Merchant Login

QR Payments

What is QR Payment?

QR Payments refer to digital transactions initiated by scanning a QR (Quick Response) code using a mobile device. The code contains the merchant’s payment information, enabling customers to complete payments instantly via UPI, wallets, or banking apps without the need for card swipes, cash, or typing details

QR payments are widely used in India due to their simplicity, cost-efficiency, and compatibility with both smartphones and feature phones (via dynamic/static codes).

How QR Payments Work

Here’s how a typical QR code payment flow works:

  • Merchant displays a QR code (static or dynamic) at the point of sale or on an invoice.
  • Customer scans the code using a UPI-enabled app like Google Pay, PhonePe, Paytm, or their bank app.
  • Payment details auto-fill (amount, merchant info).
  • Customer confirms and authenticates the payment using UPI PIN or other methods.
  • Funds are transferred instantly, and both parties receive confirmation.

QR payments can be P2M (person to merchant) or P2P (person to person).

Benefits of QR Payments for Businesses

  • Low Setup Cost: No hardware needed—just a printed or digital QR code.
  • Instant Settlement: Real-time confirmation via UPI or card networks.
  • Seamless CX: Fast, frictionless, and contactless checkout experience.
  • Secure Transactions: Encrypted, device-authenticated, and regulator-compliant.
  • Scalable: Ideal for retail, eCommerce, logistics, education, and utilities.

Types of QR Codes in Payments

  • Static QR: Fixed merchant info; customer enters amount.
  • Dynamic QR: Auto-generates per transaction with predefined amount and metadata.
  • UPI QR: Interoperable across banks and apps in India.
  • Card Network QR: Linked to Visa, Mastercard, or RuPay.

Is QR Payment Safe?

Yes. QR payments in India, especially UPI-based, are governed by the Reserve Bank of India (RBI) and NPCI, offering strong protection via:

  • End-to-end encryption
  • UPI PIN authentication
  • Secure device binding
  • Optional biometric login

Merchants can also reduce fraud by using dynamic QR codes and integrating with smart routing systems.

QR Payment Adoption in India

India leads globally in QR code payments, driven by:

  • UPI’s zero MDR for small merchants (subject to changes)
  • Widespread smartphone adoption
  • Government push for digital economy
  • Offline UPI/UPI Lite for rural inclusion

Frequently Asked Questions (FAQs)

A QR code in payment is a scannable square barcode that contains payment information (merchant ID, amount, etc.), enabling instant digital transactions.

QR payments are secure due to UPI PIN-based authentication, bank-grade encryption, and real-time settlement protocols regulated by RBI.

Most UPI apps need an internet connection. However, UPI Lite and offline QR solutions are being rolled out for no-internet scenarios.

Static QR remains the same for all payments; the payer enters the amount. Dynamic QR is generated per transaction with a fixed amount and order details.

Yes. Businesses can generate QR codes for subscriptions and use UPI mandates to collect recurring payments seamlessly.