BharatQR/mVisa Payments – Scan to Pay
December 5, 2017

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Since demonetization, Government of India is making a push for cashless payments. Bharat QR has now been launched as an interoperable payment system. Developed by NPCI, MasterCard and Visa, Bharat QR requires merchants to display one QR code instead of several.

You can pay using your mobile phone to pay at a merchant’s location by scanning this  code. The payment is done through your debit or credit card but you don’t need to physically carry them on you or to swipe them.

This makes the payments easier and does away with the security risk and the hassle of physically carrying cards on you.

Simplicity of using Bharat QR Code:

In the last few years there has been a tremendous growth in cashless transactions. Yet, these have huge costs attached to them. Merchants need to maintain PoS (Point of Sale) machines and other necessary infrastructure to enable customers to pay using credit/debit cards. Bharat QR code is a two-dimensional machine-readable code that requires no or little infrastructure and reduces technological problems and issues such as lost or expired cards.
For customers, payment is quite seamless and instead of swiping your physical card you can just scan the QR code and payment is made directly to the merchant.

How to use Bharat QR Code?

1. Have your bank’s App with Bharat QR payment facility on your smartphone.

2. Open the App and click the Bharat QR icon or Scan option.

3. Scan the QR code at the merchant establishment.

4. Enter the amount along with your PIN.

5. Your payment is done.

Which Apps use Bharat QR code?

You can use the Udio App to make payments using Bharat QR. Additionally, all the leading banks in the country  have enabled the use of Bharat QR code on their apps.

This list includes the State of India, Bank of Baroda, Bank of India, ICICI bank, HDFC bank, RBL Bank, IDBI Bank, DCB Bank, Union Bank, Yes Bank and more.
Bharat QR code is the next step in making cashless transactions even more pervasive, safe and simple.

Have you tried it?



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