About
Bhutan QR is the national interoperable QR code for payments, introduced in 2020 by the Royal Monetary Authority of Bhutan (RMA), the central bank, together with the country's financial institutions. Built on the EMVCo standard, one merchant code can be scanned from the mobile banking app of any participating bank, such as Bank of Bhutan's mBoB, and funds move straight from the payer's account, with no card or POS terminal. On 17 September 2026 the RMA and NPCI International launched a second phase of cross-border QR interoperability that links it with India's UPI, letting Bhutanese pay at UPI merchants in India from their own bank apps, up to INR 10,000 per transaction.
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