The Prime Minister of India Shri Narendra Modi launched a mobile payment platform as an app, known as BHIM. BHIM represents for Bharat Interface for Money. The app is developed by National Payment Corporation of India (NPCI). The app is basically based on UPI.
UPI is Unified Payment Interface, is a payment system that allow us to send and receive money using our smartphones. It is different from the mobile wallets we use for this, because in UPI, the funds directly transfer from one bank to another without storing the money on any wallet. The benefit is, we can transfer money to anyone without knowing there account number or any other details like IFSC code, branch code, etc. UPI can work both online and offline. We can use it offline using USSD code *99#.
So, Now I will show you the step to step guide to use the BHIM app:-
- Download and Install the BHIM app from Google Playstore (The app is not available for iOS yet)
- Open the app, then you asked to choose language (Hindi or English).
- Then you are asked to verify your mobile number associated with your bank account. Now if you are using a dual-sim smartphone, choose the sim which is associated with your bank account. (The app will verify your number by sending a sms).
- Once the verification is complete, you have to enter a four digit pass-code. (This will used for login to BHIM app every-time you open it).
- After that, you have to choose your bank name, then it will automatically fetch your bank account details through the registered mobile number.
- Now just setup your MPIN through the app, which is basically 6-digit code. (It is used as a password, when you are sending money to anyone)
- Now you will see the option of send money, request money, scan and pay.
Now you are ready with your BHIM app. You can now send or receive money using your mobile number. If you don't want to share your mobile number, you can also generate QR code, that will help you to receive money without sharing your mobile number.
So, the app seems working fine for me. You can share your experience and suggestion through comment section below. I will be happy to hear from you.
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