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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
| Standard | EMVCo QR Code Specification for Payment Systems (Merchant-Presented Mode); Brazil BR Code (Banco Central do Brasil); India UPI URI (NPCI) |
|---|---|
| Character set | EMVCo: tag-length-value text with CRC; UPI: 'upi://pay?pa=...&pn=...&am=...' URI |
| Capacity | As QR Code |
| Error correction | QR error correction; EMVCo payloads end with a CRC-16 field (tag 63) |
| Dimension | 2D 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.