INDIAN COUNCIL OF AGRICULTURAL RESEARCH KRISHI BHAVAN : NEW DELHI. CIRCULAR

Transcription

1 INDIAN COUNCIL OF AGRICULTURAL RESEARCH KRISHI BHAVAN : NEW DELHI. CIRCULAR F.No.GAC/21-14/2016-CDN Dated the 30 th November, 2016 As you are kindly aware that the Govt. of India has decided that all payments/transactions in Departments/Organizations be made using digital/cashless systems for ensuring transparency, smoothness and efficiency. With a view to implementing the above decision of the Cabinet/Government of India, it has been decided by the Competent Authority that all receipt and payments in lcar Hqrs will be through cashless/digital transaction methods only. Accordingly, all Directors/Project Directors of!car Institutes are advised to take up the matter on priority and create facilities/system conforming to above implementation so that all transactions in the Institute/regional stations etc may be done t gh c hless/digital modes at an early date. DISTRIBUTION: ( K.K. Ku tha ) "".. retary(gac) 1. All Directors/PDs/PCs/Bureuax for information and necessary action. 2.PSO to DG, ICAR/PPS to Secretary, ICAR/PPS to FA DARE/ICAR. 3.PD, DKMA for uploading the circular urgently. 4.Guard file

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4 Getting a Bank Card HOW TO ISSUE A CARD FROM YOUR ACCOUNT - Approach nearest bank branch - Multiple cards from one account - PIN issued by bank separately ACTIVATE YOUR CARD - At your Bank's ATM by even balance checking - At your bank branch by any transaction

5 Types of Cards & Usage PREPAID CARDS DEBIT CARDS Pre-loaded from your bank account Linked to your bank account Safe to use, limited amount of transaction Can be recharged like mobile recharge Used to pay at shops, A TMs, wallets, microatms, online shopping -" -- _.-,-"".,,-.--

6 Point of Sale (POS) & Card steps BANKS ISSUE VARIOUS CARDS FOR THEIR ACCOUNT HOLDERS USE YOUR CARD TO SHOP ANYWHERE PREPAID CARD CAN BE ISSUED BY ANY BANK FROM ACCOUNT OR CASH (FOLLOWING BENEFITS) Prepaid Cards At any PoS Pre-loaded card Debit cards AtATM Equivalent to cash Credit Cards Online shopping Can be recharged several times Can be used at any PoS, ATM

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8 Required for Activation ACCOUNT IN A BANK ANY MOBILE PHONE ON GSM NETWORK Can be used for payments upto Rs 5000 per day per customer

9 "'- -,-- Registration Visit your branch to link mobile number and bank account Can be done at ATM or online also You will get your Mobile Money Identifier (MMID) and Mobile PIN (MPIN) upon registration New changes being brought to simplify user experience; no need for separate MMID Remember your MMID and MPIN

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12 Aadhaar Enabled Payment System (AEPS) AEPS allows bank-to-bank transaction at PoS (MicroATM) with the help of Be Only Aadhar needed Aadhar enabled SeNices - Balance Enquiry - Cash Withdrawal - Cash Deposit - Aadhaar to Aadhaar Funds Transfer

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14 Aadhaar Enabled Payment System Steps Seed your account with your Aadhar number at bank or with the help of banking I correspondent Now you can do many transactions at any AEPS point > Iwithout any pin or password (AEPS points - Micro ATMs) You can do - Account balance - Aadhar to Aadhar fund transfer - Cash withdrawal - Cash deposit - Purchase at Fair Price Shops with AEPS

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17 ------, Requirements for registration on UPI REQUIREMENTS Smartphone with internet facility Bank Account details (only for registration) AVAILABLE APPS (28 BANK APPS) SBI app, PNB UPI, UPI Collect (lcici), Axis Pay, Canara Bank UPI, UCO UPI, Union Bank UPI; OBC UPI and 20 other banks

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21 Sending Money ill! 0 ',," (tiflet't MGfl illl$jlood ttl Screensh at ta ken from bgr. i njn ews/u n ified-paym ents-interface-h eres-how-to-register -se nd-a nd-receive-money-usi ng-upi-a ppsj

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23 Collecting Money dfm:; LOMeL'f: Moo )' lij!'ij<!cd t<> ",,"_I ""t :> Screens hot ta ken from eres-h ow-to-register -send-a nd-receive-m oney-using-u p i-a ppsj

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25 ,-.,---- What are e-wallets? Electronic pre-paid payment system. mobile-first ed in purchasing items on-line with a computer or a I!SmartPhone at a store, n ' An individual's account is required to be linked to the digital wallet! to load money in it. i Most banks have their e-wallets and some private companies

26 Using Wallets Consumer Wallet Limits: Rs.20,OOO/month for all. Rs.1 lakh/month with KYC Merchant Wallet Limits: Rs.50,OOO/month with Self Declaration. Rs.1 lakh/month with KYC Basic Requirements to Start Using a Wallet: Bank Account, Smartphone, 2G/3G Connection & A Free Wallet App

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28 Types af PaS PHYSICAL POS MPOS V-POS Physical Card Swiping - PTSN with land line I GPRS enabled Phone connected with external POS device through jack I Bluetooth Virtual E-payment Gateway

29 Physical PaS SWIPE A DEBIT/CREDIT CARD ON THE pas MACHINE ENTER AMOUNT TO BE PAID AND PIN GENERATE RECEIPT - ""'"

30 Installation of Physical PaS Terminal Open / identify current account for transactions Fill in the application form (online / at the branch) Submit following documents: - Proof of business (anyone) Shop & establishment registration certificate VAT certificate Sales tax Proof of address Photo identity proof of proprietor I partner Financial details Bank statement I ncome tax return Identify type of PoS required (land line / GPRS) Acceptance of MDR by merchant Execution of Merchant Establishment Agreement

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32 V-PaS Il I No PoS machine required QR code used for payment to bank account of merchant!complete privacy of merchant bank account

33 Must Do Practices Register your mobile number at bank for regular information by 3M3 for every transaction, Never share your PIN to anyone t I ITransact at only trusted merchants I!While at ATM, ensure no one is looking over your shoulders I