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    Faqs Bhim Aadhaar Sbi

    Uploaded by

    bhavik
    The document provides FAQs about BHIM-Aadhaar-SBI, a digital payment acceptance solution from SBI that allows merchants to accept payments using their Android smartphone and fingerprint reader from customers with Aadhaar-seeded bank accounts. It discusses that the transaction process involves the merchant logging in via PIN and the customer entering their Aadhaar number and biometrics for authentication. The document also summarizes the registration process for individual merchants, requirements to use BHIM-Aadhaar-SBI, that there are currently no charges for merchants, and that funds are credited to merchant accounts in real time after successful transactions.

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    Faqs Bhim Aadhaar Sbi

    Uploaded by

    bhavik
    156 views2 pages
    The document provides FAQs about BHIM-Aadhaar-SBI, a digital payment acceptance solution from SBI that allows merchants to accept payments using their Android smartphone and fingerprint reader from customers with Aadhaar-seeded bank accounts. It discusses that the transaction process involves the merchant logging in via PIN and the customer entering their Aadhaar number and biometrics for authentication. The document also summarizes the registration process for individual merchants, requirements to use BHIM-Aadhaar-SBI, that there are currently no charges for merchants, and that funds are credited to merchant accounts in real time after successful transactions.

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    The document provides FAQs about BHIM-Aadhaar-SBI, a digital payment acceptance solution from SBI that allows merchants to accept payments using their Android smartphone and fingerprint reader from customers with Aadhaar-seeded bank accounts. It discusses that the transaction process involves the merchant logging in via PIN and the customer entering their Aadhaar number and biometrics for authentication. The document also summarizes the registration process for individual merchants, requirements to use BHIM-Aadhaar-SBI, that there are currently no charges for merchants, and that funds are credited to merchant accounts in real time after successful transactions.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    156 views2 pages

    Faqs Bhim Aadhaar Sbi

    Uploaded by

    bhavik
    The document provides FAQs about BHIM-Aadhaar-SBI, a digital payment acceptance solution from SBI that allows merchants to accept payments using their Android smartphone and fingerprint reader from customers with Aadhaar-seeded bank accounts. It discusses that the transaction process involves the merchant logging in via PIN and the customer entering their Aadhaar number and biometrics for authentication. The document also summarizes the registration process for individual merchants, requirements to use BHIM-Aadhaar-SBI, that there are currently no charges for merchants, and that funds are credited to merchant accounts in real time after successful transactions.

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    FAQs for BHIM-Aadhaar-SBI

    1. What is BHIM-Aadhaar-SBI
    BHIM-Aadhaar-SBI is a digital payment acceptance solution from State Bank of India
    which enables the SBI merchant to accept payments for goods/services using his
    android smartphone and fingerprint reader from customers having Aadhaar seeded
    bank accounts. The transaction will be interoperable in nature allowing any bank
    customer to transact on BHIM-Aadhaar-SBI.

    Transaction process
    i. Merchant uses his PIN to login to the merchant App on his Android smartphone.
    ii. The customer does not need anything except his Aadhaar number. For making
    payment, customer selects bank from the drop-down menu where customer is
    having his/her Aadhaar seeded account, enters his Aadhaar Number, enters mobile
    number (optional) checks the bill amount and provides his/her biometric
    credentials.
    iii. The payment data and biometrics are sent to the FI gateway /NPCI/UIDAI server for
    authentication.
    iv. The debits/credits in the accounts of the customer and the merchant are put
    through the core banking system.
    Both the merchant and customer get the transaction SMS (if mobile number
    available) after successful transaction and the funds are received by the merchant
    real-time

    2. How does a merchant get registered for BHIM-Aadhaar-SBI?


    The registration process for BHIM-Aadhaar-SBI is different for individual merchants and
    corporate Merchants:

    INDIVIDUALS (RETAIL MERCHANTS WITH AADHAAR NUMBER): The registration


    process is fully automated and app based for the individual merchants. The merchant
    needs to download BHIM-Aadhaar-SBI / SBI Aadhaar Pay from the Google Play store and
    register himself using his Aadhaar number and biometric credentials. During the
    registration process the merchant is asked to select his account maintained with SBI
    where he wants the payments to be credited. In addition, the merchant is also asked to
    agree to the terms and conditions for using the app which are displayed on the mobile
    itself.

    3. What are the requirements for the merchant to start using BHIM-
    Aadhaar-SBI?
    The merchant needs to have the following to start using BHIM-Aadhaar-SBI:
    Aadhaar seeded account with SBI.
    Certified Biometric Reader with Micro USB / USB C-Type connector.
    Android smartphone with Android version 4.2 or higher with internet connectivity
    and OTG support for connecting biometric device.
    Phone should be able to power the biometric reader; please check with supplier.

    4. What are the charges for the merchants for using BHIM-Aadhaar-SBI?
    Presently there are no charges for using BHIM-Aadhaar-SBI for the merchants. In case
    any future charges will be applicable, the same will be advised to the merchants through
    the app for their concurrence.

    5. Does the customer / purchaser also need to have BHIM-Aadhaar-SBI on


    his mobile phone?
    No the customer does not need to have BHIM-Aadhaar-SBI on his mobile phone. The
    only requirements for the customer is to have an Aadhaar seeded account and his
    Aadhaar number.

    6. Customers of which Banks can make payments at merchant.


    Since the platform is based on NPCIs AEPS platform, the solution in interoperable
    provided the partner banks enable the facility to their customers. Customers to check
    with their Banks for availing the facility.

    7. When will the merchant funds be credited to the merchant account for
    BHIM-Aadhaar-SBI transactions?
    The merchant funds will be credited real time to the merchant account linked at the
    time of registration after successful completion of the transaction.

    8. What does the merchant do in case the funds are not received for a
    successful transaction?
    The merchant needs to contact SBI helpdesk 1800112211 to lodge a complaint for non-
    receipt of funds.

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