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Digital Payments: Step-by-Step Guide for Various Modes Including Cards, USSD, AEPS, UPI, and Wallets

This guide provides detailed instructions on using different digital payment methods like cards, USSD, AEPS, UPI, and wallets. It covers topics such as issuing bank cards, prepaid and debit cards, mobile banking using USSD, Aadhaar-enabled payment system (AEPS), UPI registration and transactions, and wallet usage. Learn how to make safe and convenient digital payments with these step-by-step instructions.

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Digital Payments: Step-by-Step Guide for Various Modes Including Cards, USSD, AEPS, UPI, and Wallets

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  1. DigitalPayments STEPBYSTEPINSTRUCTIONSFORVARIOUSMODESOFPAYMENT: Cards,USSD,AEPS,UPI,Wallets

  2. BankCards

  3. GettingaBankCard 2 1 • HOWTOISSUEACARDFROMYOURACCOUNT • Approachnearestbankbranch • Multiplecardsfromoneaccount • PINissuedbybankseparately • ACTIVATEYOURCARD • At your Bank’s ATM by even • balancechecking • Atyourbankbranchbyanytransaction

  4. TypesofCards&Usage PREPAIDCARDS Pre-loadedfromyourbankaccount Safetouse,limitedamountoftransaction Canberechargedlikemobile recharge DEBITCARDS Linkedtoyourbankaccount Usedtopayatshops,ATMs,wallets,microATMs,onlineshopping

  5. PointofSale(POS)&Cardsteps PREPAIDCARDCANBEISSUEDBYANYBANKFROMACCOUNTORCASH (FOLLOWINGBENEFITS) BANKSISSUEVARIOUSCARDSFORTHEIRACCOUNTHOLDERS USEYOURCARDTOSHOPANYWHERE PrepaidCards AtanyPoS Pre-loadedcard Debitcards AtATM Equivalenttocash CreditCards Onlineshopping Canberechargedseveraltimes CanbeusedatanyPoS,ATM

  6. UnstructuredSupplementaryService Data(USSD)basedMobileBanking *99#-NationalUnifiedUSSDPlatform(NUUP)

  7. RequiredforActivation 2 1 ANYMOBILEPHONEONGSMNETWORK ACCOUNTINABANK CanbeusedforpaymentsuptoRs5000perdaypercustomer

  8. Registration 1 Newchangesbeingbroughttosimplifyuserexperience;noneedforseparateMMID Visityourbranchtolinkmobilenumberandbankaccount CanbedoneatATMoronlinealso 2 YouwillgetyourMobileMoneyIdentifier(MMID)andMobilePIN(MPIN)uponregistration 3 RememberyourMMIDand MPIN

  9. TransferFundstoanotherBankAccount Dial*99#fromyourphone

  10. Aadharenabledpaymentsystem (AEPS)

  11. AadhaarEnabledPaymentSystem(AEPS) • AadharenabledServices • BalanceEnquiry • CashWithdrawal • CashDeposit • AadhaartoAadhaarFundsTransfer AEPSallowsbank-to-banktransactionatPoS(MicroATM)withthehelpofBC OnlyAadharneeded

  12. KeyStepsforAEPSTransaction GOTOAMICROATMORBANKINGCORRESPONDENT PROVIDEYOURBANKNAMEANDAADHAAR CHOOSEWHICHTRANSACTIONTODO ONSUCCESSFULTRANSACTION ,TAKETHEPRINTSLIP PROVIDEFINGERPRINTONSCANNER PROCESSCOMPLETED

  13. AadhaarEnabledPaymentSystemSteps • Youcando • Accountbalance • AadhartoAadharfund • transfer • Cashwithdrawal • Cashdeposit • PurchaseatFairPriceShops • withAEPS SeedyouraccountwithyourAadharnumberatbankorwiththehelpofbankingcorrespondent NowyoucandomanytransactionsatanyAEPSpointwithout any pin or password(AEPSpoints– MicroATMs)

  14. MicroATMTransaction

  15. UPI

  16. RequirementsforregistrationonUPI REQUIREMENTS Smartphonewithinternetfacility BankAccountdetails(onlyfor registration) AVAILABLEAPPS(28BANKAPPS) SBIapp,PNBUPI,UPICollect(ICICI),AxisPay,CanaraBankUPI,UCOUPI,UnionBankUPI, OBCUPIand20otherbanks

  17. UPIRegistrationProcess CHOOSEYOURUNIQUEID(AADHAR,MOBILENO.)ASVIRTUALPAYMENTADDRESS(VPA) DOWNLOADANY BANK’S APPOR3RDPARTYAPP SELECTYOUR BANK SETM-PINFORVALIDATINGTRANSACTIONS GIVEACCOUNTDETAILSFORFIRSTTIME REGISTRATIONCOMPLETED

  18. RegisteringonUPI Screenshottakenfromhttp://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/

  19. SendingMoneyonUPI ENTERPAYEE’S VIRTUALPAYMENTADDRESS CHOOSE“SEND MONEY” ENTER AMOUNT WRITEREMARKSFORTRANSACTION CONFIRMTHEDETAILS HIT“SEND”

  20. SendingMoney Screenshottakenfromhttp://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/

  21. CollectingMoney(raiseademand)onUPI ENTERPAYER’S VIRTUALPAYMENTADDRESS CHOOSE“COLLECT MONEY” ENTER AMOUNT WRITEREMARKSFORTRANSACTION ENTERWHENDOYOUWANTTOCOLLECT HIT “CONFIRM”

  22. CollectingMoney Screenshottakenfromhttp://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/

  23. Wallets

  24. Whataree-wallets? Electronicpre-paidpaymentsystem,mobile-first Usedinpurchasingitemson-linewithacomputerorasmartphoneatastore. Anindividual'saccountisrequiredtobelinkedtothedigitalwallet toloadmoneyinit. Mostbankshavetheire-walletsandsomeprivatecompanies

  25. UsingWallets ConsumerWalletLimits:Rs.20,000/monthforall.Rs.1lakh/monthwithKYC CONSUMERDOWNLOADSTHEAPPONSMARTPHONE STARTUSINGWALLETTOMAKEPAYMENTS LOADMONEYUSINGDEBITCARD/CREDITCARDOFNETBANKING SIGNUPUSINGMOBILE MerchantWalletLimits:Rs.50,000/monthwithSelfDeclaration.Rs.1lakh/monthwithKYC SHOPKEEPER /SERVICEPROVIDERDOWNLOADSTHEAPP SELFDECLAREITSELFASAMERCHANT SIGNUPUSINGMOBILE STARTACCEPTINGPAYMENT BasicRequirementstoStartUsingaWallet:BankAccount,Smartphone,2G/3GConnection&AFreeWalletApp

  26. PointofSale(PoS)

  27. TypesofPoS PHYSICALPOS MPOS V-POS PhysicalCardSwiping–PTSN withlandline/GPRSenabled PhoneconnectedwithexternalPOSdevicethroughjack/Bluetooth VirtualE-paymentGateway

  28. PhysicalPoS 2 3 1 ENTERAMOUNTTOBEPAIDANDPIN GENERATERECEIPT SWIPEADEBIT/CREDITCARDONTHEPOSMACHINE

  29. InstallationofPhysicalPoSTerminal 4 1 Submitfollowingdocuments: Open/identifycurrent accountfortransactions • Proofofbusiness(anyone) • Shop&establishmentregistrationcertificate • VATcertificate • Salestax • Proofofaddress • Photoidentityproofofproprietor/partner • Financialdetails • Bankstatement • Incometaxreturn 2 Fillintheapplicationform(online/atthebranch) 5 3 AcceptanceofMDRbymerchant IdentifytypeofPoSrequired(landline/GPRS) 6 ExecutionofMerchantEstablishmentAgreement

  30. MobilePoS Note:mSwipeisusedasanexampleofMPOShere

  31. V-PoS NoPoSmachinerequired QRcodeusedforpaymenttobankaccount ofmerchant Completeprivacyofmerchantbankaccount

  32. MustDoPractices Registeryourmobilenumberatbankforregularinformationby SMSforeverytransaction NevershareyourPINtoanyone Transactatonlytrustedmerchants WhileatATM,ensurenooneislookingoveryourshoulders

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