CASHLESS

BANEGA INDIA
www.cashlessbanegaindia.com

Digital Payment
The Future of Payments
STEP BY STEP INSTRUCTIONS FOR VARIOUS MODES
OF PAYMENT: Cards, USSD, AEPS, UPI, Wallets a SULABH INTERNATIONAL INITIATIVE

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 contentS

1. introduction : Why this Booklet 03

2. bank cards: Getting a bank card 04

3. Types of cards: Types of cards & usage 05

4. POS: Point of sale (POS) & card steps 06

5. TYPES OF POS: Different Types of POS 07

6. physical pos: Steps to use Physical POS 08

7. installation: Installation of Physical POS Terminal 09

8. mobile pos: Steps for Mobile POS 10

9. v-pos: Advatages of V-POS 11

10. USSd: Unstructured Supplementary Service Data (USSD)-based Mobile Banking 12

11. registration: For USSD Registration 13

12. transfering funds: Transfer Funds to another Bank Account 14

13. aeps: Aadhaar Enabled Payment System (AEPS) 15

14. AEPS Key Steps: Key Steps for AEPS Transaction 16

15. AEPS STEPS: Aadhaar Enabled Payment System Steps 17

16. UPI: Requirements for Registration on UPI (Unified Payments Interface) 18

17. REGISTRATION: Registration on UPI 19

18. SENDING Money: Sending Money with UPI 20

19. COLLECTING Money: Collecting money with UPI 21

20. e-wallets: What are E-wallets? 22

21. must do practices: Some Do’s and Don’ts 23

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SULABH INTERNATIONAL
INTERNATIONAL INITIATIVE cashless banega
INITIATIVE cashless banega bharat
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 INTRODUCTION

WHY THIS BOOKLET

BY Dr. Bindeshwar Pathak
Action Sociologist & Social Reformer, Founder, Sulabh Sanitation Movement
Brand Ambassador, Swachh Rail Mission & Member, National Legal Services Authority (NALSA)

I am dedicating this booklet to the Hon’ble Prime Minister Shri Narendra

Modiji’s innovative idea of cashless initiative. When developed countries
like United Kingdom have a target for being cashless in 2020, our
Prime Minister has initiated this idea in 2016.
I am glad to say that Narendra Modiji’s vision is ahead of time. The
perspicacious vision of our Prime Minister by initiating and propagating this
concept will enhance and enrich the economy and lead the nation on a growth
trajectory which will uplift every citizen in a developed and happy country in
only a few years.
When I started Sulabh in the year 1968, everybody said that it will not happen. But today it is
happening.
Many of us lead busy lives. Some of us are up before the crack of dawn, getting ourselves prepared so
we can in turn get our families ready for the day. We rush to work, rush to get the kids to school, and
at the end of the day we rush home only to brace ourselves for the next day. After a hectic day, the last
thing you want to do is spend time waiting in line at the bank, or even the post office. That’s where
Online Banking comes in.
• There are many online banking advantages.
• Online banking allows you to bypass bank lines.
• You can conduct your banking transactions safely and securely without leaving the comfort of your
home. Plus, you’ll have easy access to your Online Statements.
• You can monitor your transactions and make sure that your balance information is correct.
• Online banking makes it possible for you to pay your bills electronically.
• You can schedule a single payment or you can set up recurring payments.
• You can also see when your payment will arrive.
• Some services offer features like balance alerts.
• These alerts will help you monitor your accounts and avoid fees.
• You can even set up alerts to keep up on account activity.
• Some standard alerts include transaction alerts, and Bill Pay alerts.
Since many new online-only banks are popping up, understanding how to access your accounts online
is an important tool.
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 bank cards

bank cards
Getting a Bank Card

HOW TO ISSUE A CARD ACTIVATE

1 FROM YOUR ACCOUNT 2 YOUR CARD
1. Approach nearest bank branch 1. At your bank’s ATM by even
balance checking
2. Multiple cards from one account
2. At your bank branch by any
3. PIN issued by bank separately transaction

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 types OF CARDS

types of cards & usage

P r e pa i d c a r d s debit cards
1. Pre-loaded from your
1. Linked to your bank account
bank account
2. Used to pay at shops, ATMs, wallets,
2. Safe to use, limited
microATMs, online shopping
amount of transaction

3. Can be recharged like

mobile recharge

why debit card is the perfect new age banking

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 pos

Point of Sale
(POS) & Card steps
BANKS ISSUE VARIOUS CARDS FOR USE YOUR CARD TO SHOP
THEIR aCCOUNT HOLDERS ANYWHERE

Prepaid cards At any POS

Debit cards At ATM

Credit cards Online shopping

PREPAID CARD CAN BE ISSUED BY ANY BANK

FROM ACCOUNT OR CASH (FOLLOWING BENEFITS)

Pre-loaded card

Equivalent to cash

Can be recharged several times

Can be used at any POS, ATM

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 TYPES OF POS

DIFFERENT Types of PoS

PHYSICAL POS
Physical Card Swiping – PTSN
with landline / GPRS enabled

MPOS
Phone connected with external
POS device through jack / Bluetooth

V-POS
Virtual E-payment Gateway

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 Physical PoS

STEPS TO USE Physical PoS

(FOR SENDING MONEY)
swipe a debit/credit card
1 on the pos machine

2 enter amount to be paid

3 generate receipt

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 installation

Installation of Physical
PoS Terminal
Open / identify current Submit following
1 account for transactions 4 documents:
Proof of business (any one)
Shop & establishment
registration certificate
VAT certificate
Sales tax certificate
Proof of address
Photo identity proof of
proprietor / partner
Financial details
Bank statement
Income tax return

Acceptance of MDR by
2 Fill in the application form
(online / at the branch) 5 merchant

3 Identify type of PoS

required (landline / GPRS)
6 Execution of Merchant
Establishment Agreement

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 Mobile PoS

STEPS FOR Mobile PoS

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 v-pos

ADVATAGES OF V-PoS
No PoS machine required

QR code used for payment to bank account of merchant

Complete privacy of merchant bank account

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 USSD

Unstructured Supplementary Service

Data (USSD) based Mobile Banking
N at i o n a l U n i f i e d U SS D P l at f o r m ( N U U P )

1 account in 2 ANY MOBILE PHONE

any bank ON GSM NETWORK

Can be
used for
payments
upto Rs
5,000 per
day per
customer

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 Registration

FOR USSD
Registration

1 Visit your branch to link

mobile number and bank
account

2 user experience; no need for

separate MMID; You will get
your Mobile Money Identifier
(MMID) and Mobile PIN (MPIN)
upon registration; Can be
done at ATM or online also
New changes being brought
to simplify user experience;
no need for separate MMID

3 Remember your MMID and MPIN

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 transfering funds

Transfer Funds to
another Bank Account
Enter Your Option
Welcome to 1. Balance Enquiry
NUUP Enter 3 2. Mini Statement
Dial *99# Letters of your 3. Fund Transfer-MMID Enter
from your bank’s short name 4. Fund Transfer-A/c No. Beneficiary
phone or first 4 letters of 5. Fund Transfer-Aadhar Mobile No.
your bank’s IFSC 6. Know MMID
7. Change M-PIN
8. Generate OTP

Want to transfer
Your a/c No. Rs 500 to beneficiary Enter amount &
xxxx4567 is debited with Mobile 9911330092 remarks (optional)
for Rs. 500.00 on 16- and MMID 9002567 separated with Single Enter
02-2014 and a/c linked For rent (Enter Your space Beneficiary
to mobile 9911330092 M-Pin) (Last 4-Digits MMID
credited (IMPS Ref of account number AS (Amount)
No. 212233445555) separated with single (Remarks)
space)

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 AEPS

Aadhaar Enabled
Payment System
(AEPS)
AEPS allows bank-to-bank
transaction at PoS, MicroATM
(With biometric facility) with the
help of Banking correspondent
OR customer support point

Aadhar enabled Services

Balance Enquiry

Cash Withdrawal

Cash Deposit

Aadhaar to Aadhaar Funds Transfer

Only Aadhar needed

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 AEPS KEY steps

Key Steps for AEPS

Transaction
GO TO A PROVIDE CHOOSE
MICROATM YOUR BANK WHICH
OR BANKING NAME AND TRANSACTION
CORRESPONDENT AADHAAR TO DO

ON
SUCCESSFUL PROVIDE
PROCESS
TRANSACTION, FINGERPRINT
COMPLETED
TAKE THE ON SCANNER
PRINT SLIP

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 AEPS STEPS

Aadhaar Enabled
Payment System Steps
Seed your account with your
Aadhar number at bank or with
the help of banking
correspondent

You can do

Account balance

Aadhar to Aadhar fund transfer

Cash withdrawal

Cash deposit

Purchase at Fair Price Shops with AEPS

Now you can do many

transactions at any AEPS point
without any pin or password
(AEPS points – Micro ATMs)

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 UPI

Requirements for
registration on UPI
(Unified
Paym e n t s
i n t e r fa c e )

REQUIREMENTS AVAILABLE APPS

Smartphone with internet facility SBI app, PNB UPI, UPI Collect
(ICICI), Axis Pay, Canara Bank
Bank Account details UPI, UCO UPI, Union Bank UPI,
(only for registration) OBC UPI and other leading banks

UPI Registration Process

CHOOSE
YOUR UNIQUE
DOWNLOAD ID (BANK AC NO., IFSC
ANY BANK’S CODE, AADHAR, select
APP OR 3RD MOBILE NO.) AS VIRTUAL our bank
PARTY APP PAYMENT
ADDRESS (VPA)

SET M-PIN GIVE

registration FOR ACCOUNT
COMPLETED VALIDATING DETAILS FOR
TRANSACTIONS FIRST TIME

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 REGISTRATION

registration on UPI
(SCREENSHOTS)

Screenshot taken from http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/

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 SENDING money

Sending Money with UPI

(SCREENSHOTS)

Screenshot taken from http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/

Sending Money on UPI

ENTER
CHOOSE PAYEE’S
enter
“SEND VIRTUAL
amount
MONEY” PAYMENT
ADDRESS

write
confirm
PRESS “SEND” remarks for
the details
transactions

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 collecting money

collecting Money WITH UPI

(SCREENSHOTS)

Screenshot taken from http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/

Collecting Money (raise a demand) on UPI

ENTER
CHOOSE PAYER’S
enter
“COLLECT VIRTUAL
amount
MONEY” PAYMENT
ADDRESS

WRITE
enter when
REMARKS
HIT “CONFIRM” do you want
FOR
to collect
TRANSACTION

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 E-WALLETS

What are e-wallets?

Electronic pre-paid payment system, mobile-first

PROTECTED WITH A PASSWORD

OPTIONS FOR ASK MONEY TOO

Used in purchasing items, MAKING PAYMENTS FOR GROCERIES, BILLS,

BOOK TICKETS online with a computer or a smartphone at a store

An individual’s BANK account MaY BE required to link to the

digital wallet to load money in it

Most banks have their e-wallets and some private companies TOO

using wallets
*Consumer Wallet Limits: Rs.20,000/month for all. Rs.1 lakh/month with KYC

load money
consumer start using
sign-up using credit
downloads wallet
using card or
the app in to make
mobile debit card
smartphone payments
or internet
banking

*Merchant Wallet Limits: Rs.50,000/month with Self Declaration. Rs.1 lakh/month with KYC

SHOPKEEPER SELF
/ SERVICE sign-up DECLARE START
PROVIDER using ITSELF ACCEPTING
DOWNLOADS mobile AS A PAYMENT
THE APP MERCHANT

Basic Requirements to Start Using a Wallet:

Bank Account, Smartphone, 2G/3G/4g Connection & AN E-Wallet App
* SoME BANKS HAVE HIGH LIMITs

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 Must Do Practices

SOME DO’S AND DON’TS

Register your mobile number at bank for regular information

by SMS for every transaction

Never share your PIN with anyone

Transact at only trusted SITES/merchants’

While at ATM, ensure no one is looking over your shoulders

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 www.xtremeonline.in # 9311156526

a SULABH INTERNATIONAL INITIATIVE

Sulabh Gram, Mahavir Enclave,
Palam-Dabri Road, New Delhi - 110045 (India)
Phone: +91-11-25031518-9, Email: sulabhinfo@gmail.com/info@sulabhinternational.org
www.cashlessbanegaindia.com / www.sulabhinternational.org