Bharat QR, developed by NPCI, Mastercard, and Visa, is an integrated payment system in India.  The money transferred through BharatQR is received directly in the user's linked bank account. It provides a common interface for American Express, Visa, Mastercard, and RuPay cards. BharatQR is inter-operable with all the banks. Currently, BharatQR is supported on Android and iOS devices.

BharatQR was launched in September 2016 as per the directions set by the Reserve Bank of India with aim of facilitating India in transition to a less-cash society. The system helps in enabling digital payments to reduce the usage of card swiping machines for payment. 

how  Bharat QR works?

Bharat QR is an integrated payment system. It uses your mobile phone to pay through your debit or credit card by scanning a code at the merchant’s place. It does away with the need to physically swipe debit or credit cards.

You must have your bank’s app with the Bharat QR payment facility. All you have to do is open the app, click the Bharat QR icon (some banks just say ‘Scan’), scan the QR code at the merchant establishment, enter the amount and your PIN. The payment is over.

The system, also, supports Dynamic QR code generation which eliminates the need of entering the amount for payment.Scanning the QR code is not the only way to make payments. Bharat QR payments can be made through account number with IFSC code, UPI payment address or Aadhaar number.

Bharat QR eliminates the need to physically hand over your debit or credit card to the merchant.

The merchant must have registered with the bank for receiving payments through Bharat QR.

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