Training Presentation

Android App & *99#

1
User Profiles for BHIM

Send Money to Friends & Family at ZERO cost

Scan & Pay to QR code at Merchant Shops/Neighbourhood
Consumers Shop or Pay online by clicking on Pay by UPI
Check Balance & See Transaction history

Easily collect payments from customers into bank account directly

Merchants Zero cost to accept payments via BHIM
Download QR code & Print to collect payments

2
User Requirements for start using #BHIM

Bank Account Register Mobile Numbers Active Debit Card

in any of the 35+ UPI Enabled against their bank accounts to set UPI PIN.
Banks Can be VISA, Maestro or RuPay

3
List of Banks Live on BHIM

- Allahabad Bank - IndusInd Bank

- Andhra Bank - Karnataka Bank
- Axis Bank - Karur Vysya Bank
- Bank of Baroda - Kotak Mahindra Bank
- Bank of India - Oriental Bank of Commerce
- Bank of Maharashtra - Punjab National Bank
- Canara Bank - RBL Bank
- Catholic Syrian Bank - South Indian Bank
- Central Bank of India - Standard Chartered Bank
- DCB Bank - State Bank of India
- Dena Bank - Syndicate Bank
- Federal Bank - TJSB
- HDFC Bank - UCO Bank
- ICICI Bank - Union Bank of India
- IDBI Bank - United Bank of India
- IDFC Bank - Vijaya Bank
- Indian Bank - Yes Bank Ltd
- Indian Overseas Bank

4
BHIM APP - How to get Started?
BHIM - Android App - One app for all banks

1. Send & Collect Money in just 3 easy

steps
2. Transfer to Mobile number, or
Payment Address or Account + IFSC
3. Multiple Languages
4. Scan or Download QR code for your
bank account

6
User Onboarding

Bank account is
NPCI verifies mobile
User selects Bank if auto-selected and user is
Language selection number by sending
mobile is verified sent to homepage if UPI
an SMS
Pin is SET 7
Set UPI PIN flow

Provide debit card Set UPI PIN in the NPCI Redirect user to the A/C
UPI PIN Set Alert
details to set UPI PIN page details page
8
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

Clicks on Send Money Enter Payment Address,

Enter MPIN Paid Successfully in Seconds
Verify & Enter amount to
pay 10
Send Money - IFSC & MMID

User clicks on Send

Money & Selects 3 dot User can use menu to Enter MPIN Paid Successfully in Seconds
menu change
11
 Scan and Pay

User Scans the QR Enters Amount &

Enter UPI PIN Payment Success
code to pay at store Remarks
12
Request Money Flow

Enter amount to Request sent

Request Successfully
13
Transaction history & Respond to Collect

Transaction History, Open a Pending request and Open an old transaction. Can
Pending Requests Pay/Decline report issue
14
*99# - How to get Started?
Step 1: Create a BHIM Account by dialing *99#

Select Language Congrats. You can now

receive money to your
1.English Please enter first four Select number.
mobile account To send
2. digits of Bank Name or money, please note OTP
Bank Short Code or 1. ***787
sent to yourRAMESH
phone andS
3.
IFSC 2. ***456
keep RAMESH
your debit card S
*More
ready. Dial *99*X*7*1#
to set UPI PIN.

1 2 3
16
Step 2: Set UPI PIN & Check Balance

Enter [Last 6 digits of Your UPI PIN is set.

debit card] [Expiry Date Enter your new {no of Please re-enter your
To check balance for Your Account
MMYY] separated by digit} digit UPI PIN {no of digit} digit UPI
PIN to confirm your Account XXX, Balance is XXXX
single space
enter your UPI PIN Press 1 for Main
Ex: 23344 0923 Menu

837384 0934

1. User enters Debit Card 2. User enters the new UPI 3. User enters the new UPI 4. UPI Pin is set successfully 5. Check Balance Success
Details Pin Pin

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

Step 3: Main Menu - *99#

Select Option:
1. Send Money
2. Request Money
3. Check Balance
Registered user is always taken to the
4. My Profile
5. Pending Requests main menu on dialing *99# after
6. Transactions
7. UPI PIN successful one time registration
Send Money to Mobile Number - *99*1*1#

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

Select Option: Send money to :

1. Send Money 1. Mobile Number
2. Request Money 2. Payment Address Enter Mobile Number
3. Check Balance 3. Saved Beneficiary Paying Ramesh, Paying Ramesh Rs Your payment to
of the beneficiary 91000 12345 142 Ramesh for Rs 142
4. My Profile 4. IFSC, Account No
5. Pending Requests 5. MMID, Mobile No. Enter your UPI PIN is successful.(Txn
6. Transactions Enter Amount in Rs. for SBI ***782 Ref No: 123456)
7. UPI PIN Select option to
1. Save contact
1 9910012345 2 2. Exit

1. User Selects 1 to pay 2. Chooses to pay to a 3. Enters the mobile 4.Enters the amount to 5.Enters UPI PIN 6.Payment Successful
Displays Your contact
to New contact. mobile number number to pay be paid. Name of the
has been saved
mobile number holder is
successfully on 1
verified and displayed
19
Send Money to Payment Address - *99*1*2#

Select Option: Send money to :

1. Send Money 1. Mobile Number
2. Request Money 2. Payment Address Enter Payment
3. Check Balance 3. Saved Beneficiary Address of the Paying Ramesh, Paying Ramesh Rs Your payment to
4. My Profile 4. IFSC, Account No beneficiary ramesh@upi 142 Ramesh for Rs 142
5. Pending Requests 5. MMID, Mobile No. Enter your UPI PIN is successful.(Txn
6. Transactions Enter Amount in Rs. for SBI ***782 Ref No: 123456)
7. UPI PIN Select option to
1. Save contact
1 ramesh@upi 2 2. Exit

1. User Selects 1 to pay 2. Chooses to pay to a 3. Enters the mobile 4.Enters the amount to 5.Enters UPI PIN 6.Payment Successful
Displays Your contact
to New contact. mobile number number to pay be paid. Name of the
has been saved
mobile number holder is
successfully on 1
verified and displayed
20
Send Money to Saved Beneficiary - *99*1*3#

Select Option
Send money to : Send Money to:
1. Send Money 1. Ramesh {mobile no}
1. Mobile Number
2. Request Money 2. Suresh {Aadhaar
2. Payment
Aadhaar Number
Address Paying Ramesh, Paying Ramesh Rs Your payment to
3. Check Balance Number}
3. Saved
PaymentBeneficiary
Address 91000 12345 142 Ramesh for Rs 142
4. My Profile 3. Nikhil {payment
4. IFSC,
SavedAccount
Beneficiary
No address} Enter your UPI PIN is successful.(Txn
5. Pending Requests
5. MMID,
IFSC, Account
Mobile No.
No 4.Sahebjot {bank name} Enter Amount in Rs. for SBI ***782 Ref No: 123456)
6. Transactions
6. MMID, Mobile No. {masked Account no} Select option to
7. UPI PIN

4 1

1. User Selects 1 to pay 4.Enters the amount to 5.Enters UPI PIN 6.Payment Successful.
to New contact.
2. Chooses to pay to a 3. Selects the be paid. Name of the
saved beneficiary beneficiary to pay
mobile number holder is
verified and displayed
21
Send Money to IFSC, Account Number - *99*1*4#

Send money to :
1. Mobile Number
2. Payment Address Enter [IFSC code] Enter [Account Paying Ramesh, Paying Ramesh Rs Your payment to
3. Saved Beneficiary of your beneficiary Number] of your xxxx9309 142 Ramesh for Rs 142
4. IFSC, Account No beneficiary Enter your UPI PIN is successful.(Txn
5. MMID, Mobile No. Enter Amount in Rs. for SBI ***782 Ref No: 123456)
Select option to
1. Save contact
4 HDFC0000077 9230239029309
2. Exit

1. Chooses 1. IFSC, 2.Enters IFSC code 3.Enters Account 4.Enters the amount to 5.Enters UPI PIN 6.Payment Request
Account Number Number be paid. Name of the Initiated
mobile number holder is
verified and displayed
22
Send Money to MMID, Mobile Number - *99*1*5#

Select Option
Send money to :
1. Send Money
1. Mobile Number
2. Request Money
2. Payment Address
3. Check Balance Enter [MMID] Paying Ramesh with Paying Ramesh Rs Your payment to
3. Saved Beneficiary
4. My Profile [Mobile Number] mobile number, 96209 142 Ramesh for Rs 142
4. IFSC, Account No
5. Pending Requests separated by a 12345 Enter your UPI PIN is successful.(Txn
5. MMID, Mobile No.
6. Transactions single space Enter Amount in Rs. for SBI ***782 Ref No: 123456)
7. UPI PIN Select option to
1. Save contact
2 6 987654 96209 12345
2. Exit

1. Enters Option 2 2.User chooses 2.MMID, 3.Enters details 4.Enters the amount to 5.Enters UPI PIN 6.Payment Request
Mobile number be paid. Name of the Initiated
mobile number holder is
verified and displayed
23
Request Money Flow - *99*2#

1. Send Money
2. Request Money Enter Mobile Number or Collecting from Suresh
3. Check Balance Payment Address Prabhu with Mobile Your request to
4. My Profile 9989898989. collect Rs. 142 sent
5. Pending Requests Enter Amount in Rs. successfully to
6. Transactions Suresh Prabhu
7. UPI PIN
9989898989

1. User selects 2 to Collect
money
2. User can send collect 3. NPCI shows the Name 4. Collect Request sent
money request to a mobile resolving from the VPA. User successfully via SMS to user
number or payment address Enters the amount to be
collected. 24
Check Balance - *99*3#

1. Send Money
1. Pay
2. Request Money
2. Collect
3. Check Balance
3. Contacts
4. My Profile
4. Passbook
5. Pending Requests
5. My Profile
6. Transactions

1. User Selects option to 2. User enters his/her UPI PIN 3. User views account balance
Check Balance

25
Respond to Pending Requests - *99*5#
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 Your payment to Hari
[Amount] or Om for Rs. 142 is
initiated.
Enter 2 to reject
Enter 9 to go main menu
2. User chooses to Pay 3. Payment Request done
or Deny
26
Transactions History - *99*6#

1. Send Money Select Option for details: Requested Rs.1532 from

2. Request Money 1 Received Rs.1532 from Ramesh @ybl on 1-Dec
3. Check Balance Ramesh @ybl on 1-Dec Remarks: Test
4. My Profile 2 Sent Rs.123 to Status: FAILURE
5. Pending Requests 9620902139@upi on
6. Transactions 29-Nov Select Option:
7. UPI PIN 3. Requested Rs.50 from 1 Raise query
Namo@upi on 26-Nov 2 Exit
6
1
Reply 1

1. User Selects option see 2. User gets to see the last 5 3. User gets to see the details
transactions transactions made in NUUP of txn and raise query

27
Thank you.
Facbook: www.facebook.com/bhim.npci
Twitter: www.twitter.com/NPCI_BHIM