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Product type
OwnerNational Payments Corporation of India (NPCI)
Introduced20 February 2017; 2 years ago (2017-02-20)

BharatQR, developed by NPCI, Mastercard, and Visa, is an integrated payment system in India. The system, which was launched in September 2016, facilitates users to transfer their money from one source to another. The money transferred through BharatQR is received directly in the user's linked bank account. It provides a common interface between RuPay, Mastercard, Visa, American Express as opposed to other such systems used by startups and is interoperable with all the banks.[1] 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. A number of banks supported BharatQR, before the system was launched, and got ready to deploy it.[2]

Although, BharatQR primarily works by scanning QR codes, it is not the only way to make payments. It allows users to pay through Aadhaar number, UPI payment address or through account number and IFSC code, thus, minimizing the need to pay using debit and credit card which are, supposedly, less secure than BharatQR.[3] The system, also, supports Dynamic QR code generation which eliminates the need of entering the amount for payment.[4]

This payment system supports RuPay, Mastercard, Visa, American Express and 14 other national banks. Multiple cards can be linked to BharatQR supported bank apps and can be selected any one of them to handle transactions conveniently for bank customers, partners, merchants. BharatQR enables faster & secure mode of transactions with Immediate Payment Service (IMPS). There is no need to share mobile number or account details, CVV with anyone.[5]

NPCI, Mastercard and Visa developed BharatQR with provisions for three additional fields: bank account and IFS (Indian Financial System) code, Unified Payments Interface (UPI) and Aadhaar. These additional fields provide banks the option to populate them as QR-based payments scale in the country. American Express is also on board to adopt these standards. Interoperable solutions like BharatQR that are easy to scale, provide a safe, secure and seamless customer experience that is essential to accelerate transition to a less-cash society.[6]


Bijlipay became the first Indian Point-of-Sale (PoS) devices providing company to enable it on the screens of PoS machines. Bijlipay, an end to end digital payment solutions company, has enabled the QR code for 12,000 merchants and targets to make the facility available to another 50,000 merchants by the end of 2017.[7]

MSwipe Technologies, a major player in the POS industry has further diversified its omni-channel payment solutions by rolling out static and dynamic QR capabilities. MSwipe is looking to extend these solutions to its vast retail and corporate network that spans more than 5,00,000 merchants across India. They have also started onboarding new merchants that are keen on being future-ready with Bharat QR.

ItzCash announced rolling-out Bharat QR code feature across its retail network to scan and pay money with ItzCash's Point-of-Sale devices by simply flashing cell phone across our robust network of 75,000 outlets in 3,000 cities and towns across India.[8]

Samsung Pay, which earlier in 2017, integrated Samsung Pay mobile wallet with Unified Payments Interface, integrated BharatQR to pay at merchants supporting UPI payment system.[9]

By early 2018, Delhi Metro Rail Corporation is planning to introduce BharatQR code enabled AFC gates at all the stations of the Airport Express Line allowing passengers to use the system while using the Line. Two entry points at Lal Qila metro station and two exit points at Jama Masjid metro station are set by DMRC providing commuters to enter and exit using QR codes.[10]


  1. ^ "Bharat QR: Here are 5 things to know about the new cashless transaction mechanism". The Financial Express. 21 February 2017. Retrieved 17 November 2017.
  2. ^ "NPCI, Mastercard, Visa develop BharatQR" (PDF). NPCI. Retrieved 17 November 2017.
  3. ^ "How Bharat QR works". The Hindu Business Line. 29 March 2017. Retrieved 17 November 2017.
  4. ^ "BHARAT QR CODE | Ministry of Electronics and Information Technology, Government of India". Retrieved 17 November 2017.
  5. ^ "What are the Benefits & Features of Bharat QR Code?". Bharat QR Code. 3 November 2018. Retrieved 20 August 2019.
  6. ^ "NPCI, Mastercard and Visa unveil standardised QR code mobile payments for India • NFC World". NFC World. 21 February 2017. Retrieved 20 August 2019.
  7. ^ "Bharat QR code now enabled on POS machines for 12,000 merchants; Bijlipay targets another 50,000". The Financial Express. 24 May 2017. Retrieved 20 August 2019.
  8. ^ "ItzCash enables Bharat QR on its PoS terminals". Retrieved 20 August 2019. External link in |website= (help)
  9. ^ "Samsung Pay App in India Gets UPI Payments Support for Bharat QR Codes". NDTV Retrieved 17 November 2017.
  10. ^ "Use smartphone to travel on metro's Airport line soon | Gadgets Now". Gadget Now. Retrieved 17 November 2017.

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