diff --git a/app/src/main/java/sh/sar/basedbank/api/bml/BmlQrPayClient.kt b/app/src/main/java/sh/sar/basedbank/api/bml/BmlQrPayClient.kt
index 009f9af..aafce82 100644
--- a/app/src/main/java/sh/sar/basedbank/api/bml/BmlQrPayClient.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/bml/BmlQrPayClient.kt
@@ -35,6 +35,39 @@ class BmlQrPayClient {
         }
     }
 
+    /**
+     * Pre-initiate step required for gateway QR (pay.bml.com.mv).
+     * POST without channel — expects code 99 (OTP channel selection required).
+     */
+    fun preInitiatePayment(
+        session: BmlSession,
+        debitAccount: String,
+        requestId: String,
+        amount: Double,
+        currency: String
+    ): Boolean {
+        val jo = JSONObject().apply {
+            put("action", "approve")
+            put("debitAccount", debitAccount)
+            put("requestId", requestId)
+            put("amount", amount)
+            put("currency", currency)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/walletpayments/pay")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val body = response.body?.string() ?: return@use false
+            val json = try { JSONObject(body) } catch (_: Exception) { return@use false }
+            json.optBoolean("success") && json.optInt("code") == 99
+        }
+    }
+
     /**
      * Step 1 — initiate: POST with channel but no OTP.
      * Returns true when server responds with code 22 (OTP generated).
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt
index 08e702a..8fbef5f 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt
@@ -40,7 +40,8 @@ class DashboardFragment : Fragment() {
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/")) {
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
             (requireActivity() as HomeActivity).navigateTo(
                 R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
             )
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/PayMvQrFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/PayMvQrFragment.kt
index a2930c7..13aa3d4 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/PayMvQrFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/PayMvQrFragment.kt
@@ -54,8 +54,9 @@ class PayMvQrFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
 
-        // BML card QR — hand off to dedicated payment screen
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/")) {
+        // BML card/gateway QR — hand off to dedicated payment screen
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
             (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
             return@registerForActivityResult
         }
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt
index 6061a76..0da63f7 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/PayWithCardFragment.kt
@@ -37,7 +37,8 @@ class PayWithCardFragment : Fragment() {
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/")) {
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
             (requireActivity() as HomeActivity).navigateTo(
                 R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
             )
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
index cb4b9b3..8744205 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
@@ -92,6 +92,7 @@ class TransferFragment : Fragment() {
 
     // BML QR merchant payment mode (set when navigated from a card QR scan)
     private var bmlQrInfo: BmlQrPayInfo? = null
+    private var bmlGatewayQr = false  // true for pay.bml.com.mv QRs (requires pre-initiate step)
 
     // BML business profile OTP flow state
     private enum class BmlOtpState { NONE, SELECTING_CHANNEL, AWAITING_OTP }
@@ -120,8 +121,9 @@ class TransferFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
 
-        // BML card QR — hand off to dedicated payment screen
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/")) {
+        // BML card/gateway QR — hand off to dedicated payment screen
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
             (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
             return@registerForActivityResult
         }
@@ -250,6 +252,7 @@ class TransferFragment : Fragment() {
     }
 
     private fun lookupBmlQrMerchant(qrUrl: String) {
+        bmlGatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/")
         val base64Url = android.util.Base64.encodeToString(
             qrUrl.toByteArray(Charsets.UTF_8), android.util.Base64.NO_WRAP)
         val app = requireActivity().application as BasedBankApp
@@ -909,6 +912,11 @@ class TransferFragment : Fragment() {
         viewLifecycleOwner.lifecycleScope.launch {
             val result = withContext(Dispatchers.IO) {
                 try {
+                    if (bmlGatewayQr) {
+                        val preOk = BmlQrPayClient().preInitiatePayment(
+                            session, debitAccount, info.requestId, amount, info.currency)
+                        if (!preOk) return@withContext null
+                    }
                     val initiated = BmlQrPayClient().initiatePayment(
                         session, debitAccount, info.requestId, amount, info.currency)
                     if (!initiated) return@withContext null