YES BANK Credit Card / Debit Card customers can now make payment on any retail stores supporting Bharat QR payments through YES PAY App. The Bharat QR feature on YES PAY App lets Cardmembers use their smartphones to scan the Bharat QR code at the merchant locations and make the payment easily.

About Bharat QR

Bharat QR is a QR based payment solution which represents a new channel of initiating and accepting payments between buyers and sellers (or consumers and merchants) using the mobile phone.

This solution has been jointly set up by NPCI, Visa and MasterCard where payment can be completed by simply scanning a Quick response (QR) code.

Convenient Payment modes

Transaction on Bharat QR can be completed via YES PAY App using YES BANK Credit / Debit Cards or YES BANK Account

Steps to complete purchase via Bharat QR

The below mentioned steps needs to be followed for purchase via Bharat QR:

Step-1: Login to YES PAY App. In case the App is not available on phone, please download and register for YES PAY app from either Google Play Store/Apple App Store

Step-2: Click on pay by Bharat QR option

Step-3: Scan merchant’s Bharat QR code

Step-4: Enter amount to be paid along with tip/convenience fee (if applicable) and confirm

Step-5: Select preferred mode for payment and confirm

Step-6: Receive payment confirmation message

1. What is Bharat QR?

Bharat QR is a QR based payment solution which represents a new channel of initiating and accepting payments between buyers and sellers (or consumers and merchants) using the mobile phone.

This solution has been jointly set up by NPCI, Visa and MasterCard where payment can be completed by simply scanning a Quick response (QR) code.

2. How does Bharat QR work?

Bharat QR works as an alternate channel of payment, where cardholder have to download the YES PAY app & scan the Bharat QR code at Merchant store and select their preferred payment mode to make payment. Once the payment is successful both cardholder and merchant receive notification in mobile application for successful transaction.

3. What are basic requirements for enablement for Bharat QR?

To scan the QR code, you must download and register for YES PAY app from either Google Play Store/Apple App Store.

4. What are various payment modes for completion of transaction and what is pre-requisite for paying using the payment modes ?

Transaction can be completed using any of the following modes

5. How is Bharat QR transaction different from POS transaction?

In POS transaction, a POS terminal is required whereas, in Bharat QR all you need is a QR code. Also, in case of Bharat QR transaction, the mobile phone is used to scan the QR Code placed at the merchant outlet and make the payment using the various payment modes linked to the YES PAY application.

6. Where can I use Bharat QR to make purchase?

Just look for the Bharat QR code mark (displayed by the merchant at his location in case of static QR /on merchants App in case of dynamic QR) wherever you wish to pay.

7. What are steps to complete purchase via Bharat QR?

The below mentioned steps needs to be followed for purchase via Bharat QR:

Step-1: Login to YES PAY App

Step-1: Click on pay by Bharat QR option

Step-2: Scan merchant’s Bharat QR code.

Step-3: Enter amount to be paid along with tip/convenience fee (if applicable) and confirm.

Step-4: Select preferred mode for payment and confirm

Step-5: Receive payment confirmation message.

8. How will the customer be informed/notified about the successful transaction?

Customer will receive notification on the YES PAY application that the transaction has been performed successfully.

9. Do I need to be customer of YES BANK to use Bharat QR to make payments?

No, you need not be a YES BANK customer to complete payments using UPI or wallet. To make payment through YES BANK Account or YES BANK Debit Card/Credit Card you need to be a YES BANK Customer

10. Are there any charges for using Bharat QR?

There are no additional charges for making transaction through Bharat QR.

11. How can I access a record of all historical transactions?

You can access the record of transactions as under depending on the payment mode:

12. Does my mobile number with YES PAY app and the one registered with my bank account/Credit Card have to be the same?

Yes. The mobile number which is used for registration of YES PAY and linked to your Bank Accounts/Credit Card must be the same.

13. What happens if the customer’s account/credit card has been debited and merchant has not received the payment?

In case the cardholder’s account is debited but the merchant has not received the payment, the money will be automatically refunded back into cardholders account/Credit Card.

Sometimes this takes longer than intended. Incase if cardholder does not receive the refund within 48 hours, customer should contact YES TOUCH Customer Care (1800 2000) and for Credit Card (1800 103 1212)

14. Will the transaction happen only during banking hours?

No, the transaction can be done any time and banking hours in not the constraint for doing Bharat QR transactions.