 Update details of MCC in section 5.2.4 Code No item IT equipment
(ID 52)

2018-10-29 1.2 Change ID Merchant information from ID 26 to ID 38 in the

following items:
 - Section 5.2.3.2 Merchant Information ID 26 - 51

- Section 6. Explain of QR code

2018-11-20 1.3 Change AID information in section 5.2.3.2 Merchant information

agent ID 26 – 51.

The new AID value is:

- AID: always has the value "A000000727"

2019-01-30 1.4 - Add Service ID for ATM withdrawal with QR value is QRCASH
in tag 38

- Add 52 MCC tag for QR on ATM

- Add an example for QR Cash

- added description tag 62 for QR Cash service

2021-01-11 1.5 Adding Service ID for IBFT service by QR with

value QRIBFT in tag 38.

- Added a description of Benefit ID, Consumer ID for the service

IBFT by QR in tag 38.

- Add example for QR IBFT.

- Updated tag 58 with a more detailed description of the Country code

- Updated tag 53 for more detailed description of currency codes.

- Add description tag 62 for IBFT QR service

 2021-03-03 1.5.1 -Update Service ID for IBFT service by QR with value QRIBFTTC
and QRIBFTTA in tag 38 to seperate IBFT service to card/account.

- Add more examples for QRIBFTTC and QRIBFTTA

2021-04-24 1.5.2 Edit the example of creating CRC and QR

5 Data object structure

Transactions through the Switch QR system comply with the QR code Merchant Presented standard of
EMVco

5.1 Original data structures

The data contained in a QR code is structured as follows, each data object is created

into 3 individual data fields. The first field is a description of the identifier (ID) that the data object can be
referenced. The next field is the length field that specifies the number of characters that can be appear in
the third field. A data object is then represented as an include ID/Length/value as follows:

- ID is encoded as a two-digit numeric value, with a different value,

from "00" to "99"

- The length is encoded as a two-digit numeric value, with values from "01"

to "99"

- The value field has a minimum length of one character and a maximum length of 99
characters

Data objects that are not encapsulated in a templates are set to be under the root QR code
The value of an ID is not unique and the data object it refers to is the content specific. If the ID is not under
the root, the context of an ID is defined by the template package

For example, the ID "01" under the root of the QR Code refers to the Initialization method, while the ID
"01" refers to the Invoice Number when it is in the Additional Data Field Template (in the ID "62")

The Payload Format (ID "00") is the first data object under the root and allows the mobile application to
determine the representative data of the remaining data contained in the QR Code and data analysis. CRC
(ID "63") is the last object under the root and allows

The mobile application checks the integrity of the scanned data without the need to analyze the data off all
objects data. Location of all other data objects below the origin or in the template is arbitrary and can appear
in random order.

The format of the value field in a data object is:

- alphanumeric (N), numeric [N] format data objects containing only value is represented
by the digits "0" to "9". Each digit is encoded in. QR codes in binary are defined according to the
[Unicode] rule.

- special characters (ANS), Special characters contain only defined values in the generic
character set of [EMV Book 4]. Each character encoded in the QR code in binary defined according
to the [Unicode] rules

- string type (S). Contains only available values defined by [Unicode]. Each character
encoded in a QR code in binary is defined according to the Unicode definition

Note that the numeric type is a subset of the special character, and the special character is a subset of String.

Table 1.1 - Original data structure of QR Code for QR PUSH services

NAME ID Format Length Display

Payload Format Indicator “00” N “02” M

Point of Initiation Method “01” N “02” M

Merchant Account Information "02"- "51" S Maximum “99” M

Merchant Category Code “52” N “04” M

Transaction Currency “53” S “03” M

Transaction Amount “54” S Maximum “13” C

Tip or Convenience Indicator “55” N “02” O

Value of Convenience Fee Fixed “56” S Maximum “13” C

Value of Convenience Fee

“57” S Maximum “05” C
Percentage

Country Code “58” S “02” M

Merchant Name “59” ANS Maximum “25” M

Merchant City “60” ANS Maximum “15” M

Postal Code “61” ANS Maximum “10” O

Additional Data Field Template “62” ANS Maximum “99” C

Merchant Information - “64” ANS Maximum “99” O

 Language Template

RFU for EMVCo “65-“79” ANS Maximum “99” O

Unreserved Templates “80”-“99” ANS Maximum “99” O

CRC (Cyclic Redundancy Check) “63” ANS “04” M

Table 2.2 – Original data structure of QR Cash Service

NAME ID Format Length Display

Payload Format Indicator “00” N “02” M

Point of Initiation Method “01” N “02” M

Merchant Account Information "02"- "51" S Maximum “99” M

Merchant Category Code “52” N “04” M

Transaction Currency “53” S “03” M

Transaction Amount “54” S Maximum “13” C

Tip or Convenience Indicator “55” N “02” O

Value of Convenience Fee Fixed “56” S Maximum “13” C

 Value of Convenience Fee
“57” S Maximum “05” C
Percentage

Country Code “58” S “02” M

Merchant Name “59” ANS Maximum “25” M

Merchant City “60” ANS Maximum “15” M

Postal Code “61” ANS Maximum “10” O

Additional Data Field Template “62” ANS Maximum “99” M

Merchant Information -
“64” ANS Maximum “99” O
Language Template

RFU for EMVCo “65-“79” ANS Maximum “99” O

Unreserved Templates “80”-“99” ANS Maximum “99” O

CRC (Cyclic Redundancy Check) “63” ANS “04” M

Table 3.3 – QR IBFT Original Data Structure

NAME ID Format Length Display

Payload Format Indicator "00" N "02" M

Point of Initiation Method "01" N "02" M

Merchant Account Information "02"-"51" S Maximum "99" M

Merchant Category Code "52" N "04" O

Transaction Currency "53" N "03" M

Transaction Amount "54" S Maximum "13" C

Tip or Convenience Indicator "55" N "02" O

Value of Convenience Fee Fixed "56" S Maximum "13" O

Value of Convenience Fee "57" S Maximum "05" O

Percentage

Country Code "58" S "02" M

Merchant Name "59" ANS Maximum "25" O

Merchant City "60" ANS Maximum "15" O

 Postal Code "61" ANS Maximum "10" O

Additional Data Field Template "62" ANS Maximum "99" C

Merchant Information - "64" ANS Maximum "99" O

Language Template

RFU for EMVCo "65"-"79" ANS Maximum "99" O

Unreserved Templates "80"-"99" ANS Maximum "99" O

CRC (Cyclic Redundancy Check) "63" ANS "04" M

Table 4.1, Table 2.2 and Table 2.3 list the name of the data object, the ID of the data object, data object
value field format, data object value field length data, and the presence data of the data object in the Addition
of Field Templates. The Data (ID "62") of the QR Code is Mandatory (M), Conditional (C) or Optional (O)

Table 4.1 - Data Structure for Additional Information (ID “62”) for QR PUSH service

NAME ID Format Length Display

Bill Number "01" ANS Maximum "25" C

Mobile Number "02" ANS Maximum "25" O

Store Label "03" ANS Maximum "25" C

Loyalty Number "04" ANS Maximum "25" O

 Reference Label "05" ANS Maximum "25" C

Customer Label "06" ANS Maximum "25" O

Terminal Label "07" ANS Maximum "25" C

Purpose of Transaction "08" ANS Maximum "25" C

Additional Consumer Data "09" ANS Maximum "03" O

Request

RFU for EMVCo "10"-"49" ANS O

Payment System specific "50"-"99" ANS O

templates.

Table 5.2 – Data Structure for Additional Information (ID “62”) for QR Cash service

NAME ID Format Length Display

Bill Number "01" ANS Maximum "25" O

Mobile Number "02" ANS Maximum "25" O

Store Label "03" ANS Maximum "25" O

Loyalty Number "04" ANS Maximum "25" O

 Reference Label "05" ANS Maximum "25" M

Customer Label "06" ANS Maximum "25" O

Terminal Label "07" ANS Maximum "25" M

Purpose of Transaction "08" ANS Maximum "25" O

Additional Consumer Data "09" ANS Maximum "03" O

Request

RFU for EMVCo "10"-"49" ANS O

Payment System specific "50"-"99" ANS O

templates.

Table 6.3 Data Structure for Additional Information (ID “62”) for QR IBFT service

NAME ID Format Length Display

Bill Number "01" ANS Maximum "25" C

Mobile Number "02" ANS Maximum "25" C

Store Label "03" ANS Maximum "25" O

Loyalty Number "04" ANS Maximum "25" O

Reference Label "05" ANS Maximum "25" C

 Customer Label "06" ANS Maximum "25" C

Terminal Label "07" ANS Maximum "25" O

Purpose of Transaction "08" ANS Maximum "25" C

Additional Consumer Data "09" ANS Maximum "03" O

Request

RFU for EMVCo "10"-"49" ANS O

Payment System specific "50"-"99" ANS O

templates.

Each data object with IDs "01" through "08" in Table 4 can be used in two ways: either the Merchant can
provide both the ID and its meaningful value, or the Merchant can include an ID with a special value that
the mobile app can notify to consumers about this information.

To remind consumers of one or more of these values, the Merchant will consist of the corresponding ID in
each of template with a length of "03" and a value equal "***".

When the consumer is notified by the mobile app to put a value for any data object, the length of the entered
value must not exceed the length as shown in Table 4.

A data object with ID "09" contains one or more values that indicate a mobile app provided as part of the
initiation transaction mandatory. This data has been applied for mobile phones know and users do not need
to remind data. One or more of the following characters may appear in Additional Consumer Data Request

Request (ID "09") to indicate that the corresponding data should be provided in the start transaction to
complete the transaction

- "A" = Consumer's address

- "M" = Consumer's mobile phone number

 - "E" = Consumer's email address

If there is more than one character, it means that each data object corresponds to the character required to
complete the transaction. Note that each character can only appear onetime.

Table 7 lists the name of the data object, the ID of the data object, the format of the data object, the length
of the data object, and whether the presence of the data object in the Merchant information language (ID
"64") of the QR Code is Mandatory(M), Conditional (C) or Optional (O). These data objects can be used
by a mobile application to present information Merchant by Language Preference.

NAME ID Format Length Display

Language Preference "00" ANS "02" M

Merchant Name - Alternate "01" S Maximum "25" M

Language

Merchant City - Alternate Language "02" S Maximum "15" O

RFU for EMVCo "03"–"99" S Maximum "99”

Data objects with IDs "01" and "02" are used as a Additinal for Merchant information under the root
directory. While the underlying data objects are equivalent to defined with a special Alphanumeric format,
and thus can only contain the usual character, these data objects, if any, are defined with a String format,
so it may contain another character set.

5.2 Original data object

5.2.1 Data Version (ID 00)

Format: N

Length: 2
Display: Mandatory

Purpose: The data version is the first data object in the QR code, used to identify QR code versions and
rules for IDs, lengths, values. The data version has a value of “01”.

Other values are registered for backup.

5.2.2 Initialization method (ID 01)

Format: N

Length: 2

Display: Optional

Purpose: Initialization method defines the communication technology to distinguishes the data is dynamic
or static

- “11” = Static QR – applies when the QR code allows multiple transactions.

- “12” = Dynamic QR – applies when the QR code only allows one transaction

5.2.3 Identifier Merchant ID (ID 02-51)

Format: S

Length: up to 99

Display: Mandatory

Purpose: Merchant ID information is used to identify a specific Merchant. QR IBFT service identifies the
Beneficiary consumer and the Beneficiary bank (BNB)

5.2.3.1 Identifier Merchant ID (ID 02-25)

The ID 02-25 is registered by international organizations, in which:

ID 02-03: registered by Visa International;

ID 04-05: registered by Mastercard International;

ID 06-08: registered by EMVCo;

ID 09-10: registered by international card organization Discover;

ID 11-12: registered by Amex International Card Organization;

ID 13-14: registered by JCB International Card Organization;

ID 15-16: registered by UnionPay International Card Organization;

ID 17-25: registered by EMVCo

5.2.3.2 Identifier Merchant ID (ID 26-51)

IDs 26-51 are used for other Payment Intermediaries Company or Banks that not listed of the payment
organization at ID 02-25. ID 38 is used for QR service through the Napas system

Table 8 - Components of Merchant Account information field

Tên ID Format Length Display Note

ID defined data with one of the following

GUID
maximum values:
(Global “00” S M
“32”
UID)
AID: always has the value “A000000727”

Association of data objects with IDs and the

Organization
type of data object specific to the GUID.
Member
(Including
Bank Sub
"01" S M Length Format Purpose
Member and Tab
Intermediate
Payment Acquirer
Company) 00 6 S
ID/
 BNB ID

Merchant
ID/
Maximum
01 S
19
Consumer
ID

For ex: 000697040301162112995044604025

In which:

Sub
Length Value
Tab

00 6 970403

01 16 2112995044604025

Specify the data of each type of service, In case

QR does not have this service code understood
as QRPUSH service

- QRPUSH: goods payment service by

QR
Service code “02” S “10” C
- QRCASH: cash withdrawal service at
ATM by QR
- QRIBFTTC: 24/7 money transfer
service from QR code to the card
- QRIBFTTA: 24/7 money transfer from
a QR code to the Number Account

5.2.3.2.1 Globally Unique Identifier - GUID (ID 00)

There is an alphanumeric format with a maximum length of 32 characters, named the NAPAS
AID: A000000727

5.2.3.2.2 Merchant ID (ID 01)

Includes 2 sub-parts as follows:

- ACQ ID / BNB ID: banks in Vietnam use BIN code issued by the State Bank of
Vietnam. Example: 970403.

- Identifier Merchant ID/Consumer ID in alphanumeric format (ANS) with maximum 19 characters

length. The value of Merchant ID can be Tax ID, Business ID business, household registration
number or identifier. This character string is defined according to the specific regulations of the
Bank. Consumer's Value ID is the customer's account number opened at the beneficiary bank (BNB
ID).

5.2.3.2.3 Service code (ID 02)

Regulation of data of each type of service, in case QR does not have this service code referred to QRPUSH
service

VALUE PURPOSE

QRPUSH QR code for payment service

QRCASH QR code for withdrawal service

QRIBFTTC QR code for quick money transfer 24/7 to card

QRIBFTTA QR code for quick money transfer 24/7 to bank account

5.2.3.2.4 Example

Example 1: QRPUSH service

 000697040301162112995044604025

In which “970403” is ACQ ID, “2112995044604025” is Merchant ID belonging to ACQ bank

Sub tab Lenght Value Purpose

00 06 970403 ACQ ID

01 16 2112995044604025 Merchant ID belongs to ACQ ID

Example 2: QRCASH service

00069704030108012345678

In which “970403” is ACQ ID, “012345678” is ATM code

Sub tab Lenght Value Purpose

00 06 970403 ACQ ID

01 08 012345678 ATM ID

Example 3: IBFT by QR to bank account

000697046801130011009950446

In which “970468” is BNB ID, “0011009950446” is the Consumer ID

Sub tab Lenght Value Purpose

00 06 970468 ACQ ID
 01 13 0011009950446 Consumer ID

5.2.4 List of Merchant ID (ID 52)

Format: N

Length: 4

Display: Mandatory

Purpose: The Merchant ID code must follow the ISO 18245 standard and is assigned by the payment
organization. This MCC must indicate the Seller's Commodity Code.

The list of MCCs is as follows:

Table 9 – List off MCC

MCC Purpose

5139 Commercial Footwear

5192 Books, Periodicals, and Newspapers

5231 Glass, Paint, Wallpaper Stores

5411 Supermarkets, Grocery Stores

5611 Men’s and Boy’s Clothing and Accessories Stores

5621 Women’s Ready-to-Wear Stores

5631 Women’s Accessory and Specialty Shops

5641 Children’s and Infant’s Wear Stores

5651 Family Clothing Stores

5661 Shoe Stores

5691 Men’s and Women’s Clothing Stores

5734 Computer Software Stores

5812 Eating places and Restaurants

Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs

5813
and Discotheques

5814 Fast Food Restaurants

5912 Drug Stores and Pharmacies

5921 Package Stores – Beer, Wine, and Liquor

5832 Antique Shops – Sales, Repairs, and Restoration Services

5940 Bicycle Shops – Sales and Service

5941 Sporting Goods Stores

5942 Book Stores

5943 Stationery Stores, Office and School Supply Stores

5944 Watch, Clock, Jewelry, and Silverware Stores

5945 Hobby, Toy, and Game Shops

5946 Camera and Photographic Supply Stores

5947 Card Shops, Gift, Novelty, and Souvenir Shops

5977 Cosmetic Stores

5992 Florists

5995 Pet Shops, Pet Foods, and Supplies Stores

6011 Financial Institutions – Manual Cash Disbursements

Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere

7011
classified)

7211 Laundry Services - Family and Commercial

7216 Dry Cleaners

7298 Health and Beauty Shops

8062 Hospitals
5.2.5 Currency Code (ID 53)

Format: N

Length: 3

Display: Mandatory

Purpose: Base on ISO 4217 compliant currency code that specifies the currency of a transaction that
customers can recognize through the mobile application every time the transaction amount is displayed or
when the customer enters the amount in the application.

For example, VND is represented by the value “704”

Currency Code Value Explain

JPY 392 Yen Japanese

KRW 410 Won Korea

MYR 458 Ringgit Malaysia

CNY 156 RMB China

IDR 360 Rupiah Indonesia

PHP 608 Peso Philippines

SGD 702 Dollar Singapore

THB 764 Baht Thailand

 VND 704 Vietnam Dong

5.2.6 Transaction Amount

Format: S

Length: up to 13

Display: Conditional Optional

Purpose: If displayed, the transaction amount will be shown to the customer through the mobile app. The
transaction amount must be non-zero value, only numbers from "0" to "9" and can contain a "." character. If
the amount includes decimals, the "." will be used to separate the part decimal from integers and the "." can
appear even without the decimal part feces.

The number of characters after the decimal must match the currency exponent associated with the currency
code base on ISO 4217.

Amount must not contain any other characters (e.g. do not use space character.) way to separate thousand
unit

Ex: Valid transaction amount: "50000", "50000.

"Invalid transaction amount: "50 000"

If the transaction amount is not displayed on the mobile application, the customer will enter the amount of
number.

5.2.7 Indicator for Tip and Transaction Fees (ID 55)

Format: N

Length: 2

Display: Optional
Purpose: If displayed, the Tip indicator and Transaction Fees will consist of 1 of value “01”, “02”, “03”.
Other values are register as backup

Value “01”: customer enter tip of mobile app

Value “02”: The Merchant collects the fixed fees specified at (ID “56”)

Value “03”: The Merchant collects the percentage fees specified at (ID “57”)

If the Transaction Amount does not appear in the QR code, the Tip Indicator and Transaction Fee may
appear.

5.2.8 Fixed fee value (ID 56)

Format: S

Length: up to 13

Display: Conditional Optional

Purpose: If Tip Indicator and Transaction Fee appear in (ID "55") with value = 02 then fixed fee value (ID
“56”) will appear. Fixed fee amount will be displayed to the customer through mobile app. If displayed, the
transaction amount will be shown to the customer through the mobile app. The transaction amount must be
non-zero value, only numbers from "0" to "9" and can contain a "." character. If the amount includes
decimals, the "." will be used to separate the part decimal from integers and the "." can appear even without
the decimal part feces.

If (ID “55”) has a value other than 02, (ID “56”) will not appear.

5.2.9 Percentage Charge Value (ID 57)

Format: S

Length: up to 5

Display: Conditional Optional

Purpose: If Tip Indicator and Transaction Fee (ID "55") have value = 03 then Percentage Charge Value
(ID “57”) will appear and have a value from “00.01” to “99.99”. The percentage fee value will only include
numeric characters from “0” to “9” and may include 1 character “.” To separate decimals feces, characters
"." can still appear even without decimals. The percentage charge value must not include any other
characters. For example, the character “%” is not allowed.

f ID “55” has a value other than 03, ID “57” will not appear

5.2.10 Country code (ID 58)

Format: S

Length: 2

Display: Mandatory

Purpose: Identifies the country in which the Merchant do the transaction. Regulated country code according
to [ISO 3166-1 alpha 2]. Country codes can be displayed to customers through mobile application during
transaction processing.

Country Code Explanation

JP Japan

KR Korea

MY Myanmar

RC China

RI Indonesia

RP Philippines

SG Singapore
 TH Thailand

VN Vietnam

5.2.11 Merchant Name (ID 59)

Format: ANS

Length: maximum 25

Display: Mandatory

Purpose: he transaction name of the Merchant, which can be displayed to the customer through the
application mobile application during transaction processing.

5.2.12 City (ID 60)

Format: ANS

Length: maximum 15

Display: Mandatory

Purpose: The Merchant City specifies the physical location in which the Merchant operates.

5.2.13 Postal Code (ID 61)

Format: ANS

Length: up to 10

Display: Optional

Purpose: If present, ZIP code indicates the postal code of the place where the Merchant placed. Depending
on the country, the Postal Code can be a Zip code or a PIN code or

Postal code of Merchant.

5.2.14 Additional Information (ID 62)

Format: ANS

Length: up to 99 characters

Display: Optional

Purpose: The Supplementary Information field provides additional data to assist in the fields case is
different and includes at least 1 data object

Table 10 – Additional Data Field

Name ID Format Length Display Description

Invoice/receipt number
Maximum
Bill Number "01" ANS O
"25" provided by Merchant or self-entered
by customer into the app.

Mobile number
Maximum
Mobile Number "02" ANS O
"25" provided by Merchant or self-entered
by customer into the app.

Maximum Store label value, this can be supply by

Store Label "03" ANS O
"25" merchant or entered by customer

Loyalty Number value, this can be

Maximum
Loyalty Number "04" ANS O supply by merchant or entered by
"25"
customer

Any other value according to the law

Maximum
Reference Label "05" ANS O by Merchant/Bank to determine the
"25"
transactions
 Maximum May be used as Customer code,
Customer Label "06" ANS O
"25" customer number, bill/invoice number

Maximum Unique code related to terminal

Terminal Label "07" ANS O
"25" devices of Merchant

Purpose of Maximum Define the purpose of transaction such

"08" ANS O
Transaction "25" as: mobile top-up, buying goods…

One or more characters of the

following order can appear, tell
Additional Maximum corresponding provide on transaction
Consumer "09" ANS "03" initialization
Data Request - "A" = Customer Address
- "M" = Customer mobile number
- "E" = Customer email

"10"- Registered by EMVCo in

RFU for EMVCo S
"49" future purpose

Payment System "50"-

S
specific templates. "99"

- If displayed, the Additional Information field (ID 62) will include at least one object data and total
length of all data objects in ID 62 not exceed than 99 characters.
- The content of the object value for IDs from “01” to “08” can be “***” or a value specified by the
Merchant. If the content is "***", the customer will enter the information into the mobile
application.
- Request additional customer information (ID “09”) including any combination any of the
characters: “A”, “M” and/or “E”, and will have only one value for each of each characters.
- If a Specific Payment System (ID 50-99) is present it will include a GUID basic (ID 00) with one
of the following values:
 o An AID includes a RID code specified in ISO/IEC 7816-5, and may consist of a PIX code
according to ISO 7816-4.
For example: "A000000727".
o A UUID without a (-) separator.
For example: "581b314e257f41bfbbdc6384daa31d16".
o A reverse domain name
For example: "vn.com.napas.qrcodeservice”

5.2.15 Validation Code - CRC (ID 63)

Format: ANS

Length: maximum 4

Display: Mandatory

Purpose: CRC - Checksum is calculated according to ISO/IEC 13239 using polynomial '1021'(hex) and the
initial value 'FFFF' (hex). Checksum is calculated for all data objects, include the ID, Length and Value in
the QR code in the correct order of appearance, beside including the ID and Length of the CRC (but not the
CRC value). How to create a CRC see details in Section 6.

5.2.16 Merchant ID – Alternative Languages (ID 64)

Format: ANS

Length: maximum 99

Display: Optional

Purpose: Merchant language information – Alternative languages include information

Merchant in an alternate language and may use a different language set than the normal language.

Table 11- Merchant Information – Alternative Language Field

Name ID Format Length Display

 Language Preference "00" ANS "02" M

Merchant Name - Alternate M

"01" S maximum "25"
Language

Merchant City - Alternate O

“02” S maximum "25"
Language

RFU for EMVCo “03-“99” S maximum "99"

5.2.16.1 Alternate Language (ID 00)

Format: ANS

Length: 2

Display: Mandatory

Purpose: Alternative languages are specified by [ISO 639]. This value represents the language used to
encode the Merchant Name as an alternate language and the name of City as an alternative language.

5.2.16.2 Name of Merchant in alternative language (ID 01)

Format: S

Length: maximum 25

Display: Mandatory

Purpose: The transaction name of the IIT in the native language of the IIT.

5.2.16.3 City as Alternate Language (ID 02)

Format: S

Length: maximum 15
Display: Optional

Purpose: The name of the Merchant city in its local language.

5.2.17 Registered by EMVCo (ID 65-79)

Format: ANS

Length: maximum 99

Display: Optional

Purpose: Data objects that have been registered by EMVCo for use in future

5.2.18 Unregistered Additional Information (ID 80-99)

Format: ANS

Length: maximum 99

Display: Optional

Purpose:

- The QR Code may not contain or Additional Information that is not yet available register.
- Unregistered additional information may be distributed and used by other parties, such as
(domestic) payment systems and service providers value-added services to use for their own
products. Then they can define the meaning, description and format for the QR code. Each system
vendor payment or value-added services stipulate their data into an ID separate of Unregistered
Additional Information. For example, the first dataset the first is specified in ID “80”, the second
tuple is specified in ID “81” …

Name ID Format Length Display Description

 Mandatory data regulation ID with one
Globally off theses following values:
Unique
Maximum
"00" ANS M - AID
"32"
Identifier- - UUID without the sign (-)
GUID separate (;)
- Reverse domains

Mobile "01" – Combination of objects data with IDs

S O
Number “99” and specific data object to GUIDs

If present, Unregistered Supplementary Information contains the following data elements:

- GUID (ID "00") consists of one of the following values:

• An AID includes a RID code specified in ISO/IEC 7816-5, and may include a PIX code
according to ISO 7816-4.

For example: "A000000727".

• A UUID without a (-) separator.

For example: "581b314e257f41bfbbdc6384daa31d16".

• A reverse domain name.

For example, “vn.com.napas.qrcodeservice”

6 Description of QR code

6.1 QR PUSH Payment

6.1.1 Static QR code without service code

00020101021138480010A0000007270130000697040301162112995044604025520458125303
7045802VN5910PHUONG CAC6005HANOI62110307NPS68696304922963045802
Name ID Length Value

Payload Format
00 02 01
Indicator

Point of Initiation
01 02 11
Method

Merchant Account 0010A000000727

38 48
Information 0130000697040301162112995044604025

Merchant Category
52 04 5812
Code

Transaction
53 03 704
Currency

Country Code 58 02 VN

Merchant Name 59 10 PHUONG CAC

Merchant City 60 05 HANOI

Additional Data
62 11 0307NPS6869
Field Template

CRC (Cyclic
Redundancy 63 04 5802
Check)
Steps to create QR

Name Input Data Result

00020101021138480010A0
00000727013000069704030
Create CRC
11621129950446040255204
http://www.lammertbies.nl/ 581253037045802VN5910P
HUONG 5802
comm/info/
CAC6005HANOI62110307

crccalculation.html NPS68696304

00020101021138480010A0
00000727013000069704030
11621129950446040255204
Create QR
581253037045802VN5910P
https://www.theqrcode- HUONG
generator.com/ CAC6005HANOI62110307
NPS686963045802

6.1.2 Static QR with service code

00020101021138580010A0000007270130000697040301162112995044604025 0206QRPUS

H 5204581253037045802VN5910PHUONG

CAC6005HANOI62110307NPS686963049229 6304 3820

Name ID Length Value

 Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 11

0010A000000727
0130000697040301162112995044604025
Merchant Account Information 38 58

0206QRPUSH

Merchant Category Code 52 04 5812

Transaction Currency 53 03 704

Country Code 58 02 VN

Merchant Name 59 10 PHUONG CAC

Merchant City 60 05 HANOI

Additional Data Field Template 62 11 0307NPS6869

CRC (Cyclic Redundancy Check) 63 04 3820

Steps to create QR

Name Input Data Result

00020101021138480010A0
Create CRC 3820
00000727013000069704030
11621129950446040255204
 http://www.lammertbie 581253037045802VN5910P
s.nl/ HUONG
comm/info/crc CAC6005HANOI62110307
calculation.html NPS68696304

00020101021138580010A0
00000727013000069704030
Create QR 11621129950446040250206
QRPUSH520458125303704
https://www.the-
5802VN5910PHUONG
qrcodegenerator.com/
CAC6005HANOI62110307
NPS686963043820

6.1.3 Dynamic QR without service code

00020101021238480010A0000007270130000697040301162112995044604025520458125303

70454061800005802VN5910PHUONG CAC6005HANOI62110307NPS68696304 79EE

Name ID Length Value

Payload Format
00 02 01
Indicator

Point of Initiation
01 02 12
Method

010A000000727
Merchant Account
38 48 0130000697040301162112995044604025
Information
 Merchant Category
52 04 5812
Code

Transaction
53 03 704
Currency

Country Code 58 02 VN

Merchant Name 59 10 PHUONG CAC

Merchant City 60 05 HANOI

Additional Data
62 11 0307NPS6869
Field Template

CRC (Cyclic
Redundancy 63 04 79EE
Check)

Step to create QR

Name Input Data Result

00020101021238480010A000
Create CRC
000727013000069704030116
http://www.lammertbie 2112995044604025520458125
30370454061800005802VN591 79EE
s.nl/
comm/info/crc 0PHUONG CAC6005HANOI
calculation.html 62110307NPS68696304
 00020101021238480010A000
000727013000069704030116
Create QR
2112995044604025520458125
https://www.the- 30370454061800005802VN591
qrcodegenerator.com/ 0PHUONG CAC6005HANOI
62110307NPS6869630479EE

6.1.4 Dynamic QR with service code

00020101021238580010A0000007270130000697040301162112995044604025520458125303

70454061800005802VN5910PHUONG CAC6005HANOI62110307NPS68696304 7C1B

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 11

0010A000000727
0130000697040301162112995044604025
Merchant Account Information 38 58
0206QRPUSH

Merchant Category Code 52 04 5812

Transaction Currency 53 03 704

Transaction Amount 54 06 180000

Country Code 58 02 VN
 Merchant Name 59 10 PHUONG CAC

Merchant City 60 05 HANOI

0307NPS6869
Additional Data Field Template 62 11

CRC (Cyclic Redundancy Check) 63 04 7C1B

Step to create QR

Name Input Data Result

00020101021238580010A000
Create CRC 000727013000069704030116
21129950446040250206QRP
http://www.lammertbie
USH520458125303704540618
7C1B
s.nl/
00005802VN5910PHUONG
comm/info/crc
CAC6005HANOI62110307N
calculation.html
PS68696304

00020101021238580010A000
000727013000069704030116
Create QR 21129950446040250206QRP
USH520458125303704540618
https://www.the-
00005802VN5910PHUONG
qrcodegenerator.com/
CAC6005HANOI62110307N
PS686963047C1B

6.2 QR Cash

00020101021238500010A000000727012200069704030108123456780206QRCASH52046011
53037045802VN5915NGUYEN HUY

HUAN6005HANOI623705212019010915571422838470708000011116304 1009

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 12

0010A000000727
01220006970403010812345678
Merchant Account Information 38 58
0206QRCASH

Merchant Category Code 52 04 6011

Transaction Currency 53 03 704

Country Code 58 02 VN

Merchant Name 59 10 NGUYEN HUU HUAN

Merchant City 60 05 HANOI

0521201901091557142283847
Additional Data Field Template 62 37 0708000011111

1009
CRC (Cyclic Redundancy Check) 63 04

Step to create QR
 Name Input Data Result

00020101021238500010A000
000727012200069704030108
Create CRC
123456780206QRCASH5204
http://www.lammertbie 601153037045802VN5915N
s.nl/ GUYEN HUU 1009
comm/info/crc HUAN6005HANOI62370521
calculation.html 201901091557142283847070
8000011116304

00020101021238500010A000
000727012200069704030108
123456780206QRCASH5204
Create QR
601153037045802VN5915N
https://www.the- GUYEN HUU
qrcodegenerator.com/ HUAN6005HANOI62370521
201901091557142283847070
80000111163041009

6.3 QR IBFT

6.3.1 IBFT static QR to the account.

00020101021138570010A00000072701270006970403011200110123456780208QRIBFTTA53

037045802VN6304 F4E5

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 11

 0010A000000727
0127000697040301130011012345678
Consumer Account Information 38 57
0208QRIBFTTA

Transaction Currency
53 03 704

Country Code
58 02 VN

CRC (Cyclic Redundancy

Check)
63 04 F4E5

Step to create QR

Name Input Data Result

Create CRC 00020101021138570010A000

000727012700069704030112
http://www.lammertbie
F4E5
s.nl/ 00110123456780208QRIBFT
comm/info/crc TA53037045802VN6304
calculation.html

00020101021138570010A000
Create QR
000727012700069704030112
https://www.the- 00110123456780208QRIBFT
qrcodegenerator.com/ TA53037045802VN6304F4E5
6.3.2 IBFT static QR to card.

00020101021138600010A00000072701300006970403011697040311012345670208QRI

BFTTA53037045802VN6304 BF11

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 11

0010A000000727
0130000697040301169704031101234567
Consumer Account Information 38 60 0208QRIBFTTC

Transaction Currency
53 03 704

Country Code
58 02 VN

CRC (Cyclic Redundancy

Check)
63 04 BF11

Step to create QR

Name Input Data Result

00020101021138600010A000
Create CRC BF11
000727013000069704030116
 http://www.lammertbie 97040311012345670208QRI
s.nl/ BFTTA53037045802VN6304
comm/info/crc
calculation.html

00020101021138600010A000
Create QR 000727013000069704030116
97040311012345670208QRI
https://www.the-
BFTTA53037045802VN
qrcodegenerator.com/
6304BF11

6.3.3 IBFT dynamic QR to account

00020101021238570010A00000072701270006970403011300110123456780208QRIBF

TTA530370454061800005802VN62340107NPS68690819 thanh toan don hang63042E2E

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 12

0010A000000727
0127000697040301130011012345678
Consumer Account Information 38 60
0208QRIBFTTA

Transaction Currency
53 03 704
 Transaction Amount
54 06 180000

Country Code
58 02 VN

Additional Data Field Template 0107NPS6869

62 34

CRC (Cyclic Redundancy

Check)
63 04 2E2E

Step to create QR

Name Input Data Result

00020101021238570010A000
Create CRC
000727012700069704030113
http://www.lammertbie 00110123456780208QRIBFT
TA530370454061800005802 2E2E
s.nl/
comm/info/crc VN62340107NPS68690819th
calculation.html anh toan don hang6304

00020101021238570010A000
000727012700069704030113
Create QR
00110123456780208QRIBFT
https://www.the- TA530370454061800005802
qrcodegenerator.com/ VN62340107NPS68690819th
anh toan don hang63042E2E

6.3.4 IBFT Dynamic QR to card.

00020101021138600010A00000072701300006970403011697040311012345670208QRI

BFTTA53037045802VN6304 A203

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 12

0010A000000727
0130000697040301169704031101234567
Consumer Account Information 38 60 0208QRIBFTTC

Transaction Currency
53 03 704

Transaction Amount
54 06 180000

Country Code
58 02 VN

107NPS6869
Additional Data Field Template
62 34
0819thanh toan don hang

CRC (Cyclic Redundancy

Check)
A203
63 04

Step to create QR
Name Input Data Result

00020101021238600010A000

0007270130000697040301169
Create CRC

7040311012345670208QRIBF
http://www.lammertbie
A203
s.nl/ TTC530370454061800005802
comm/info/crc
calculation.html VN62340107NPS68690819tha

nh toan don hang6304

00020101021238600010A000

0007270130000697040301169

Create QR 7040311012345670208QRIBF

https://www.the- TTC530370454061800005802
qrcodegenerator.com/
VN62340107NPS68690819tha

nh toan don hang6304A203