If you cannot perform payment using the QR code at some shop or to a friend. Then in this article, we know how to extract and find UPI IF from a QR Code.
In India, UPI (Unified Payments Interface)is the most preferred and easy-to-use online mobile transaction method. In the year 2022 alone on the UPI platform users have performed $1.22 in transactions.
With these numbers, one can identify how big this digital payment platform has become. To use this technology there are lots of UPI apps available in the market. Such as Google Pay, Ponepe, Paytm, Bhim UPI, and more… Even WhatsApp has enabled UPI transactions in its app. However, people are hardly using that feature.
To perform instant payment using such apps users either need to manually enter the UPI ID or can scan the bar code. Generally, in shops and commercial spaces, people scan QR codes to perform payments.
But what happens if you are not able to scan due to some technical glitch? Or just want to extract the UPI ID from a QR Code. Whatever, the reason would be, here are some ways to find it:
Using Google Search
To scan any QR code in order to get the UPI ID we can use Google’s search engine in any smartphone browser.
- On all Android smartphones and iOS devices, you can use the browser. Hence, open it and type Google.com.
- As the search engine opens, Tap on the Camera icon given beside the search box.
- Google Lens will open. Tap on the Camera shutter icon.
- Point the smartphone camera towards the QR code that’s UPI Payment ID you want to extract.
- Again tap on the Camera shutter icon to scan the code.
- This will generate a link. You can find the phone number and the third-party UPI name in that link.
- For example 9857555415@ybl, the 10 digit is a mobile number and @ybl is a third-party UPI service provider. @ybl is for Phonepe, @paytm is PayTm, @apl is for Axis bank, and so on.
- Once you have the UPI ID, copy it or just manually type in your Payment app such as the Bhim app, PhonePe, etc. to perform the online payment.
Use QR Code Scanner App
Another best method is to use some third-party QR & Barcode Scanner app. We can easily get them from our respective App stores. Although, you can download whatever you would like, here is the link to a popular one for Android and iOS devices.
- Install the QR Scanner app
- Open it on your smartphone
- Point the scanner (camera) to scan the UPI QR code
- Again you will have a URL with 10 digit number@service-provider code. For example 2546987459@paytm
- Now, copy or note down that phonenumber@service-code and enter it manually in your UPI application and send the money.
Is the QR code and UPI the same?
No, QR Code is a technique to embed data in the form of a matrix barcode (or two-dimensional barcode). Whereas the UPI is a digital payment platform that uses your mobile number as ID. However, generally, the merchants or business owners use QR codes generated by their banks or UPI service provider in which they store information or UPI ID in a matrix of small pixels, generally black in color.
How to get the BHIM UPI QR code?
- Once you have installed the BHIM app on your smartphone.
- Registered with your mobile number to generate a UPI ID.
- Once that is done, go to the Profile option on the BHIM app
- Under the Profile menu, you wee see your Bhim-generated UPI ID and QR code to accept digital payments.
Are UPI and BHIM the same?
No, UPI and BHIM are not the same. UPI is the unified Payments Interface developed by the National Payments Corporation of India. It is an interface or medium that allows person-to-person or person-to-merchant (P2M) transactions. It uses an open-source application programming interface (API) on top of Immediate Payment Service (IMPS). Whereas the BHIM is an app that uses UPI API to send and receive money just like other similar applications for example Google Pay, PhonePe, Paytm, and more. The only difference unlike other popular apps, BHIM doesn’t provide a wallet service.
Who owns UPI in India?
The entity behind the development of the Unified Payment Interface (UPI) is the National Payments Corporation of India (NPCI). It was established by the Reserve Bank of India (RBI) and the Indian Banks Association (IBA).