All Days Except National Holidays(08:00 AM To 08:00 PM)
Bharat QR is P2M (Person to Merchant) Mobile payment
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
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.