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Delhi Metro starts accepting payments through BharatQR

Delhi Metro has integrated BharatQR in its ticket counters, where customers can recharge their smart cards and tokens by simply scanning a QR code displayed on the counter via smartphones, reports IANS. The QR code-based payment is available on all banking apps that support Bharat QR. Commuters will have to install their mobile banking app and select ‘pay through QR’ option to pay for the fare, the report added. The payment method is hosted by HDFC Bank.

However, Bharat QR for Delhi Metro has some limitations:

    • Only at 5 metro stations: As per the report, only Rajiv Chowk, Rajendra Place, Seelampur, Pitampura and Nehru Place accept QR code base payments, and would be introduced in a phased manner at rest of the stations.
    • Only available for recharge: It is important to note that users cannot pay for their ticket fare directly via the QR Code displayed at ticket counters. They can only pay to top-up smartcards or tokens sold at counters. However, this can be overcome using Delhi Metro Rail Corporation’s (DMRC) mass transit wallet license that it received from the RBI in March; but it seems like DMRC is yet to deploy this.
    • Only banks that has BharatQR integration will support the payment feature, which includes Axis Bank, Bank of Baroda, Bank of India, Citi Union Bank, DCB, Karur Vysya Bank, HDFC Bank, ICICI Bank, IDBI Bank, RBL Bank, State Bank of India, Union Bank of India, Vijaya Bank and Yes Bank.
    • Mobile wallets like Paytm and Zeta are still working on adding Bharat QR. In partnership with Paytm.

This Economic Times report in May pointed out that some banks were not ready to deploy Bharat QR in more cards networks since they are facing delays in obtaining certifications from Visa and Mastercard. Most India based banks have only RuPay as a qualified card network. When I checked my Axis Bank mobile app, I was able to find the “Scan and Pay” option but it supported only Visa cards attached to the bank.

Meanwhile, Axis Bank said it would be launching smart cards for commuters on the Bengaluru Metropolitan Transport Corporation (BMTC) buses and Kochi Metro Rail to make digital payments.

Other Delhi metro tie ups

-ICICI Bank had launched a smart card for the Delhi Metro users in 2014.
-In July 2011, State Bank of India had also partnered with Bangalore Metro to launch NFC-enabled debit cards, that doubles up as travel smart cards.

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