SCAN TO PAY

Using this option, user can scan the QR code and make payment to the Merchant without having to enter merchant account details.

Merchant will have the QR code provided by the bank which can be scanned by the customers of the same bank to make payments.

On scanning the QR code, system will display the name of the Merchant and user will select the CASACurrent Account or Savings Accounts are operative accounts through which account holders perform day to day operations such as deposits and withdrawal of money. account from which payment needs to be made, enter amount and remarks to complete the transaction.

Note:
Ÿ This option is available to the user on the pre-login page as well as post login within the payments option.
Ÿ Only internal payments can be made using QR code i.e. QR codes generated by the bank to which the customer belongs can be scanned and not the ones generated externally

Transaction Host Integration Matrix

Pre-Requisites

• Merchant to whom the payment needs to be made has the QR code generated by the bank.
• User must have a valid account with bank with online banking enabled.

To make payment QR based (Pre-Login)

1. Launch the Zigbank application page. The Zigbank homepage pre-login screen appears.

2. Click Scan To Pay option on the pre-login page.
3. User will be asked to login with credentials or through alternate login i.e. Pin / Pattern / Touch ID depending on whether the user has setup alternate login.
4. In the Username field, enter the user ID.
5. In the Password field, enter the password.

Note: The user has to provide the necessary permission to the application for accessing the mobile device camera to perform the QR code payment.

6. On successful authentication, the mobile device camera is launched with defined scan area to scan the QR code.
7. There will be an additional option to adjust flash on this screen so that if there is an issue with light, the user can enable flash and then scan the QR code.
8. User will scan the QR code in the defined area and on successful scan, user will be navigated to a screen to complete the payment transaction.

9. Scan the QR code within the defined dimensions.

10. System displays the merchant details on successful scanning of QR code to confirm that the payment being made is to the intended merchant. The Scan To Pay screen appears.

11. From the Transfer From list, select account from which the payment needs to be made to the merchant.
12. In the Currency list, system will default to the local currency.
13. In the Amount field, enter the amount that needs to be transferred to the merchant.
14. User can view the limits as part of the transaction to check the available and utilized limits.

15. In the Notes field, enter transaction remarks/comments for reference.
16. Click Confirm to initiate payment.
    The Verify and Confirm screen appears.
    OR
    Click Cancel to cancel the transaction.

17. Click Confirm to confirm the payment.
18. The success message of payment along with the transaction reference number appears.
    Click Go to Dashboard to navigate to the dashboard.
    OR
    Click More Payment Options to go to other payment options.

To make payment QR based (Post Login)

1. Launch the Zigbank application Page. The Zigbank homepage pre-login screen appears.

2. User will be asked to login with credentials or through alternate login i.e. Pin / Pattern / Touch ID depending on whether the user has setup alternate login.
3. In the Username field, enter the user ID.
4. In the Password field, enter the password.
5. Click Login .The dashboard screen appears with details.

6. Click Payments .Screen appears with one of the payment option as ‘Scan to Pay’.

7. Click Scan to Pay .
8. The mobile device camera is launched with defined scan area to scan the QR code.
9. There will be an additional option to adjust flash on this screen so that if there is an issue with light, the user can enable flash and then scan the QR code.
10. User will scan the QR code in the defined area and on successful scan, user will be navigated to a screen to complete the payment transaction.

10. Scan the QR code within the defined dimensions.

11. System displays the merchant details on successful scanning of QR code to confirm that the payment being made is to the intended merchant. The Scan To Pay screen appears.

12. From the Transfer From list, select appropriate account from which the payment needs to be made to the merchant.
13. In the Currency list, system will default to the local currency.
14. In the Amount field, enter the amount that needs to be transferred to the merchant.
15. User can view the limits as part of the transaction to check the available and utilized limits.

16. In the Notes field, enter transaction remarks/comments for reference.
17. Click Confirm to initiate payment.
    
    The Verify and Confirm screen appears.
    
    OR
    
    Click Cancel to cancel the transaction.

18. Click Confirm to confirm the payment.
19. The success message of payment along with the transaction reference number appears.
    
    Click Go to Dashboard to navigate to the dashboard.
    
    OR
    
    Click More Payment Options to go to other payment options.

FAQs

Can I initiate a payment to a merchant who is not on boarded on Zigbank as a Merchant

No. Payment by scanning the QR code can be made only to merchants on boarded with Zigbank and the QR code has been generated by Zigbank..

Am unable to see the merchant details on QR code scan, what could be the possible issues?

This can be due to scenarios like the QR code being scanned is not generated by Zigbank or it was not scanned within the defined scan area etc.

What will happen to funds if the transaction fails and the merchant does not receive a confirmation for payment?

In case transaction fails, the transaction amount will be credited back to user's Zigbank account.

Is QR a secure mode of payments?

Yes. All payments made through the Zigbank application are authenticated first through user's secure login, making it an extremely secure mode of payments.