Bharat QR Code Guide for Merchants: SBI, HDFC, ICICI, Axis & PNB

Bharat QR is an interoperable merchant QR payment standard developed jointly by NPCI, Visa, Mastercard, and American Express.

How Bharat QR Differs from Standard UPI

While standard UPI processes bank-to-bank UPI transfers, Bharat QR supports direct debit and credit card processing alongside UPI, enabling merchants to accept payments from Visa, Mastercard, RuPay, and mobile banking apps (YONO SBI, HDFC PayZapp, ICICI iMobile, Axis Mobile).

Display Best Practices for Retail Stores

Print Bharat QR and UPI codes on durable acrylic stands placed at checkout counters to speed up customer payment queues with zero POS terminal rental fees.