How To Scan And Pay With Qr Code

In today’s fast-paced digital world, online payments have become the norm for many. While cash cannot be completely replaced, making smartphone payments has become the preferred mode to save time. Among other digital payment modes, scanning and paying with QR codes is gaining significant traction. You may have encountered these unique square patterns almost everywhere, from retail stores to restaurants and public transportation. But what exactly are QR codes and what is the process to scan to pay with them? Read ahead to understand.

QR codes, short for Quick Response codes, are two-dimensional barcodes you can scan using your smartphone. They consist of three black squares arranged on a white background. The typical alignment is small squares on the upper and lower left corners and another square on the upper right corner. The rest of the grid involves an arrangement of pixels.
QR codes can store various types of information, such as website URLs, contact details, text, or payment information. Unlike linear barcodes read through laser barcode scanners from paper, QR codes are scannable from both paper and screens. This makes them an efficient means to accept payments. Hence, most merchants display QR codes on their point-of-sale (POS) system for processing instant payments.
You can make QR code payments by scanning the QR code on the merchant’s store via an Online Payment App like PayZapp. After successful scanning, the app decodes the information like the recipient’s name, payment amount, and additional transaction data encoded within the QR code. You will then receive a prompt to pay. After executing the operation, the app will send you a payment alert.

The step-by-step process to scan and pay through a QR code is explained as follows:

Step 1: Open a mobile payment app
Download a mobile payment app like PayZapp from your smartphone’s app store. As an HDFC Bank customer, you can install and register on the app with your bank details to link your bank account in PayZapp. Once done, you can use it to make contactless payments via the Unified Payment Interface (UPI) by scanning a QR code.

Step 2: Position the QR Code
You will find an option to ‘Scan QR code to pay’ on PayZapp’s dashboard. Select the option and launch the QR code scanner. You can then position your smartphone’s camera before the QR code. Ensure that the entire QR code is visible within the scanning frame on the screen.

Step 3: Scan the QR Code
When you position your camera to align with the QR code, the app will automatically scan the code. Once scanned, the app will process the code and display payment details.

Step 3: Retrieve payment information
After successful processing, the app will decode the QR code and retrieve the payment information within seconds. It typically includes the recipient’s name and the transaction amount. In some cases, you might have to enter the amount manually.

Step 4: Confirm the payment
You can review the payment information and ensure its accuracy, such as the payment amount, recipient’s name, and any additional transaction details. Once satisfied, you can confirm the payment.

Step 5: Authorise the transaction
Once you select ‘Pay’, PayZapp will prompt you to authenticate your payment. The process involves entering your UPI PIN of four or six digits. Post payment completion, the app will display a confirmation message on your screen.

Step 6: Verify with the merchant
Lastly, you can check the transaction details displayed on the screen and verify the same with the merchant. Besides, you and the merchant will receive real-time notifications confirming payment for easy processing.
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You can follow the below-mentioned recommendations to make secure QR code payments:

Download Trusted App
Choose a reliable mobile payment app with QR code scanning capabilities. Opt for apps backed by reputable institutions like PayZapp by HDFC Bank. It securely handles various transactions, including recharges, bill payments, and fund transfers.

Update Regularly
Keep your payment app updated to benefit from security patches and bug fixes. Regular updates enhance safety and performance. Enable automatic updates to ensure you always have the latest version.

Beware Phishing
Be cautious of fake QR codes used by scammers. Verify the source before scanning, and only use codes from trusted entities to protect your payment details.

Use Secure Wi-Fi
Always use password-protected, secure Wi-Fi networks when making payments. Avoid public Wi-Fi, which may be vulnerable to unauthorized access.

Set Strong PIN
Create a unique and difficult-to-guess UPI PIN to secure your transactions. Always cover the PIN entry to prevent others from seeing it.

Paying with QR codes lets you enjoy the following benefits:

• Quick and hassle-free payment experience.
• Elimination of the need to carry cash or banking cards.
• Secure payments due to encryption and tokenisation.
• Versatile payments, such as retail purchases, bill payments, donations, and online web-based transactions
• Accessibility at various POS terminals in India.
• Instant receipt of payment through alerts and notifications.
• Automated record-keeping in the transaction history on the payment app you use.

QR codes offer a simple and efficient way to make online and in-store payments. Just scan the code, and your payment is completed within minutes. For a smooth and secure payment experience, consider using a reliable mobile payment app like PayZapp from HDFC Bank. It provides effortless transactions, real-time alerts, and easy access to your transaction history. Signing up on PayZapp is quick and easy—just complete your KYC, link your Debit or Credit Card, and register for UPI.
Make QR code payments with PayZapp anywhere and everywhere and receive instant alerts!
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*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.