Static QR

This page gives you an overview of Decentro's static QR capability.

Overview

A UPI QR code is a machine-scannable Quick Response (QR) code that contains the merchant's UPI details. To initiate a payment, a payer can scan the code using their UPI payment app (such as Gpay, PayTM, etc.). These codes must comply with NPCIโ€™s UPI infrastructure requirements to ensure that the merchant's details are stored securely and that there are no errors during the payment journey.

Static QR codes usually only contain the merchantโ€™s UPI VPA (virtual payment address). This makes them highly reusable; a merchant can accept multiple payments via static QR. Such QR codes can be easily printed and shared with the payer at the time of payment, requiring very little effort in terms of technical integration from the merchant. On the other hand, the payer will have to manually enter the transaction amount on their UPI payment app when scanning a static QR. UPI QRโ€™s found in most retail stores or public vehicles are Static QRโ€™s

Pre-requisites

  • Create a virtual account for a customer/partner/vendor with Decentro through APIs or from Decentro's dashboard.
  • Configure a Master virtual account for yourself. Please mail us at [email protected] for Decentro to configure this at its end.
  • Configure callbacks for balance if you wish to see your ledger balance. Please mail us at [email protected] with the callback endpoints.

Flow

Below is the flow of Decentro's static QR flow.

  • The platform reaches out to Decentro and shares the relevant merchant details who will collect the funds.
  • Decentro creates a UPI handle for the merchant, which the merchant can create a QR at their end OR
  • Decentro can create multiple QR codes for each merchant on the platform.
  • Decentro maps each QR code to a ledger account designed to hold the balance.
  • A payer scans the QR code from their app and pays using the UPI app of their choice.
  • Decentro triggers an Account Balanceto the end-point configured by the platform.
  • Decentro settles the funds to the merchant or platform's bank account as per agreed timelines.