Bhim App

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BHIM UPI Payment App

BHIM APP (Simple, Easy and Quick):

Bharat Interface for Money (BHIM) is a payment app that lets you make simple, easy and quick transactions using Unified Payments Interface (UPI). You can make direct bank payments to anyone on UPI using their UPI ID or scanning their QR with the BHIM app. You can also request money through the app from a UPI ID.

Pioneered and developed by National Payments Corporation of India (NPCI), BHIM has been conceived and launched by the Hon'ble Prime Minister of India, Narendra Modi on 30th December 2016 to bring in Financial Inclusion to the nation and a digitally empowered society.

You can make direct bank payments to anyone on UPI using their UPI ID or scanning their QR with the BHIM app. You can also request money through the app from a UPI ID.

  • Customers can make instant and direct bank transactions with their mobile number/Virtual Payment address (VPA) and avail services such as:

  • Send money by entering UPI ID, account number or by scanning a QR.

  • Request money from other UPI users by entering their UPI ID.

  • Transfer money using Mobile Number registered with BHIM. You can also dial *99# to link your mobile number

  • Customers can pay by using the Scan and Pay option in which the QR code is scanned

  • Check transaction history, pending UPI collect requests, raising complaints for declined transactions etc.

  • View static QR codes and payment addresses created through customer profile.

  • Switch between multiple bank accounts linked with your BHIM App. You can set/change your UPI PIN or check your balance

  • Customers can check bank account linked to BHIM UPI App and its PIN status. You can also set/change UPI PIN as well as the change bank account linked with BHIM and check balances of the linked account.

How to Access BHIM:-

Customer can Access BHIM by following the below steps:-

  • First time users must download and install BHIM app from the Google Play store

  • Choose your preferred language and select your mobile number (in case of dual sim phones) linked to your bank account

  • Login by setting a 4 digit password

  • Link your bank account and set the UPI PIN by providing the last 6 digits of your debit card and expiry date

  • Go to profile and set up your VPA

  • You can scan and make payments with QR code feature to collect payments anytime.

  • You can send and receive money using your VPA, account number + IFSC, Scan and Pay option

Sending Money on BHIM Using Virtual Payment Address/mobile number/Bank account number and IFSC code:-

  • Open your BHIM app on your smartphone and login with your passcode

  • Select the Send Money option and initiate SEND request

  • Enter the recipient’s VPA/mobile number/Bank account number and IFSC code/ and click verify to check the payee’s name

  • Enter the amount and transaction remark (optional) and click on Pay

  • Enter your UPI PIN

  • Money is transferred to the payees’ account and payment can be confirmed by both parties.

Collecting/Receiving money on UPI BHIM using VPA/Mobile Number/Generated QR code (Dynamic):

  • Open your UPI BHIM app on your smartphone and login with your passcode

  • Select the ‘Receive Money’ option and initiate a request transaction

  • Enter the sender’s VPA/mobile number and click verify to check the payer’s name

  • The requester can see the payer’s name and enter the amount required along with the transaction remark (optional)

  • Money request is sent by the initiator to the payer and the former receives a notification once the payer accepts the money request.

  • Money can also be requested or collected by generating a dynamic QR code - The initiator/requestor must choose the ‘generate QR code option’ and generate the QR code. The code can be shared on E-mail/WhatsApp to request money.

How to scan and pay:

  • Open your BHIM app on your smartphone and login with your passcode

  • Select the Scan and Pay option and pay through QR

  • The app opens a QR scanner where you can scan the QR code

  • Once you see the Payee’s name as fetched by the bank CBS, you must enter the payable amount, transaction remarks (optional) and click on Pay.

  • You will be redirected to the UPIN PIN entry page where you must enter the UPI PIN

  • Money is transferred to the payees’ account and payment can be confirmed by both parties.

Unique features of BHIM:

  • Available for Andriod & iOS Users.

  • Payments can be made in a number of ways including through static and dynamic QR codes, VPA, mobile number, Bank account and IFSC codes etc.

  • You can save your beneficiaries for future references

  • Create/Delete Payment Reminder for making payment by setting validity with frequency(currently 1)

  • Option to access transaction history and request balance anytime

  • Option to create, reset or change UPI PIN

  • Option to report issues by calling bank on the toll free number 1-800-102-4455

Languages: - Available in English, Hindi, Gujrati, Bangla and other regional languages (total 13 language)

Benefits of BHIM:

  • Single app for sending and receiving money and making merchant payments

  • Go cashless

  • Added security of single-click 2 factor authentication

  • Reduced risks and real time transactions

  • 24x7, 365 days instant money transfers

  • Send/receive up-to ₹20,000 per transaction and ₹40,000 per day (total number of transaction 10) per account through BHIM UPI app

I am a Merchant:-

One of the prominent features available in BHIM UPI is that Users can declare themselves as Merchant and received Money instantly from their clients/customers.

How to enrol as a Merchant:

  • Choose the Option “I M Merchant” available in the home Page and enter the following details:-

  • Business Name

  • Communication Address

  • Postal PIN Code.

  • Email ID: Auto populated from profile itself.

  • Select Business Type

  • Settlement Type

  • Create VPA (optional): New VPA can be created for collecting merchant transactions.

  • Click SUBMIT.

Addition of Agent:-

Self-Merchant can add up to 10 agents and Use QR code as a Payment option for collection of money. Master Agent can also check Report, Transaction search through different parameter such as Status of transaction, Amount range, and Date & time duration.

Utility Payment & Recharge Facility (BBPS Services):

With BHIM App the Bank of Baroda Users can make the Instant Utility payments and Recharge facility such as Broadband Post-paid, DTH, Electricity Bill, Gas, Landline Bill, Mobile Post-paid and Water Bill etc.

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