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Code payments work

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60 views

Code payments work

Uploaded by

alpana.p
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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How QR Code payments work

QR codes, short for Quick Response codes, are two-dimensional barcodes that 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 that are 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 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.

How to scan and pay with a QR Code

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

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 Unified Payment Interface (UPI) by scanning
a QR code.

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 in front of the QR code. Ensure that the entire QR code is
visible within the scanning frame on the screen.

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.

4. 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.

5. 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.

6. Authorise the transaction

Once you select to ‘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.

7. Verify with the merchant

Lastly, you can check the transaction details displayed on the screen and verify
the same with the merchant. Besides, both you and the merchant will receive
real-time notifications confirming payment for easy processing.

Click here for mobile recharge through PayZapp on your IOS phone.

Click here to recharge online through PayZapp on your Android phone.

Tips to securely pay with a QR Code

You can follow the below mentioned tips to make secure QR code payments:
• Download trustworthy payment app

There are a range of mobile payment apps available with QR code scanning
feature. You should consider reliable apps backed by a trustworthy institution.
For example, PayZapp is backed by HDFC Bank, that allows you to make a host
of payments including recharges, bill payment, fund transfer to bank accounts,
etc., securely.

• Update the app regularly

Software updates often include security patches and bug fixes, ensuring a safer
payment experience. Hence, it is critical to keep your payment app up to date
with the latest software versions. You can set the updates to download
automatically.

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