1. The State Bank of Pakistan Raast QR Standard
Under the National Payment Systems Strategy, the State Bank of Pakistan (SBP) launched Raast as Pakistan's instant payment system. Raast QR codes comply with the international EMVCo Merchant-Presented QR Code Specification using Tag-Length-Value (TLV) payload encoding.A compliant static Raast QR payload contains structured data objects: * Tag `00` (Payload Format Indicator): `01` * Tag `01` (Point of Initiation Method): `11` for static or `12` for dynamic * Tag `26` to `51` (Merchant Account Information): Contains the IBAN / Raast Alias, Member Bank Identifier, and sub-tags * Tag `52` (Merchant Category Code): Standard 4-digit ISO 18245 code * Tag `53` (Transaction Currency): `586` (PKR ISO code) * Tag `58` (Country Code): `PK` * Tag `63` (CRC-16/CCITT): Mandatory 4-character checksum calculated over all preceding characters
2. JazzCash & Easypaisa Merchant Integration
For informal micro-merchants and freelance service providers operating outside full Raast corporate acquiring: * JazzCash Till Format: Generates merchant payment strings routing directly to the 8-digit or 11-digit mobile account till identifier. * Easypaisa Format: Encodes merchant wallet numbers with transaction reference parameters for instantaneous P2M settlement.All payment QR codes generated on QR Code Tools execute client-side with zero intermediary financial storage, ensuring full confidentiality for both merchant and consumer.