How to Use the UPI Payment App to Send Money Using a QR Code?

Gone are those tiring and stressful days when you had to carry a wallet full of cash or cards to make the payments. Digital advancements have made it extremely easy for everyone to make instant payments for their purchase. In just a matter of seconds, you can effortlessly complete a payment by scanning the provided QR code. The introduction of the UPI app is the reason behind this ease.

UPI (Unified Payments Interface) is an instant real-time payment system developed by the National Payments Corporation of India (NPCI) that enables transactions between two bank accounts on a mobile platform. The platform facilitates the seamless transfer of funds between bank accounts, providing a convenient and secure avenue for conducting financial transactions.

UPI has made it easier than ever to send money to anyone using a mobile device. One of the most convenient ways to send money using a UPI payment app is through a UPI QR code. 

How to Make a UPI Payment Using a QR Code?

A UPI QR code is a two-dimensional barcode that a mobile device camera can scan to access information quickly, including payment details. This allows easy and quick payments at malls, restaurants or medical stores. Using QR codes to make transactions is no science and can be done by anyone.

Here are the steps to use a UPI payment app to send money using a QR code:

Step 1: Download the preferred UPI mobile application and log in with your registered mobile number. Ensure you research different online options and download the most reliable app that offers numerous benefits. Bajaj Finserv is one such app that provides an easy interface to help you make instant payments without any hassle.

Step 2: Link your bank account to the UPI app by providing your bank account details and creating a UPI PIN.

Step 3: Open the UPI payment application and select the option to send money. You will receive a prompt to enter the recipient’s UPI ID, mobile number, or bank account details. Alternatively, you can choose the option to scan to pay.

Step 4: If you choose to scan and pay, position your mobile device camera over the code and scan it using the QR code scanner. The UPI app will then recognise the payment details encoded in the QR code, such as the recipient’s UPI ID and the amount to be paid.

Step 5: Confirm the payment details, enter your UPI PIN, and authorise the transaction. The payment will be processed instantly to the recipient’s account.

Sending money via the scan-to-pay option is quick, easy, and secure. It eradicates the necessity for manual input of payment details, minimising the chances of errors and enhancing the overall convenience of the payment procedure. Additionally, UPI QR codes are highly secure, using encryption technology to protect payment information from unauthorised users.

Final Thoughts

Thus, leveraging the UPI payment app to send money through QR codes is remarkably efficient and user-friendly in the digital financial world. The simplicity of scanning a QR code to initiate transactions, coupled with the added layer of security through the UPI PIN, provides a seamless and secure experience. This technology streamlines the process of sending money and reduces reliance on traditional cash transactions and physical cards. 

Bajaj Pay UPI, created by Bajaj Finserv, is one of India’s top financial services providers. To utilise the Bajaj Pay UPI service, you need to download the application and subsequently register using your mobile number. The application seamlessly integrates with a multitude of prominent banks in India, ensuring widespread accessibility for a diverse user base.

With Bajaj Pay UPI, you can easily link your bank accounts and make transactions to any UPI ID or bank account number. The transaction process has become even easier through the Bajaj QR code scanner as it makes payments fast and hassle-free.

In conclusion, sending money using a Bajaj QR code scanner is a highly convenient and secure way to transfer funds. With the increasing popularity of UPI, you can expect more innovative use cases of QR codes in the future.


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