Bharat QR is an inter-operable digital payment solution that aims at enabling easy, quick and secure payments at merchant locations or physical stores. Merchant can download Bharat QR Merchant App (CSB Collect), follow the registration process and install “CSB Collect” App (merchant app) on their smartphones. Customers of any bank can use their Bharat QR enabled Mobile Banking App or UPI App to pay the merchant by scanning "Bharat QR” displayed by merchant.