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 1f5afbb..d526d8a 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
@@ -87,7 +87,32 @@ class CardsFragment : Fragment() {
                 R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, pendingQrAccountNumber)
             )
         } else {
-            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            val qr = PaymvQrParser.parse(raw)
+            if (qr?.accountNumber != null) {
+                // PayMV QR — cards are not supported for this payment type.
+                // Navigate to transfer with the recipient pre-filled; use default account if configured.
+                Toast.makeText(requireContext(), R.string.card_qr_paymv_unsupported, Toast.LENGTH_SHORT).show()
+                val defaultFromNumber = store.getDefaultAccountNumber()
+                val fragment = if (defaultFromNumber != null) {
+                    TransferFragment.newInstanceFromQrWithFrom(
+                        accountNumber = qr.accountNumber,
+                        displayName   = qr.merchantName ?: qr.accountNumber,
+                        amount        = qr.amount,
+                        remarks       = qr.purpose,
+                        fromAccountNumber = defaultFromNumber
+                    )
+                } else {
+                    TransferFragment.newInstanceFromQr(
+                        accountNumber = qr.accountNumber,
+                        displayName   = qr.merchantName ?: qr.accountNumber,
+                        amount        = qr.amount,
+                        remarks       = qr.purpose
+                    )
+                }
+                (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, fragment)
+            } else {
+                Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            }
         }
         pendingQrAccountNumber = null
     }
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 ae5e16a..709eeab 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
@@ -202,6 +202,24 @@ class TransferFragment : Fragment() {
                 if (remarks != null) putString(ARG_REMARKS_PREFILL, remarks)
             }
         }
+
+        fun newInstanceFromQrWithFrom(
+            accountNumber: String,
+            displayName: String,
+            amount: String?,
+            remarks: String?,
+            fromAccountNumber: String
+        ) = TransferFragment().apply {
+            arguments = Bundle().apply {
+                putString(ARG_ACCOUNT, accountNumber)
+                putString(ARG_NAME, displayName)
+                putString(ARG_SUBTITLE, accountNumber)
+                putString(ARG_COLOR, "#607D8B")
+                putString(ARG_FROM_ACCOUNT, fromAccountNumber)
+                if (amount != null) putString(ARG_AMOUNT_PREFILL, amount)
+                if (remarks != null) putString(ARG_REMARKS_PREFILL, remarks)
+            }
+        }
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index 11c1b7a..7dd66d0 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -241,6 +241,7 @@
     <string name="transfer_scan_qr">Scan to Pay</string>
     <string name="qr_pick_image">Pick image</string>
     <string name="transfer_qr_invalid">Invalid or unsupported QR code</string>
+    <string name="card_qr_paymv_unsupported">PayMV QR is not supported for card payments — switching to transfer</string>
     <string name="qr_camera_permission_title">Camera permission required</string>
     <string name="qr_camera_permission_message">Camera access is needed to scan QR codes. Please grant the permission in Settings.</string>
     <string name="camera_permission_profile_message">Camera access is needed to take a photo. Please grant the permission in Settings.</string>