BHIM AADHAAR-BOI

BHIM AADHAAR-BOI

  • “BHIM Aadhaar BOI” is the merchant version of Aadhaar Enabled Payment System (AEPS) which enables merchants (Individual or Sole Proprietor) to accept digital payment from the Customer having Aadhaar enabled account; using his/her Aadhaar number and Biometrics which is authenticated by Unique Identification Authority of India (UIDAI).
  • Once the biometrics and Aadhaar number is verified, the funds are transferred from the customer’s account to the merchant’s account in real time. The maximum limit on a transaction made with the BHIM Aadhaar Payment app is Rs. 10,000.

BHIM AADHAAR-BOI

  • No Cash Handling as merchants can receive payments directly into their accounts.
  • Customers can pay for their purchases from their bank account directly.
  • No need for customers to pay in cash or to carry debit or credit cards for purchases.
  • Can be used for home-delivery payments too as it is easy to carry phone and biometric scanner.
  • Secure, simple and easy to use.

BHIM AADHAAR-BOI

BHIM Aadhaar-BOI is a digital payment acceptance solution which allows merchants to accept digital payments from customers via Aadhaar based biometric authentication. When the customer makes a purchase using BHIM Aadhaar BOI, money is debited from his/her Aadhaar linked bank account of the selected bank and credited to merchant’s account.

Two parties involved in any financial transaction i.e. the Merchant, who sells the goods / services and the customer, who utilizes the goods / services.

For a customer:

  • The customer should have Aadhaar Number
  • His/her bank account should be linked with Aadhaar
  • AePS facility should be enabled for the account
  • His / her account should be KYC compliant

For a Merchant:

  • The customer should be a merchant
  • He should have Aadhaar number
  • His/her bank account should be linked with Aadhaar
  • His / her account should be KYC compliant

The merchant needs to get registered by visiting BOI Branch for submitting application. Rest of the registration process will be done by branch/Zone. Once registration is complete, a unique merchant ID is created and shared with merchant.

Merchant needs to download BHIM-Aadhaar-BOI from the Google Play store and login using his Merchant ID/Aadhaar number and biometric credentials. In addition, the merchant is also asked to agree to the terms and conditions for using the app which are displayed on the mobile itself. Other requirements are:

  • He/she should have Android smartphone with Android version 10 or higher with internet connectivity.
  • He/she should have STQC certified Biometric device attached to the smartphone.
  • “Mantra Management Client” is the Fingerprint scanner that needs to be downloaded from Google Play store for Biometric device. After installation of the application, Click on Ok. It will redirect to download “Mantra RD Service” in case it is not detected in the device. After installation of the application, Click on Ok. It will redirect to download “Mantra RD Service” in case it is not detected in the device.

For the first time login:

  • Step1: Enter your Aadhaar Number, which is registered with Merchant ID. You can also scan the Aadhaar Number from QR code available on your Aadhaar card. Merchant can also login using Merchant ID. In case, Aadhaar number (optional) was not provided during Merchant enrolment, Merchant has to mandatorily Login through Merchant ID.
  • Step2: To scan from QR code, focus the rear Smartphone Camera over the QR code available on the Aadhaar Card, till Aadhaar Number is pre-populated.
  • Step3: Click on Proceed button. Select your Merchant ID and click on OK button. A new screen will appear to choose “Activation with” option. Choose “OTP” or “Fingerprint” option for activation. Merchant can proceed with any one option.

Payment through Aadhaar:

  • Step 1: After successful login, My Store screen will be displayed. Select the transaction tab on My Store screen.
  • Step 2: Enter the payment amount.
  • Step 3: Click on Proceed button to navigate to New Transaction screen.
  • Step 4: Enter Customer Aadhaar number under the text-box ‘Enter Customer Aadhaar Card Number’. You can also scan the QR code available on customer Aadhaar card to pre-populate the Aadhaar number.
  • Step 5: Enter customer mobile number under ‘Enter Customer Mobile Number’ text-box.
  • Step 6: Select the customer’s Aadhaar seeded bank by clicking on ‘Select Account holding Bank’ drop-down.
  • Step 7: Click on Proceed button, to navigate to Confirm Transaction screen.
  • Step 8: Upon confirming the payment details, click on Proceed button to scan customer fingerprint.
  • Step 9: Click on ‘Agree and Scan’ button to capture finger print of customer. Upon successful finger print authentication of customer, payment success screen will be displayed.
  • Step10: Click on the view receipt to view the payment details.

No. The only requirement for the customer is to have an Aadhaar seeded bank account and his Aadhaar number.

The merchant funds will be credited real time to the merchant account linked at the time of registration after successful completion of the transaction.

The merchant will be delivering the goods purchased to the customer after receiving the payment confirmation i.e. after successful transaction.