In recent years, digital transactions have become increasingly popular in India, with the government promoting cashless payments as part of its push towards a digital economy. One of the latest developments in this space is BharatQR, a quick response code that enables easy and secure smartphone payments.

BharatQR has gained traction among merchants and consumers due to its simplicity, low cost, and interoperability. This article will explore how BharatQR works, its benefits, and how it powers digital transactions in India, making it easier and more accessible for all.

What is Bharat QR?

BharatQR is a QR code-based payment system enabling digital smartphone transactions. It was introduced by the National Payments Corporation of India (NPCI) in collaboration with Mastercard, Visa, Rupay, and American Express.

BharatQR simplifies the payment process by eliminating the need for physical cards or point-of-sale (POS) terminals. Merchants can generate a QR code that customers can scan using their mobile banking app to initiate a payment.

BharatQR is secure, interoperable, and low-cost, making it an ideal payment solution for small businesses and consumers. With BharatQR, digital payments have become faster, easier, and more accessible.

Features of BharatQR in India

BharatQR, a payment system that uses QR codes to facilitate digital transactions, has gained immense popularity in India since its launch. Here are some of its key features:

Interoperability: BharatQR is interoperable across multiple payment networks, including Visa, Mastercard, and American Express. This makes it easy for merchants to accept payments from various customers.

Simple and Secure: With BharatQR, customers can pay by scanning a QR code using their mobile banking app. The payment process is quick, easy, and secure, with end-to-end encryption ensuring that customer data is protected.

Low Cost: BharatQR is a low-cost payment solution that eliminates the need for expensive point-of-sale (POS) terminals. This makes it an ideal payment option for small businesses and merchants.

Fast Settlement: BharatQR transactions get settled quickly, with funds typically credited to the merchant’s account within one to two business days.

Multi-Language Support: BharatQR supports multiple languages, making it accessible to customers across India.

Wide Acceptance: BharatQR is accepted by a growing number of merchants, including online retailers, supermarkets, and small businesses. This wide acceptance ensures that customers can use BharatQR to make payments wherever they go.

Sample of BharatQR

Sample of BharatQR - EasebuzzA sample of BharatQR would look like a black and white square with a pattern of small squares inside it. The QR code contains information about the merchant, such as their account number and the transaction amount. To make a payment, a customer would scan the QR code using their mobile banking app, confirm the transaction amount, and enter their PIN or biometric authentication.

The cost is processed instantly, and the funds are credited to the merchant’s account. BharatQR is a simple and secure payment solution gaining popularity in India due to its ease of use and low cost.

How Does BharaQR Function?

BharatQR is a payment acceptance solution that streamlines the payment process for merchants and customers. It generates a unique QR code containing information about the merchant, such as their account number and the transaction amount. Here’s a step-by-step guide on how BharatQR functions:

Customer opens a mobile app: To initiate a payment, the customer opens their mobile banking app and selects the option to make a payment using BharatQR.

Scans the QR code: The customer then scans the QR code generated by the merchant using their mobile phone’s camera.

Enters the payment amount: After scanning the QR code, the payment amount is automatically displayed on the customer’s mobile app. The customer can verify the amount and enter any additional details, such as a payment reference or invoice number.

Authorizes the payment: Once the payment amount has been confirmed, the customer approves it using their PIN or biometric authentication, such as fingerprint or face recognition.

Payment confirmation: The payment is processed instantly, and the customer receives a transaction confirmation on their mobile app.

Settlement: The funds are settled within one to two business days and credited to the merchant’s account.

BharatQR offers a simple, secure payment solution accessible to all customers and merchants. Its ease of use, low cost, and fast settlement make it an ideal payment option for India’s growing digital economy.

How to apply for BharatQR?

To apply for BharatQR, merchants need to follow a few simple steps. Here are the requirements to get started:

A bank account: Merchants must have a bank account to receive payments through BharatQR.

Valid documents: Merchants must provide valid documents, such as PAN and Aadhaar cards, to verify their identity and address.

A payment service provider: Merchants can sign up with a payment service provider like Easebuzz, which enables them to accept payments through Bharat QR.

A smartphone: Merchants need a smartphone with a camera to generate and display the QR code.

A BharatQR-enabled payment application: Merchants need to download a BharatQR-enabled payment application from their payment service provider to generate and display the QR code.

Once all the requirements are met, merchants can start accepting payments through BharatQR, a fast, secure, and low-cost payment solution that is gaining popularity in India.

Which Type of merchant can apply for BharatQR?

BharatQR is an inclusive payment acceptance solution that is available to various types of merchants in India. Here are the types of merchants who can apply for BharatQR:

Sole Proprietorship: Individual businesses can apply for BharatQR to accept digital customer payments.

Partnerships/Limited Liability Partnership: Partnership firms and LLPs can apply for BharatQR to facilitate seamless payment transactions.

Private Limited Company: Limited companies can apply for BharatQR to enable digital payments for their products and services.

Co-operative Society/Subsidiaries and Associations/Trust/Club: Various associations and societies, including co-operative societies, trusts, and clubs, can apply for BharatQR.

Religious Organisation/Educational Institute/Government Body: Religious organizations, educational institutes, and government bodies can also apply for BharatQR to collect donations, fees, and other payments.

Public Sector Undertakings: Public sector undertakings can adopt BharatQR to provide customers with an easy and secure payment solution.

Insurance/Mutual Fund: Insurance companies and mutual funds can use BharatQR to collect premium payments and investments from their customers.

Non-Government Organisation (NGO/Charitable Trust): NGOs and charitable trusts can apply for BharatQR to receive donations and contributions from their supporters.

Overall, BharatQR is a versatile payment acceptance solution that caters to the needs of various merchants in India.

Difference between BharatQR and other QR Payment Solutions

BharatQR is one of India’s leading payment acceptance solutions, and it differs from other QR payment solutions in various ways. Here is a comparison table of BharatQR and other QR payment solutions based on critical parameters:

Parameters BharatQR Other QR Payment Solutions
Interoperability Interoperable with all banks and payment networks in India Limited interoperability, restricted to specific banks or payment networks
Transaction/Transfer Limit Up to INR 2 lakhs per transaction Varies based on the payment service provider and bank
Transfer of Money to Bank Account Funds are automatically settled to the merchant’s bank account May require additional steps or fees to transfer funds to the bank account

Overall, BharatQR stands out for its interoperability, higher transaction limits, and faster settlement of funds to the merchant’s bank account, making it a popular payment acceptance solution among merchants in India.

How is BharatQR Empowering Digital Transaction

BharatQR empowers digital transactions in India by offering merchants and customers a convenient, secure, and interoperable payment acceptance solution. Here’s how:

Streamlined payment acceptance: BharatQR enables merchants to accept digital payments from customers hassle-free, without additional hardware or point-of-sale terminals.

Interoperability: BharatQR is interoperable with all banks and payment networks in India, making it easier for customers to pay and merchants to receive payments.

Enhanced security: BharatQR uses industry-standard encryption and tokenization technology to ensure the safety of payment transactions.

Lower cost: BharatQR is a cost-effective payment acceptance solution, eliminating the need for costly point-of-sale terminals and reducing transaction fees.

Faster settlement: BharatQR enables more immediate payment of funds to the merchant’s bank account, enabling businesses to have better cash flow and manage their finances efficiently.

Multi-Language Support: BharatQR supports multiple languages, making it accessible to more customers across India.

Overall, BharatQR empowers digital transactions in India by making payment acceptance easy, secure, and cost-effective for merchants while offering a convenient payment option for customers.

How Does Easebuzz Come into Play?

Easebuzz is crucial in empowering digital transactions through BharatQR by providing merchants with various payment acceptance solutions. Easebuzz offers a comprehensive suite of payment acceptance solutions, including payment gateway, payment link, UPI payment gateway, InstaCollect, Easycollect, ePOS, Feesbuzz, and many more. These solutions enable merchants to accept payments seamlessly and securely, regardless of the size of their business.

Easebuzz’s payment gateway enables merchants to accept digital payments through various modes, such as credit/debit cards, net banking, UPI, and BharatQR. Payment link allows merchants to create a connection and send it to their customers via email, SMS, or WhatsApp, enabling them to make payments securely. UPI payment gateway enables merchants to accept payments through UPI, India’s most popular payment mode. InstaCollect and easy collect are solutions allowing merchants to collect recurring payments from their customers.

ePOS is a comprehensive point-of-sale solution that includes various features such as inventory management, billing, and reporting, making it easier for merchants to manage their businesses. Feesbuzz is a platform that enables educational institutions to collect fees from students seamlessly, reducing the time and effort required for fee collection.

Overall, Easebuzz’s suite of payment acceptance solutions complements BharatQR by providing merchants with comprehensive tools to manage their payments efficiently and securely.


In conclusion, BharatQR is a revolutionary payment acceptance solution that simplifies digital payments for merchants and customers. With its interoperability, simplicity, low cost, fast settlement, multi-language support, and wide acceptance, BharatQR has emerged as one of India’s most popular payment modes. The ability to make payments through a mobile app by scanning a QR code has made it convenient and secure for customers to transact with merchants.

Moreover, Easebuzz’s suite of payment acceptance solutions has further strengthened BharatQR’s position by providing merchants with various tools to manage their payments efficiently. Overall, BharatQR has been instrumental in driving the growth of digital payments in India, making transactions faster, safer, and more accessible to everyone.