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What is UPI QR?
The commonly called UPI or Unified Payment Interface is a real-time payment system developed by the National Payments Corporation of India. UPI allows customers to send and receive money through their mobile devices instantly.
UPI QR code is a type of Quick Response code that enables users to make payments using the Unified Payments Interface (UPI) system in India. It's a 2D barcode that contains the merchant's UPI ID, which is used to initiate a payment transaction.
Each UPI ID is a unique identifier linked to a user’s bank account, and QR code simplify transferring money to the intended recipient.
Here's how it works
- A merchant displays a UPI QR code at their store or online platform.
- The customer scans the QR code using their UPI-enabled app (such as Google Pay, Paytm, or BHIM) on their mobile device.
- The app reads the QR code and retrieves the merchant's UPI ID.
- The customer enters the payment amount and authenticates the transaction using their UPI PIN.
- The payment is processed, and the customer receives a confirmation of the transaction.
Features of UPI QR Payment
Secure payments
The payments are completely secure. Your customers enjoy a hassle-free method to make payments.
No transaction costs
There are no additional transaction charges. Your customers pay only for the goods and services they buy, and you get your money without having to pay any hidden charges.
Compatibility with all banks
The UPI payment QR code accepts payments from all banks. Any customer can transfer money from any bank into your UPI ID linked account
Environmental Friendly
Going digital with UPI QR code payments reduces the need for paper receipts and cash handling contributing to a more environmentally friendly business operation.
APGB Merchant UPI QR code
Unlock the potential of digital payments with APG Bank’s UPI QR code facility. Whether you run a small business or a large enterprise, our payment solutions can streamline your payment process, enhance your customer satisfaction and drive growth. Our UPI QR code is compliant with NPCI's standards, ensuring a secure and seamless payment experience.
Features of APGB’s UPI QR Code
Easy Payments
Accept payments from customers using any UPI-enabled app, eliminating the need for cash or card transactions.
Convenient
Display a static QR code at your store or online platform, allowing customers to scan and pay instantly.
Secure
Our UPI QR code ensures secure transactions, protecting your business and customers from fraud
24x7 Transfers
Transfer funds all day long, 24x7 through UPI, offering better access to the customers.
Why Choose APGB UPI QR code?
Supercharge Your Sales
Experience instant payments that credit directly to your account. No more waiting, no more hassle – Just swift transactions that keep your business moving.
Save Big on Costs
UPI QR code payments are free of costs for both merchants and customers compared to traditional card payments.
Customer Convenience
Delight your customers with an easy, fast and secure way to pay, enhancing their overall shopping experience and boosting customer satisfaction.
No Equipment needed
All you need is a printed QR code to start accepting payments. Simple, efficient and cost effective.
Dual alerts for Double the Peace of Mind
Stay updated with APG Bank’s unique SMS alert feature, real-time SMS alerts sent to your linked number. Additionally, you can set up alerts to be sent to another number, ensuring your store teller is also informed of every transaction.
Unique VPA tag
Each QR code comes with a unique Virtual Payment Address(VPA) tagged with @mycggb, simplifying the identification and tracking of payments.
UPI QR codes have given an impetus to the offline payment process and enhanced security by eliminating the need to provide the account details manually. From street vendors to established businesses, offline merchants can ensure an efficient and cashless payment experience.
How to use APGB UPI QR code?
Step 1
Visit home branch and submit a request to generate UPI QR code.
Step 2
Branch will complete the onboarding process and generate QR code for your account.
Step 3
Display the QR code near your billing counter in your shop or business.
Step 4
Customers can scan the QR code through any UPI enabled app on thier mobile phone.
Step 5
Customer enters the amount and confirms the payment.
Step 6
Merchant will receive payment confirmation via SMS on their UPI ID linked mobile number and also to an additional number.
Get Started Today!
Join the digital payment revolution with APG Bank's UPI QR code. Apply now and discover a hassle-free payment solution for your business.
For more information or to setup your UPI QR code, visit your APGB home branch or contact us.
Experience the future of payments with APG Bank!
Merchant QR codes
| Classification | MCC | Description |
|---|---|---|
| High Transacting Categories | 5541 | Agricultural Machinery |
| 5411 | Department Stores | |
| 5812 | Drinking Places (Alcoholic Bev) - Bars, Taverns | |
| 9399 | Drug Stores and Pharmacies | |
| 821 | Eating Places and Restaurants | |
| 822 | Farm Equipment | |
| 823 | Government Services, Not Elsewhere Classified | |
| 824 | Grocery Stores, Supermarkets | |
| 825 | Hospitals | |
| 8661 | Miscellaneous Apparel and Accessory Stores | |
| 5921 | Other Agri Inputs | |
| 5311 | Package Stores, Beer, Wine, Liquor | |
| 8062 | Pesticides / Insecticides | |
| 5699 | Religious organizations | |
| 5813 | Seeds | |
| 5912 | Service Stations(with out Ancillary services) | |
| Medium Transacting Categories | 7011 | Bakeries |
| 5814 | Dental/Laboratory/Medical/Ophthalmic Hospital Supp | |
| 5732 | Electrical contractors | |
| 5462 | Fast Food Restaurants | |
| 5499 | Household Appliance Stores | |
| 5661 | Lodging - Hotels, Motels, Resorts | |
| 5722 | Misc Food/Convenience Stores/Speciality Markets | |
| 5047 | Radio, Television and Stereo Stores | |
| 8299 | Schools and Educational Services | |
| 1731 | Shoe Stores | |
| Other Important Categories | 5044 | Architectural, engineering and surveying services |
| 5065 | Beauty and barber shops | |
| 5072 | Bookshops | |
| 5451 | Caterers | |
| 5697 | Colleges, universities, professional schools and junior colleges | |
| 5811 | Dairies | |
| 5942 | Doctors and physicians not elsewhere classified | |
| 5943 | Electrical parts and equipment | |
| 5998 | Elementary and secondary schools | |
| 7221 | Hardware equipment and supplies | |
| 7230 | Medical and dental laboratories | |
| 7692 | Medical services and health practitioners not elsewhere classified | |
| 8011 | Office, photographic, photocopy and microfilm equipment | |
| 8071 | Photographic studios | |
| 8099 | Stationery, office and school supply shops | |
| 8211 | Tailors, seamstresses, mending and alterations | |
| 8220 | Tent and awning shops | |
| 8911 | Welding services |
| MCC | Description |
|---|---|
| 742 | Veterinary services |
| 743 | Wine producers |
| 744 | Champagne producers |
| 763 | Agricultural co-operatives |
| 780 | Landscaping and horticultural services |
| 820 | Fertilizer Dealers |
| 821 | Pesticides / Insecticides |
| 822 | Seeds |
| 823 | Farm Equipment |
| 824 | Agricultural Machinery |
| 825 | Other Agri Inputs |
| 1234 | test |
| 1520 | General contractors residential and commercial |
| 1711 | Heating, plumbing and air-conditioning contractors |
| 1731 | Electrical contractors |
| 1740 | Masonry, stonework, tile setting, plastering and insulation contractors |
| 1750 | Carpentry contractors |
| 1761 | Roofing, siding and sheet metal work contractors |
| 1771 | Concrete work contractors |
| 1799 | Special trade contractors not elsewhere classified |
| 2791 | Typesetting, platemaking and related services |
| 2842 | Speciality cleaning, polishing and sanitation preparations |
| 3020 | AIR-INDIA |
| 4011 | Railroads |
| 4111 | Local and suburban commuter passenger transportation, including ferries |
| 4112 | Passenger railways |
| 4119 | Ambulance services |
| 4121 | Taxi-cabs and limousines |
| 4131 | Bus lines |
| 4214 | Motor freight carriers and trucking local and long distance, moving and storage companies and local delivery |
| 4215 | Courier services air and ground and freight forwarders |
| 4225 | Public warehousing and storage farm products, refrigerated goods and household goods |
| 4411 | Steamships and cruise lines |
| 4457 | Boat rentals and leasing |
| 4468 | Marinas, marine service and supplies |
| 4511 | Airlines and air carriers |
| 4582 | Airports, flying fields and airport terminals |
| 4722 | Travel agencies and tour operators |
| 4784 | Tolls and bridge fees |
| 4789 | Transportation services not elsewhere classified |
| 4812 | Telecommunication equipment and telephone sales |
| 4814 | Telecommunication services, including local and long distance calls, credit card calls, calls through use of magnetic stripe reading telephones and faxes |
| 4816 | Computer network/information services |
| 4829 | Wire transfers and money orders |
| 4899 | Cable and other pay television services |
| 4900 | Utilities electric, gas, water and sanitary |
| 5013 | Motor vehicle supplies and new parts |
| 5021 | Office and commercial furniture |
| 5039 | Construction materials not elsewhere classified |
| 5044 | Office, photographic, photocopy and microfilm equipment |
Mobile Banking 