BHIM Aadhaar - UBI 2.0.0.22

BHIM AADHAAR - Union Bank of India application, with Aadhaar Pay service, offers a solution for merchants to facilitate digital payments for purchase transactions at their establishments without the need for a MicroATM/POS terminal. This innovative approach utilizes customers' biometric data and Aadhaar number, contributing to India's transition to a cashless economy.

Apart from fostering cashless transactions, Aadhaar payments simplify the customer experience by eliminating the reliance on physical cards and numerous passwords. Notably, this method negates the necessity for digital payment wallets or smartphones, making it accessible to a wider demographic.

Account holders whose Aadhaar is linked to their bank account can utilize this service without the need for debit or credit cards or even a mobile phone.

FEATURES

1. BHIM Aadhaar – Union Bank Of India app enables customers to conduct purchase transactions using their Aadhaar number and biometric data (fingerprint).
2. The system ensures interoperability, allowing customers from any bank to make transactions through the BHIM Aadhaar Union Bank Of India app.
3. Merchants can accept customer Aadhaar as a payment method and utilize biometric authentication for the purchase of goods and services.

How to Use the Application:

1. Download and install the application from the Play Store on the merchant's smartphone.
2. Register with personal and business details, followed by verification at a Union Bank branch along with necessary documents to obtain a fingerprint device.
3. Login using biometric authentication.
4. Customers can make purchase transactions through the Merchant Payment App utilizing their biometric data and Aadhaar number.
5. Upon successful Aadhaar authentication, the customer's Aadhaar-linked bank account will be debited, and a positive response will be sent to the Merchant Payment App.
6. Goods or services will only be handed over to the customer after receiving a successful response.