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Payment QR Codes

The camera app can scan this. The Zebra app can scan this.

Around the world, shops and friends share QR codes to receive money. Brazil's Pix uses the EMVCo tag format, India's UPI uses a upi:// link, and in every case your own banking or wallet app shows the payee before you confirm.

Also called Payment QR, scan to pay QR, EMVCo QR, Pix QR (BR Code), UPI QR, merchant QR.

In this family

Specifications

StandardEMVCo QR Code Specification for Payment Systems (Merchant-Presented Mode); Brazil BR Code (Banco Central do Brasil); India UPI URI (NPCI)
Character setEMVCo: tag-length-value text with CRC; UPI: 'upi://pay?pa=...&pn=...&am=...' URI
CapacityAs QR Code
Error correctionQR error correction; EMVCo payloads end with a CRC-16 field (tag 63)
Dimension2D matrix

Where it is used

Retail and peer-to-peer payments (Brazil Pix, India UPI, many Asian EMVCo-based schemes)

People use it for retail and peer-to-peer payments (Brazil Pix, India UPI, many Asian EMVCo-based schemes).

Payment happens in a bank or wallet app. This app only returns the text. It does not pay.

Example

upi://pay?pa=name@bank&pn=Name&am=10.00

Scan and create

Create this code opens the barcode generator with this symbology and the sample text filled in.

The camera app can scan this and shows it as QR Code. It returns the raw text. It does not open links, look up products, or start a payment. The desktop companion types that text into the focused field.

The Zebra app can scan this. It returns the raw text.

Related codes

Questions

How do I pay with a QR code?

You pay in the bank or wallet app that understands the code, such as a Pix or UPI app. This app returns the text. It does not pay.

What is the difference between Pix and UPI QR codes?

Pix and UPI are payment systems in Brazil and India. The symbols are QR Codes with different text inside. This app returns that text and does not tell the two schemes apart.

How can I spot a fake payment QR code?

Check that the name and amount in the text are what you expect, and pay only inside a wallet you opened yourself. This app does not move money.