pdsportal.nic.in Digital Payment Procedure

Organisation : PDS Portal of India e-PDS
Facility : Digital Payment Procedure
Applicable For : All India
Website : https://pdsportal.nic.in/main.aspx
Terms & Conditions : https://www.statusin.in/uploads/25552-Digital-Pay.pdf

Digital Payment Procedure :

Getting a Bank Card :
1. How To Issue A Card From Your Account

Related / Similar Service : PESO Check Application Status

** Approach nearest bank branch
** Multiple cards from one account
** PIN issued by bank separately

2. Activate Your Card
** At your Bank’s ATM by even balance checking
** At your bank br

Types of Cards & Usage :
Prepaid Cards :
** Pre-loaded from your bank account
** Safe to use, limited amount of transaction
** Can be recharged like mobile recharge

Debit Cards :
** Linked to your bank account
** Used to pay at shops, ATMs, wallets, microATMs, online shopping

Point of Sale (POS) & Card steps :
Banks Issue Various Cards For Their Account Holders
** Prepaid Cards
** Debit cards
** Credit Cards

Use Your Card To Shop Anywhere
** At any PoS
** At ATM
** Online shopping

Prepaid Card Can Be Issued By Any Bank From Account Or Cash(Following Benefits)
** Pre-loaded card
** Equivalent to cash
** Can be recharged several times
** Can be used at any PoS, ATM

Unstructured Supplementary Service Data (USSD) based Mobile Banking
Required for Activation
1. Account In A Bank. Can be used for payments upto Rs 5000 per day per customer
2. Any Mobile Phone On GSM Network

Aadhar enabled payment system (AEPS) :
i. AEPS allows bank-to-bank transaction at PoS (MicroATM) with the help of BC
ii. Only Aadhar needed

iii. Aadhar enabled Services
** Balance Enquiry
** Cash Withdrawal
** Cash Deposit
** Aadhaar to Aadhaar Funds Transfer

Aadhaar Enabled Payment System Steps :
** Seed your account with your Aadhar number at bank or with the help of banking correspondent
** Now you can do many transactions at any AEPS point without 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

UPI :
Requirements
** Smartphone with internet facility
** Bank Account details (only for registration)

Available Apps  : (28 Bank Apps)
SBI app, PNB UPI, UPI Collect (ICICI), Axis Pay, Canara Bank UPI, UCO UPI, Union Bank UPI, OBC UPI and 20 other banks

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

Must Do Practices :
** Register your mobile number at bank for regular information by SMS for every transaction
** Never share your PIN to anyone
** Transact at only trusted merchants
** While at ATM, ensure no one is looking over your shoulders

About Us :
e-PDS portal is intended to be an one-stop information for Public Distribution System (PDS). The portal aims to bring in transparency by disseminating data, information, news etc., related to PDS.

The portal is expected to provided vital information on policies related to PDS, information on Central and State schemes, price of PDS commodities, allocation and offtake details, stake holders information, fair price shop details, ration card information etc., Apart from the Centrally provided data, the portal provides links to PDS related websites of the various States to know the PDS related information.