National Common Mobility Card (NCMC) RuPay qsparc Dual Interface Card

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1 NCMC National Common Mobility Card (NCMC) RuPay qsparc Dual Interface Card

2 Payment Platforms by NPCI

3 Number of Banks covered so far Sr. no. Product/ Platform Member Banks Direct Sub- Member Total 1 NFS IMPS RUPAY CTS NACH APBS AEPS Unique Banks on NPCI Platform out of appx Banks

4 NCMC Proposition Metro Retail Shop Cab Buses One Card Many Benefits Restaurants Parking Retail Outlets ATM / Kiosk

5 Benefit to the nation Open Standards Low Value Payment Dual Interface Card High Security Vendor Agnostic Data Storage Interoperability Scalability Stored Value

6 Benefit to State Transport Common standards Unified cards with online/offline transaction Savings on card lifecycle management cost Reduced cash handling & operating cost Higher customer loyalty & stickiness Provision for creation of Monthly session ticket in the card Provision of issuance of tickets at concession rate Support multiple service areas for payment and non payment capabilities

7 Savings to PTOs & Government Existing Cost Model Significant share of Automated Fare Collection System cost towards the total project cost (e.g. 2-4% in case of metro rail system) Fare collection contributes around 4-5% of OPEX Risk of cash handling, revenue leakages and manpower management Savings to PTOs and Government with NCMC Standardized transaction processing cost to Financial Institutions Reduced fare collection cost contribution towards OPEX Simplified revenue handling with minimal pilferage Predictable and regulated Intermodal settlements through NPCI Better accountability and increased transparency of the system Time to market for Interoperable Fare Management System Digital trail for all transactions

8 NCMC Live Projects Product Offered BMTC KMRL Ahmedabad Smart City The Smartcard card has the functionality of carrying both the E-Purse & Pass in one single card. Kochi One card is a multipurpose, prepaid contactless Rupay card which can be used to travel in metro and also like normal debit card. Banking Partner Axis Bank Axis Bank ICICI Bank Use cases Ticketing and Retail purchase transactions Ticketing and Retail purchase transactions This card is to be used for fare payment at BRTS, city bus services and other utilities payments in addition to day to day retail payments. Transit, Utility Services & Smart City

9 Issuance process flow

10 Online Purchase(Contact & Contactless) Tap the card into POS Card returned Approval for transaction to NPCI Authentication Request to issuer for transaction Approval for transaction and updates balance on card Approval to acquirer Purchase transaction Transaction goes to acquirer switch Send transaction to NPCI

11 Offline Purchase(contactless) Offline contactless transactions up to a threshold of Rs 2000 or a limit set by the issuing bank, whichever is lower The offline contactless transactions shall not need online authorization from the issuer host and will not require the customer to enter a PIN. Contactless transactions above the bank s threshold and up to Rs 2000 shall require a PIN, while transactions above Rs 2000 shall be mandatorily conducted over the contact interface.

12 Money Add Makes the payment to Merchant for Add Money Card returned Approval for transaction to NPCI Authentication Request to issuer Approval to POS for writing balance on card Approval to acquirer Card tap into POS and perform a money add transaction Transaction goes to acquirer switch Acquirer Send transaction to NPCI

13 Service Creation Card to merchant with service creation request Card returned Approval for service area creation to NPCI Authentication Request to issuer for service area creation. Approval for creation and service is created Approval to acquirer Service creation transaction Transaction goes to acquirer switch Send transaction to NPCI

14 Process involved for adopting NCMC Identify the issuers (banks to issue the cards ) Select the acquirer(s) (SRTU can identify single/multiple acquirers. Negotiate commercial terms with the acquirers Provide the electronic ticketing machine to the conductor Create an Automated Fare Collection system ( preferably centralized) Create a settlement and reconciliation system ( preferably centralized) Setup a dispute management/grievance redressal system ( preferably centralized)

15 NPCI aims to touch every Indian by with one or the other electronic payment product and support the RBI s vision of a Less Cash society.

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