Hi, the accessibility of bheem is pretty good. they are working on the unlabled buttons and improving the accessibility regularly.
On 9/25/17, rajinder Sehgal <jirajin...@gmail.com> wrote: > hi! the 1st thing is without kyc wallet limit is 20,000 > wallets are giving cashback but not intrust. > for cashback we can use phonepe. > i preffered upi because transactions thrugh upi are bank to bank. > i tryed too many upi apps like bhim, yespay, sbipay, pnbupi, chiller, > airtel, and phonepe may be 1 or 2 name apps i forgot. > i found airtel and phonepe apps are fully accessible. > i didn't tryed google tez, but heard that its also accessible. > bhim is good but we have to practice some unlabeled buttons. > phonepe app gives more options like recharge, bills, cashback without > promocode, max refferal income etc. > its own by flipkart then its also giving cashback on purchasing flipkart > site. > > phonepe link is. > https://phon.pe/ru_rajia9bm > > > On 9/25/17, Mahesh S. Panicker <maheshspanic...@gmail.com> wrote: >> Hi Harish ji and all, >> How accessible is the Bhim app? Of course mobile wallets are a major >> benefit for us, particularly after the note changes that have made it >> difficult to identify notes. With wallets, no need to identify notes, >> no need to scramble for change, and the process is easy with wallets >> like Paytm and Mobikwik. They both have come a long way in terms of >> accessibility, there could possibly be the odd button or 2 or region >> or 2 that may create some issues with TalkBack, but effectively they >> are very much accessible. But since the Bhim app is brought out by >> Government of India, and comes with more possibilities of instant >> transfer, would like to give it a go. But my experience with apps from >> the government in recent times have been pretty poor, whether that is >> LIC India or the National Pension Scheme NPS. So would like to know, >> how accessible is the Bhim app? >> Regards, >> >> On 9/25/17, Kotian, H P <hpkot...@rbi.org.in> wrote: >>> Friends >>> I am sharing this article, I have followed it with A FAQ. >>> Regards >>> Harish. >>> >>> >>> >>> The Smart Wallet >>> BY MAMTA SHARMA >>> EARLY THIS YEAR, when I moved from Mumbai to Chennai, language posed a >>> great >>> barrier. It was difficult to call a cab and pay for a ride without help. >>> Then Ola Money, the taxi-hailing company Ola's digital wallet app, saved >>> the >>> day. I simply had to load it with money using net banking or my >>> credit/debit >>> card, and the app was ready to go. On reaching my destination, I paid my >>> fare digitally. It was instant and without the hassles of swiping my >>> card, >>> keying in a 16-digitnumber or logging on to a bank's website involving >>> OTPs. >>> I soon learnt this wallet could do much more-it could help pay phone >>> bills, >>> book flight tickets, order a pizza and even transfer money to another Ola >>> Money account. >>> "Unlike in the West, the Indian economy is culturally cash-intensive. So >>> we'd often prefer to make small payments-say from Rupees 10 to a few >>> hundred >>> rupees-by cash," says Mukul Shrivastava, partner, fraud investigation and >>> dispute services, Ernst & Young, Mumbai. "The newfound comfort of using a >>> digital wallet has a lot to do with our ease with smartphones. These >>> wallets >>> are simple to use and offer the convenience of technology in your palm," >>> he >>> adds. With increasing smartphone penetration and easy access to the >>> internet, this digital payment option is rapidly catching on. A recent >>> study >>> by Google and the Boston Consulting Group forecasts that India's digital >>> payment industry is likely to be worth $500 billion by 2020. Already, >>> mobile >>> wallet companies like Paytm, MobiKwik, Citrus, Freecharge, PayU and >>> others >>> have been making our life easier. Recent Reserve Bank of India (RBI) data >>> show that payments made through mobile wallets have increased from Rupees >>> 29.05 million in 2013-14 to Rupees 205.84 million in 2015-16 and have >>> surpassed mobile banking in terms of volume. >>> If you haven't tried them, you should. Here's a quick guide to digital >>> wallets that will help you use them better. >>> How do you get started? >>> Several e-commerce and telecom companies offer digital wallets. All you >>> need >>> to do is log on to their website on your computer or download their app >>> on >>> your smartphone, sign up with your email or mobile number and transfer >>> funds >>> to your wallet using net banking, IMPS (Immediate Payment Service) or >>> your >>> credit/debit card. Once the money is in your wallet you are all set. >>> Types of wallets: There are three kinds of wallets-closed, semi-closed >>> and >>> open. >>> A closed wallet is issued by a company for buying goods and services >>> exclusively from it. For example, MakeMyTrip's MyWallet helps you manage >>> your booking refunds on the site. >>> Semi-closed wallets are the most common. They can be used at select >>> merchants that have specifically entered into a contract with the >>> wallet-issuing company. The wallet can be used to buy goods and services, >>> including financial services, but you cannot use it to withdraw or redeem >>> cash. Paytm, MobiKwik, Citrus and Oxigen are some options in the >>> semi-closed-wallet space. >>> An open wallet can only be issued by banks. These function pretty much >>> like >>> semi-closed wallets but allow cash withdrawals at ATMs. Vodafone's M-Pesa >>> in >>> partnership with ICICI Bank is one such wallet. "This is driven through >>> the >>> business correspondent model that enables us to offer our customers a >>> cash-out facility," says Suresh Sethi, business head, M-Pesa, Vodafone >>> India. "They can place their request for cash-out to any of the 1,20,000 >>> M-Pesa agents or the 10,000 Vodafone retail touch-points." Vodafone also >>> offers M-Pesa as a semi-closed wallet. >>> How much money can an e-wallet hold? >>> As per RBI guidelines, digital wallets without KYC (Know Your Customer) >>> compliance come with a monthly maximum transaction limit of Rupees >>> 10,000. >>> You have the option to upgrade your wallet and store up to Rupees >>> 1,00,000 >>> after following a verification process. Much like a prepaid mobile phone >>> connection, you recharge your wallet by transferring funds to it. >>> Where can you use them? >>> Wallets can be used to pay utility bills or shop online for products such >>> as >>> electronics, clothes or even groceries. You also get to enjoy other >>> benefits >>> like cashbacks and discounts on your purchases. Some wallets can also be >>> used offline. You could use them at supermarkets or petrol pumps that >>> have >>> tie-ups with wallet-issuing companies. For example, in some cities like >>> Kolkata, autorickshaw drivers have started accepting payments through >>> Paytm. >>> How safe are these? >>> Digital wallets are generally safe once locked with a PIN. Also, >>> wallet-issuing companies ensure that they offer a secure payment >>> environment >>> to their customers. The security compliance policies of these companies >>> are >>> in line with global security standards that protect your identity along >>> with >>> your bank details, and credit and/or debit card numbers. >>> Since the amount stored in your wallet is usually not more than Rupees >>> 10,000, the risk involved is limited. However, there have been cases >>> where >>> wallets have been hacked into and funds misused and moved into other >>> accounts. >>> "Cyber security is not absolute. So, even if we assume that the >>> wallet-issuing companies are 100 per cent secure, as consumers you are >>> still >>> at risk," warns Saket Modi, ethical hacker and CEO of Lucideus Tech, an >>> IT >>> risk assessment and digital security services provider that renders >>> security >>> solutions to the Government of India, financial institutions and >>> e-commerce >>> enterprises. Do bear in mind that your e-wallet is your digital identity >>> and >>> you are vulnerable to risks if you are not careful with your >>> transactions. >>> "Protecting your identity is as much your responsibility as the wallet >>> service provider's," says Modi. "If the portal is safe and you lose money >>> because of your negligence, legally, the wallet company is not liable to >>> pay >>> for your losses." >>> Be cautious with your online transactions "The quantum of online fraud is >>> very high. So, while your digital wallet offers convenience, you will >>> need >>> to exercise caution, as you would with any of your monetary >>> transactions," >>> warns Shrivastava. >>> "Cyber awareness in our country is considerably low, given the extent to >>> which we depend on technology," says Karnika Seth, Delhi-based cyber law >>> expert and advocate, Supreme Court of India, who is also the founding >>> director of FIRE (Foundation for Institutional Reform & Education), an >>> NGOworking to spread legal and cyber awareness. "Companies dealing with >>> sensitive financial information of consumers should use robust techniques >>> to >>> guard their data and engage regularly with customers to increase >>> awareness," >>> she adds. >>> The modus operandi of criminals keeps changing, warns Seth. They catch up >>> with technology faster than users: By the time users are cautioned about >>> a >>> technique used to hack data, fraudsters come up with another method. >>> Adopt >>> a >>> few simple measures to protect yourself. Read all the terms and >>> conditions >>> before you sign up. Do not share your passwords or PINs with anyone. >>> Download apps from an app store and not through random links. Also, >>> ensure >>> your smartphone is password-protected. >>> ROM.COM >>> Saying "I love you" for the first time is like guessing the Wi-Fi >>> password >>> for someone's heart. >>> >>> Unified Payments Interface (UPI) FAQ >>> >>> >>> 1. What is UPI? >>> Unified Payments Interface (UPI) is an instant payment system developed >>> by >>> the National Payments Corporation of India (NPCI), an RBI regulated >>> entity. >>> UPI is built over the IMPS infrastructure and allows you to instantly >>> transfer money between any two parties' bank accounts. >>> 2. What is an UPI-PIN? >>> UPI-PIN (UPI Personal Identification Number) is a 4-6 digit pass code you >>> create/set during first time registration with this App .You have to >>> enter >>> this UPI-PIN to authorize all bank transactions. If you have already set >>> up >>> an UPI-PIN with other UPI Apps you can use the same on BHIM. (Note: Banks >>> issued MPIN is different from the UPI UPI-PIN, please generate a new >>> UPI-PIN >>> in the BHIM app) Note: Please do not share your UPI-PIN with anyone. BHIM >>> does not store or read your UPI-PIN details and your bank's customer >>> support >>> will never ask for it. >>> 3. What is a Payment Address? >>> Payment Address is an Address which uniquely identifies a person's bank >>> a/c. >>> For instance, the Payment Address for BHIM customers is in the format >>> xyz@upi. You can just share your Payment Address with anyone to receive >>> payments (no need for bank account number/ IFSC code, etc.). You can also >>> send money to anyone by using their Payment Address. Note: Do not share >>> your >>> confidential UPI PIN with anyone. >>> 4. What happens if I enter wrong UPI-PIN during a transaction? >>> No problem, the app will prompt you to re-enter the correct UPI-PIN. The >>> maximum number of tries allowed, depends on your bank. Please check with >>> your bank for details. >>> 5. I have selected the Bank name to link with UPI but it does not find my >>> bank a/c. >>> In such a case, please ensure that the mobile number linked to your bank >>> account is same as the one verified in BHIM App. If it is not the same, >>> your >>> bank accounts will not be fetched by the UPI platform. Also only Savings >>> and >>> Current bank accounts are supported by BHIM. >>> 6. Why is my UPI transaction failing? >>> UPI transaction can fail due to multiple reasons most likely due to >>> connectivity issues to the banking system, incorrect Payment Address >>> entered >>> or wrong UPI PIN entry. If your transaction fails, please try again. If >>> it >>> doesn't work, please contact customer support. Our e-mail : >>> cont...@npci.org.in 7. How do I pay an online merchant through UPI? >>> When you shop-online, you can pay through UPI when you see UPI as a >>> payment >>> option. On clicking that, you will need to enter your Payment Address >>> (xyz@upi). Once entered, you will receive a collect request on your BHIM >>> app. Enter your UPI-PIN here and your payment will be complete. As easy >>> as >>> this! >>> 8. Do money transfers happen on UPI only during banking hours? >>> All payments are instant and 24/7, regardless of your bank's working >>> hours! >>> 9. I have paid for my transaction but not received anything. Why is that? >>> Once you complete a transaction, you should see a success status on the >>> BHIM >>> screen and receive an SMS from your bank. In some cases due to operator >>> issues it can take longer time. In case you have not received your >>> confirmation within an hour please contact our customer support at your >>> bank. >>> >>> 10. How can I view my transaction history? >>> Go to Home Screen ->Transaction History, to view all your past and >>> pending >>> transactions. >>> 11. How is UPI different from IMPS? >>> UPI is providing additional benefits to IMPS in the following ways: >>> * Provides for a P2P Pull functionality >>> * Simplifies Merchant Payments >>> * Single APP for money transfer >>> * Single click two factor authentication >>> >>> 12. Does a customer need to register before remitting funds using UPI? >>> Yes, a customer needs to register with his/her PSP before remitting funds >>> using UPI and link his accounts 13. Does the customer need to register a >>> beneficiary before transferring funds through UPI? What details of >>> beneficiary will be required? >>> No, registration of Beneficiary is not required for transferring funds >>> through UPI as the fund would be transferred on the basis of Virtual ID/ >>> Account+IFSC / Mobile No+MMID / Aadhaar Number. (Please check with your >>> PSP >>> and Issuing bank with regard to the services enabled on the App). >>> 14. Does customer need to have a bank account or this can be linked to a >>> card or wallet? >>> No, customer cannot link a wallet to UPI, only bank accounts can be >>> added. >>> 15. Can I use more than one UPI application on the same mobile if they >>> are >>> linked to different bank accounts? >>> Yes, one can use more than one UPI application on the same mobile and >>> link >>> both same as well as different accounts. >>> 16. Does the beneficiary also have to register for UPI for receiving >>> funds? >>> In case of Virtual ID transaction, the beneficiary needs to have a >>> Virtual >>> ID and in turn be registered with UPI but in case of Account+ IFSC or >>> Mobile+ MMID, Aadhaar number, the beneficiary need not be registered for >>> UPI. (Please check with your PSP and Issuing bank with regard to the >>> services enabled on the App). >>> 17. What happens if my mobile phone is lost? >>> In case of mobile loss, one needs to simply block his mobile number thus >>> no >>> transaction can be initiated from the same mobile number which is a part >>> of >>> device tracking and at the same time MPIN would be required for any >>> transaction which is not to be shared with anyone. >>> 18. Can I link more than one bank account to the same virtual address? >>> Yes, several bank accounts can be linked to the same virtual address >>> depending on the functionalities being made available by the respective >>> PSPs. >>> 19. What are the different channels for transferring funds using UPI? >>> The different channels for transferring funds using UPI are: >>> 1. Transfer through Virtual ID >>> 2. Account Number + IFSC >>> 3. Mobile Number + MMID >>> 4. Aadhaar Number >>> 5. Collect / Pull money basis Virtual ID >>> >>> 20. What if my account is debited but the transaction does not go >>> through? >>> >>> UPI provides for real time reversals for declines and amount would be >>> transferred back to the payer account immediately. >>> >>> 21. Can I put a stop payment request for funds transferred by UPI? >>> >>> No, once the payment is initiated, it cannot be stopped. >>> >>> 22. Where do I register a complaint with reference to the UPI >>> transaction? >>> >>> You can also raise your grievance or check status of UPI transaction >>> through >>> the UPI App of the participating banks. >>> >>> 23. What is the limit of fund transfer using UPI? >>> >>> At present, the upper limit per UPI transaction is Rs. 1 Lakh. >>> >>> 24. If I change my UPI app will I be required to register again or I can >>> carry the same virtual address? >>> >>> In case of change in UPI App, a person needs to re-register and it >>> depends >>> on the PSP whether same virtual ID can be used with necessary checks they >>> can establish. >>> >>> 25. What happens if I forget my pin? >>> >>> In case someone forgets the MPIN, he needs to re-generate new PIN using >>> his >>> debit card details (last six digit of debit card & Expiry date). >>> >>> 26. Will I be able to use UPI after I change my sim or mobile? >>> >>> In case of change in sim/mobile/application of the PSP, customer would >>> require to re-register themselves for UPI. >>> >>> 27. Will I be able to use UPI across all Mobile platforms? >>> >>> Yes, UPI is available on Android and it will be made available on IOS >>> soon. >>> 28. What is the timeline to approve a collect request by a payer? >>> >>> The timeline to approve a collect request needs to be defined by the >>> requester. The default time is 30 min. >>> 29. In case my mobile is used by another person, will there be any >>> security >>> breach? >>> >>> In any transaction through UPI, PIN would be required which needs to be >>> fed >>> through the mobile at the time of any transaction making it safe and >>> secured. >>> 30. My send money transaction is failing, help! >>> >>> To avoid transaction failures, >>> * Ensure that the UPI-PIN is entered correctly. >>> * If the receiver is not on BHIM choose to pay via IFSC instead of mobile >>> number. >>> >>> 31. What if I change my mobile carrier? >>> >>> No problem at all. You can continue using BHIM as usual. >>> 32. What if I change my handset? >>> >>> If you change your handset, you will need to * Download the BHIM app >>> again >>> * >>> Login with your mobile number and password * Allow BHIM to verify you. >>> This >>> is for your security. After verification your account will be restored. >>> >>> 33. Will you ever auto-deduct payments from my account? >>> >>> We will not auto deduct payments from your account. >>> 34. How are you getting all my bank a/c information? >>> >>> This is a feature of the UPI payment platform (built by NPCI- an RBI >>> regulated entity). The UPI platform retrieves the accounts details linked >>> with your mobile number in a masked manner i.e. BHIM can't see all the >>> details. This exchange is done over secure banking networks and we don't >>> store or ever use it. >>> 35. What if I lose my phone? >>> >>> If you lose your phone, the UPI-PIN required to authorize all transaction >>> will not be known to any third person and hence they will not be able to >>> use >>> BHIM. In addition, please contact our customer support at your bank. >>> 36. My UPI transaction has failed but my bank account has been debited. >>> >>> In case of failures money will be refunded back to your account. >>> Sometimes >>> this takes longer than intended. If you do not receive the refund within >>> 1 >>> hour, please contact customer support at your bank. >>> 37. How do I set my UPI-PIN with the bank directly? >>> >>> You will be able to set your UPI PIN through any other UPI enable Bank >>> app. >>> >>> source: http://www.npci.org.in/UPI_FAQs.aspx >>> >>> >>> ________________________________ >>> >>> Caution: The Reserve Bank of India never sends mails, SMSs or makes calls >>> asking for personal information such as your bank account details, >>> passwords, etc. It never keeps or offers funds to anyone. Please do not >>> respond in any manner to such offers, however official or attractive they >>> may look. >>> >>> >>> Notice: This email and any files transmitted with it are confidential and >>> intended solely for the use of the individual or entity to whom they are >>> addressed. If you are not the intended recipient, any dissemination, use, >>> review, distribution, printing or copying of the information contained in >>> this e-mail message and/or attachments to it are strictly prohibited. If >>> you >>> have received this email by error, please notify us by return e-mail or >>> telephone and immediately and permanently delete the message and any >>> attachments. The recipient should check this email and any attachments >>> for >>> the presence of viruses. The Reserve Bank of India accepts no liability >>> for >>> any damage caused by any virus transmitted by this email. >>> >>> >>> The list has now migrated to www.accessindia.inclusivehabitat.in >>> >>> You should now post to the id: a...@accessindia.inclusivehabitat.in >>> >>> >>> >>> >>> Search for old postings at: >>> http://www.mail-archive.com/accessindia@accessindia.org.in/ >>> >>> To unsubscribe send a message to >>> accessindia-requ...@accessindia.org.in >>> with the subject unsubscribe. >>> >>> To change your subscription to digest mode or make any other changes, >>> please >>> visit the list home page at >>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>> >>> >>> Disclaimer: >>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >>> the >>> person sending the mail and AI in no way relates itself to its veracity; >>> >>> 2. AI cannot be held liable for any commission/omission based on the >>> mails >>> sent through this mailing list.. >>> >> >> >> -- >> Dr. Mahesh S. Panicker >> Assistant Professor, >> Department of Political Science, >> Lady Shri Ram College for Women, >> Lajpat Nagar >> New Delhi 110024 >> >> The list has now migrated to www.accessindia.inclusivehabitat.in >> >> You should now post to the id: a...@accessindia.inclusivehabitat.in >> >> >> >> >> Search for old postings at: >> http://www.mail-archive.com/accessindia@accessindia.org.in/ >> >> To unsubscribe send a message to >> accessindia-requ...@accessindia.org.in >> with the subject unsubscribe. >> >> To change your subscription to digest mode or make any other changes, >> please >> visit the list home page at >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >> >> >> Disclaimer: >> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >> the >> person sending the mail and AI in no way relates itself to its veracity; >> >> 2. AI cannot be held liable for any commission/omission based on the mails >> sent through this mailing list.. >> > > The list has now migrated to www.accessindia.inclusivehabitat.in > > You should now post to the id: a...@accessindia.inclusivehabitat.in > > > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of the > person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > -- Best Regards Sadaf Khan Lateral Recruitment Intern Ernst & Young Services Private Limited The list has now migrated to www.accessindia.inclusivehabitat.in You should now post to the id: a...@accessindia.inclusivehabitat.in Search for old postings at: http://www.mail-archive.com/accessindia@accessindia.org.in/ To unsubscribe send a message to accessindia-requ...@accessindia.org.in with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in Disclaimer: 1. Contents of the mails, factual, or otherwise, reflect the thinking of the person sending the mail and AI in no way relates itself to its veracity; 2. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list..
