BHIM App Download & How to Use the UPI Payment App

BHIM (Bharat Interface for Money) is a UPI based payment app built by the National Payments Corporation of India (NPCI) for fast and secure cashless transactions. The app was launched by the Indian government on 30th December 2016 and is available to download from Google Play Store and the Apple App Store. BHIM lets users send and receive money instantly using just a mobile number or UPI ID, without sharing bank details.

BHIM is a UPI enabled payment app that makes safe, easy and instant digital payments possible through a mobile phone. Anyone with a bank account, a registered mobile number and a debit card can use the app. The app works round the clock and supports 20 languages, including Hindi, English, Marathi, Tamil, Telugu, Bengali and more.

BHIM App Download

BHIM app can be downloaded by visiting the Google Play Store at play.google.com or by opening the Play Store app on an Android smartphone and searching for BHIM. The app is also available on the Apple App Store for iPhone users. The direct download link is given below.

Download BHIM App - https://play.google.com/store/apps/details?id=in.org.npci.upiapp

How to Use BHIM App - Requirements

Before registering on the app, make sure the following points are in place. These are the basic requirements to use BHIM smoothly.

• Your mobile number must be linked with your bank account and the same number should be used for accessing BHIM.
• Your phone should have an active SIM linked to your bank account.
• In case of a Dual SIM phone, make sure you select the SIM card linked to your bank account.
• You need a valid Debit Card for your bank account. This is required to generate the UPI PIN.

BHIM UPI Partners Supported Banks List

BHIM app supports UPI based payments, so only the banks which support UPI are available in the app for transactions. To use the app, users just need to set up a 4 digit PIN by verifying their phone number which is registered with their bank. Below is the list of BHIM UPI partner banks:-

Sr. No.	Live Banks	Live on BHIM	Live on BillPay
1	A.P.MAHESH CO-OP URBAN BANK LTD	✓
2	Abhyudaya Co-op Bank Ltd	✓
3	Adarsh Cooperative Bank Ltd	✓
4	AHMEDNAGAR MERCHANTS CO OP BANK LTD	✓
5	Airtel Payments Bank	✓
6	Allahabad Bank	✓	✓
7	Andhra Bank	✓	✓
8	Andhra Pradesh Grameena Vikas Bank	✓
9	Andhra Pragathi Grameena Bank	✓
10	Apna Sahakari Bank	✓
11	Assam Gramin VIkash Bank	✓
12	AU Small Finance Bank	✓
13	Axis Bank	✓	✓
14	Bandhan Bank	✓
15	Bank Of Baroda	✓	✓
16	Bank Of India	✓	✓
17	Bank of Maharashtra	✓
18	Baroda Gujarat Gramin Bank	✓
19	Baroda Rajasthan Kshetriya Gramin Bank	✓
20	Baroda Uttar Pradesh Gramin Bank	✓
21	Bassein Catholic Coop Bank	✓
22	Bharat Co-op Bank(mumbai)	✓
23	Bhilwara Urban Co-operative Bank Ltd	✓
24	Canara Bank	✓	✓
25	Capital small finance bank	✓
26	Catholic Syrian Bank	✓	✓
27	Central  Bank of india	✓	✓
28	Chaitanya Godavari Grameena Bank	✓
29	Chhattisgarh Rajya Gramin Bank	✓
30	Citibank Retail	✓
31	CITIZENS CO-OPERATIVE BANK LTD	✓
32	City Union Bank	✓	✓
33	Coastal Local Area Bank Ltd	✓
34	Corporation Bank	✓	✓
35	DBS Digi Bank	✓
36	DCB Bank	✓
37	Dena Bank	✓
38	Dena Gujarat Gramin Bank	✓
39	Dhanlaxmi Bank	✓
40	Dombivali Nagrik Sahakari Bank	✓	✓
41	Equitas Small Finance Bank	✓
42	ESAF Small Finance Bank	✓
43	Federal Bank	✓	✓
44	Fincare Small Finance Bank	✓
45	FINO Payments Bank	✓
46	G P Parsik Bank	✓	✓
47	HDFC	✓	✓
48	Himachal Pradesh Gramin Bank	✓
49	HSBC	✓
50	Hutatma Co Op Bank Ltd	✓
51	ICICI Bank	✓	✓
52	IDBI Bank	✓	✓
53	IDFC	✓
54	India Post Payments Bank	✓
55	Indian Bank	✓
56	Indian Overseas Bank	✓	✓
57	IndusInd Bank	✓	✓
58	Jalgaon Janata Sahkari Bank	✓
59	JALNA MERCHANTS CO-OP BANK LTD.	✓
60	Jammu & Kashmir Bank	✓
61	Jammu & Kashmir Grameen Bank	✓
62	Jana Small Finance Bank	✓
63	JANAKALYAN S. BANK	✓
64	Janaseva Sahakari Bank LTD.,Hadapsar,Pune	✓
65	Janta Sahakari Bank Pune	✓	✓
66	Jharkhand Rajya Gramin Bank	✓
67	Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	✓
68	Kalupur Commercial Bank	✓
69	Karnataka Bank	✓
70	Karnataka vikas Gramin Bank	✓
71	Karur Vysaya Bank	✓
72	Kerala Gramin Bank	✓
73	KOKAN MERCANTILE CO OP. BANK LTD.	✓
74	Kotak Mahindra Bank	✓	✓
75	KRISHNA BHIMA SAMRUDDHI LOCAL AREA  BANK	✓
76	Maharashtra Grameen Bank	✓
77	Maharashtra State Co-op Bank	✓
78	Manipur Rural Bank	✓
79	Manvi Pattana Souharda Sahakari Bank	✓
80	Maratha Co-op Bank	✓
81	Meghalaya Rural Bank	✓
82	Mizoram Rural Bank	✓
83	Nagrik Sahakari Bank Maryadhit Vidisha	✓
84	Nainital Bank	✓
85	NKGSB CO-Op. Bank Ltd.	✓
86	NSDL Payments Bank Limited	✓
87	Nutan Nagrik Sahakari Bank	✓
88	Oriental Bank of Commerce	✓	✓
89	Paschim Banga Gramin Bank	✓
90	Patan Nagrik Sahakari Bank	✓
91	Paytm Payments Bank	✓
92	Pragathi Krishna Gramin Bank	✓
93	Prathama Bank	✓
94	Prime Co-Operative Bank Ltd.	✓
95	PRIYADARSHANI NAGARI SAHAKARI BANK LTD JALNA	✓
96	Pune Cantonment	✓
97	Punjab and Maharastra Co. bank	✓	✓
98	Punjab and Sind Bank	✓	✓
99	Punjab Gramin Bank	✓
100	Punjab National Bank	✓	✓
101	Purvanchal Bank	✓
102	Rajasthan Marudhara Gramin Bank	✓
103	Rajkot Nagari Sahakari Bank Ltd	✓
104	Samarth Sahakari Bank Ltd.,Solapur	✓
105	Samruddhi Co-op bank ltd	✓
106	Saraswat Cooperative Bank Limited	✓	✓
107	Sarva Haryana Gramin Bank	✓
108	SARVODAYA COMMERCIAL CO OP BANK	✓
109	Saurashtra Gramin Bank	✓
110	Shree Dharati Bank	✓
111	Shree Kadi Nagrik Sahakari Bank	✓
112	Shri Rajkot District Cooperative Bank	✓
113	Sindhudurg DCC Bank	✓
114	South Indian Bank	✓	✓
115	Standard Chartered	✓	✓
116	State Bank Of India	✓	✓
117	Sterling Bank	✓
118	Suco Souharda Sahakari Bank Ltd	✓
119	Surat Peoples Cooperative Bank	✓
120	Suryoday Small Finance Bank Ltd	✓
121	Suvarnayug Sahakari Bank	✓
122	Syndicate Bank	✓	✓
123	Tamilnad Mercantile Bank	✓
124	Telangana Gramin Bank	✓
125	Telangana State Co-op Apex Bank Ltd	✓
126	Thane Bharat Sahakari Bank	✓
127	The Adarsh Co-operative Urban Bank Ltd.	✓
128	The Ahmedabad District Coop bank	✓
129	The Ahmedabad Mercantile Coop bank	✓
130	The Anand Mercantile Cooperative Bank Ltd.	✓
131	The Andhra Pradesh State Cooperative Bank Ltd.	✓
132	THE BANASKANTHA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.	✓
133	The Baroda Central Co-op Bank Ltd	✓
134	THE GAYATRI COOPERATIVE URBAN BANK LTD	✓
135	The Gujarat State Co-operative Bank Limited	✓
136	The Hasti Co-operative Bank Ltd	✓
137	The Kaira District Cooperative Bank	✓
138	The Kalyan Janta Sahkari Bank	✓
139	The Kanakamahalakshmi Co-operative Bank Ltd	✓
140	The Lakshmi Vilas Bank Limited	✓	✓
141	The Mahanagar Co-Op. Bank Ltd	✓
142	The Malad Sahakari Bank	✓
143	The Mehsana Urban Co-Operative Bank	✓
144	The Ratnakar Bank Limited	✓
145	The Sabarkantha District Cooperative Bank	✓
146	The Saraswat Co-Operative Bank	✓
147	The Satara District Central Co-OP Bank Ltd.,Satara	✓
148	The Surat District Co Op Bank Ltd.	✓
149	The Sutex Co Op Bank	✓
150	The SVC Co-Operative Bank Ltd	✓
151	The Thane Janta Sahakari Bank Ltd(TJSB)	✓
152	The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.	✓
153	The Udaipur Mahila Urban Co-operative Bank Ltd.	✓
154	The Urban Cooperative Bank Ltd Dharangaon	✓
155	The Varanchha Co Op Bank Ltd	✓
156	The Vijay Co-operative Bank Ltd, Ahmedabad	✓
157	THE VISAKHAPATNAM COOPERATIVE BANK LTD	✓
158	The Vishweshwar Sahakari Bank Ltd	✓
159	The  Cosmos Co-Operative Bank LTD	✓
160	TJSB Sahakari Bank	✓	✓
161	Tripura Gramin Bank	✓
162	UCO Bank	✓	✓
163	Udaipur Urban Cooperative Bank.	✓
164	Ujjivan Small Finance Bank Limited	✓
165	Union Bank of India	✓
166	United Bank of India	✓	✓
167	Uttarakhand Gramin Bank	✓
168	Vasai Vikas Co-op Bank Ltd	✓
169	Vijaya Bank	✓
170	YES Bank	✓	✓

BHIM UPI partner banks list can be checked using the link - https://www.bhimupi.org.in/our-partners. Money can also be sent to non UPI enabled banks using the IFSC code or MMID.

More about BHIM

Transaction limit is Rs. 40,000 per transaction and per day. Please note that your bank's transaction limit may vary from BHIM's limit. New users can transact up to Rs. 5,000 for the first 24 hours after registration.

BHIM app is compatible with Android 5.0 and above and iOS 9.0 and above. The app is available in 20 languages.

Terms & Conditions:- https://www.bhimupi.org.in/terms-conditions

For more information, visit https://www.bhimupi.org.in/

Stop. Think. Act. You will never be asked for a PIN to receive money. Use UPI PIN only if you want to pay or check account balance. Enjoy your BHIM app safely.

BHIM App - Highlights

• You can collect money by sending a request and reverse payments if required.
• You can check your bank balance and transaction details on the go.
• You can create a custom payment address in addition to your phone number.
• You can scan a QR code for faster entry of payment addresses. Merchants can easily print their QR code for display.
• Maximum of Rs. 40,000 per transaction and Rs. 40,000 within 24 hours.
• BHIM app supports 20 languages including Hindi, English, Marathi, Tamil, Telugu, Bengali and more.

For more information about the UPI app, visit https://upi.npci.org.in/static/faq/en_US/

Fingerprint will work as the security password to authenticate every transaction using the app.

Earlier Updates on BHIM UPI App

Here are the earlier updates on BHIM App and the language of writing is as of the update date.

20% Cashback on GST Payment through Rupay, BHIM App, USSD, Digital Means (Update As on 5 August 2018)

To promote transactions through digital means, GST Council approved providing 20% cashback on GST payment. Any person filing GST through Rupay Debit Card, BHIM App and USSD modes was incentivized and could get cashback up to Rs. 100. This decision to give a discount on cashless transactions was taken in the GST Council meeting held on 4 August 2018.

This 20% GST cashback scheme promoted cashless transactions through Debit Card and UPI in rural and urban areas. This incentivising of digital payments helped in maintaining a better database by the govt. and tracking footprints of various taxpayers.

Sh. Piyush Goyal, Minister of Finance, Central government made this announcement after the meeting of GST Council to promote cashless transactions.

Features of 20% Cashback on GST Payment by Digital Means (Rupay, BHIM App)

The important features and highlights of the 20% GST cashback scheme were as follows:-

• Govt. provided 20% discount on making GST payment through Rupay Card, BHIM App & USSD transactions.
• This discount was given in the form of cashback to incentivise customers.
• The maximum discount a person could avail on making payment through digital means was Rs. 100.
• GST Council focused on making "Cashless India" and provided 20% cashback on GST on every transaction through digital means.
• Govt. launched this pilot project in only those states which were willing to join under this 20% GST cashback scheme.
• To implement this scheme in states, GSTN (IT backbone of GST Network) and National Payments Corporation of India launched a new software.
• In the near future, govt. could decide to implement this 20% GST cashback scheme in all states across the country.
• In the GST Council meeting on 4th August 2018, Delhi, Punjab, West Bengal and Kerala state govt. were against this scheme. So initially, only the pilot project was launched.

GST Council called the finance ministers of various states to give their opinions on promotion of Micro, Small and Medium Enterprises (MSME). The GST Council also set up a six-member panel of ministers under Minister of State for Finance Shiv Pratap Shukla to look into the issues of the MSME sector.

The GST Council on 4th Aug 2018 approved GoM recommendations to incentivize digital payments through Rupay card and BHIM app by way of cashbacks. After implementation, customers making payments using Rupay card or BHIM UPI got a cashback of 20 per cent of the total GST amount, subject to a maximum of Rs 100. The next meeting of GST Council was held on 28th and 29th September 2018.

Claim BHIM App Cashback Scheme up to Rs. 1000 for both Customer and Merchant (Update As on 16 April 2018)

Central govt. launched the BHIM App cashback scheme on the birth anniversary of Dr. Bhimrao Ambedkar. This offer provided cashback up to Rs. 750 for customers and Rs. 1000 for merchants. Under this BHIM scheme, the first successful transaction provided Rs. 51 as cashback while other transactions brought more cashback up to Rs. 750 to customers. Moreover, merchants could get cashback up to Rs. 1,000 per month. Interested candidates could claim cashback and for more details, visit bhimupi.org.in/bhim-scheme.

BHIM App completed one year on 14 April 2018 and this cashback offer was launched on its anniversary. For cashback of Rs. 51 on the first transaction, there was no minimum limit. So, any person could avail this cashback even on a transaction of Rs. 1.

National Payments Corporation of India runs this Bharat Interface for Money. This app is available at the Playstore and can easily be downloaded. To run this app, people must have their bank account linked with their mobile number.

Claim Cashback for Customers - BHIM App Cashback Scheme

All customers were entitled to avail cashback up to Rs. 750. In order to claim the cashback offer, candidates needed to follow the steps below:-

• Cashback On Joining (Rs. 51) - Customers got Rs. 51 as cashback after successful completion of their first transaction of sending money to any other user. This included the following steps:-
  • Firstly download the BHIM App from Play Store.
  • Make registration using the mobile number registered with the bank account.
  • Finally send Rs. 1 or more in a transaction to earn a cashback of Rs. 51.

• Cashback on Unique Transactions (Max. Cashback is Rs. 500) - For every unique transaction with minimum value of Rs. 100 through VPA / UPI ID / Account Number / Mobile Number, customers got cashback of Rs. 25. The maximum cashback any customer could earn was Rs. 500 in a single month.
• Earned Cashback for Transactions with Minimum Value of Rs. 10 (Max. Cashback is Rs. 250) - For all transactions having a min. value of Rs. 10, cashback could be earned depending on the number of transactions in a month as follows:-
  • If the number of transactions was between 25 to 50, then BHIM app customers got an incentive of Rs. 100.
  • For the number of transactions between 50 to 100, customers of the BHIM scheme got Rs. 200 as cashback.
  • If the number of transactions was more than 100, then customers got Rs. 250 as cashback.

Thus the cashback on joining for new users was Rs. 51. Moreover, there was more cashback on more transactions and a customer could earn cashback worth Rs. 750 in a single month.

Claim Cashback For Merchants - BHIM App Cashback Scheme

All merchants could avail cashback worth Rs. 1000 in a month. To claim the cashback offer, candidates needed to follow the steps given below:-

• Cashback for BHIM App Users - All the BHIM app users who had downloaded the BHIM app and declared themselves as "I am a Merchant" could claim cashback as follows:-
  • All the merchants of BHIM app who were receiving payments via BHIM / BHIM UPI app got a cashback of 10% of transaction value. Maximum cashback limit was Rs. 50 per transaction.
  • For this cashback, the minimum number of credit transactions had to be more than 10.
  • Moreover, the value of each transaction had to be equal to or greater than Rs. 25.

• Any Other BHIM UPI App User - Any bank merchant who was not a BHIM app user but was receiving payments through BHIM / BHIM UPI app also got cashback as follows:-
  • Any user receiving payments through BHIM UPI app got cashback of 10% of the transaction value with maximum limit of Rs. 50.
  • For this cashback for merchants, the number of transactions had to be equal to or greater than 5 and the minimum transaction value had to be greater than Rs. 25.

• For this, all the customers and merchants needed to have a bank account to get payment.

BHIM also had options to transfer via IFSC, MMID as well for non-UPI banks. This was a major step towards the "Digital India" scheme. For more details, visit the official website bhimupi.org.in/bhim-scheme.

BHIM Referral Bonus Scheme & Cashback Scheme - Complete Details (Update As on 14 April 2017)

Prime Minister Narendra Modi launched BHIM - Aadhaar, a new merchant app for accepting payments from customers using their Aadhaar identity. Along with this, the PM also launched two schemes named as "BHIM Referral Bonus Scheme" and "BHIM Cashback" schemes for consumers and merchants respectively.

The BHIM referral bonus and cashback schemes were launched by Narendra Modi to push the use of BHIM app and hence digital payments. The schemes were launched from Nagpur for all the BHIM app users. The government set a budget outlay of Rs. 495 Crore for 6 months for the implementation of the schemes.

BHIM Referral Bonus Scheme

Under the BHIM referral bonus scheme, the government provided cash bonus to both existing and new BHIM app users for referring the BHIM app to new users. The cash bonus was directly credited into their accounts. For every successful referral, Rs. 10 was credited into the bank account of the beneficiary referrer. If you helped at least 3 people install and understand the BHIM app then you got Rs 10 from govt.

The new users who adopted BHIM also got a cash bonus credited directly into their account.

BHIM Cashback Scheme for Merchants

Under the BHIM cashback scheme for merchants, the merchants got a cashback on every transaction using BHIM (Bharat Interface for Money). Those who installed the BHIM app for business transactions got Rs 25 in their bank accounts.

Through the BHIM referral bonus and cashback scheme, the government aimed to give a boost to the use of the BHIM app leading to the increased use of digital mode of payments. The scheme overall helped in providing greater push to making India a cashless (rather less-cash) economy.

Both schemes were to be administered by MEITY and implemented by NPCI. New schemes were to run until 14 October.

Narendra Modi also announced the winners of Mega Draw of Lucky Grahak Yojana and Digi Dhan Vyapar Yojana during the event organized in Nagpur.

BHIM Aadhaar - Aadhaar Payment App for Merchants (Update As on 13 April 2017)

BHIM Aadhaar - a new payment app for merchants was launched by Prime Minister Narendra Modi. BHIM Aadhaar, the much awaited app, was made available to download from Google Play Store and could be used by merchants to accept digital payments. BHIM Aadhaar app is basically the merchant interface of the BHIM (Bharat Interface for Money) app.

BHIM Aadhaar Pay App - Introduction

BHIM Aadhaar Pay app enabled merchants to accept digital payments from their customers without the need of any PoS machine or e-wallet. The BHIM Aadhaar Pay app authorized the payments from customers using their fingerprint. The amount to be paid to the merchant was directly transferred from the saving bank account of the customer to the current/saving account of the merchant.

BHIM Aadhaar Pay app was expected to change the whole payment system in India. To make payments using the BHIM Aadhaar Pay app, customers did not require to download any app or even a mobile phone. The transactions were authenticated using their fingerprint which is saved in the Aadhaar database.

How To Download BHIM Aadhaar Pay App

The BHIM merchant app could either be downloaded from the Google Play store or the merchants could contact their respective bank branches. The bank officials would then help set up the BHIM Aadhaar app on the mobile phone of the merchants. The app was initially available for Android smartphones but it may be available for iOS at a later stage.

In case the BHIM Aadhaar Pay app was uploaded/released on Google Play store, the direct link to download the app would be shared.

How to Use BHIM Aadhaar Pay App

The use of the BHIM Aadhaar Pay app is very simple. Customers who have completed the e-KYC of their bank accounts or have linked their Aadhaar Card with their bank accounts would be able to pay using this app. The customers while making payments to any merchant would be required to just use their thumb and then select the bank account to make the payment, that's it.

Merchants would be required to download the app on their smartphone and link their bank account where they wish to receive the payment. After that they would be required to connect their phone to a fingerprint reader to accept payments from the customers.

The BHIM Aadhaar app would be most beneficial to those who cannot read or write as their thumb impression would work as the authentication password for the transaction.

The basic use of BHIM Aadhaar Pay App

1. Customers would be required to connect their Aadhaar Number with their bank accounts.
2. Merchants would be required to download the app, link it with their bank account and attach a fingerprint scanner.
3. While accepting payments, merchants would enter the Aadhaar number of the customer, select the bank and enter the amount to be charged.
4. After that, the customer would place his finger/thumb on the fingerprint scanner to authorize the payment.
5. Once the fingerprint matches the Aadhaar Database, the amount would directly be transferred from the customer's account to the merchant's bank account.

Using the BHIM Aadhaar Pay app, transactions could be made through Aadhaar-linked bank accounts (AEBA) only. BHIM Aadhaar is a highly secure app which uses two main platforms - Aadhaar Payment Bridge (APB) and Aadhaar Enabled Payment System (AEPS). APB acts as a repository between the banks and the customers to provide a smooth flow of transactions, while AEPS helps in authenticating the online process.

Using BHIM Aadhaar Pay, the merchants would not be required to pay Merchant Discount Rate (MDR) which they pay while accepting payments using credit or debit cards.

Aadhaar Pay - BHIM Aadhaar Payment App Download & How to Use (Update on 4 April 2017)

Aadhaar Pay was a new mobile app launched by the central government to promote the use of digital payments. The new smartphone app was named as "BHIM - Aadhaar Pay" and was launched on 14th April. BHIM Aadhaar Pay app is a merchant app which allows customers to pay using their thumb impression.

BHIM - Aadhaar Pay is a biometric-based payment system which allows all the Aadhaar linked account holders to carry out transactions just by the use of their thumb impression. The scheme is part of increasing the use of digital payments.

Aadhaar Pay - BHIM Aadhaar Payment App

The main objective of the Aadhaar Pay app is to increase the use of digital payments and bring clarity in the economy. The central government has already launched the UPI based BHIM (Bharat Interface for Money) app in order to push the number of digital transactions and make the country a less-cash economy.

Narendra Modi Government asked all the public sector banks to come on board the Aadhaar Payment System by April 14th. IDFC bank had already launched its own version of the Aadhaar Payment App a few weeks ago. The government also asked the banks to encourage the merchants to use the Aadhaar Pay app to receive payments from their customers. The government expected adding 5 Lakh merchants on board within just two weeks after the launch of the app.

Aadhaar Payment App Download & Use

However, the app would be available on Play Store after launch on 14th April. After that, you could follow the below steps to download the Aadhaar Pay app from the Google Play Store:

1. Visit play.google.com from your desktop or open the Play Store app in your Android mobile.
2. Search for "Aadhaar Pay" or "BHIM Aadhaar Pay" in the search box and select the official app from the list.
3. Click the "Download" button and click "Accept" for giving permissions to the app.
4. App would be downloaded and installed.
5. After installing, the merchants would be required to connect their bank account with the app where they want to receive payments from their customers.
6. Merchants would be required to attach a fingerprint scanner with the mobile app in order to receive payments from customers.

The direct link to download the Aadhaar Pay app would be available only after the app is launched.

Benefits of Aadhaar Pay App

The Aadhaar Pay app would completely eliminate the use of credit/debit cards for payments and would also help reduce the theft of private banking information. In order to pay through the Aadhaar Pay app, customers would not be required to install any app or even a smartphone.

If the bank account of the customer is linked with their Aadhaar Number, they would be able to pay just by using their thumb impression. In case the customer has multiple bank accounts, they can select the bank account from the list which is displayed in the app after thumb impression and then proceed.

Introduction of Aadhaar Based Payment System on BHIM App

Users can send and receive money using the Unified Payment Interface but later the Aadhaar based payment system would also be added to the app. Once the Aadhaar based system is added, people even would not require a phone for doing cashless payments. The Aadhaar based system is currently being tested and is expected to be added to the BHIM app within the next few weeks.

BHIM app, after the Aadhaar based system is added, would not require an internet connection, it would just need your thumb impression. Your thumb would act as bank and password for cashless transactions. The app would also work on feature phones through an upgraded USSD platform.

People would be able to send and receive payments using any of the three modes UPI (Unified Payment Interface), AEPS (Aadhaar Enabled Payment System) and USSD (Unstructured Supplementary Service Data) using the single BHIM app.