How to use BHIM app?

On the home screen, the app has three options. Send money, request money and scan and pay.

Send money: The option is simple to use. Tap on it > enter the phone number of the person who is going to receive the money. The number will be verified and if a UPI/BHIM account has been set up for that number, the app will accept the number and will take you to the next screen where you can put in the money and send it.


If there is no number or UPI ID, you can also send the money using Bank Account + IFSC code. To access this option, click on three dots (settings) on the send money page.

Request money: Again, tap on the request button. Put in the number, let the app verify it. Once the verification is done, you can request the money.

Scan and pay: This is the place where QR codes come into picture. The app generates a QR for every users, which can then be shared or printed and pasted. To make a payment to the QR code owner, just scan it and pay.

A couple of other points

* The app has a very simple interface and is easy to use, but for now we are reserving our thoughts on its security aspect. On the face of it, the app seems as secure as a banking app with PIN etc in place. But we need to know more about the app before commenting on this aspects.

*The app does have its share of teething problems right now. Out of five attempts two will fail because of some problems, mostly with network. But we think these seem to be minor issues that will be fixed soon.

*The list of supported banks within the app is still small. All the biggies are there. But many like Yes Bank are not.

Thanks

Source Link : http://technewsexpert.com/bhim-app-how-to-set-it-up-how-to-use-ampamp-everything-else-you-may-want-to-know/

How to Setup BHIM App ?

You will require.

To use BHIM you need a smartphone. The better the phone is, the better it is in terms of usability of BHIM. You also need an internet connection. PM Modi talks about how BHIM doesn’t require internet. But we are not sure about that bit. Currently you do need internet to install and use BHIM but may be in future the app may work solely with USSD in case internet is not available. But this is one point on which there is not enough clarity.

So to recap: You will require a nice Android phone and you will need internet connection. You will also need a working SIM that is required for number verification.


How to set it up

— Download BHIM app from Google Play store.
https://play.google.com/store/apps/details?id=in.org.npci.upiapp

— Depending on your internet connection it will take from several seconds to a few minutes to install.

— Once installed, open the app. It has a very simple user interface. It will tell you the purpose of the app and ask you to click Next button several times.

— If there is an error (see the screenshot), try again. The app is right now slightly slow and occasionally fails to connect. But try again.

— The app will now verify your phone number by sending a message to its servers. Once the number verification is done, it will ask you to set up the BHIM PIN. This is actually the UPI PIN. Set it up.

— The app will now show you the list of banks. Select your bank from the list. Using your phone number, the BHIM app will automatically fetch the details of your bank account.

— The app will also generate a QR code for your ID as well as give you the UPI ID using your number that you can pass around to make transactions.

About BHIM

What is BHIM?

On Friday 30th December 2015, Prime Minister Narendra Modi launched BHIM app. The acronym stands for Bharat Interface for Money and the app, which is available for Android devices at present and will soon be launched for iOS, can be used to make cashless monetary transactions. “I am giving the nation my gift for the new year in the form of BHIM,” Modi said at the Digi Dhan Mela in New Delhi.  And at first instance it looks like a pretty cool app.

The great bit about the BHIM app is its simplicity and how, in one fell swoop, it makes the cashless transactions very easy. In apps like Paytm and MobiKwik you have to recharge your e-wallet to use them. There is no such thing here in BHIM. It directly connects to your bank account — one account that you can specify — and then you can use it to make payments, receive money and make transfers. It uses UPI through which all the major banks in India are now connected. The transactions are instant, although there is a limit of Rs 10,000 per transaction. Also you can’t make transaction worth more than Rs 20,000 in 24 hours.

The security of the app still needs some scrutiny but if it all works as intended, BHIM is going to be big. Like really big for India. It won’t be the Chhota Bhim.