What Is Bharat Qr Code App How to Download and Use

Bharat QR Code is India’s new digital payment system. Bharat QR Code is going to make PoS terminals and card swipe machines redundant. In this post, we are going to share how it works and everything else you want to know about Bharat QR Code.

What is Bharat QR Code App and From Where TO Download. 

The government of India has been making a big push for digital payments since demonetization of old currency notes. In a move to promote Digital payment system and encourage cashless transactions, the government of India has introduced Unified Payments Interface (UPI) for smartphones, and Unstructured Supplementary Service Data (USSD) based mobile banking for basic and feature phones. The government has also introduced Bharat Interface for Money (BHIM) app, which is a unified UPI app, and Aadhaar Pay that enables you to make cashless money using Aadhaar card and your fingerprint for biometric authentication. Now, to further ease the payments process, the government has introduced Bharat QR Code for cashless electronics transactions.

Over the past few months after the move of demonetization, a lot of people have moved on from making cash based transactions to cashless transactions using various mode of payments like credit and debit cards. However, this mode of electronic payment for cashless transactions has strings attached regarding transaction fees and the cost of owning and running the card swipe machines.

With Bharat QR Code, the government has taken yet another step to promote digital payments by simplifying things for merchants and also for the consumers. Let’s dive in a little deeper to understand what is Bharat QR Code all about, how it works and what are the benefits.

A look at current QR Code-based payments

The QR code-based payments are accepted by most merchants across India, but they are largely closed systems. Visa is a pioneer in QR Code payments, and it has already launched mVisa in India a year-and-a-half ago. Last year, DTH operator TataSky had partnered with Visa to allow and accept QR code-based payments from its subscribers. In fact, mVisa is the widely accepted payment option across the globe. Continue reading “What Is Bharat Qr Code App How to Download and Use”

Bhim App Download Review User Experience

Download  Bhim App from here Experience and Review of bhim app after two days of use.

Today’s government and today’s generation think every thing runs on app by sitting at home. Things didn’t work and change like that only. We the people of India read Sawach Bahart every where, talk about it but always throw garbage on the roads. If we were so intelligent then Government need not to hire celebrities to teach nation where to shit.

BHIM App has multiple issues of security and bugs. (BHIM app is full of bugs; lacks support for most Indian languages)
BHIM App cant link with multiple Bank accounts.
Registration through BHIM App is not free. It will took 1.5 INR on each attempt and need minimum 10 Rs as balance. As it alsways shows error  like Error fetching bank account, device binding error.
Also It has been named after a great personality Bhim Rao Ambedkar. This will help the poor people to make online transaction just via their fingerprint. With the following points from an artice, it will be easy for a person to realise it essence: – At a Digi Dhan programme in New Delhi on Friday, Prime Minister Narendra Modi launched mobile payment app BHIM (Bharat Interface for Money).

The BHIM app is currently available on Play Store and is barely 2MB large app. So, it downloads very easily. TIP- Don’t search “BHIM” in Play Store. It will show Chhota Bheem games. Instead, search for “BHIM UPI”.
The UI of this app is very clean. It just asks for your mobile number with which your bank account is linked and done, your account is now connected with the BHIM app.
Further, it will ask you to set up a 4-digit unique pin called as “UPI PIN
After you are done with setting up the UPI PIN, your account is ready for transactions and you are allotted a payment address. You can use this payment address for receiving money OR you can also receive money by just giving your mobile number to the sender.
Now, the main page will have three options: Send, Request and Scan&Pay. For security purposes, you need to enter your UPI PIN every time you open the app. Continue reading “Bhim App Download Review User Experience”

Download Allahabad UPI App For Android

Allahabad Bank presents its own Unified Payments Interface (UPI) application which simplifies electronic payment. The Allahabad Bank  UPI facilitates real time sending and receiving money on 24X7 basis. The UPI Application allows customer to transfer money to a beneficiary instantly, without knowing their bank account number or IFSC code using Virtual Payment Address (VPA).
Features of Allahabad UPI App.

• Instant settlement of Funds.
• No need to remember or share account details.
• Send and Receive Money using Virtual address, Aadhaar Number,
Account No + IFSC, Mobile number + MMID.
• Collect Money from others.
• Add multiple Bank Accounts in the application.
• 24*7 Fund Transfer

Review Of Allahabad  UPI App.

   Option to Generate/Scan QR Code.
• No need to type Virtual Payment Address (VPA) of the beneficiary. Just Pay by Scanning QR Code of the beneficiary.
• Share your QR code generated through ALB UPI App. to the sender and they can send you money without requiring any other details.

UPI and *99# USSD Based Banking Service Combined New Interface

Note that UPI technology is still undergoing several changes, so what is written below may require changes over the next few weeks. I have written about what has worked for me so far. Please chip in with your experiences. Know more about upi and *99# ussd  based banking service in this post.

What is UPI?

UPI stands for the “Unified Payments Interface“. It provides access to several banking services, such as account queries, money remittances and merchant payments through a single interface (such as a mobile phone). Payments happen using the Immediate Payment Services (IMPS) interface for 24 by 7 instant payments. It works with bank accounts of UPI enabled banks.

How do I use UPI?

If you have a smartphone with internet access, my recommendation would be to download an appropriate UPI app and follow the instructions there. NPCI’s BHIM app also works for this. If you don’t have access to a smartphone or data, you can follow the steps below to still use UPI for making and receiving payments.

Registering for UPI using *99#

You can register bank accounts for which you have the mobile number linked. At one time, you can link one account, though you can change the account using the profile option, as you can discover.

Dial *99#.


Select your preferred language. For example, for English, dial 1 and send.
Type in the first three letters of your bank name or short code.
If you have multiple accounts, choose the one you wish to use as the default UPI interface.
You should receive the message “Congrats. You can now receive money to your mobile number”.
Receiving money:

You can give payers just your phone number and the money will go to your bank account using IMPS. If they are using an old style UPI application, then you can ask them to use the virtual payment address “mobilenumber@upi”. For example, if the mobile number is 1234567890, the VPA is “1234567890@upi”. You can also create a new payment address using a UPI app or using the “Manage Profile” menu option in *99#.

Setting MPIN for allowing sending money

Note: If you have already set an MPIN using a UPI app for this account, you can skip this step. In addition, if you are comfortable using a UPI app on your smartphone, you don’t need this.

Assuming that you have a valid debit card linked to your account:

Dial *99#
Choose the “UPI PIN” option (number 7 as of writing this).
Enter the last six digits of the debit card number followed by the expiry. For example, if the last six digits of your card number are 123456 and it expires in June 2017, you should enter “123456 0617”.
Follow the instructions and set a new MPIN.
Sending money

Using *99#:

Dial *99# then 1 for “Send money” and choose from the multitude of options, including:

Mobile number (assuming the recipient has completed the above registration step)

Payment address: any UPI address, such as sbiusername@sbi.

Saved beneficiary: you can add beneficiary by using the “Manage Profile” option. An option is also given to add the beneficiary if you send money to him/her once.

IFSC code and account number.

MMID and mobile number.

From an app:

If the recipient gives you a UPI VPA, just enter that and send money.
If they have UPI registered as per “Registering for UPI using *99#” then send money using VPA <mobilenumber>@upi.
If they have don’t have UPI registered but have MMID, send money using 91<10digit mobile number>@<MMID>.mmid.ncpi using any UPI app (if that is what you want).
Or, just use the IFSC + account number pair.
How much does this cost and what are the limits?

A: Currently, IMPS costs Rs. 5 plus service tax per transaction. However, vide this RBI circular, charges for all transactions for amounts upto Rs. 1000 have been waived till March 31st, 2017. The limits on the transactions through each mode are given here.

Every usage of *99# also incurs a charge, but is free as of writing this. TRAI has capped the rate at Rs. 1.50 per session.

If you have any further questions, feel free to Comment them below. Since this is still developing, things may be changing, so I’ll try to keep Updating of them.

Lists Of UPI Enabled Banks in India with Best security

Lists Of UPI Enabled Banks in India with Best Security: As RBI have asked each and every bank in India to be UPI enabled Banks. As UPI will be the future of cashless payments in India. In this post we are going to share list of upi enabled banks As we have already shared about Unified Payment Interface (UPI), It is a system that powers multiple bank accounts into a single mobile application (of any participating bank), like chillr which is for bank of India, merging several banking features, like unlimited fund transfer from one bank to another bank and payments of various merchants into one single platform.

UPI enabled banks
list of upi enabled banks

As of 30th December 2016, following banks are UPI enabled Banks. Lists are below. Continue reading “Lists Of UPI Enabled Banks in India with Best security”

What is Unified Payment Interface

Unified Payment Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), like chillr which is for bank of india, merging several banking features, like unlimited fund transfer from one bank to another bank and payments of various merchants into one single platform. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

With the above context in mind, NPCI conducted a pilot launch with 21 member banks. The pilot launch was on 11th April 2016 by Dr. Raghuram G Rajan, Governor, RBI at Mumbai. Banks have started to upload their UPI enabled Apps on Google Play store from 25th August, 2016 onward.

  Registration process in Unified Payment Interface enabled application.

First User have to downloads the UPI application from the google play storeThen have to create his profile by entering basic information like name, date of birth, virtual id. Then after have to add bank account number which generally will be fetched by the upi app through existing MMID. After adding bank account detials User have to select the bank account from which he wants to inititate the transaction. User will recieve then OTP from the bank to his registered mobile numbe

                             What Is Upi   

r. after that one have to enter last six digit of the debit card number and expiry date and then after by entering MPIN transactions take place.
Meanshile you can change the existing MPIN to new MPIN for secuirty purposes. By UPI App we can also request money for payment.

How Unified Payment Interface system  In Unique

Immediate money transfer through mobile device round the clock 24*7 and 365 days. Single mobile application for accessing different bank accounts, Single Click 2 Factor Authentication – Aligned with the Regulatory guidelines, yet provides for a very strong feature of seamless single click payment. Virtual address of the customer for Pull & Push provides for incremental security with the customer not required to enter the details such as Card no, Account number; IFSC etc. Bill Sharing with friends. Best answer to Cash on Delivery hassle, running to an ATM or rendering exact amount. Merchant Payment with Single Application or In-App Payments. Scheduling PUSH and PULL Payments for various purposes. Utility Bill Payments, Over the Counter Payments, Barcode (Scan and Pay) based payments. Donations, Collections, Disbursements Scalable. Continue reading “What is Unified Payment Interface”

How To Download Sbi UPI Bank App

SBI PAY the UPI App of SBI.

After yes bank Upi App and Hdfc upi app sbi has also came with its sbi pay and trust me its better than any other upi app available in the maket by any other bank. the pay and collect process is sbi pay is much eassier and better than any other upi app of other banks. Sbi has kept the name of its app little confusing they sholud have kept description in the n

sbi pay

ame title UPI  either as a prefix or suffix. if you will search on google then you will not get sbi upi app.

As we all know UPI is short form of unified payment interface and it can be integrated on any banking app even the one who has not smartphone and internet connection they can also use upi for fund transfer.

 
UPI was launched by rbi npci and all banks in pune during gyan sangam meet and it was headed by our prime minister and ex rbi governor raghu ram rajan. SBI is very late in the list to came with its own upi app. firstly they avoided the upi app but now as we know this is the future of payment system in india so some what sbi came with its app sbi pay finally. Continue reading “How To Download Sbi UPI Bank App”

How Does Chillr App Works

Chillr is a smartphone application that allows immediate transfer of money to friends in your phone book in an easy & secure manner. Go Cash Less, install and use Chillr on your Mobile.
Chillr has partnered with several nationalised public sector banks along with private sector banks. Chillr works on UPI Platform and its one of the most secured android app avalible in the google play store.
In this post we are going to share how it works with taking eg. og bank of india. As recently bank of india has partenered with chillr app.
Functions of Chillr Application 
     SEND: Instant Fund Transfer between Bank Account (present limit Rs.5000/- per day)
     Collect: Request money from relatives/friends or customers
Scan and Pay: Pay at nearby Store, a web site or even a friend
     Recharge: Pay Bills, top up your mobile , DTH and More
History: Check out your transaction logs and status
     Invite: Spread your love for Chillr and go cashless

Continue reading “How Does Chillr App Works”