TERMS AND CONDITIONS FOR ONLINE PAYMENTS
Terms of Services
Introduction:
These terms and conditions apply to the User who uses the Online Services provided for any payment made to The Arya Vaidya Chikitsalayam & Research Institute (AVCRI). Kindly read these terms and conditions carefully. By authorizing a payment to AVCRI through the online payment service ("the service"), it would be treated as a deemed acceptance to these terms and conditions. AVCRI reserves all the rights to amend these terms and conditions at any time without giving prior notice. It is the responsibility of the User to have read the terms and conditions before using the Service.
Key terms:
The following is a summary of the key terms of this service:
•Payment(s) through this Service may only be made with a Credit Card, Debit card, UPI, Wallets, NEFT/Bank Transfer or Net Banking.
•Before using this Service, it is recommended that the user shall make necessary enquiry about the charges or fees payable against the Credit/Debit card used from Credit Card or the Debit Card service provider i.e. the respective Bank.
•The credit card information supplied at the time of using the service is processed by the payment gateway of the service provider and is not supplied to AVCRI. It is the sole responsibility of the User of the service to ensure that the information entered in the relevant fields are correct. It is recommended that you take and retain a copy of the transaction for record keeping purposes, which might assist in resolution of any disputes that may arise out or usage of the service.
•The Applicant agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card/net banking transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that AVCRI or the Payment Service Provider(s) have no control over such matters.
•The service is provided using a payment gateway service provider through a secure website. However, neither the payment gateway service provider nor AVCRI gives any assurance, that the information so provided online by a user is secured or may be read or intercepted by a third party. AVCRI does not accept or assume any liability in the event of such unauthorized interception, hacking or other unauthorized access to information provided by a user of the service.
•AVCRI and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall AVCRI and/or the Payment Service Providers, its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Service.
•The Applicant agrees that AVCRI or any of its employees will not be held liable By the Applicant for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond AVCRI’s reasonable control.
Debit/Credit Card, Bank Account Details:•
The Applicant agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the Applicant shall not use a Debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The Applicant further agrees and undertakes to Provide correct and valid debit/credit card details.
No warranty:
No warranty, representation or guarantee, express or implied, is given by AVCRI in respect of the operation of the service.
Disclaimer and Limitation of liability:
AVCRI does not accept liability for any damage, loss, cost (including legal costs), expenses, indirect losses or consequential damage of any kind which may be suffered or incurred by the User from the use of this service.
Governing law:
These terms and conditions are governed by the laws of India and the competent courts at Coimbatore shall have exclusive jurisdiction.
Dispute Resolution:
Any dispute arising in relation to the terms and conditions will be submitted to a sole arbitrator appointed by AVCRI under the provisions of the Arbitration and Conciliation Act, 1996 and rules framed there under. The venue of Arbitration shall be at Coimbatore.
These terms and conditions apply to the User who uses the Online Services provided for any payment made to The Arya Vaidya Chikitsalayam & Research Institute (AVCRI). Kindly read these terms and conditions carefully. By authorizing a payment to AVCRI through the online payment service ("the service"), it would be treated as a deemed acceptance to these terms and conditions. AVCRI reserves all the rights to amend these terms and conditions at any time without giving prior notice. It is the responsibility of the User to have read the terms and conditions before using the Service.
Key terms:
The following is a summary of the key terms of this service:
•Payment(s) through this Service may only be made with a Credit Card, Debit card, UPI, Wallets, NEFT/Bank Transfer or Net Banking.
•Before using this Service, it is recommended that the user shall make necessary enquiry about the charges or fees payable against the Credit/Debit card used from Credit Card or the Debit Card service provider i.e. the respective Bank.
•The credit card information supplied at the time of using the service is processed by the payment gateway of the service provider and is not supplied to AVCRI. It is the sole responsibility of the User of the service to ensure that the information entered in the relevant fields are correct. It is recommended that you take and retain a copy of the transaction for record keeping purposes, which might assist in resolution of any disputes that may arise out or usage of the service.
•The Applicant agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card/net banking transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that AVCRI or the Payment Service Provider(s) have no control over such matters.
•The service is provided using a payment gateway service provider through a secure website. However, neither the payment gateway service provider nor AVCRI gives any assurance, that the information so provided online by a user is secured or may be read or intercepted by a third party. AVCRI does not accept or assume any liability in the event of such unauthorized interception, hacking or other unauthorized access to information provided by a user of the service.
•AVCRI and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall AVCRI and/or the Payment Service Providers, its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Service.
•The Applicant agrees that AVCRI or any of its employees will not be held liable By the Applicant for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond AVCRI’s reasonable control.
Debit/Credit Card, Bank Account Details:•
The Applicant agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the Applicant shall not use a Debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The Applicant further agrees and undertakes to Provide correct and valid debit/credit card details.
- The Applicant may pay his/ her application/initial fees to AVCRI by using a debit/credit card or through online banking account. The Applicant warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details.
- The Applicant is fully and lawfully entitled to use such credit / debit card, bank account for such transactions.
- The Applicant is responsible to ensure that the card/ bank account details provided by him/ her are accurate.
- The Applicant authorizes debit of the nominated card/ bank account for the Payment selected by such Applicant along with the applicable Fees.
- The Applicant is responsible to ensure that sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the Payment payable or fees selected by the Applicant.
No warranty:
No warranty, representation or guarantee, express or implied, is given by AVCRI in respect of the operation of the service.
Disclaimer and Limitation of liability:
AVCRI does not accept liability for any damage, loss, cost (including legal costs), expenses, indirect losses or consequential damage of any kind which may be suffered or incurred by the User from the use of this service.
Governing law:
These terms and conditions are governed by the laws of India and the competent courts at Coimbatore shall have exclusive jurisdiction.
Dispute Resolution:
Any dispute arising in relation to the terms and conditions will be submitted to a sole arbitrator appointed by AVCRI under the provisions of the Arbitration and Conciliation Act, 1996 and rules framed there under. The venue of Arbitration shall be at Coimbatore.
Refund/Cancellation Policy:
Fees once paid will not be refunded under any circumstances.
In case of Payment made twice for the same purchase, refund of one payment will be made and the applicant bares the transaction fee of it.
In case of Payment made twice for the same purchase, refund of one payment will be made and the applicant bares the transaction fee of it.
Privacy Policy:
In General parent / guardian / student may browse this website for obtaining any data or information. However, in order to access the classified information, one needs to use the credentials provided as a Parent / Guardian / Staff / Student user.
- The information provided by the user on this website shall be kept confidential and shall not be shared with anyone. The DATA will neither be made accessible to third parties nor transferred in any form or manner unless required by law.
- AVCRI may share your personal information with our bankers for clearing necessary payments. This information shall be strictly up to the legal permissible limit and not exceeding.
- If payment is made by means of a card that you do not personally own, the permission of the card owner must always be obtained to make payments using the card. In using the system you confirm that you have such permission.
- Information related to payments using debit or credit card is not accessed or stored by the Institute.
- No Warranty: The information and materials contained in this site including, graphics, links or other items are provided as on “As Is” and “As Available” basis by the Institute which organized and tries to provide information accurately and expressly disclaims liability for error or omission in this information and materials. No warranty of any kind, implied, express or statutory shall be given by the Institute shall not be limited to the warranty of fitness for a particular purpose and freedom from computer virus is given in conjunction with the information and materials.
- Limitation of Liability: In no event, AVCRI will be liable for any damage direct or indirect losses or expenses arising in connection with site or use thereof inability to use by any person delay of operation or transaction, computer virus etc.
Security:
All payment details which are entered through this payment gateway are encrypted when the user, or third party making payment, enters them. The site is secure and uses 128-bit encryption to offer secure communications by encrypting all data to and from the site. AVCRI shall not be liable for any failure by the user or third party making payment to properly protect data from being seen on their screen by other persons or otherwise obtained by such other persons, during the Online Payment process or in respect of any omission to provide accurate information in the Course of the Online Payment Process.
Frequently Asked Questions (FAQ) on Digital Payments
1. What is Digital Payment Transaction?
Digital payment transaction means transaction in which the customer authorizes the transfer of money through electronic means, and the funds flow directly from one account to another.
2. What are methods of Digital Payments?
Digital Payment transactions can be done through several means. Some of them are Bharat Interface for money (BHIM), BHIM Aadhaar, Bharat QR Code, Unified Payments Interface (UPI), Unstructured Supplementary Service Data (USSD), Immediate Payment Service (IMPS), Debit / Credit Cards, National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS) etc.
3. What are the benefits of adopting digital payments?
Digital payment methods offer many benefits, such as
FAQ- Bharat Interface for Money (BHIM)1. What is BHIM?
BHIM is a mobile application (app) which enables easy real time fund transfer using a single identity like mobile number or name. BHIM is based on Unified Payments Interface (UPI).
2. How fast is a transaction over BHIM?
All payments over BHIM is linked to bank account and transaction can be completed within few seconds.
3. Are there any charges for using BHIM?
There are no charges for making transaction through BHIM. However, banks may levy a nominal charge as UPI or IMPS transfer fee. Please check with your bank for more details.
4. In how many languages is BHIM available?
BHIM is currently available in 12 languages, i.e., Hindi, English, Tamil, Telugu, Malayalam, Bengali, Odiya, Kannada, Punjabi, Assamese, Marathi and Gujarati.
5. What is VPA?
A Virtual Payment Address (VPA) is an address which uniquely identifies a person's bank a/c. For instance, the Virtual Payment Address for BHIM customers is in the format xyz[at]upi. User can just share his VPA with anyone to receive payments (no need for bank account number/ IFSC code, etc.). User can also send money to anyone by using their Payment Address. Note: Do not share your confidential UPI PIN with anyone.
6. Who can use BHIM?
Any user having a smartphone and bank account is eligible to use BHIM. However, as a prerequisite, you need your mobile number registered with the bank and a debit card linked to that account. You can download the app from playstore or appstore.
7. How does BHIM verify my mobile number and what is the process?
After you install and run the app, it will ask for language selection. After selecting the language, the application will send a SMS to verify and register the mobile number.If this step is successful, you will see a screen which will display registration successful. A default VPA “mobile number[at]upi” will be created.
FAQ- BHARAT QR1. What is QR Code?
QR code is the digital form of barcode inscribed with details about a product or a company. It can be used to seek information, learn about something or pay for items bought by scanning the QR code via camera sensor.
2. What is Bharat QR?
Bharat QR is a QR based payment solution which represents a new channel of initiating and accepting payments between buyers and sellers (or consumers and merchants) using the mobile phone. This solution has been jointly set up by NPCI, Visa and MasterCard which is capable of digitizing a payment transaction between consumers and merchants by setting up an ecosystem where a Quick Response (QR) code is used as the form factor to represent the payee (merchant) for accepting payments.
These QR Codes are deployed at merchant locations for customer-initiated retail transactions and allows the customer to be in control of initiating & authenticating the payment to merchant without providing the merchant any of his/her credentials.
3. How Bharat QR works?
Bharat QR works as an alternate channel of payment, where cardholder have to download his/her bank’s Bharat QR enabled mobile app & scan the Bharat QR code at Merchant store and select cards to make payment. Once the payment is successful both cardholder and merchant receive notification in mobile application for successful transaction.
4. How is Bharat QR transaction different from POS transaction?
Bharat QR transactions is different from POS transactions. Since in POS transaction, POS terminal is required whereas, QR code is required for doing payment in Bharat QR mode of payment.
Also, in case of Bharat QR transaction, the mobile phone is used to scan the QR Code placed at the merchant outlet and make the payment using the RuPay Card linked to the mobile application.
5. Where can I use Bharat QR to make purchase?
Just look for the Bharat QR code mark (displayed by the merchant at his location in case of static QR / on merchants App in case of dynamic QR) wherever you wish to pay.
6. How is Bharat QR code different from other QR code in market?
In comparison to other QR codes in market, Bharat QR code has lots of additional data elements for security like merchant name, address and Merchant Bank information. Bharat QR code is much more widely acceptable and secure than other QR codes. In Bharat QR code, Cardholder of RuPay, Visa, MasterCard and Amex can scan Bharat QR code for payment, which is not possible in other QR code solution.
7. What are basic requirements for enablement for Bharat QR?
a) To scan the QR code, a mobile application is required, which will be provided by your the Bank. (Please contact your bank to know the name of mobile app and download from google play store / Apple play store.
b) For Merchant to deploy Bharat QR code, they need to contact his / her respective Bank and get the application.
8. Are Bharat QR & BHIM QR Same?
BHIM is both P2P and P2M and each QR based transactions are dynamic with provision of transaction id for each payment. BHIM transactions are generated from UPI applications, whereas Bharat QR is P2M and payment is done via cards i.e. Debit card/Credit Card/ Pre-paid Card.
9. How can the smartphone be enabled for payment through Bharat QR?
In order to enable Bharat QR on the smart phone, the cardholder should follow the below mentioned steps:
a. Download the Bank’s Application which supports Bharat QR from google play store.
b. Do one time registration for linking the debit/credit card with Bank’s application
c. Go to the merchant store where payments through Bharat QR code is accepted
d. Scan Bharat QR icon in application to make payment through Bharat
10. Can I use my RuPay Card for payments through Bharat QR?
Yes, any RuPay card (Debit / Prepaid / Credit / Virtual Card) which is linked to the customer’s account / wallet can be used to make payments through Bharat QR
11. Does a customer need to register for Bharat QR transactions?
Yes, the card holder has to do one time registration of card in the mobile application and link the card with application to make payments through Bharat QR.
12. How can RuPay card be linked for payment through Bharat QR?
Cardholders have to register himself/herself with their respective Bank’s Bharat QR enabled mobile banking application.
Upon login, Cardholder needs to click add/link card tab given in the app.
13. How will the customer be informed/notified about the successful transaction?
Customer will receive notification on the mobile banking application / through SMS confirming that the transaction has been performed successfully.
14. Are there any charges for using Bharat QR?
There are no additional charges for making transaction through Bharat QR.
15. Can I link multiple bank card on same App?
At the time of account set-up, you can link same bank card with the same bank App. It can link multiple cards of the same bank in a single app.
16 How can I access a record of all historical transactions?
Every transaction will reflect on your bank account statement and you can also view the past transactions in the 'Transaction History' section of the App.
17. Do my mobile number with Bharat QR app and the one registered with my bank account have to be the same?
Yes. This is a banking network requirement. The mobile number which is used to transact with Bharat QR enabled app is used to match the bank accounts linked against it. This is used as one factor of authentication.
18. Can the existing wallet be used for payment through Bharat QR?
Yes, if the functionality of the existing wallet is/has an option for payments via prepaid card.
19. What should the customer do if the transaction has failed?
The cardholder needs to do following steps-
a. Cardholder have to click on the transaction history tab given in the app.
b. Record the failed transaction details.
c. Report to issuing bank with the failed transaction details.
20. What happens if the customer’s account has been debited and merchant has not received the payment?
In case the cardholder’s account is debited but the merchant has not received the payment, the money will be automatically refunded back into cardholders account.
Sometimes this takes longer than intended. Incase if cardholder does not receive the refund within 24 hours, customer should contact customer support of the bank. Cardholder can also raise a chargeback through proper channel as prescribed by respective banks.
21. What happens if the credentials while doing Bharat QR payment are entered wrong?
No problem, the mobile application will prompt you to re-enter the correct PIN. The maximum number of tries allowed, depends on your bank. Please check with your bank for details.
FAQ - Unified Payments Interface (UPI)1. What is UPI?
Unified Payment 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 enables instant money transfer 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 that any user create/set during first time registration with this App. It is necessary to enter this UPI-PIN to authorize all bank transactions. If user has already set up an UPI-PIN with other UPI Apps he/she can use the same on BHIM.
3. What is a Payment Address?
A Virtual Payment Address (VPA) is an address which uniquely identifies a person's bank a/c. For instance, the Virtual Payment Address for BHIM customers is in the format xyz[at]upi. User can just share his VPA with anyone to receive payments (no need for bank account number/ IFSC code, etc.). User can also send money to anyone by using their Payment Address. Note: Do not share your confidential UPI PIN with anyone.
4. How do I pay an online merchant through UPI?
While shopping online, user can pay through UPI when UPI is available as a payment option. User will need to enter his/her Virtual Payment Address (xyz[at]upi), Subsequently, user will receive a collect request on the BHIM app. User is just required to enter the UPI-PIN to complete the payment.
5. Do money transfers happen on UPI only during banking hours?
All payments are instant and 24/7, regardless of bank's working hours.
FAQ - Immediate Payment Service (IMPS)1. What is IMPS?
Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service available through mobile banking, Internet Banking, etc.
2. What are the benefits of IMPS?
3. How do I get IMPS enabled?
Sender needs to perform Mobile Banking Registration if he/she wants to initiate the transaction through mobile channel. For internet, ATM and bank branch channels, mobile registration is not required.
Receiver should collect his/her MMID from bank and share with sender or alternatively share his/her Account number & IFS code or Aadhaar number for receiving money. The receiver can register his/her mobile no. for getting SMS alerts for transactions.
4. How do I transfer funds using IMPS?
The following channels may be used to initiate IMPS transactions.
· MMID & Mobile no. or Account number & IFS Code or Aadhaar number
5. Does the customer need to register to remit the funds through IMPS?
For using IMPS on mobile phones, a customer will have to register for mobile banking with his/her individual bank. However, for initiating IMPS using Bank branch, Internet banking and ATM channels, no prior Mobile banking registration is required.
FAQ- BHIM-Aadhaar-Pay1. What is BHIM-Aadhaar-Pay?
BHIM-Aadhaar Pay is a payment mechanism which allows the customer to make payments to merchants without any mobile phone, using his/her Aadhaar number through a STQC certified biometric device. It enables merchants to accept digital payments from customers via Aadhaar based biometric authentication. When the customer makes a purchase using Aadhaar Pay, money is debited from his/her Aadhaar linked bank account and credited to merchant’s account.
2. What are the Pre requisites for Aadhaar Pay?
Pre requisite for a customer:
Digital payment transaction means transaction in which the customer authorizes the transfer of money through electronic means, and the funds flow directly from one account to another.
2. What are methods of Digital Payments?
Digital Payment transactions can be done through several means. Some of them are Bharat Interface for money (BHIM), BHIM Aadhaar, Bharat QR Code, Unified Payments Interface (UPI), Unstructured Supplementary Service Data (USSD), Immediate Payment Service (IMPS), Debit / Credit Cards, National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS) etc.
3. What are the benefits of adopting digital payments?
Digital payment methods offer many benefits, such as
- Convenience
- Record of Transactions for tracking expenditure
- Lower risk of theft, damage etc.
FAQ- Bharat Interface for Money (BHIM)1. What is BHIM?
BHIM is a mobile application (app) which enables easy real time fund transfer using a single identity like mobile number or name. BHIM is based on Unified Payments Interface (UPI).
2. How fast is a transaction over BHIM?
All payments over BHIM is linked to bank account and transaction can be completed within few seconds.
3. Are there any charges for using BHIM?
There are no charges for making transaction through BHIM. However, banks may levy a nominal charge as UPI or IMPS transfer fee. Please check with your bank for more details.
4. In how many languages is BHIM available?
BHIM is currently available in 12 languages, i.e., Hindi, English, Tamil, Telugu, Malayalam, Bengali, Odiya, Kannada, Punjabi, Assamese, Marathi and Gujarati.
5. What is VPA?
A Virtual Payment Address (VPA) is an address which uniquely identifies a person's bank a/c. For instance, the Virtual Payment Address for BHIM customers is in the format xyz[at]upi. User can just share his VPA with anyone to receive payments (no need for bank account number/ IFSC code, etc.). User can also send money to anyone by using their Payment Address. Note: Do not share your confidential UPI PIN with anyone.
6. Who can use BHIM?
Any user having a smartphone and bank account is eligible to use BHIM. However, as a prerequisite, you need your mobile number registered with the bank and a debit card linked to that account. You can download the app from playstore or appstore.
7. How does BHIM verify my mobile number and what is the process?
After you install and run the app, it will ask for language selection. After selecting the language, the application will send a SMS to verify and register the mobile number.If this step is successful, you will see a screen which will display registration successful. A default VPA “mobile number[at]upi” will be created.
FAQ- BHARAT QR1. What is QR Code?
QR code is the digital form of barcode inscribed with details about a product or a company. It can be used to seek information, learn about something or pay for items bought by scanning the QR code via camera sensor.
2. What is Bharat QR?
Bharat QR is a QR based payment solution which represents a new channel of initiating and accepting payments between buyers and sellers (or consumers and merchants) using the mobile phone. This solution has been jointly set up by NPCI, Visa and MasterCard which is capable of digitizing a payment transaction between consumers and merchants by setting up an ecosystem where a Quick Response (QR) code is used as the form factor to represent the payee (merchant) for accepting payments.
These QR Codes are deployed at merchant locations for customer-initiated retail transactions and allows the customer to be in control of initiating & authenticating the payment to merchant without providing the merchant any of his/her credentials.
3. How Bharat QR works?
Bharat QR works as an alternate channel of payment, where cardholder have to download his/her bank’s Bharat QR enabled mobile app & scan the Bharat QR code at Merchant store and select cards to make payment. Once the payment is successful both cardholder and merchant receive notification in mobile application for successful transaction.
4. How is Bharat QR transaction different from POS transaction?
Bharat QR transactions is different from POS transactions. Since in POS transaction, POS terminal is required whereas, QR code is required for doing payment in Bharat QR mode of payment.
Also, in case of Bharat QR transaction, the mobile phone is used to scan the QR Code placed at the merchant outlet and make the payment using the RuPay Card linked to the mobile application.
5. Where can I use Bharat QR to make purchase?
Just look for the Bharat QR code mark (displayed by the merchant at his location in case of static QR / on merchants App in case of dynamic QR) wherever you wish to pay.
6. How is Bharat QR code different from other QR code in market?
In comparison to other QR codes in market, Bharat QR code has lots of additional data elements for security like merchant name, address and Merchant Bank information. Bharat QR code is much more widely acceptable and secure than other QR codes. In Bharat QR code, Cardholder of RuPay, Visa, MasterCard and Amex can scan Bharat QR code for payment, which is not possible in other QR code solution.
7. What are basic requirements for enablement for Bharat QR?
a) To scan the QR code, a mobile application is required, which will be provided by your the Bank. (Please contact your bank to know the name of mobile app and download from google play store / Apple play store.
b) For Merchant to deploy Bharat QR code, they need to contact his / her respective Bank and get the application.
8. Are Bharat QR & BHIM QR Same?
BHIM is both P2P and P2M and each QR based transactions are dynamic with provision of transaction id for each payment. BHIM transactions are generated from UPI applications, whereas Bharat QR is P2M and payment is done via cards i.e. Debit card/Credit Card/ Pre-paid Card.
9. How can the smartphone be enabled for payment through Bharat QR?
In order to enable Bharat QR on the smart phone, the cardholder should follow the below mentioned steps:
a. Download the Bank’s Application which supports Bharat QR from google play store.
b. Do one time registration for linking the debit/credit card with Bank’s application
c. Go to the merchant store where payments through Bharat QR code is accepted
d. Scan Bharat QR icon in application to make payment through Bharat
10. Can I use my RuPay Card for payments through Bharat QR?
Yes, any RuPay card (Debit / Prepaid / Credit / Virtual Card) which is linked to the customer’s account / wallet can be used to make payments through Bharat QR
11. Does a customer need to register for Bharat QR transactions?
Yes, the card holder has to do one time registration of card in the mobile application and link the card with application to make payments through Bharat QR.
12. How can RuPay card be linked for payment through Bharat QR?
Cardholders have to register himself/herself with their respective Bank’s Bharat QR enabled mobile banking application.
Upon login, Cardholder needs to click add/link card tab given in the app.
13. How will the customer be informed/notified about the successful transaction?
Customer will receive notification on the mobile banking application / through SMS confirming that the transaction has been performed successfully.
14. Are there any charges for using Bharat QR?
There are no additional charges for making transaction through Bharat QR.
15. Can I link multiple bank card on same App?
At the time of account set-up, you can link same bank card with the same bank App. It can link multiple cards of the same bank in a single app.
16 How can I access a record of all historical transactions?
Every transaction will reflect on your bank account statement and you can also view the past transactions in the 'Transaction History' section of the App.
17. Do my mobile number with Bharat QR app and the one registered with my bank account have to be the same?
Yes. This is a banking network requirement. The mobile number which is used to transact with Bharat QR enabled app is used to match the bank accounts linked against it. This is used as one factor of authentication.
18. Can the existing wallet be used for payment through Bharat QR?
Yes, if the functionality of the existing wallet is/has an option for payments via prepaid card.
19. What should the customer do if the transaction has failed?
The cardholder needs to do following steps-
a. Cardholder have to click on the transaction history tab given in the app.
b. Record the failed transaction details.
c. Report to issuing bank with the failed transaction details.
20. What happens if the customer’s account has been debited and merchant has not received the payment?
In case the cardholder’s account is debited but the merchant has not received the payment, the money will be automatically refunded back into cardholders account.
Sometimes this takes longer than intended. Incase if cardholder does not receive the refund within 24 hours, customer should contact customer support of the bank. Cardholder can also raise a chargeback through proper channel as prescribed by respective banks.
21. What happens if the credentials while doing Bharat QR payment are entered wrong?
No problem, the mobile application will prompt you to re-enter the correct PIN. The maximum number of tries allowed, depends on your bank. Please check with your bank for details.
FAQ - Unified Payments Interface (UPI)1. What is UPI?
Unified Payment 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 enables instant money transfer 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 that any user create/set during first time registration with this App. It is necessary to enter this UPI-PIN to authorize all bank transactions. If user has already set up an UPI-PIN with other UPI Apps he/she can use the same on BHIM.
3. What is a Payment Address?
A Virtual Payment Address (VPA) is an address which uniquely identifies a person's bank a/c. For instance, the Virtual Payment Address for BHIM customers is in the format xyz[at]upi. User can just share his VPA with anyone to receive payments (no need for bank account number/ IFSC code, etc.). User can also send money to anyone by using their Payment Address. Note: Do not share your confidential UPI PIN with anyone.
4. How do I pay an online merchant through UPI?
While shopping online, user can pay through UPI when UPI is available as a payment option. User will need to enter his/her Virtual Payment Address (xyz[at]upi), Subsequently, user will receive a collect request on the BHIM app. User is just required to enter the UPI-PIN to complete the payment.
5. Do money transfers happen on UPI only during banking hours?
All payments are instant and 24/7, regardless of bank's working hours.
FAQ - Immediate Payment Service (IMPS)1. What is IMPS?
Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service available through mobile banking, Internet Banking, etc.
2. What are the benefits of IMPS?
- Instant
- Available 24 x7 (functional even on holidays)
- Safe and secure, easily accessible and cost effective
- Channel Independent can be initiated from Mobile/ Internet / ATM channels
- Debit & Credit Confirmation by SMS
3. How do I get IMPS enabled?
Sender needs to perform Mobile Banking Registration if he/she wants to initiate the transaction through mobile channel. For internet, ATM and bank branch channels, mobile registration is not required.
Receiver should collect his/her MMID from bank and share with sender or alternatively share his/her Account number & IFS code or Aadhaar number for receiving money. The receiver can register his/her mobile no. for getting SMS alerts for transactions.
4. How do I transfer funds using IMPS?
The following channels may be used to initiate IMPS transactions.
- Mobile phones
- Smartphone- Bank App/ SMS / WAP/USSD (NUUP)
- Basic phone-SMS/USSD (NUUP)
- Internet- Bank’s Internet banking facility
- ATM-By Using ATM Card at Banks ATM
· MMID & Mobile no. or Account number & IFS Code or Aadhaar number
- Amount to be transferred
- Remarks/Payment Reference number
- Sender’s M-PIN
5. Does the customer need to register to remit the funds through IMPS?
For using IMPS on mobile phones, a customer will have to register for mobile banking with his/her individual bank. However, for initiating IMPS using Bank branch, Internet banking and ATM channels, no prior Mobile banking registration is required.
FAQ- BHIM-Aadhaar-Pay1. What is BHIM-Aadhaar-Pay?
BHIM-Aadhaar Pay is a payment mechanism which allows the customer to make payments to merchants without any mobile phone, using his/her Aadhaar number through a STQC certified biometric device. It enables merchants to accept digital payments from customers via Aadhaar based biometric authentication. When the customer makes a purchase using Aadhaar Pay, money is debited from his/her Aadhaar linked bank account and credited to merchant’s account.
2. What are the Pre requisites for Aadhaar Pay?
Pre requisite for a customer:
- The customer should have Aadhaar Number His / her account should be KYC compliant
- His/her bank account should be linked with Aadhaar. His / her account should be KYC compliant
- His / her account should be KYC compliant
- Merchant should be registered on Bhim Aadhaar Pay
- He/She should have STQC certified biometric device
- He/She should have Aadhaar number.
- His/her bank account should be linked with Aadhaar.
- His / her account should be KYC compliant
Contact address:
AVCRI
136,137, Trichy Road,
Ramanathapuram, Coimbatore-641045
accounts@avtayurveda.com
Call: +91 422 4322888/2367200
136,137, Trichy Road,
Ramanathapuram, Coimbatore-641045
accounts@avtayurveda.com
Call: +91 422 4322888/2367200
Variations to the Terms and Conditions:
AVCRI reserves the right to vary these Terms and Conditions from time to time and the current version will be that published on this website. We reserve the right to decline the acceptance of an online payment if your account is in default for any reason. AVCRI may also make additions/deletions/alteration to the services offered, at its sole discretion. We reserves the right to withdraw the service at any time at its discretion. We retain the right to change the terms and conditions for Online Payments, without any prior notice.
|
|
