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Consumer Support Portal (Version 2.1)

Bharat QR is P2M (Person to Merchant) Mobile payment solution.

This solution is mutually derived among NPCI, Visa and Mastercard payment networks. Once the BQR codes are deployed on Merchant locations, user can pay the utility bills using BQR enabled mobile banking apps without sharing any user credentials to the merchant. It is a quick method of payment.

Bharat QR works as an alternate channel of payment, where cardholder/smartphone owner has to download his/her bank’s mobile banking app. User has to scan the Bharat QR code at Merchant store and select card or BHIM UPI to make payment. Once the payment is successful, both customer and merchant receive notification in mobile application for successful transaction.

Unlike other QR Codes, Bharat QR code has lots of additional data elements like merchant name, address, Merchant Bank information, etc... Bharat QR code is much more widely acceptable and secure than other QR codes. Users can pay using any card scheme such as - RuPay, Visa, MasterCard and Amex and through BHIM UPI.

The customer needs to follow below steps-

a. Customer has to click on the ‘transaction history’ tab given in the app.

b. Record the failed transaction details.

c. Report to issuing bank with the failed transaction details or user can also raise complaint in app.

In case the customer’s account is debited but the merchant has not received the Payment, the money will be automatically refunded back into cardholders account.

Sometimes this takes longer than intended time. Incase if customer has not received the refund within 24 hours, customer should contact customer support of the bank. Cardholder can also raise a chargeback through proper channel as prescribed by the respective banks.