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BHIM - MAKING INDIA CASHLESS?
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Sure, I'll look into it and give you some links. Meanwhile, if you have an account with any Indian Bank and ur Mobile number is linked and you have a debit card, you can try and understand UPI using BHIM app. It's very simple and self explanatory. Also these are the basics of UPI.
From https://play.google.com/store/apps/details?id=in.org.npci.upiapp
Version 1.1 can access:
- Identity
read your own contact card
- SMS
read your text messages (SMS or MMS)
receive text messages (SMS)
send SMS messages
- Phone
read phone status and identity
- Photos / Media / Files
read the contents of your USB storage
modify or delete the contents of your USB storage
*Storage read the contents of your USB storage modify or delete the contents of your USB storage
- Camera
take pictures and videos
- Wi-Fi connection information
view Wi-Fi connections
- Device ID & call information
read phone status and identity
- Other
receive data from Internet
view network connections
full network access
prevent device from sleeping
UPI Lite has been launched recently where it allows to setup a wallet within the UPI app and pay from that wallet instead of the linked bank account.
Wallet can be loaded via the linked bank account using UPI PIN upto ₹2000 (as of now)
Max limit of one UPI LITE transaction is ₹200 (as of now)
Payments through UPI LITE wallet work similar to normal UPI transaction by scanning QR just DONT need UPI PIN (so you dont have to share the UPI PIN, just keep it to yourself while you load the wallet for your kid, they just need to select the wallet instead of the bank account while paying and by default wallet is selected if transaction value is <200)
Wallet balance can be unloaded anytime to the bank account which loaded it
As of now, this only works in BHIM app, others will add it later
Yeah! UPI is just like a mobile number, with no telecom restriction.
Any upi app user can send to any other app user. All you'd need to share if your UPI ID or even most apps allow the UPI ID to be the phone number like 9998887776@upi etc.
For convenience, I'd suggest to simply delete all accounts & download <strong>BHIM</strong>. Works the best everywhere.
3, 4 . Is eliminated as the whole USP of BHIM is (send money to contacts or phone numbers) , no need to know account and ifsc .
From Bhim APP
>How does it work?
> Register your bank account with BHIM, & set a UPI PIN for the bank account. Your mobile number is your Payment Address, & you can simply start transacting. Yes! It is that simple.
https://play.google.com/store/apps/details?id=in.org.npci.upiapp
Just another UPI app.
The way I got it was Right Click on OP's link and copy it (https://play.google.com/store/apps/details?id=in.org.npci.upiapp&rdid=in.org.npci.upiapp) then I went to http://goqr.me/ Pasted that in the text box, and scan that with my Camera App. MIUI's camera app itself reads QR also (which is really cool of them TBH) and then Voila. :)
Thanks.
Is this the one? https://play.google.com/store/apps/details?id=in.org.npci.upiapp
Here is how to use UPI-based BHIM app
Prime Minister Narendra Modi today launched UPI-based digital payment app BHIM. The app is aimed at encouraging digital transactions and increase participation of people in Lucky Grahak Yojana (For retail consumers) and in Digi Dhan Vyapar Yojana (For small businesses).
Users can send and receive money instantly using this app. It also enables a user to pay and receive money by scanning QR code. All payment on the app are done using secured network of Unified Payment Interface and the money gets credited into your bank account instantly 24x7, as claimed in the app's description. Here is how to use the BHIM app:
First, you have to download the app from Google play store or from the following link:
https://play.google.com/store/apps/details?id=in.org.npci.upiapp
Once installed, follow the below said procedure to activate the app:
As you open the app, it will prompt you to chose your language - Hindi/English.
Chose your language and click next
It will ask for access to phone's SMS and phone's state to verify it with UPI
Next it will ask for permission to allow the app to make and manage phone calls
Then it will prompt for allowing the app to send and view SMS messages
Also Read: PM Narendra Modi launches UPI based mobile payment app called BHIM
Once given these permissions, the app will ask you to select your SIM card, in case of dual-SIM smartphone, (Users are advised to choose the SIM/Mobile number registered/linked with Bank accounts)
The app will send an SMS using your SIM to verify the app (Re 1 will be charged for this)
Once verified, it will ask you to chose your 4-digit UPI pin code/passcode
After passcode input, you can choose your bank from 31 listed banks. Below is the list of banks:
Allahabad Bank
Andhra Bank
Axis Bank
Bank Of Baroda
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
Punjab National Bank
RBL
South Indian Bank
Standard Chartered Bank
State Bank Of India
Syndicate Bank
Union Bank Of India
United Bank Of India
Vijaya Bank
*After choosing your bank, input your account number or if available in your SMS box, it will automatically detect it.
- Then it will show a screen with options - Send, Request and Scan and Pay.
This means you have successfully set up the app and it is now ready to use.
You can also view your profile, records of transactions and by clicking on Bank Account option, you can reset or change your UPI pin. By clicking on three dots on right top corner, you can change your bank account if you wish to switch to another account from the current one.
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Try UPI.