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Comment by bigfishrunning

3 hours ago

So people scan a QR code, and then enter a secure banking pin? this sounds like a security problem waiting to happen...

3 comments

bigfishrunning

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wiradikusuma  3 hours ago

The QR code doesn't open a link. It's just "gibberish" text only usable by app that can understand it (e.g. banking apps).

(I don't know anything about UPI, but in Indonesia we use a similar system)

  • porridgeraisin  2 hours ago

    Its not gibberish text.

    Its just a URI.

      upi://pay?pa=payeeID&pn=payeeName

    You can add things like &am= to prefill the amount. Merchant txns have reference IDs and all that stuff.

  • Imustaskforhelp  3 hours ago

    I am Indian and I think what you are saying is correct. It opens up the banking app or in our case UPI providers app so like Google pay, Phonepe,paytm, Bhim UPI and other such apps.