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Soon Book your Rail Tickets via UPI and BHIM at Reservation Counters

reservation counters railway

In a bid to boost cashless transactions, the Indian Railways has said that it will accept money through Unified Interface Payment UPI and BHIM App for booking railway tickets from reservation counter. To promote digital payments, the Indian Railways has taken this decision and also said that this UPI facility is launched only for reserved tickets.

“We are going to roll out UPI-based payment system at all reservation counters across the country” Railway Board member Mohammad Jamshed said in New Delhi. He said over 97 percent of the tickets sold at Passenger Reservation System (PRS) counters daily are through cash and only two-three percent of transactions at the reservation counters are through debit or credit cards.

Nearly 7.5 lakh tickets are booked daily by the passengers all over India, and 5 lakh tickets are booked at (PRS) Passenger Reservation System counters. “Now a passenger does not have to carry his credit/ debit card, as they will be able to book it through BHIM app through a mobile phone,” Jamshed said.

Also Check: Indian Railway New Time Table 

Currently, the team is working to develop Bharat Quick Response Code option to book tickets. Passengers have to just scan the QR code to make the payments.

Every day the Indian Railways earns nearly Rs.110 crores by selling reserved tickets. Out of them, Rs.30 crores are earned through tickets sold at reservation counters, and Rs.80 crores are from e-ticketing.

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Whatsapp planning to launch peer-to-peer payments in six months.

whatsapp upi payment to launch in india

WhatsApp, one of the most downloaded smartphone application was founded by Brian Acton and Jan Koum and later took over by Facebook. WhatsApp is currently recruiting the head of all the digital transactions and UPI maintenance, Aadhaar system, and BHIM transactions. The Ken, publisher reported this first. Brian Acton said that they are doing ground work for the implementation of UPI payments.

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Almost 54 crores of users have downloaded this instant messaging app. It has become a way of communication medium between the people. It may be between professor and student, Owner and Customer, WhatsApp is almost used by each and every individual. Recently a journalist started a WhatsApp based news service in the rural area of Uttar Pradesh with 8000 paid subscribers.

WhatsApp brings the old text status feature for its users

However, Because of Narendra Modi’s Demonetisation, almost all payments became digital. We can say the number of digital transactions faced a sudden increase recently based on a report. The reason behind this is undoubtedly the Big note ban implemented by our Prime Minister on 8th November 2016 to restrict corruption in our country.

Smart India Hackathon Providing Digital Solutions

For propagating the secure transactions, India has built a Unified Payments Interface(UPI). UPI is a single window mobile payment system with a user-friendly environment to allow transactions between accounts. Prime Minister Modi, himself launched one such app BHIM in the December of last year. The app currently has 2 lakh users with 4.1 rating. Almost all national Banks and Recharge apps like Paytm also implemented the UPI.

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BharatQR code Launched to Increase Digital Payment System in India

BharatQR code

The government of India introduced various services to increase the digital payments in the country through mobile wallets and other online payment systems. In this process, today the government has taken a step further and launched QR (quick response) code which known as BharatQR code. Through this people are allowed to pay for the items without swiping their plastic cards.

The BharatQR code is designed by the NPCI (National Payments Corporation of India) Visa and MasterCard.  Consumers are no need to scan different QR code at the merchant which provided by the various payment networks. Instead of that, they are allowed to scan the QR code through the acquiring bank mobile application.

Visa, MasterCard and Rupay Launches QR Code Payment System for Making Cashless Transactions in India

This payment acceptance solution works through MasterCard, Visa and RuPay accounts. The BharatQR code is formulated under the instructions of Reserve Bank of India. “There is an implied suggestion that this (payment) sector needs to free of licensing mechanism and once a set of criteria fixed, any number of entities meeting those standards should be allowed to function. We differ from this idea,” said by the RBI Deputy Governor R Gandhi.

To start the payment process through BharatQR code, first users have to link their credit/debit cards to the app and have to select the respective card during the payment. The app linked with MasterCard, Visa and RuPay platforms usually comes with inbuilt QR code reader.

Users have to link the card or bank accounts to the app as a one-time activity. While making the payment, users have to scan the BharatQR code through the mobile app. The amount you purchased will transfer from your account to merchant’s bank account. The BharatQR code is the second digital payment system successfully introduced by the government after Unified Payments Interface (UPI) based BHIM app.

How to download BHIM App and Process of using BHIM App Explained In Detail

The banks which included in this process are:
  • Axis Bank
  • Bank of Baroda
  • Bank of India
  • Citi Union Bank
  • Development Credit Bank
  • Karur Vysya Bank
  • HDFC Bank
  • ICICI Bank
  • IDBI Bank
  • RBL Bank
  • State Bank of India
  • Union Bank of India
  • Vijaya Bank
  • Yes Bank

Now Send Money to Aadhaar number via BHIM App

Send Money to Aadhaar number via BHIM App

The Indian government is taking a step forward to make India a less-cash or cashless economy. BHIM App is an application which allows the people to send or receive money via Unified Payments Interface (UPI). It developed by National Payments Corporation of India (NPCI).

The government made the availability of BHIM App only on Android devices, and they launched a new feature called Aadhar payments. Through this people can send money directly to the recipient’s 12-digit Aadhar number via BHIM App.

UPI based app will get biometric-based Aadhar pay option as well which will soon roll out in coming weeks. With the launch of biometric-based Aadhar pay, it will be easy for making payments via BHIM App.

Complete step-by-step process of using BHIM App for making cash transactions

By sending money, BHIM App can be useful if the recipient doesn’t have any virtual payment address for UPI. It is an alternative to entering the account number and bank IFSC. Apart from this, people have to check some important points for paying money through Aadhar number via BHIM App.

The person which you are sending money must have their Aadhaar number linked to bank account. If not, in that case, the payment via Aadhaar won’t work. BHIM doesn’t show the account holder’s name, so the user has to double-check the number before sending money. This was done to prevent the people from misusing the app to troll Aadhaar number.

The process to send money to Aadhar number via BHIM App is as follows

  • Install BHIM App from Android Play store.
  • Add your bank account.
  • If you are using the app for the first time you need to set a password.
  • After successful mobile verification, the apps show you the list of banks.
  • Click on the Send money option.
  • Tap on the payment method, choose Aadhaar pay.
  • Enter recipient’s Aadhaar number.
  • Tap on the verify option which checks if the Aadhaar number linked to bank or not.
  • Double-check the number before sending the money.
  • Enter the amount and mention the reason for payment.

UPI Offline Process is Now Available: Steps to Use without Internet

UPI Offline process

PM Narendra Modi has recently launched the ‘BHIM’ app in a move to push digital payments in India. Essentially, this app is a simple, clutter-free and easy to use for sending and receiving money. Meanwhile, UPI Offline Processes to make or receive payments. You can make or receive payments with the UPI Offline process by linking your mobile number to your bank account. You require an Android smartphone for any UPI-based transactions till now. On the other hand, some offer USSD-based mobile banking for feature phones.

Now, the USSD platform has enhanced the UPI integration with the BHIM app. here we provide you more information on UPI Offline process and more about the upgraded USSD platform.

Complete step-by-step process of using BHIM App for making cash transactions

Steps Explaining in Detail about UPI Offline process:

You get a welcome screen with seven options just after dialing *99#- send money, request money, check balance, my profile, pending requests, transactions, and UPI PIN.

upi offline process

Send Money:

After selecting the ‘send money’ option, you can send money either by entering their mobile number, using IFSC code and account number, choose from already saved beneficiaries, Virtual Payment Address (VPA), or via MMID and mobile number.

The process of transferring money to UPI VPA is quite smooth and simple. Select option ‘1’ in the home menu, to send money. Then choose ‘2’ to enter payment address followed by the payment address of the recipient.

Payment upi offline process

The recipient details will be shown along with his/her name after entering the payment address. Then enter the amount you want to transfer not exceeding Rs 20,000 followed by entering 4-digit UPI PIN in the next step, and hit send.

upi offline process 3

Once the money is sent, it asks you either to save the recipient or exit.

Request Money:

upi offline payment process request money

You can request money by selecting the ‘Request Money’ option from the home screen. Then enter the VPA, followed by the amount in the next screen. This step passes a collect money notification to the recipient.

Check Balance:

This option allows you to check the available balance your bank account. You need to enter the 4-digit UPI PIN to get the account balance on the screen.

upi offline process balance request