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BHIM Aadhar Pay

Bhim Aadhar Pay is an easy mode of cashless transaction and allows the customers to pay  the merchant of any bank just through biometric authentication (fingerprints) from aadhar enabled bank account of customer as well as merchant as the interface of the app use aadhaar to connect with the customer and the merchant’s bank account. Due to this payment app, users don’t need a debit card. Bhim Aadhar Pay platform had been launched on the birth anniversary of Dr.Bhim Rao Ambedkar. 

This platform is the next step to UPI payment system as in UPI payments, authentication is done through linked mobile number but here biometrics are used for authentication. As there are many UPI payment apps, likewise there are many BHIM Aadhar Pay apps. Even some banks also launched merchant aadhar pay apps for their customers, such as ‘SBI Aadhar Pay’ app was launched in February 2017 and is available on the google play store. However, every bank app is not on play store. In those cases, the merchant needs to contact the bank and the bank will give the download link after verification. 

How does BHIM Aadhar Pay App Work? 

BHIM Aadhar app is for merchants, so customers don’t need to install it in their mobile phones. They can pay at shops through app by using thumb impressions, however merchants need to install it on their android or iOS mobile phones. To receive the payments from customers, merchants as well as customers who are doing payment need to link their bank accounts to aadhar. As BHIM Aadhar Pay app is based on Aadhar Enabled Payment System, it will use aadhar number to connect with the customer and the merchant.

The benefit of this app is that merchants don’t need POS machine and the customers don’t face the hassle of keeping a card, swiping it and entering pin. 

How to Download and Setup the BHIM Aadhar Pay App?

  1. Install the app from the google play store and enter your details such as name, address, aadhar number. Choose the bank with which you have the account and generate the request to the bank.
  2. The bank will contact you to help in the registration process. After the registration is complete, an activation link will be sent to you.
  3. After installing the app, connect your phone with a fingerprint scanner and thereafter link your bank account with the app through aadhar.
  4. Use the fingerprint scanner for taking your fingerprints. After the successful authentication, your bank account will be linked with the app. 

Cashback and Referral Offers:

The Government has set a budget of Rs 495 crores for cashback and referral schemes launched for the normal users and merchants. To promote BHIM Aadhar app among merchants, the government is giving cashback of Rs 300.

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