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BHIM/BharatQR Code (Scan & Pay):

Bharat / BHIM QR(Scan & Pay) is a digital payment acceptance channel displayed at the merchant establishment to facilitate receipt of payments by scanning the QR Code from any DebitCard/CreditCard& UPI linked mobile app.

Bharat / BHIM QR Code works in similar fashion of existing PoS and Card system. However unlike PoS only printed Bharat / BHIM QR Code sticker will be placed at merchant’s location.


Features of BHIM/Bharat QR Code:

  • Inter-operable- You can use any of the apps that support Bharat/ BHIM QR and pay using Cards (via Visa, MasterCard, or Rupay) or BHIM-UPI
  • Aims at standardizing the QR code payment method throughout the country.
  • Hassle Free- Customers need not to carry physical Cards.
  • Secure- UPI is the most convenient and secure payment channel. Your Card details are not exposed to any third party.
  • No additional charges– There are no additional charges applied to customer for making payments via Bharat / BHIM QR.

Requirement as a Merchant:

The merchant needs to have the following to start using Bharat/BHIM QR:

  • Smart phone (Presently Android).
  • Data connection (2G, 3G or 4G).
  • For Bharat QR Code- Merchant app “PNB Bharat QR Merchant”
  • For BHIM QR Code- Merchant app “BHIM”

Requirement as a Customer:

  • Mobile app linked with Debit/CreditCard& UPI

For more details, please contact your nearest PNB branch.

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