Bharat interface for money (BHIM) ENABLING UPI ON USSD

Transcription

1 Bharat interface for money (BHIM) ENABLING UPI ON USSD The BHIM app is in Mobile! No need of a smart phone it operates on any phone. No need of internet it operates on SMS. Your mobile number becomes your payment address (PA) Combines the convenience of doing all banking transactions even using the ordinary phone, irrespective of the where your account is held. What do you need for BHIM to work? Have a bank account One mobile phone of any type with SIM card Linking of mobile number with the bank account (to be done at the branch level) one mobile number links with only one account. Page 1 of 7

2 Allahabad Andhra Axis of Baroda of Maharashtra n n Overseas IndusInd Karnataka Karur Vysya Canara Catholic Syrian Central of DCB Dena Kotak Mahindra Oriental of Commerce Punjab National RBL South n Federal HDFC ICICI IDBI IDFC 1. Standard Chartered 2. State of 3. Syndicate 4. Union of 5. United of 6. Vijaya If you are having a smart phone, this is how it works Download the BHIM app from the Google Play store 1. Once the app is opened, you have to set PIN of your choice 2. Select the (currently only 31 banks are linked) 3. You can send, receive and scan/pay using this app in 3 easy steps Page 2 of 7

3 Step 1: Step 2: Set UPI Pin Step 3: Setting up UPI PIN: Write last 6 digits of Debit Card Note the validity date Set a 6 digit pin Page 3 of 7

4 Sending Money You open the App on your smartphone. Click on Send money. Enter Mobile or VPA or Aadhaar Number (of the person to be paid) App automatically for the user if he enters mobile number. The user clicks on verify for payment address. You can also select send using IFSC or MMID from menu Upon verification you enter the amount to send. Enter remarks if needed. Enter UPI Pin, Confirmation Message Shown. Page 4 of 7

5 Requesting Money The shop-keeper opens his App on his smartphone. Clicks on Receive money. Enters your Mobile Number or Aadhaar number (for Aadhaar linked accounts handle) to collect money. Enter the amount. A collect request is sent to the recipient on their respective app. Page 5 of 7

6 Scan & Pay You open the App on your smartphone. Click on Scan & Pay. Scan QR Code with the shop-keeper. Upon verification enter the amount to send. Enter remarks if needed. Enter UPI Pin. Confirmation Message Shown. If you are NOT having a smart phone, but only a feature phone, this is how it works No smart phone? No problem! The same functions can be done using the SMS system from your feature phone: This is how it works: Step 1: Registration Dial *99# Select a language, the system shows all bank accounts linked to the mobile number. Page 6 of 7

7 Select account and confirm. The ID is automatically created. Step 2: Set UPI PIN No UPI PIN is required for receiving money. Enter {last 6 numbers of the debit cards} {expiry date MMYY} separated by single space. Enter the 4 digit UPI PIN and then re-enter. Financial Transactions Dial *99#. It shows the following options 1. Send Money 2. Request Money 3. Check Balance 4. My Profile 5. Pending Requests 6. Transactions 7. UPI PIN Money can be sent using mobile number, Aadhaar number, IFSC & Account number, MMID & Mobile Number, VPA (Virtual Payment Address, e.g., mobile@upi) and following subsequent easy to understand instruction. Requesting Money Dial *99# and choose option request money. Enter mobile number from whom to receive money and follow easy instructions till a confirmation is received. Other functions By selecting other options of the first menu that is shown on dialing *99#, the user can easily check the balance, respond to pending requests, change the bank account (through my profile), see all the transactions, reset the UPI PIN, etc. ***** Page 7 of 7