How can I pay using a QR code?

To pay using a QR code, you typically use a mobile banking or payment app. Open the app and select the 'Scan & Pay' or equivalent option. Scan the merchant's QR code displayed at the point of sale. The app will usually display the merchant's name for verification. Enter the amount you wish to pay, and confirm the transaction using a linked bank account. For example, with the Paytm application, you can easily scan any UPI QR code to make a direct bank-to-bank payment.