Lack of payment terminal for India to realize cashless society with QR code-QR code, India-IT information

After the launch in November last year spent money, the Indian Government has encouraged citizens to use mobile money or other forms of electronic payments, today they further introduced Bharat QR codes, consumers don't have to swipe to the payment.

Orders have been issued to waste money, Indian businesses and consumers face the main problem is the lack of non-cash payment system. It is reported that India's payment terminal penetration rate is very low, for businesses, buying terminals and transfer fees are a heavy burden. Indian Government data showed the country a total of 57.7 million businesses, but only 1.5 million of them can accept digital payments.

However, Bharat QR code, even if the merchant without the terminal can accept digital payments, and the Indian Government also cleared the QR and its banks (14) links between each other. In addition, Bharat QR code also supports all major payment terminal.

Emergence of Bharat QR let borrowing rise of mobile money companies spent money on pins and needles, Sturm und drang pace may slow them down. Although the mobile wallet companies able to provide two-dimensional code payment application, but they support banks is very limited, Bharat QR code support with Government background in most banks, but does not support the Mobile Wallet application company.

Industry believes that Bharat QR is the India's largest mobile money firm Paytm counterattack, which just announced that it will invest $89.6 million to help Chinese businesses to the QR payment.

Of course, Bharat QR whether India's dominance is still in doubt, after all, spent money after the Government of India has introduced a variety of mobile payment application, but they have not achieved widespread success. Since India Smartphone penetration rate is not high, so the Indian Government also plans to launch the terminals with fingerprint scanning in the future, even without smartphones can complete your payment.

缺乏支付终端，印度要用二维码实现无现金社会 - 二维码,印度 - IT资讯

去年11月推出废钞令之后，印度政府就在鼓励国民使用移动钱包或其他电子支付方式，今天它们更进一步，推出了Bharat二维码，消费者不用刷卡就能付款了。

废钞令颁布后，印度的商户和消费者遇到的最主要问题就是缺乏非现金支付系统。据悉，印度的支付终端机渗透率非常低，对商户来说，购买终端机和转账手续费也是个沉重的负担。印度政府的数据显示，该国共有5770万个商户，但他们中只有150万可接受数字支付。

不过，有了Bharat二维码，即使商户没有终端机也可接受数字支付了，而且印度政府还打通了二维码与本国银行（14家）彼此之间的联系。此外，Bharat二维码还支持所有主要的支付终端。

Bharat二维码的出现让借废钞令崛起的移动钱包公司如坐针毡，它们狂飙突进的脚步可能会慢下来。虽然这些移动钱包公司的应用都能提供二维码支付，但它们支持的银行非常有限，而有政府背景的Bharat二维码则支持大多数银行，但却不支持这些移动钱包公司的应用。

业内人士认为，Bharat二维码是对印度最大移动钱包公司Paytm的反击，后者刚刚宣布将投资8960万美元帮助中国商户转向二维码支付。

当然，Bharat二维码能否在印度一统天下依旧存疑，毕竟废钞令之后印度政府已经推出了多款移动支付应用，但它们均未取得大范围的成功。由于印度智能手机渗透率也不高，因此印度政府还计划未来推出拥有指纹扫描的终端机，即使没有智能手机也能完成支付。