Digital Payments
STEP BY STEP INSTRUCTIONS FOR VARIOUS MODES OF PAYMENT:
Cards, USSD, AEPS, UPI, Wallets
Bank Cards
Getting a Bank Card
1 HOW TO ISSUE A CARD
FROM YOUR ACCOUNT
2 ACTIVATE YOUR CARD
At your Banks ATM by even
Approach nearest bank branch balance checking
Multiple cards from one At your bank branch by any
account transaction
PIN issued by bank
separately
Types of Cards & Usage
PREPAID CARDS DEBIT CARDS
Pre-loaded from your bank Linked to your bank
account account
Safe to use, limited amount of
Used to pay at shops, ATMs,
transaction
wallets, microATMs, online
shopping
Can be recharged like mobile
recharge
Point of Sale (POS) & Card steps
BANKS ISSUE VARIOUS USE YOUR CARD TO SHOP PREPAID CARD CAN BE
CARDS FOR THEIR ANYWHERE ISSUED BY ANY BANK
ACCOUNT HOLDERS FROM ACCOUNT OR CASH
(FOLLOWING BENEFITS)
Prepaid Cards At any PoS Pre-loaded card
Debit cards At ATM Equivalent to cash
Credit Cards Online shopping Can be recharged several times
Can be used at any PoS, ATM
Unstructured Supplementary Service
Data (USSD) based Mobile
Banking *99# - National Unified USSD Platform (NUUP)
Required for Activation
1 ACCOUNT IN A BANK 2 ANY MOBILE PHONE ON
GSM NETWORK
Can be used for payments upto Rs 5000 per day per
customer
Registration
1 Visit your branch to link
mobile number and
bank account
Can be done at ATM or online
also
2 You will get your Mobile
Money Identifier
New changes being brought to simplify
user experience; no need for separate
MMID
(MMID) and Mobile
PIN (MPIN) upon
registration
3 Remember your MMID and
MPIN
Transfer Funds to another Bank Account
Dial *99#
from
your
phone
Aadhar enabled payment system
(AEPS)
Aadhaar Enabled Payment System (AEPS)
AEPS allows bank-to-bank
transaction at PoS (MicroATM)
with the help of BC Aadhar enabled Services
Balance Enquiry
Cash Withdrawal
Cash Deposit
Aadhaar to Aadhaar Funds
Transfer
Only Aadhar needed
Key Steps for AEPS Transaction
GO TO A
PROVIDE CHOOSE
MICROATM
YOUR BANK WHICH
OR BANKING
NAME AND TRANSACTION
CORRESPOND
AADHAAR TO DO
ENT
ON
SUCCESSFUL PROVIDE
PROCESS
TRANSACTION FINGER PRINT
COMPLETED
, TAKE THE ON SCANNER
PRINT
SLIP
Aadhaar Enabled Payment System Steps
Seed your account with your
Aadhar number at bank or
with the help of banking You can do
correspondent Account balance
Aadhar to Aadhar fund
transfer
Cash withdrawal
Cash deposit
Now you can do many Purchase at Fair Price Shops
transactions at any AEPS point with AEPS
without any pin or password
(AEPS points Micro ATMs)
MicroATM Transaction
UPI
Requirements for registration on UPI
REQUIREMENTS AVAILABLE APPS (28 BANK APPS)
Smartphone with internet SBI app, PNB UPI, UPI Collect
facility (ICICI), Axis Pay, Canara Bank
UPI, UCO UPI, Union Bank UPI,
OBC UPI and 20 other banks
Bank Account details (only for
registration)
UPI Registration Process
CHOOSE
YOUR UNIQUE
DOWNLOAD ID (AADHAR,
ANY MOBILE NO.) SELECT YOUR
BANKS AS VIRTUAL BANK
APP OR 3RD PAYMENT
PARTY APP ADDRESS
(VPA)
SET M-PIN
GIVE
REGISTRATIO FOR
ACCOUNT
N VALIDATING
DETAILS FOR
COMPLETED TRANSACTION
FIRST TIME
S
Registering on UPI
Screenshot taken from http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/
Sending Money on UPI
ENTER
CHOOSE PAYEES
ENTER
SEND VIRTUAL
AMOUNT
MONEY PAYMENT
ADDRESS
WRITE
CONFIRM THE REMARKS
HIT SEND
DETAILS FOR
TRANSACTION
Sending Money
Screenshot taken from
Collecting Money (raise a demand) on UPI
ENTER
CHOOSE PAYERS
ENTER
COLLECT VIRTUAL
AMOUNT
MONEY PAYMENT
ADDRESS
WRITE
ENTER WHEN
HIT REMARKS
DO YOU
CONFIRM FOR
WANT TO
TRANSACTION
COLLECT
Collecting Money
Screenshot taken from
Wallets
What are e-wallets?
Electronic pre-paid payment system, mobile-first
Used in purchasing items on-line with a computer or
a smartphone at a store.
An individual's account is required to be linked to the digital
wallet to load money in it.
Most banks have their e-wallets and some private companies
Using Wallets
Consumer Wallet Limits: Rs.20,000/month for all. Rs.1 lakh/month with KYC
CONSUME
START
R LOAD MONEY
USING
DOWNLOA SIGN UP USING DEBIT
WALLET
DS THE USING
TO MAKE
APP ON MOBILE CARD/CREDIT
PAYMENT
SMARTPHO CARD OF
S
NE NETBANKING
Merchant Wallet Limits: Rs.50,000/month with Self Declaration. Rs.1 lakh/month with KYC
SHOPKEEP
SELF
ER
SIGN UP DECLARE START
/
USING ITSELF AS ACCEPTING
SERVI
MOBILE A PAYMENT
CE
MERCHANT
PROVI
DER
DOWN
LOAD
S THE
Basic Requirements to Start Using a Wallet: Bank Account, Smartphone, 2G/3G Connection & A Free Wallet App
APP
Point of Sale
(PoS)
Types of PoS
PHYSICAL POS MPOS V-POS
Physical Card Swiping PTSN Phone connected with external Virtual E-payment Gateway
with landline / GPRS enabled POS device through jack /
Bluetooth
Physical PoS
1 SWIPE A
DEBIT/CREDIT
2 ENTER AMOUNT
TO BE PAID
3 GENERATE
RECEIPT
CARD ON THE POS AND PIN
MACHINE
Installation of Physical PoS Terminal
1 Open / identify current
account for transactions
4 Submit following documents:
Proof of business (any one)
Shop & establishment registration certificate
VAT certificate
Sales tax
Proof of address
2 Fill in the application form
(online / at the branch)
Photo identity proof of proprietor / partner
Financial details
Bank statement
Income tax return
3 Identify type of PoS 5 Acceptance of MDR by merchant
required (landline / GPRS)
6 Execution of Merchant
Establishment Agreement
Mobile PoS
Note: mSwipe is used as an example of MPOS here
V-
PoS
No PoS machine required
QR code used for payment to bank
account of merchant
Complete privacy of merchant bank account
Must Do Practices
Register your mobile number at bank for regular information by
SMS for every transaction
Never share your PIN to anyone
Transact at only trusted merchants
While at ATM, ensure no one is looking over your shoulders
