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India QR (Quick Response) Code Based Payment System:

# NPCI has also launched its own QR code solution names Bharat QR Code. MasterCard and Visa to have a common Quick Response (QR) code-based payments solution to help shops across India accept electronic payments without a card swipe machine.

QR code or Quick Response code is a two-dimensional machine-readable code that is made up of black and white squares. These can be read by the camera of a smartphone.

As part of a multi-pronged push towards a cashless society, the Indian government has collaborated with RuPay, Mastercard and Visa, the three mobile payment providers in India, to adopt a standard Quick Response (QR) code called as ‘Bharat QR’.

Bharat QR Code functionality is similar to transaction process through POS Terminals. The merchants who are not interested to maintain the POS terminal and pay the rent, but want to make available similar payment option to their customers for payment of the Goods and services through their Mobile App. can avail Bharat QR Code facility.

Salient Features:

  • No Rentals
  • No maintenance Cost
  • No Installation Cost
  • Immediate installation of Bharat QR Code functionality without any cost.
  • Helpdesk/email for resolving the issue same as POS
  • No hidden Cost
  • The transaction proceeds will be credited to Merchant account on the next working day.
  • MDR same as of POS.


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