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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.