Organisation : Karnataka Bank
Service Name : BHIM KBL UPI App
Applicable For : Karnataka Bank Account Holders
Website: https://karnatakabank.com/digital-banking/mobile-banking-services
Karnataka Bank BHIM KBL UPI App
BHIM KBL UPI App Smart App for Smart Generation.
Related : Karnataka Bank KBL SmartZ Mobile App : www.statusin.in/24250.html
BHIM KBL UPI App is a mobile application for all transaction needs, which facilitates Bank’s customers to add own and other Bank accounts linked to his/her registered mobile number and initiate payment and collect fund transfer request based on virtual ID,Aadhar number,Bank account number with IFSC code,mobilenumber with MMID.
With BHIM KBL UPI App you can :
** Link any of your other Bank Account which is linked to your registered mobile number with valid Debit card
** Need not to be a KBL Customer
** Can initiate Money Collection request
** Can View your Other Bank Account Balance and can initiate Fund transfer
** Can initiate fund transfer using Aadhaar Number, Virtual Address, Account Number & Indian Financial System code (IFSC), Mobile Number & MMID (Mobile Money Identifier).
Unique Features
** Push & Pull Payments
** Single Click two factor authentication
** Customers can pay using multiple identifiers- Account No.& IFS Code, Mobile No. & MMID, Aadhhar No. or Virtual Address.
** Virtual Address-Virtual address as a payment identifier for sending and collecting money.(e.g. NRR@kbl)
** One App for all transaction needs
** Moving towards less cash society
** Innovation,Interoperability & scalability
How to Use BHIM KBL UPI App
Pre-Requisite
** Andriod Mobile device/smartphone (4.0-Ice cream Sandwich & above ) with GPRS enabled (preferable Network 3G/4G/2G)
** The SIM of Registered Mobile number with the Bank where the account is held should be in primary SIM Slot in case of dual SIM Mobile devices.
** Mobile Number should be registered with Bank for receving Transaction SMS Alerts
** Should have a Valid Debit card
Registration Process
** Customers who are acount holder of our Bank or Account holder of UPI Participating Other Banks can download the BHIM KBL UPI app from Google play Store.
** After successful download and install of BHIM KBL UPI app,the app prompts for authorising to sending sms for identifyig the registered mobile number with the Bank and for mobile device fingerprinting binding,On successful, registered Mobilenumber is displayed to the customer.The customer has to check the number deisplayed on the screen and then accept.
** The customer has to creates his/ her profile by entering details like name, virtual id (payment address), password etc.
** What is Virtual Id?- Virtual Id is a unique identifier replacing of your Bank account number in furture for fund transfers/payments.It should be identifyable with your account number and can be alphanumeric without any special characters (ex:can be combination of shortform of your name,branchname,cityname,numbers related to your present account number)
** Customer profile is created successfully.
** In order to transact, customer has to go to option of “Add Bank Account”.
** In the next screen, customer has to select “Bank Name” from drop list down provided.
** After selecting the bank, customer will get account linked to that particular mobile number in the next screen.
** Customer will select the account number which he/she wish to add (should be linked to Valid debit card.)
** After selecting A/c No, the same will get added in the profile.
** Same steps can be followed for adding listed other Bank accounts linked the registered mobilenumber.
Generating UPIPIN for the Transaction
** In order to transact, customer need to generate the UPI PIN (UPIPIN is different from the PIN used for opining the BHIM KBL UPI app).
** Customer selects the bank account for which he/she wants to initiate the transaction
** Customer has to select Register MBanking/Set UPI Credentails option
** On selection on the abocve option Debit card details screen is displayed.
** Customer will now enters last 6 digit of Debit card number and expiry date.
** Customer will now receive OTP on his/her registered mobile number
** Customer will enter OTP along with UPIPIN of his/her choice on NPCI Library screen and click submit.
** customer gets notification (successful or decline)
How to Perform Payment Transaction
PUSH : sending money using virtual address
** Customer logs in to Bank’s UPI application
** After successful login, customer clicks on Added Account number (tab to more options) and click on Payment option
** Customer enters beneficiary’s / Payee virtual id, amount and account to be debited
** Customer gets confirmation screen to review the payment details and clicks on Confirm
** Customer now enters UPIPIN to authenticate the transaction
** Customer gets successful or decline message for the transaction.
** App notification for success/failure will be received
** Transaction SMS will be sent from the Bank on sucessful transaction