• Bharat Interface for Money is an app that lets you make easy and quick payment transactions using UPI. It is easier than Wallets! You will not have to fill bank account details again and again. You can easily make direct bank to bank payments and instantly collect money using just Mobile number or Payment address.

• As fast as it can get! All payments over Bharat Interface for Money are linked to your bank account and transaction can be completed within few seconds.

• There are no charges for making transaction through Bharat Interface for Money.
  Note - Bank may charge nominal fees as UPI or IMPS transfer fees in future.

• Bharat Interface for Money app is currently available on Android (Above 4). The BHIM App can be downloaded from Google Play Store, for smart phones. For feature phones, by dialing *99# one can use Bharat Interface for Money.

• To start using Bharat Interface for Money all you need is a Smartphone, Internet access, a bank account that supports UPI payments and mobile number linked to the bank account. Link your bank account to UPI through the app.

• Your account need to be enabled for mobile banking to use Bharat Interface for Money. Your mobile number shall have to be registered with the Bank.

• You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your ATM / Debit card along with the expiry date. You will then receive an OTP which you have to enter and set your UPI PIN. Note - 'UPI-PIN will not be the same as MPIN provided by your bank for mobile banking'.

• Currently, Bharat Interface for Money supports linking of one Bank at a time. At the time of account set-up, you can link your preferred bank account as the default account. In case you want to link another bank account, you can go to Bank Account --> Click on the three dot on right side top of the page --> Choose Change Account.

• This is a banking network (UPI) requirement. The mobile number which is used to register with Bharat Interface for Money is used to match the bank accounts linked against it.

• At the time of registration you will be providing us with the Debit card details and with the use of your mobile number registered to your bank account, we will pre-fetch the details from your bank. All the information exchange happens over secure banking networks and we don't store it, your information is safe!

• Unified Payment Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties’ bank accounts.

• UPI-PIN (UPI Personal Identification Number) is a 4-6 digit secret code you create / set during first time registration with this App. You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on Bharat Interface for Money.
• Note :
• Banks issued MPIN is different from the UPI-PIN, please generate a new UPI-PIN in the Bharat Interface for Money app.
• Please do not share your UPI-PIN with anyone. Bharat Interface for Money does not store or read your UPI-PIN details and your bank's customer support will never ask for it.

• Payment Address is an Address which uniquely identifies a person's bank a / c. For instance, the Payment Address of customers of Bharat Interface for Money is in the format xyz@upi. You can just share your Payment Address with anyone to receive payments (no need for bank account number / IFSC code, etc.). You can also send money to anyone by using their Payment Address. Note - Do not share your confidential UPI PIN with anyone.

• On entering the wrong UPI PIN the transaction will fail and shows an error "wrong / Incorrect UPIN entered”.

• In such a case, please ensure that the mobile number linked to your Kalyan Janata Bank account is same as the one verified in Bharat Interface for Money App. If it is not the same, your bank accounts will not be fetched by the UPI platform. Also, only Savings and Current bank accounts are supported by Bharat Interface for Money.

• When you shop-online, you can pay through UPI when you see UPI as a payment option. By clicking on that option, you will need to enter your Virtual Payment Address i.e. VPA (for eg. xyz@upi). Once entered, you will receive a collect request on your Bharat Interface for Money app. Enter your UPI-PIN here and your payment will be complete. As easy as this!

• You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your ATM / Debit card along with the expiry date. You will then receive an OTP which you will enter and set your UPI PIN.
  Note - 'UPI-PIN is not the same as MPIN provided by your bank for mobile banking - IMPS service.

• Yes, you can send money using the Bharat Interface for Money app from your UPI enabled bank account. You will need to register and set a UPI PIN using the debit card details linked to the bank account. If your beneficiary’s bank account is also linked to UPI, you can simply use their mobile number or Payment Address to transfer. If not, you can use IFSC code, Bank account or MMID, Mobile number to send money.

• All payments are instant and 24*7, regardless of Kalyan Janata Bank's working hours!

• Once you complete a transaction, you should see a success status on the Bharat Interface for Money screen and receive an SMS from your bank. In some cases due to operator’s issues it can take longer time. In case you have not received your confirmation within an hour please contact customer support at your bank or you can lodge complaint from the BHIM App itself by using “report the issue” option that is available for a failed transaction.

• Go to Bharat Interface for Money Home Screen ->Transaction History. To view all your past and pending transactions.

From the Bharat Interface for Money app Home screen –

• Click Send Money Option
• Enter or select the receiver's mobile number or Payment Address (you can select from your contact list or enter it)
• You can enter Account Number & IFSC code by selecting beneficiary’s bank
• Enter the amount you want to send
• Your default bank account gets selected
• Enter UPI PIN and send alternately, you can also scan a QR code and pay via the 'Scan & Pay' option.

From the Bharat Interface for Money app Home screen –

• Select Request Money
• Enter or select the receiver's mobile number or Payment Address (you can select from your contact list or enter it)
• Enter the amount you want to request
• Click on Send. This transaction will remain pending until the payment is received, you will be notified when the money is transferred to you.
• You may also request money by sharing your QR code.
• Go to Home Screen > Profile > Choose account to get QR code

• Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on Bharat Interface for Money.

Through Bharat Interface for Money you can make following type of transactions –

• Request or Send Money via Payment Address
• Request or Send Money to Mobile number
• Send Money through MMID & Mobile Number
• Send Money through IFSC code, Account No.
• In addition, you can use the scan and pay option for Merchant payments.

• Every transaction through your bank account will be recorded by the Bank and you can view all your past transactions in the 'Transaction History' section on the Bharat Interface for Money App. My send money transaction is failing, help! To avoid transaction failures -
  1) Ensure that the UPI-PIN is entered correctly.
  2) If the receiver is not on Bharat Interface for Money choose to pay via IFSC instead of mobile number.

• In this case, please first check the data connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.

• For any transaction, you will see a status instantly on your screen. If for some reason the transaction is delayed or pending, the result will be posted on your Transaction History page along with a UTR# or bank reference number. In addition, you will receive an SMS from your bank.

• No problem at all. You can continue using Bharat Interface for Money as usual.

If you change your handset, you will need to

• Download the Bharat Interface for Money app again
• Login with your mobile number and password
• Allow Bharat Interface for Money to verify you, this is for your security. After verification your account will be restored.

• If you lose your phone, the UPI-PIN is required to authorize all transactions will not be known to a third person and hence they will not be able to use Bharat Interface for Money. In addition, please don’t save your UPI or any banking related information in your mobile phone for more security.

• We will not auto deduct payments from your account.

• This is a feature of the UPI payment platform (built by NPCI- an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. Bharat Interface for Money can't see all the details. This exchange is done over secure banking networks and we don't store or ever use it.

• As soon as your merchant has processed the refund from its end, it should be instantly available in your default bank account.

• In case of failures money will be refunded back to your account. Sometimes this takes longer than expected. If you do not receive the refund within 1 hour, please contact our toll free customer support at 1800 233 1919.