Dynamic QR Code API: Real-Time Payment Collection for Enterprises

What is a Dynamic QR Code?

A Dynamic QR Code is a unique QR code generated for each individual transaction, containing the exact payment amount, merchant details, and a unique transaction reference. Unlike static QR codes, dynamic QR eliminates the need for customers to enter amounts and enables 100% automatic reconciliation.

For enterprises processing thousands of payments daily, dynamic QR is the gold standard for UPI collection. NxtBanking Dynamic QR API generates unique QR codes in under 100ms.

How Dynamic QR Code API Works

API Call: Your application calls the NxtBanking QR API with the payment amount, order ID, and customer details.
QR Generation: The API returns a unique QR code image (PNG/SVG) with encoded UPI payment string.
Customer Scans: Customer scans the QR with any UPI app. Amount is pre-filled — no manual entry needed.
Payment Authorized: Customer enters UPI PIN to authorize the exact amount.
Webhook Callback: NxtBanking sends a real-time callback with payment status, UPI reference, and your order ID.
Auto-Reconciliation: Every payment is automatically matched to the originating order — zero manual effort.

Dynamic QR vs Static QR

Feature	Dynamic QR	Static QR
Amount	Pre-filled (fixed)	Customer enters
Transaction ID	Unique per QR	None
Auto-Reconciliation	Yes	No
Overpayment Risk	Zero	Possible
Best For	E-commerce, billing, enterprise	Small retail, offline
Expiry	Configurable (5 min – 24 hr)	Never expires
API Required	Yes	No

Key Features of NxtBanking Dynamic QR API

Sub-100ms Generation: QR codes generated in under 100 milliseconds for seamless checkout.
Configurable Expiry: Set QR validity from 5 minutes to 24 hours based on use case.
Branded QR: Add your company logo in the center of the QR code for brand recognition.
Multiple Formats: Get QR as PNG image, SVG vector, or base64-encoded string.
UPI 2.0 Compatible: Full compliance with NPCI UPI 2.0 specifications.
Offline Fallback: If UPI scan fails, automatically show a payment link as fallback.

Enterprise Use Cases

E-commerce Checkout: Display dynamic QR at checkout page. Customer scans, pays exact amount, order confirmed instantly.
Invoice Payments: Embed unique dynamic QR in each invoice PDF. When paid, the invoice is automatically marked as settled.
Vending Machines: Display dynamic QR on vending machine screen for cashless product dispensing.
Parking & Toll: Generate per-vehicle QR for exact parking/toll fee collection.
Event Ticketing: Unique QR per ticket for payment and entry verification.
Utility Bill Collection: Dynamic QR with exact bill amount for zero-error collection.

Frequently Asked Questions

What is a dynamic QR code for payments?

A dynamic QR code is a unique, one-time QR generated for each payment transaction. It contains the exact amount, merchant details, and transaction reference — enabling automatic reconciliation.

How is dynamic QR different from static QR?

Static QR is fixed and reusable (customer enters amount). Dynamic QR is unique per transaction with pre-filled amount and automatic order matching.

Can dynamic QR work with all UPI apps?

Yes. Dynamic QR codes generated by NxtBanking are compatible with all UPI apps including Google Pay, PhonePe, Paytm, BHIM, and 200+ bank apps.

What happens if a dynamic QR expires?

If the QR expires before payment, the transaction is marked as failed and a new QR can be generated. No money is deducted from the customer.

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