Create Mvisa QR Code

You can create either a dynamic QR (tied to a specific TransactionToken) or a static QR (reusable) by setting StaticQR.

The API returns a payload string in ResultExplanation. Render that string as a QR image in your app/site (any standard QR library).

Endpoint

POST https://secure.3gdirectpay.com/API/v6/

Headers

Content-Type: application/xml; charset=utf-8
Accept: application/xml

Request

Fields

Field	Required	Description
`CompanyToken`	Yes	Your merchant token
`Request`	Yes	Must be `createMvisaQRcode`
`TransactionToken`	Yes	Use for dynamic QR tied to a specific transaction
`StaticQR`	No	`1` to generate a static QR (default `0` = dynamic)

Dynamic vs Static

Dynamic (recommended): include TransactionToken; the QR encodes a specific order and amount.

Static: set <StaticQR>1</StaticQR>; generates a merchant QR not tied to one token.

Example — Dynamic QR

<?xml version="1.0" encoding="utf-8"?>
<API3G>
  <Request>createMvisaQRcode</Request>
  <CompanyToken>YOUR_COMPANY_TOKEN</CompanyToken>
  <TransactionToken>1639BBCE-0676-47BF-B0E1-ABC35402E25D</TransactionToken>
</API3G>

Example — Static QR

<?xml version="1.0" encoding="utf-8"?>
<API3G>
  <Request>createMvisaQRcode</Request>
  <CompanyToken>YOUR_COMPANY_TOKEN</CompanyToken>
  <StaticQR>1</StaticQR>
</API3G>

Response

Success (Result `001`)

<?xml version="1.0" encoding="utf-8"?>
<API3G>
  <Result>001</Result>
  <ResultExplanation>007834004328790355736269932231701153034045413981.0000000005802KE5925Direct Pay Online Test Ac6007Nairobi62060502186304212|4039 8410 0000 0061|Direct Pay Online Test Ac</ResultExplanation>
</API3G>

Result — 001 = success
ResultExplanation — the QR payload string (EMV-style). Feed this text into a QR generator.

Error (Result `999`)

<?xml version="1.0" encoding="utf-8"?>
<API3G>
  <Result>999</Result>
  <ResultExplanation>Error</ResultExplanation>
</API3G>

▶️ Test in Postman

How to Render the QR

Use any standard QR library (frontend or backend). You simply pass the payload string from ResultExplanation to the generator.

Example (JavaScript, pseudo):

// payload = value of <ResultExplanation>...</ResultExplanation>
QRCode.toCanvas(canvasElement, payload); // or toDataURL / toString

Example (PHP, pseudo):

// Use a QR lib like endroid/qr-code
$qrcode = QrCode::create($payload)->setSize(300);

Tip: For receipts/PDFs, generate a PNG from the payload and embed it.

Best Practices

Prefer dynamic QR for one-time invoices and exact amounts (use TransactionToken).
Use static QR for countertop/printed codes where the amount is entered by the customer.
Log Result, ResultExplanation (hash), TransactionToken (if any), and timestamp.
If you see 999 Error, verify tag names/encoding and that your merchant is enabled for mVISA.

Typical Flow (Dynamic QR)

sequenceDiagram
  participant M as Merchant Server
  participant D as DPO API
  participant U as Customer

  M->>D: createToken → TransToken
  M->>D: createMvisaQRcode (TransactionToken)
  D-->>M: Result=001 QR payload string
  M-->>U: Render QR - customer scans & pays
  D-->>M: BackURL callback with result
  M->>D: (optional) verifyToken