Frequently Asked Questions

  • What is IMPS?

    IMPS is an innovative real time payment service that is available round the clock. This service is offered by National Payments Corporation of India (NPCI) that empowers customers to transfer money instantly through banks and RBI authorized Prepaid Payment Instrument Issuers (PPI) across India.

  • What are the benefits of IMPS?

    1.Instant 2.Available 24 x7 (functional even on holidays) 3.Safe and secure, easily accessible and cost effective 4.Channel Independent can be initiated from Mobile/ Internet / ATM channels 5.Debit & Credit Confirmation by SMS

  • What are the services available under IMPS?

    Funds Transfer and Remittances 1. Sending Money 2. Receiving Money Query Service on Aadhaar Mapper (QSAM) QSAM (Query Service on Aadhaar Mapper) – This service helps user in knowing their Aadhaar Seeding status with their bank account. 1.This service can be availed by dialling *99*99# 2.User will know whether his/her AADHAAR number is seeded/linked to any bank account number or not 3.If yes, then with which bank and when it was last updated

  • How do I get IMPS enabled?

    Sender The customer has to do the Mobile Banking Registration if he/she wants to initiate the transaction through mobile channel. For internet, ATM and bank branch channels, mobile registration is not required. Receiver Collect his/her MMID from bank and share with sender or alternatively share his/her Account number & IFS code or Aadhaar number for receiving money. The receiver can register his/her mobile no. for getting SMS alerts for transactions.

  • How do I transfer funds using IMPS?

    The following channels may be used to initiate IMPS transactions. 1.Mobile phones 2.Smartphone- Bank App/ SMS / WAP/USSD (NUUP) 3.Basic phone-SMS/USSD (NUUP) 4.Internet- Bank’s Internet banking facility 5.ATM-By Using ATM Card at Banks ATM The sender enters receivers details like: 1.MMID & Mobile no. or Account number & IFS Code or Aadhaar number 2.Amount to be transferred 3.Remarks/Payment Reference number 4.Sender’s M-PIN Both sender & receiver get SMS confirmation.

  • Does the customer need to register to remit the funds through IMPS?

    For using IMPS on mobile phones, a customer will have to register for mobile banking with his/her individual bank. However, for initiating IMPS using Bank branch, Internet banking and ATM channels, no prior Mobile banking registration is required.

  • Does the customer need to have a bank account for availing IMPS?

    Both banked as well as un-banked customer can avail IMPS. However, unbanked customer can initiate IMPS transaction using the services of Pre-Paid Payments instrument issuer (PPI).

  • Can a customer link more than one account to the same mobile number?

    Yes, customer can link more than one account to the same mobile number. However each A/C no. will have different MMID.

  • Is the beneficiary customer also required to register for IMPS?

    No need for registration, if receiving money using bank account details or Aadhaar Number. However, for receiving money using Mobile no. & MMID, Mobile registration is mandatory.

  • What is MMID? How do I get this Issued?

    Mobile Money Identifier is a 7 digit number, issued by banks. MMID is one of the input which when clubbed with mobile number facilitates fund transfer. Combination of Mobile no. & MMID is uniquely linked with an Account number and helps in identifying the beneficiary details. Different MMID’s can be linked to same Mobile Number. (Please contact your bank for getting the MMID issued)

  • What are the options available for a customer for doing IMPS transaction?

    1.Using Beneficiary Mobile no. and MMID 2.Using Beneficiary Account no. and IFS Code 3.Using Beneficiary Aadhaar Number

  • Who all are offering IMPS?

    Banks and non-bank entities (RBI authorized PPI’s) are offering IMPS to the customers across India. List of member banks and PPIs providing the IMPS services is available on http://www.npci.org.in/bankmember.aspx

  • Is the facility of Stop payments is available on IMPS?

    No, IMPS is an immediate fund transfer service, after initiating the payment request payment cannot be stopped or cancelled.

  • If I change my Mobile no., do I again need to register for Mobile Banking?

    Yes, customer needs to update their new mobile number with their banks.

  • If I change my Telecom service provider, do I need to register again?

    No need for re-registration if there is no change in mobile no., Registration is only requested if there is a change in mobile number only.

  • What are the timings for initiating and receiving IMPS remittances?

    IMPS transactions can be sent and received 24X7, (round the clock), including on holidays.

  • Where do I register a complaint with reference to the IMPS transaction?

    Customer can log IMPS complaint with their respective banks.

  • What are the charges for the customer for sending and receiving remittances using IMPS?

    The charges for remittance through IMPS are decided by the individual member banks and PPIs.Please check with your bank or PPI.

  • Do I have to separately register for RuPay E-commerce service?

    No separate registration is required for RuPay e-commerce transactions, for all transactions the cardholder needs to enter card details and OTP (one time password).

  • What is CVD (Card Validation Data)?

    It's a three digit number printed on the back of the card same as CVV as referred to by other international schemes.

  • What to do if my phone number is not registered with the bank?

    Please get in touch with your bank for registering your mobile number. Do not forget to update the same every time you change your number.

  • How long is the OTP valid?

    The validity of the OTP is decided by the card issuing bank and varies for different banks.

  • Will this OTP be valid while re-trying the transaction?

    The validity of the OTP is decided by the card issuing bank and varies for different banks.

  • What to do if I am not receiving my OTP?

    Request you to wait as delivery of OTP depends on signal strength of your telecom carrier in your current location. Alternatively, if you still do not receive OTP after considerable amount of time, please click on “Resend OTP” button. If you continue to face problems with the receipt of OTP (delayed/ non-receipt) please report the same to your bank immediately.

  • How many Point of Sale (PoS) terminals are enabled for RuPay card acceptance across India?

    As per recently published data from RBI for the month of April ‘2017, there are total 2,614,584 PoS terminals on which RuPay card acceptance is enabled. This constitutes to more than 97% PoS terminals installed in India.

  • How many banks are enabled for RuPay card acceptance in India?

    39 PoS Acquiring Banks are enabled for RuPay Card acceptance.

  • How many acquiring banks are certified for Cash@PoS services as per RBI guidelines for withdrawal of up to INR 2000 through merchants using PoS terminals?

    From certification point of view, all acquiring banks are certified for RuPay Cash@PoS services as per RBI guidelines. While many of the major public sector and private sector banks have implemented Cash@PoS services for their customers, some banks are still in process of seeking their nternal approvals for activating the service.

  • What is ON-US transaction?

    An intra-bank (ON-US) transaction is where the cardholder is of the same Bank of which the merchant belongs. This way using same bank PoS transaction are initiated and later the same Bank authorizes the transaction upon cardholder validations.

  • What is OFF-US transaction?

    An inter-bank (OFF-US) transaction is where the cardholder is of different Banks than the merchant’s Bank. In this case, inter-bank funds settlement is done using NPCI’s clearing & settlement systems.

  • Who is an acquirer Bank?

    The Bank which has acquired the transaction or the Bank whose Point of Sale (PoS) terminal has been used is the acquirer Bank.

  • Who is an issuer Bank?

    Issuer is the Bank in which the cardholder has his/her account and holds RuPay card issued by the Bank.

  • What is BHIM Aadhaar?

    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.

  • What is BHIM Aadhaar SBI or BHIM Aadhaar Axis or BHIM Aadhaar ?

    NPCI’s common app “BHIM Aadhaar” is optional for acquiring banks. They may have their own version developed and maintained, which are labelled “BHIM Aadhaar ”. The user must verify the app publisher’s name before installing the app else the merchant may end up revealing sensitive information or even lose money. The same caution must be exercised for the common BHIM Aadhaar app, which is published by National Payments Corporation of India (NPCI).

  • What is BHIM Aadhaar Pay Service?

    BHIM Aadhaar Pay Service is the back-end payment service network comprising of merchant’s acquiring bank, customer’s issuer bank and the interbank settlement agency NPCI. Thus, in effect when a customer of SBI tries to transact with a PNB merchant it flows via the BHIM Aadhaar Pay service run by NPCI on which both these banks are certified and live. NPCI also runs Dispute Management Services for the member banks for BHIM Aadhaar Pay service.

  • Is BHIM Aadhaar available for all handsets and Operating Systems?

    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.

  • Can the transactions be done on a feature phone?

    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.

  • Is there any limit on the value of transactions in BHIM Aadhaar?

    The current limit is Rs 10,000/- per transaction, however this will be reviewed and changed from time to time.

  • In how many languages is BHIM Aadhaar available?

    Currently BHIM Aadhaar is only available in English. More languages will be enabled soon.

  • Can I use BHIM Aadhaar outside India?

    No, currently the BHIM Aadhaar Pay service is available only in India.

  • What are the charges levied for using BHIM Aadhaar?

    NPCI does not charge any merchant or customer for transacting on BHIM Aadhaar. Kindly check with your respective banks for charges that may be levied by them.

  • Does BHIM Aadhaar work without internet?

    No, you need a stable internet connection to login and transact with the customer.

  • What are the timings for using BHIM Aadhaar?

    BHIM Aadhaar Pay service is available round the clock i.e. 24x7.

  • How do I use BHIM Aadhaar if my bank is not live on BHIM Aadhaar Pay service?

    BHIM Aadhaar will work only with banks that are live on BHIM Aadhaar Pay service. You can select from the listed bank after opening an account with that bank.

  • Who can use BHIM Aadhaar?

    Any sole-proprietor merchant can use it for submitting interest to his/ her choice of bank and subsequent to completing the on-boarding pre-requisites, as mandated by the acquirer bank, merchant may use this service for accepting payment from customers.

  • What is Aadhaar Enabled Payment System?

    Aadhaar Enabled Payment System is a payment service empowering a bank customer to use Aadhaar as his/her identity to access his/ her respective Aadhaar enabled bank account and perform basic banking transactions like balance enquiry, cash deposit, cash withdrawal, remittances through a Business Correspondent.

  • What are the services available under AePS?

    Under AePS currently following services are present: 1. Balance Enquiry 2. Aadhaar to Aadhaar Fund Transfer 3. Cash Withdrawal 4. Cash Deposit 5. BFD he above services are available in both inter-bank and intra-bank modes.

  • What is BFD?

    BFD is Best finger detection .The best finger of a resident is the one that has the highest probability of matching. A resident can possess one or more best fingers, which can be detected during the Best Finger Detection (BFD) process. Operator checks the resident’s fingers and captures all fingers from both hands (generally ten) to determine the best fingers. Once the best attempt is captured for all fingers, It is then compared with the biometric data stored with UIDAI CIDR. Based on the response, results are communicated indicating the best fingers of the resident with the rankings in decreasing order. 

  • What is Demographic authentication?

    Demographic Authentication is a process wherein the resident’s Aadhaar number and demographic inputs are matched against the data stored in UIDAI CIDR provided by the resident during enrolment/update process.

  • What is eKYC Service?

    eKYC is Electronic Know Your Customer. It is an electronic way of doing real time KYC of a customer using Aadhaar authentication. The Customer has to provide his/her Aadhaar number and biometrics/OTP. eKYC enables an organization to get electronic copy of customer identity and address details, as present in UIDAI database, with customer consent. 

  • What are the benefits of AePS?

    Benefits of AePS are as follow: Aadhaar enabled Payment System is easy to use, safe and secure payment platform to avail benefits by using Aadhaar number & biometrics. Aadhaar enabled Payment System is based on the demographic and biometric/iris information of an individual, it eliminates the threat of any fraud and non-genuine activity Aadhaar enabled Payment System facilitate disbursements of Government entitlements like NREGA, Social Security pension, Handicapped Old Age Pension etc. of any Central or State Government bodies using Aadhaar authentication. Aadhaar enabled Payment System facilitates inter-operability across banks in a safe and secured manner. Reaching the unreached - The model enable banks to extend financial services to the unreached clients beyond their branch network as beneficiaries of the BCs are mostly located at unbanked and underbanked areas.

  • What are the benefits of BFD?

    The following are the benefits BFD: 1. Indicate all good fingers apart from best fingers  2. Provide consistently higher authentication accuracy  3. Improve reliability of authentication  4. Indicate suggested actions in case no good fingers are found  5. Identify residents who may need to update their biometrics 6. Identify residents who may need to use alternate authentication mechanisms due to inherent poor fingerprint quality

  • What are the benefits of eKYC?

    eKYC as a product has following benefits:  1. Paperless. 2. Cost effective 3. Prevent Identity hacking and forged documents  4. Safe & Secure  5. Instantaneous 

  • What is ON-US transaction?

    An intra-bank (ON-US) transaction where an Aadhaar initiated transaction has effects only in accounts within one and same bank and does not necessitate an interbank settlement. A Customer can use Account holding bank terminal deployed on the field for availing AePS Service.

  • What is OFF-US transaction?

    An inter-bank (OFF-US) transaction is one where there is movement of funds from one bank to another necessitating an interbank settlement. Customer can approach other Bank terminals for availing AePS Service.

  • Who is acquirer Bank?

    The bank which has acquired the transaction or the bank whose device has been used is acquirer bank. 

  • Who is issuer Bank?

    Issuer is the bank in which the user hold his/her account and Aadhaar is mapped for doing AEPS Transactions. 

  • What is RRN No.?

    RRN number is a 12 digit number generated to record the transaction and to identify a transaction uniquely. 

  • What I can do when transactions declined at BC location and account get debited/credited incorrectly by acquirer/issuer Bank?

    In such situation one should visit the bank where his/her account is located i.e. the nearest branch of issuer bank.

  • What is Aadhaar number?

    It is a 12 digit unique identification number that stores demographic and biometric information of the resident with photograph issued by Unique Identification Authority of India (UIDAI) on behalf of Government of India. Aadhaar serves as a proof of identity and address, anywhere in India. Aadhaar number is a 12 digit unique identification number which never starts with “0” and “1”. The last digit of the Aadhaar number is a check sum digit.

  • How to become an AUA/KUA?

    To become an AUA/KUA, an organization has to adhere guidelines of UIDAI available in below mentioned link:- https://authportal.uidai.gov.in/web/uidai/home-articles?urlTitle=on-boarding-documents&pageType=resources

  • What is AUA/KUA?

    AUA is an Authentication User Agency. Any organization or an entity using Aadhaar number authentication as part of its applications to provide services to residents.  KUA is a KYC User Agency. Any organization or entity who is already an AUA and has signed the agreement to access KYC API.

  • What is UPI?

    Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties' bank accounts

  • What is an UPI-PIN?

    PI-PIN (UPI Personal Identification Number) is a 4-6 digit pass code you create/set during first time registration with this App. You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on BHIM. (Note: Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the BHIM app) Note: Please do not share your UPI-PIN with anyone. BHIM does not store or read your UPI-PIN details and your bank's customer support will never ask for it.

  • What happens if I enter wrong UPI-PIN during a transaction?

    The transaction will fail if you enter the wrong UPI pin.

  • I have selected the Bank name to link with UPI but it does not find my bank A/C

    In such a case, please ensure that the mobile number linked to your bank account is same as the one verified in any UPI App. If it is not the same, your bank accounts will not be fetched by the UPI platform.

  • How do I pay an online merchant through UPI?

    When you shop-online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (eg - xyz@upi). Once entered, you will receive a collect request on your BHIM app. Enter your UPI-PIN here and your payment will be complete. As easy as this!

  • Do money transfers happen on UPI only during banking hours?

    All payments are instant and 24/7, regardless of your bank's working hours.

  • I have paid for my transaction but not received anything. Why is that?

    Once you complete a transaction, you should see a success status on the BHIM screen and receive an SMS from your bank. In some cases due to operator issues it can take longer time. In case you have not received your confirmation within an hour please contact the customer support at your bank.

  • How can I view my transaction history?

    Go to Home Screen ->Transaction History, to view all your past and pending transactions

  • How is UPI different from IMPS?

    UPI is providing additional benefits to IMPS in the following ways: 1.Provides for a P2P Pull functionality 2.Simplifies Merchant Payments 3.Single APP for money transfer 4.Single click two factor authentication

  • Does a customer need to register before remitting funds using UPI?

    Yes, a customer needs to register with his/her PSP before remitting funds using UPI and link his accounts.

  • Does the customer need to register a beneficiary before transferring funds through UPI? What details of beneficiary will be required?

    No, registration of Beneficiary is not required for transferring funds through UPI as the fund would be transferred on the basis of Virtual ID/Account+IFSC/Aadhaar Number. (Please check with your PSP and Issuing bank with regard to the services enabled on the App).

  • Does customer need to have a bank account or this can be linked to a card or wallet?

    No, customer cannot link a wallet to UPI, only bank accounts can be added.

  • Does the beneficiary also have to register for UPI for receiving funds?

    In case of Virtual ID transaction, the beneficiary needs to have a Virtual ID and in turn be registered with UPI but in case of Account + IFSC or Aadhaar number, the beneficiary need not be registered for UPI. (Please check with your PSP and Issuing bank with regard to the services enabled on the App).

  • What happens if my mobile phone is lost?

    In case of mobile loss, one needs to simply block his mobile number thus no transaction can be initiated from the same mobile number which is a part of device tracking and at the same time UPI pin would be required for any transaction which is not to be shared with anyone.

  • Can I link more than one bank account to the same virtual address?

    Yes, several bank accounts can be linked to the same virtual address depending on the functionalities being made available by the respective PSPs.

  • What are the different channels for transferring funds using UPI?

    The different channels for transferring funds using UPI are: a.Send/Collect through Virtual ID b.Account Number + IFSC c.Aadhaar Number

  • What if my account is debited but the transaction does not go through?

    UPI provides for real time reversals for declines and amount would be transferred back to the payer account immediately. In case if it does not reverse the amount immediately, you can contact your bank for the same.

  • Can I put a stop payment request for funds transferred by UPI?

    No, once the payment is initiated, it cannot be stopped.

  • Where do I register a complaint with reference to the UPI transaction?

    You can also raise your grievance or check status of UPI transaction through the UPI App of the participating banks.

  • What is the limit of fund transfer using UPI?

    At present, the upper limit per UPI transaction is Rs.1 Lakh

  • If I change my UPI app will I be required to register again or I can carry the same virtual address?

    In case of change in UPI App, a person needs to re-register and it needs to create a new VPA with the handle of the PSP.

  • What happens if I forget my pin?

    In case someone forgets the UPI pin, he needs to re-generate a new UPI pin using his debit card details (the last six digits of their debit card & expiry date).

  • Will I be able to use UPI after I change my sim or mobile?

    In case of change in sim/mobile/application of the PSP, customer would require to re-register themselves for UPI.

  • Will I be able to use UPI across all Mobile platforms?

    UPI is available on Android and iOS platform

  • What is the timeline to approve a collect request by a payer?

    The timeline to approve a collect request needs to be defined by the requester.

  • In case my mobile is used by another person, will there be any security breach?

    In any transaction, the UPI pin would be required which needs to be fed through the mobile at the time of any transaction making it safe and secured.

  • What if I change my mobile carrier?

    No problem at all. You can continue using UPI apps as usual.

  • What if I change my handset?

    If you change your handset, you will need to: 1.Download the PSP app again 2.Register through mobile verification 3.Your VPA will be auto saved

  • Will you ever auto-deduct payments from my account?

    We will not auto deduct payments from your account.

  • How are you getting all my bank A/C information?

    This is a feature of the UPI payment platform (built by NPCI - an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. UPI app can't see all the details. This exchange is done over secure banking networks and we don't store or ever use it.

  • What if I lose my phone?

    If you lose your phone, the UPI-PIN is required to authorize all transactions which will not be known to any third person and hence they will not be able to use the UPI app. In addition, please contact our customer support at your bank in the event you lose your phone.

  • My UPI transaction has failed but my bank account has been debited.

    In case of failures money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, please contact customer support at your bank.

  • How do I set my UPI-PIN with the bank directly?

    You can set your UPI pin on any PSP app using your debit card details.

  • My transaction is showing “Pending”. The amount has been debited and not credited. Is there a problem?

    Your transaction is successful, but due to some issue at the beneficiary bank end, there is a delay. The amount will reach him/her in 48 hours, once the bank is done with its daily settlements.

  • Can I use more than one UPI application on the same mobile if they are linked to different bank accounts?

    Yes, one can use more than one UPI application on the same mobile and link both same as well as different accounts.