All Days Except National Holidays(08:00 AM To 08:00 PM)
BHIM Aadhaar is the common mobile app published and
managed by National Payments Corporation of India (NPCI) for any merchant
associated with any acquiring bank on BHIM Aadhaar Pay service to allow the
merchant to accept payment from a customer of any bank by authenticating the
customer’s biometrics (currently only fingerprints) directly from customer’s
bank account and receive the sale proceeds instantaneously into merchant’s own
bank account. To be able to effect the same, merchant must have an Android
mobile with the BHIM Aadhaar app and a certified biometric scanner attached
with the mobile phone on the USB port and both the merchant and customer should
have had linked their Aadhaar numbers to their bank accounts respectively.
Currently BHIM Aadhaar is only available on Android
4.4.2 (JellyBean) or above with a USB port and should work on all devices
complying with OS specified. Please note that “rooted” phones are excluded i.e.
the app will not work on rooted phones.
No. Transactions can only be done on a smart phone OR
in case of bank custom BHIM Aadhaar app, on a device as specified by your
acquiring bank with a certified biometric scanner attached.
Any resident of India holding a valid Aadhaar number
and having an Aadhaar linked bank account may use BHIM Aadhaar for purchasing
goods/services at merchant locations offering such services.
No, these are Card Not Present transactions i.e.
transactions can be performed without having any card. How? Customer would need
to select bank name, provide his/ her Aadhaar number, enter amount and provide
his biometric data for initiating the transaction. If the biometric
authentication is successful and there is sufficient balance then the
transaction would go through successfully. Aadhaar number may be scanned from
the Aadhaar Card, if the customer is carrying the same. This will ease the
entry of 12 digit Aadhaar number and avoid potential mistakes.
Carrying Aadhaar card is not mandatory. But, linking
Aadhaar Number with Bank account is a pre-requisite.
Ideally No, but linking Aadhaar Number with Bank
account is a pre-requisite. However, registration process shall be as per the
procedures laid down by the Issuer bank providing the service. Please check
from the bank where you hold the Aadhaar linked bank account.
If the customer enters incorrect Aadhaar number/
selects an incorrect bank where he/ she does not have an Aadhaar linked bank
account, the transaction will decline with an appropriate response message.
Further, as a customer may link his/ her Aadhaar with multiple banks, customer
should select the correct bank, from where he wishes to make payment. In case,
customer has more than one account with the selected bank then only the primary
account will be debited and customer cannot make a selection of bank account at
the time of transaction.
The status of the transaction will be available on the
merchant’s mobile primarily. The customer will also receive an SMS from his/her
Bank if registered for mobile alerts.
The customer can raise a dispute/compliant with the
bank they hold the account with. Bank will further raise it with the concerned
bank via NPCI’s Dispute Management System.
Currently, while new merchant registration, this is
basis an OTP verification sent out to the mobile number specified. This may
change to app initiated outgoing encrypted SMS, which will happen in a
transparent manner with no interaction with the user.
Cancelling a transaction is called Void transaction,
currently the same is not supported. It will be introduced soon. Till such
time, Merchant may use alternate channels to remit money to the customer
electronically or pay equivalent cash.
Primary account associated with Aadhaar.
Use the “Report Bug” link and write a short note
without deleting additional report attached by the app.
Please get in touch with your acquiring bank helpdesk.