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I'm trying to write some code that will do consumer presentment of EMV payment QR codes. That actual coding of the QR code seems pretty easy once I have the data for a particular credit card the consumer owns.

What I'm having a hard time finding is how you can scan individual credit card to get the needed data for generating the QR code.

Questions:

  1. can you simply have the consumer type in the cc#, security code, etc. and then use that to generate a consumer qR code for presentment to a POS scanner?
  2. if the answer to #1 is 'no', then how can you access the data on the credit card? NFC? Barcode scan? Is the data needed for QR code presentment available via NFC for example without going through some kind of EMV certified device to read it?
Fred Covely
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  • I have never seen a payment terminal that would accept a QR-code for payment. There are solutions on the market that a cash register does accept coupons (Barcode/QR-code) for discounting or "paying" the price but in the end the left price have to get payment on the payment terminal using a real card (via magnetic stripe, inserting the card using the chip or NFC) or with Google/Apple Pay and a "virtual" credit card using NFC. So where do you want to present a QR code to pay something ? – Michael Fehr Oct 01 '22 at 17:26

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