Training PresentationAndroid App & *99#

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User Profiles for BHIM

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Consumers

● Send Money to Friends & Family at ZERO cost● Scan & Pay to QR code at Merchant Shops/Neighbourhood● Shop or Pay online by clicking on “Pay by UPI”● Check Balance & See Transaction history

Merchants● Easily collect payments from customers into bank account directly ● Zero cost to accept payments via BHIM ● Download QR code & Print to collect payments

User Requirements for start using #BHIM

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Register Mobile Numbersagainst their bank accounts

Active Debit Cardto set UPI PIN.

Can be VISA, Maestro or RuPay

Bank Accountin any of the 35+ UPI Enabled

Banks

List of Banks Live on BHIM

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- Allahabad Bank - Andhra Bank- Axis Bank - Bank of Baroda- Bank of India - Bank of Maharashtra- Canara Bank- Catholic Syrian Bank - Central Bank of India- DCB Bank - Dena Bank- Federal Bank - HDFC Bank- ICICI Bank - IDBI Bank - IDFC Bank - Indian Bank - Indian Overseas Bank

- IndusInd Bank- Karnataka Bank - Karur Vysya Bank - Kotak Mahindra Bank - Oriental Bank of Commerce - Punjab National Bank - RBL Bank - South Indian Bank - Standard Chartered Bank- State Bank of India - Syndicate Bank - TJSB- UCO Bank- Union Bank of India - United Bank of India- Vijaya Bank- Yes Bank Ltd

BHIM APP - How to get Started?

BHIM - Android App - One app for all banks

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1. Send & Collect Money in just 3 easy steps

2. Transfer to Mobile number, or Payment Address or Account + IFSC

3. Multiple Languages4. Scan or Download QR code for your

bank account

User Onboarding

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Language selectionNPCI verifies mobile number by sending

an SMS

Bank account is auto-selected and user is sent to homepage if UPI

Pin is SET

User selects Bank if mobile is verified

Set UPI PIN flow

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Set UPI PIN in the NPCI page

UPI PIN Set Alert Provide debit card details to set UPI PIN

Redirect user to the A/C details page

User Profile Page on BHIM

● UPI QR Code to accept payments to your bank a/c ● Share & Download QR Code ● Add Payment Address

Send Money Flow

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Enter Payment Address, Verify & Enter amount to

pay

Enter MPIN Paid Successfully in SecondsClicks on Send Money

Send Money - IFSC & MMID

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User can use menu to change

Enter MPIN Paid Successfully in SecondsUser clicks on Send

Money & Selects 3 dot menu

Scan and Pay

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User Scans the QR code to pay at store

Enters Amount & Remarks Enter UPI PIN Payment Success

Request Money Flow

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Enter amount to Request

Request sent Successfully

Transaction history & Respond to Collect

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Transaction History, Pending Requests

Open an old transaction. Can report issue

Open a Pending request and Pay/Decline

*99# - How to get Started?

Step 1: Create a BHIM Account by dialing *99#

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Select Language

1.English2. हदं 3. தமி*More

Congrats. You can now receive money to your mobile number. To send money, please note OTP sent to your phone and keep your debit card ready. Dial *99*X*7*1# to set UPI PIN.

Select account

1. ***787 RAMESH S2. ***456 RAMESH S

Please enter first four digits of Bank Name or Bank Short Code or IFSC

1 2 3

Step 2: Set UPI PIN & Check Balance

Enter [Last 6 digits of debit card] [Expiry Date MMYY] separated by single space

Ex: 23344 0923

Enter your new {no of digit} digit UPI PIN

837384 0934

1. User enters Debit Card Details

2. User enters the new UPI Pin

Your UPI PIN is set. To check balance for your Account XXX, enter your UPI PIN

4. UPI Pin is set successfully

Please re-enter your {no of digit} digit UPI

PIN to confirm

3. User enters the new UPI Pin

5. Check Balance Success

Your Account Balance is XXXXPress 1 for Main

Menu

If UPI PIN is already set, user is taken to Step 4

Step 3: Main Menu - *99#

Select Option:1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

Registered user is always taken to the main menu on dialing *99# after successful one time registration

Send Money to Mobile Number - *99*1*1#

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1. User Selects 1 to pay to New contact.

2. Chooses to pay to a mobile number

4.Enters the amount to be paid. Name of the mobile number holder is verified and displayed

5.Enters UPI PIN

Select Option:1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

Send money to :1. Mobile Number2. Payment Address3. Saved Beneficiary4. IFSC, Account No5. MMID, Mobile No.

Paying Ramesh, 91000 12345

Enter Amount in Rs.

Paying Ramesh Rs 142Enter your UPI PINfor SBI ***782

Registered user is taken to the main menu on dialing *99# after successful one time registration

Your payment to Ramesh for Rs 142 is successful.(Txn Ref No: 123456)Select option to 1. Save contact2. Exit

6.Payment SuccessfulDisplays “Your contact has been saved successfully” on 1

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3. Enters the mobile number to pay

Enter Mobile Number of the beneficiary

2 9910012345

Send Money to Payment Address - *99*1*2#

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1. User Selects 1 to pay to New contact.

2. Chooses to pay to a mobile number

4.Enters the amount to be paid. Name of the mobile number holder is verified and displayed

5.Enters UPI PIN

Select Option:1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

Send money to :1. Mobile Number2. Payment Address3. Saved Beneficiary4. IFSC, Account No5. MMID, Mobile No.

Paying Ramesh, ramesh@upi

Enter Amount in Rs.

Paying Ramesh Rs 142Enter your UPI PINfor SBI ***782

Your payment to Ramesh for Rs 142 is successful.(Txn Ref No: 123456)Select option to 1. Save contact2. Exit

6.Payment SuccessfulDisplays “Your contact has been saved successfully” on 1

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3. Enters the mobile number to pay

Enter Payment Address of the beneficiary

2 ramesh@upi

Send Money to Saved Beneficiary - *99*1*3#

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1. User Selects 1 to pay to New contact. 2. Chooses to pay to a

saved beneficiary

4.Enters the amount to be paid. Name of the mobile number holder is verified and displayed

5.Enters UPI PIN

Select Option1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

Send money to :1. Mobile Number2. Aadhaar Number3. Payment Address4. Saved Beneficiary5. IFSC, Account No6. MMID, Mobile No.

Paying Ramesh, 91000 12345

Enter Amount in Rs.

Paying Ramesh Rs 142Enter your UPI PINfor SBI ***782

Your payment to Ramesh for Rs 142 is successful.(Txn Ref No: 123456)Select option to

6.Payment Successful.

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3. Selects the beneficiary to pay

Send Money to:1. Ramesh {mobile no}2. Suresh {Aadhaar Number}3. Nikhil {payment address}4.Sahebjot {bank name} {masked Account no}

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Send money to :1. Mobile Number2. Payment Address3. Saved Beneficiary4. IFSC, Account No5. MMID, Mobile No.

Send Money to IFSC, Account Number - *99*1*4#

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1. Chooses 1. IFSC, Account Number

2.Enters IFSC code 6.Payment Request Initiated

Enter [IFSC code] of your beneficiary

Your payment to Ramesh for Rs 142 is successful.(Txn Ref No: 123456)Select option to 1. Save contact2. Exit 4 HDFC0000077

5.Enters UPI PIN

Paying Ramesh Rs 142Enter your UPI PINfor SBI ***782

4.Enters the amount to be paid. Name of the mobile number holder is verified and displayed

Paying Ramesh, xxxx9309

Enter Amount in Rs.

3.Enters Account Number

Enter [Account Number] of your beneficiary

9230239029309

Send money to :1. Mobile Number2. Payment Address3. Saved Beneficiary4. IFSC, Account No5. MMID, Mobile No.

Send Money to MMID, Mobile Number - *99*1*5#

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1. Enters Option 2 2.User chooses 2.MMID, Mobile number

3.Enters details 6.Payment Request Initiated

Select Option1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

Send money to :1. Mobile Number2. Payment Address3. Saved Beneficiary4. IFSC, Account No5. MMID, Mobile No.

Enter [MMID] [Mobile Number] separated by a single space

Your payment to Ramesh for Rs 142 is successful.(Txn Ref No: 123456)Select option to 1. Save contact2. Exit 2 6 987654 96209 12345

5.Enters UPI PIN

Paying Ramesh Rs 142Enter your UPI PINfor SBI ***782

4.Enters the amount to be paid. Name of the mobile number holder is verified and displayed

Paying Ramesh with mobile number, 96209 12345Enter Amount in Rs.

Request Money Flow - *99*2#

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1. User selects 2 to Collectmoney

2. User can send collect money request to a mobile number or payment address

3. NPCI shows the Name resolving from the VPA. User Enters the amount to be collected.

4. Collect Request sent successfully via SMS to user

Enter Mobile Number or Payment Address

Collecting from Suresh Prabhu with Mobile 9989898989. Enter Amount in Rs.

Your request to collect Rs. 142 sent successfully to Suresh Prabhu

1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

9989898989

Check Balance - *99*3#

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1. User Selects option to Check Balance

2. User enters his/her UPI PIN 3. User views account balance

1. Pay2. Collect3. Contacts4. Passbook5. My Profile

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1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions

Respond to Pending Requests - *99*5#

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3. Payment Request done

Your payment to Hari Om for Rs. 142 is initiated.

Dear Customer, Hari Om is requesting Rs 142 on UPI. To Pay please call *99#

1. User gets an SMS for every collect request & dials *99# to respond to it

Enter UPI PIN to Pay [Account Name], Rs [Amount] or Enter 2 to reject Enter 9 to go main menu

2. User chooses to Pay or Deny

Transactions History - *99*6#

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1. User Selects option see transactions

Select Option for details:1 Received Rs.1532 from Ramesh @ybl on 1-Dec2 Sent Rs.123 to 9620902139@upi on 29-Nov3. Requested Rs.50 from Namo@upi on 26-Nov

2. User gets to see the last 5 transactions made in NUUP

1. Send Money2. Request Money3. Check Balance4. My Profile5. Pending Requests6. Transactions7. UPI PIN

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Requested Rs.1532 from Ramesh @ybl on 1-DecRemarks: TestStatus: FAILURE

Select Option: 1 Raise query 2 Exit

3. User gets to see the details of txn and raise query

1 1Reply

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