Say Good Bye to OTP for Online Transaction Less Than RS 2000 | Cash Less India

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After recent Maan Ki Baat from Indian Prime Minister Narendra Modi Indian Railway takes initiative about Digital India & Cash Less India. from 27th Nov 2016 when you open IRCTC official website then you can get below message in their official website.The message is written in two languages. One is our national language HINDI & another language is English.
 
  • OTP NUMBER IN AADHAR CARD
  • ONE TIME PASSWORD EXAMPLE
  • ONE TIME PASSWORD GENERATOR
  • ONE TIME PASSWORD SBI DEBIT CARD
  • OTP FULL FORM
  • ONLINE PAYMENT WITHOUT OTP
  • PAYTM
  • FREECHARGE
 
 
 
 
Here you can listen 27th Nov 2016 PM Narendra Modi's Maan ki Baat.

Demonetisation and cashless push is inspiring both public and private entities to take some big, bold and crucial steps to encourage digital transactions and to ease the inconvenience of lack of currency notes in circulation.

To do success Prime Minister Narendra Modi's Cash Less Economy already All the Banks, RBI as well as private company's are taking initiative to make cash less India.

Here you can get all types of information about Cash Less Bharat.

Read :- JIO Money - Go Cash Less with Jio Money App - Cash Less India Initiative by PM Modi.

Read:- New Security Feature on Paytm App to Protect Your Valuable Money.

Read:- Go Cash Less with Paytm Without Smart Phone - Cash Less Economy Initiative.
 
Now, to make it easier for general public to make smaller payments, Government has done away with One Time Password (OTP) authentication required for online transactions amounting to less than Rs. 2000.

No OTP For less than RS 2000 Online Transactions:-

In a major relief for cashless shoppers, Reserve Bank of India has removed the two-step authentication protocol for sub-Rs 2000 transactions. This means, that from now, all digital transactions below Rs 2000 can be done without any need of OTP.
Currently, when you make a transaction, and after you have given the card details on the merchant website, you need to enter an OTP that is sent to your registered mobile number before the transaction gets through. However, going forward that will not be the case. Going forward, customers will go through a one-time registration process with Visa Checkout and MasterCard's Master pass,  requiring entry of card details and additional factor authentication by the issuing bank.
This move by RBI was made to make things easier for cab aggregators like Uber and Ola and other online merchants to accept cards. The RBI's insistence on a second factor authentication (in the form of a one-time password, or OTP) had prompted cab aggregators to tie up with digital wallets like Paytm. While customers can even now pay by card, they need to wait for a text message containing the OTP before concluding the transaction.

However, In future, if they agree to register with the merchant, they can complete the payment by entering a password authenticated by the card network.
  • OTP NUMBER IN AADHAR CARD
  • ONE TIME PASSWORD EXAMPLE
  • ONE TIME PASSWORD GENERATOR
  • ONE TIME PASSWORD SBI DEBIT CARD
  • OTP FULL FORM
  • ONLINE PAYMENT WITHOUT OTP
  • PAYTM
  • FREECHARGE

Purpose of Cash Less Bharat (The Website):-

This website www.CashLessBharat.in is created to support Cash Less India Initiative by Indian Prime Minister Mr.Narendra Modi. We are here in the edge of Digitalisation of India. If you want to know more about How Digitalisation can make your life simple then do subscribe us with your email id. Whenever we publish any article on Digitalisation of India / Cash Less India - it will directly deliver to your email address automatically.

If you really support PM Narendra Modi Digital India initiative then share this article in all your social media account. That will help many others to learn & help to step a head about Cash Less India.

JIO Money - Go Cash Less with Jio Money App - Cash Less India Initiative by PM Modi.

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JIO Money - Go Cash Less with Jio Money App:-

  1. JIO MONEY LOGIN
  2. JIO MONEY WALLET OFFERS
  3. JIO MONEY APP DOWNLOAD
  4. JIO MONEY DOWNLOAD
  5. JIO MONEY ADD MONEY OFFER
  6. JIO MONEY OFFERS
  7. JIO MONEY WALLET ADD MONEY OFFER
  8. JIO MONEY SIGN UP
 
JioMoney – Your simple, smart and secure ‘one-app’ solution to everyday transactions on the go.



JioMoney is much more than a wallet. It empowers you to pay everywhere in a cash-free way. With JioMoney, you can do mobile and DTH recharges, make everyday payments, send/receive money, pay insurance and other premiums, manage your finances, get great deals, and more:
  • Make bill payments for MSEB, BSES, BEST, Mahanagar Gas, Gujarat Gas, GEB, and others
  • Do your mobile recharge and pay bills for Airtel, Vodafone, Idea, BSNL, Reliance, MTNL, Aircel, Uninor, Tata Docomo, Cellone, and others
  • Pay for DTH recharges for Dish TV, Tata Sky, Airtel DTH, Videocon D2H, Sun Direct, BIG TV, and others
  • Pay insurance premiums
  • Pay for online shopping at leading stores like Archies, Bookmyshow, Clarks, Groupon, Imagica, Starbucks, and thousands more
  • Send and receive money to and from family and friends
  • Get great deals, coupons and cashback directly on your mobile phone from local merchants
  • Digitize not just your money but also your loyalty points
Soon, JioMoney will be accepted by thousands of physical stores and shops across India, thus expanding your digital money’s reach.  JioMoney is a zip-zap-zoom experience. You can execute a transaction in a breeze, with the same ease and convenience of receiving a call on your handset. And it is as fast too – a typical transaction is completed within a few seconds.

With JioMoney, you get these unique advantages:

  • Payment from and for the entire Reliance ecosystem – Reliance Retail, Digital Express, Reliance Fresh, Reliance Jewels, and other Reliance retail businesses
  • Deep market penetration – Right from a mega mall to a neighborhood store
  • Fast and convenient barcode scanning for physical merchants
  • Easy transfer of JioMoney balance into your bank

How to register for JioMoney? 

Any customer with a valid mobile number, registered with any telecom service provider can sign-up with JioMoney. You can download 'JioMoney Wallet' from Google Play Store or Apple App Store and install the app. Start the app to see the registration page and follow the simple steps to create your account.

Is my money safe if I lose my phone?


Even if you lose your phone, your money is 100% safe. Nobody can access your JioMoney account, since only you can do so through your password and 4-digit mPIN. JioMoney locks your account for your own safety after 3 consecutive incorrect mPIN attempts. If you suspect unauthorized activity in your account, you can also suspend your JioMoney account and block payments by calling our customer service at 1800-891-9999 (toll-free) or write to care@jiomoney.com.

What are the different types of accounts offered?


JioMoney offers two types of accounts:


1.Basic Account: Transaction limit is capped at INR 10,000 per calendar month. No documents are required for 'Basic Account'.

2.Advanced Account: Premium customers can keep up to INR 100,000 stored in their JioMoney account for any calendar month, however you can do unlimited transactions above INR 100,000 for that calendar month.
 

Are there any charges/fees for using JioMoney? 

There are no charges for using JioMoney.
 

How can I load money to my JioMoney account? 

You can load money to your JioMoney account through NetBanking, credit card or debit card.
 

How can I link bank accounts/cards? 

You can link your bank account or credit/debit cards by logging into the JioMoney app and clicking "Add card/Bank account" under the Manage Accounts section.
 

Does the money loaded into JioMoney have an expiry period? 

No, there is no expiry period for the money in your JioMoney account for now.
 

How to get 10,000 RS from  Jio Money.


  1. JIO MONEY LOGIN
  2. JIO MONEY WALLET OFFERS
  3. JIO MONEY APP DOWNLOAD
  4. JIO MONEY DOWNLOAD
  5. JIO MONEY ADD MONEY OFFER
  6. JIO MONEY OFFERS
  7. JIO MONEY WALLET ADD MONEY OFFER
  8. JIO MONEY SIGN UP 
This website www.CashLessBharat.in is created to support Cash Less India Initiative by Indian Prime Minister Mr.Narendra Modi. We are here in the edge of Digitalisation of India. If you want to know more about How Digitalisation can make your life simple then do subscribe us with your email id. Whenever we publish any article on Digitalisation of India / Cash Less India - it will directly deliver to your email address automatically.
 
If you really support PM Narendra Modi Digital India initiative then share this article in all your social media account. That will help many others to learn & help to step a head about Cash Less India.

New Security Feature on Paytm App to Protect Your Valuable Money.

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New Security Feature on Paytm App to Protect Your Valuable Money.

One more step a head to make Cash Less Economy in India. Paytm is taking one big step to make secure Cash Less Transactions in India through Paytm mobile app. Recently Paytm releases a new version of Paytm app. The new version is available in Play store & Apple store. You have to update your Paytm app to get this latest version. After updating to the latest version you can able to check the latest security layer has been added in the updated Paytm app.
 

Reason for this latest Security Update:-

Earlier, anyone who had access to your phone could use the Paytm app to make payments - this new feature ensures that you need to be able to access not just the phone but also gives a secondary layer of security for the app. Although the security feature is optional, the way Paytm has implemented it, the default option is to add the extra security, which is a welcome move.
This security feature uses Android's authorisation mechanism, and so it will only work on a phone that has a screen lock - it can be a PIN, password, pattern, or fingerprint - which is something we'd strongly urge all readers to enable anyway.

How to Implement this security feature in Your Paytm App:-

 
When you start the (updated) Paytm Android app and tap on the Pay, or Passbook, buttons, an advisory pops up informing you of the new security feature. Tap Add Security Feature to get started, and confirm your PIN or pattern or password. Once you do that, a pop-up will tell you that you've enabled additional security, which can be disabled from the settings in the Profile menu.

After enabling additional security, you can try and make a payment, or read the Passbook, at which time you'll have to enter your PIN or pattern or password, or Privacy Protection Password, if you've set that up under the Lock Screen settings in your Android settings.
Setting it up took less than a few seconds, and it worked seamlessly - and since you're inputting the password on your own device (it's not being checked on Paytm's server but by the Android system on your phone), there's no lag or delay - it's pretty much instantaneous in use.
 
This website www.CashLessBharat.in is created to support Cash Less India Initiative by Indian Prime Minister Mr.Narendra Modi. We are here in the edge of Digitalisation of India. If you want to know more about How Digitalisation can make your life simple then do subscribe us with your email id. Whenever we publish any article on Digitalisation of India / Cash Less India - it will directly deliver to your email address automatically.

If you really support PM Narendra Modi Digital India initiative then share this article in all your social media account. That will help many others to learn & help to step a head about Cash Less India.

Go Cash Less with Paytm Without Smart Phone - Cash Less Economy Initiative.

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Go Cash Less with Paytm Without Smart Phone - Cash Less Economy Initiative.

Here is one major step taken by Indian company Paytm which is trending to make success Cash Less Economy initiative by Prime Minister of India Mr. Narendra Modi. After PMO India ban 500 & 1000 Notes Mr. NAMO appeals to all the Indian through his Mann Ki Baat episode to go for Less Cash to Make Cash Less India. After this initiative taken by Mr. Modi most probably all banks in India started UPI powered app that will help Indian citizen to do transaction without real cash. Indian pvt company Paytm also major steps to help nation go for Cash Less. Now you can do transaction with Paytm even you don't have any Smart phone. You can do transaction with your normal phone without using if any Internet Facility.

Paytm Introduces option to do transaction without Internet & Smart Phone:-

Paytm recently launches a new toll-free number that will enable feature phone and non-internet users to go cashless with Paytm. This move will offer millions of consumers and merchants across India access to mobile payments. They can now dial 1800 1800 1234 and pay any Paytm customer without an active internet connection.

How to use this service of Paytm:-

To use this service, as a first step, Paytm customers and merchants must set their 4 Digit Paytm PIN on call. They can then enter the recipient’s mobile number, amount and their Paytm PIN to successfully transfer the money from their Paytm wallet to another Paytm wallet.
Please note, that you will need an existing Paytm account to use this service. You will have to call this Toll Free number from your mobile number registered with Paytm.

How to create a Paytm account on call?:-

This service is for existing Paytm Users. You can create a Paytm account by logging into paytm.com or installing our Android or iOS mobile app. Alternatively, use a friend or relative’s smartphone to do the same and don’t forget to log out. You can then call us at 1800 1800 1234, set your 4 Digital Paytm PIN and send money without a smartphone or active internet connection.

How to add money to my Paytm Account?

You can log into paytm.com or install Android or iOS mobile app from Play store. Alternatively you can visit any of the 2,00,000+ cash-in points across India to instantly top-up your Paytm account. To find the nearest one, use Paytm Nearby.

This website www.CashLessBharat.in is created to support Cash Less India Initiative by Indian Prime Minister Mr.Narendra Modi. We are here in the edge of Digitalisation of India. If you want to know more about How Digitalisation can make your life simple then do subscribe us with your email id. Whenever we publish any article on Digitalisation of India / Cash Less India - it will directly deliver to your email address automatically.

If you really support PM Narendra Modi Digital India initiative then share this article in all your social media account. That will help many others to learn & help to step a head about Cash Less India.

10 Essential Mobile Apps launched by Govt of India - Digital India Initiative by PM Modi

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10 Essential Mobile Apps launched by Govt of India -  Digital India Initiative by PM Modi

To make Digital India Govt India launches essential mobile apps which helps Indian citizen to do different types of essential work. You will find all INDIAN GOVERNMENT APPS FOR ANDROID in Google Play store. You should download GOVERNMENT MOBILE APPS to stay connected with Digital India initiative by Prime Minister of India Narendra Modi. Except these mobile apps you can also download some BEST GOVERNMENT APPS , DIGITAL INDIA MOBILE APP
& APPS FOR GOVERNMENT JOBS from Google Play store.
 
Here I am listing 10 essential mobile apps from Govt of India to stay connected with Digital India Initiative.

MyGov Mobile App:-

 
MyGov is Government of India’s innovative citizen engagement platform for direct citizen participation in governance by providing an avenue for channelizing their ideas, comments and creative suggestions to Central Ministries and associated organizations. Citizens can participate in policy formulation and program implementation to usher in an era of direct participatory democracy.
 

Swachh Bharat Mobile App

 
Swachh Bharat Mission is a mass movement for cleanliness launched on 2nd October 2014 by the Prime Minister of India. The Swachhta Abhiyan has turned into a National Movement with citizens now becoming active participants in cleanliness activities across the nation. The dream of a ‘Clean India’ once seen by Mahatma Gandhi is being realized with millions of people across the country joining the cleanliness initiatives of the government departments, NGOs and local community centres to make India clean as a part of this ‘Jan Andolan’.

Narendra Modi app

Official App of Prime Minister of India, Narendra Modi. It brings to you latest information, instant updates & helps you contribute towards various tasks. It provides a unique opportunity to receive messages and emails directly from the Prime Minister.
Download the app and get the latest updates anywhere, anytime!

Highlights of the Narendra Modi app:

  1. Receive the latest news and updates
  2. Attractive infographics that illustrate the work of the NDA government to transform India.
  3. Exclusive opportunity to receive E-Mails & Messages directly from the PM.
  4. 'Mann Ki Baat' with the PM.
  5. Exciting features that empower you to contribute towards making a positive difference in society.
  6. Thoughtful forums where you can share your ideas, views and deliberate with a wide range of people.
  7. Small Tasks, Big Satisfaction: Contribute & earn Badges through the to-do tasks.
  8. Your chance to Interact with the PM & share Ideas & Suggestions.
  9. Never miss out thoughts from PM Modi, read his Blogs.
  10. Know more about PM Narendra Modi through unique insights in the Biography section.
  11. Read about PM Modi’s Governance initiatives & achievements.
  12. Learn more about PM Modi’s efforts augmenting India’s Global Recognition.
  13. Know about how Good Governance is improving lives through Infographics
  14. Receive personalised Birthday Greetings from the PM


Incredible India


Incredible India App is a innovative project of Ministry of Tourism to assist the international and domestic tourist to access information about Ministry of Tourism recognized tourism service providers namely approved Inbound Tour Operator, Travel Agents, Domestic Tour Operator, Adventure Tour Operator, Tourist Tour Operator, classified hotels and approved Regional Level Tourist Guides available in respective cities / Tourist centers. Details of the same will be shared via this application to the tourists on their mobile phones based on their current location. Tourist can also query similar details for any other city he plans to travel to in future. In addition to this the application will provide places of interest .This will help the tourist in seeking services from Government of India recognized service providers and receive quality & reliable services from them.
 

Post Info Mobile App:-

Postinfo - Department Posts Android Mobile Application. Postinfo, the citizen centric android Mobile application of Department of Posts developed by Centre for Excellence in Postal Technology .
The app provides the following facilities:- 
  1. Tracking
  2. Post office search
  3. Postage Calculator
  4. Insurance premium calculator
  5. Interest calculator
Brief description of each facility is given below;

TRACKING:

The tracking facility is made available on this mobile app for the following types of mail items.
• Speed Post
• Registered Letter
• Insured Letter
• Value Payable Letter
• Insured Value Payable Letter
• Registered Packets
• Registered Periodicals
• Registered Parcel
• Insured Parcel
• Value Payable Parcel
• Insured Value Payable Parcel
• Business Parcel
• Business Parcel COD
• Express Parcel
• Express Parcel COD
• Electronic Money Order (e-MO)

The users can view the status of the above mentioned type of articles by entering the articles number and touching the Track button. The following additional facilities are also available.

• Save the results for future reference
• Share it with others through Android native sharing apps viz. Bluetooth, WhatsApp, Facebook etc.

POST OFFICE SEARCH:


By entering first four character of the name of the Post office or by entering the Pin code of the office the users can get a list of matching Post offices. By clicking again on the row the user gets the details like Name of Post office, Street address (location), contact details of the Post office (where ever available) for the selected Post office. The name of the Division and contact details of the Divisional Superintendent (where ever available), details of Regional Postmaster General and the Chief Postmaster General will also displayed.  

POSTAGE CALCULATOR:


The app will calculate the Postage (tariff) to be paid for all types of articles based on the weight entered by the user. The unique feature of the Postage Calculator is that in single query it shows the tariff chargeable for the following items..
• Ordinary letter
• Speed post Domestic (Domestic Speed Post Tariff depends on distance between place of origin and destination).
• Registered letter
• Ordinary Parcel
• Registered Parcel
• Registered book packet
• Registered book packet containing Printed books
• Ordinary Registered book packet
• Ordinary book packet containing Printed books
• Book packet containing periodicals
• Book packet containing Registered News papers  
• Based on tariff there are 5 slabs of tariff viz. local, up to 200 KM, 201 to 1000 KM, and 1001 to 2000KM and above 2000KM. The calculator shows the tariff for all categories.


PREMIUM CALCULATOR:-


The Department is offering various types of Life Insurance Policies through Postal Life Insurance and Rural Postal Life Insurance. The users can check the premium payable for all the eligible types of Postal /Rural Postal Life insurance Policies on the basis of the input entered.


INTEREST CALCULATOR:-

Post office is offering different types of Small Savings Schemes as mentioned below:
• Sukanya Samriddhi yojaana
• Recurring Deposit
• Time Deposit (1 year, 2 year, 3 year and 5 year)
• Monthly Income Scheme
• Senior Citizen Savings Scheme • National Savings Certificate
• Kisan Vikas Patra.
 
The calculator shows the interest rate for each savings scheme. By entering the amount.
 

Khoya Paya

 
KhoyaPaya is a citizen centric portal for the missing and vulnerable children, where any citizen can register with the portal and provide information about a missing or sighted child, without waiting to complete the legal formalities. The information supplied by the citizen would be made available for public view after quick moderation, thereby saving the valuable time. The citizen can further do searching of the database of the children by matching the attributes of the lost/sighted child. This also considerably reduces the time for the relevant information to reach the affected citizen. The mobile app facilitates the user in providing details of sighted children.

M-Kavach:-

M-Kavach is a comprehensive mobile device security solution for Android devices addressing threats related to mobile phones. It addresses threats related to malware that steal personal data & credentials, misuse WiFi and Bluetooth resources, lost or stolen mobile device, spam SMSs, premium-rate SMSs and unwanted unsolicited incoming calls.

GARV GRAMEEN VIDYUTIKARAN:-

Recently launched by the government, this app allows users to track the progress of rural electrification initiative in the country. The application features a dashboard providing details about the villages that have received access to electricity, and villages that are yet to get the same. You can also track villages by state and key information such as progress made in the last one month.

Voter Name Search (Internet):-

A voter can check whether his/her name has been included in the electoral roll of the constituency and can also find out the polling station using this application. The application fetches the information over the mobile internet.

mPassport Seva:-

Passport Seva Project, being executed by Consular, Passport and Visa (CPV) division of the Ministry of External Affairs (MEA), Government of India, aims at providing all the Passport-related services to the Indian Citizens in a speedy, convenient and transparent manner.
This is one of the largest projects of the Government of India under the National e-Governance Plan (NeGP) being executed in public-private-partnership mode with Tata Consultancy Services (TCS) as the private partner.
The project is already operational and servicing citizens through 77 Passport Seva Kendras across India.
MEA with a view to provide mobile enablement of public services, has launched a Mobile Application ‘mPassport Seva’ to offer a wide variety of services to smartphone users such as Passport application status tracking, locating the Passport Seva Kendra (PSK) and general information on various steps involved in obtaining a Passport. More information can be obtained from the official website: www.passportindia.gov.in

This website www.CashLessBharat.in is created to support Cash Less India Initiative by Indian Prime Minister Mr.Narendra Modi. We are here in the edge of Digitalisation of India. If you want to know more about How Digitalisation can make your life simple then do subscribe us with your email id. Whenever we publish any article on Digitalisation of India / Cash Less India - it will directly deliver to your email address automatically.

If you really support PM Narendra Modi Digital India initiative then share this article in all your social media account. That will help many others to learn & help to step a head about Cash Less India.

1 Step Towards Modi Mission - SBI Launches UPI Powered SBI Pay App - Cash Less India

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1 Step Towards Modi Mission - Cash Less India - SBI Launches UPI Powered SBI Pay App.

We all Indians know that on 8th Nov Modi banned 500 & 1000 notes in all over India to fight against black money India. After demonetization of 500 & 1000 notes India in recent Mann ki Baat Indian Prime Minister Narendra Modi appeals India to go for Cash Less to make Digital India. That means Prime Minister of India appeals Indian citizen to use plastic & digital money instead of real money.

Govt is Making all efforts to transform the lives of Citizens Digitally:-




Before starting the main topic of SBI UPI based android mobile app, I want introduce what is UPI (Unified Payment Interface) & How it works.



What is UPI?:-

"Unified Payment Interface" (UPI) enables all bank account holders to send and receive money from their smartphones without the need to enter bank account information or net banking userid/ password.

How can I use UPI?

Users can instantly download a UPI app such as iMobile (for ICICI Bank customer) and Pockets (for ICICI/ non-ICICI Bank customers) and create their own Virtual Payment Address (VPA) such as xyz@pockets or xyz@icici to start using UPI.

Where can UPI be used?

UPI can be used to send and receive money from individuals or to pay directly to merchants.

What is a Virtual Payment Address (VPA)?

For using UPI, users need to create a Virtual Payment Address (VPA) of their choice and link it to any bank account. The VPA acts as their financial address and users need not remember beneficiary account number, IFSC codes or net banking user id/password for sending or receiving money.
 
Here is the video from Technical Guruji to understand more about UPI.
 


Flipkart - The biggest ecommerce retailer of India already introduces UPI Based Mobile Payment app Powerd by Yes Bank. By using Phonepe you can do cash less transaction within a min. Read here how phonepe works.

Now to SBI (State Bank of India) also giving power to Modi;s dream Digitalization of India.

State Bank of India, which is India’s largest bank having a customer base of 200 million and 5.2 million mobile banking customers, has finally launched their own UPI (Unified Payment Interface) based app: SBI Pay.

SBI has thus became 18th bank in India to have their own UPI app for payments and shopping & not only SBI but also there are 30 other banks in India also accepting UPI based payments.

Not only SBI but also many other big banks like HDFC, ICICI, Axis and 15 other banks have already launched their own UPI based apps to make India Digital & all the UPI based apps are helping people to do cash less transaction & also any one can shop online through this mobile apps.

In this current scenario SBI Pay is expected to be a game changer in the digital payment ecosystem as SBI bank has the largest customer base in the country. But as of now SBI UPI system app SBI Pay is available in android system.

Here is a list of all banks which have launched their UPI based apps:
  1. Karnataka Bank
  2. Federal Bank
  3. South Indian Bank
  4. Punjab National Bank
  5. Union Bank
  6. DCB Bank
  7. Canara Bank
  8. Bank of Maharashtra
  9. Catholic Syrian Bank
  10. ICICI Bank
  11. United Bank
  12. OBC
  13. UCO Bank
  14. HDFC Bank
  15. Vijaya Bank
  16. Andhra Bank
  17. Axis Bank

Benefits of SBI Pay android mobile app:-

As UPI is platform independent, even non-SBI users can download SBI Pay, and start using it to send or receive money from other UPI users. The main benefit is you don't have to add identifiers / beneficiaries to send & receive payments / Money. Only a virtual payment address is required to do all the process. Virtual Payment address will attach with your phone number and bank account.

Realted article You should read:- Phonepe - India's First UPI Based Mobile Payment app by Flipkart Powerd by Yes Bank.

Points need to fix to give more power to this SBI Pay app:-

1) The version which went live doesn’t support payments for merchants.
2) After release of the app in Google Play store, Indian's started using this official SBI Pay app & some complained to bugs and unfriendly UI of the app also noticed after using this app.
3) Users also complains that in case SIM 1 is not active on your smartphone, then the app cannot be activated because SBI Pay uses only SIM 1 to send the verification text, and if the text is not send the any one can not activate the app.
4) Users also complained that they were unable to locate change SIM 1 to SIM 2 for sending verification text. But after noticing this complain SBI takes some action. After that users confirmed that this bug was fixed, and now they can choose the SIM to be used for sending verification messages.

5)  As of now you can not store money in app wallet like Paytm or Freecharge. When you will do any transaction, money will directly debited from the attached bank account.

You can directly download the app right from Google Play Store.

Related article you should read:- Paytm Introduces Hassel Free Cash Less Transaction in India - Digital India Initiative by PM NAMO.

Here users also searching below terms to know about SBI Pay (UPI based Mobile App)
  1. SBI APP FOR ANDROID
  2. UPI SBI APP
  3. STATE BANK OF INDIA UPI
  4. SBI UPI LAUNCH
  5. SBI UPI LAUNCH DATE
  6. SBI CARD PAYMENT
  7. SBI UPI APP DOWNLOAD
  8. SBI UPI APP LAUNCH DATE
 This website www.CashLessBharat.in is created to support Cash Less India Initiative by Indian Prime Minister Mr.Narendra Modi. We are here in the edge of Digitalisation of India. If you want to know more about How Digitalisation can make your life simple then do subscribe us with your email id. Whenever we publish any article on Digitalisation of India / Cash Less India - it will directly deliver to your email address automatically.

If you really support PM Narendra Modi Digital India initiative then share this article in all your social media account. That will help many others to learn & help to step a head about Cash Less India.
 

Phonepe - India's First UPI Based Mobile Payment app by Flipkart Powerd by Yes Bank.

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Phonepe - India's First UPI Based Mobile Payment app by Flipkart Powerd by Yes Bank.

One step a head towards Modi's dream Digital India - Phonepe is doing a great role to make Cash Less India. Recently we all know that India's Prime Minister Narendra Modi ban 500 & 1000 notes in India to fight with the black money in India. In recent Mann ki Baat by Pm Modi he appeals to the nation to go for Less Cash India. That means any one have to go for cash less as much as possible for any types of transaction. In current scenario of India Flipkart is taking great initiative for Cash Less India.
 
 
 

PhonePe - UPI (Unified Payment Interface) is the first India's mobile payment app by India's largest e-commerce retailer Flipkart. This Unified Payments Interface(UPI) platform is developed by the National Payments Corporation of India (NPCI) and is powered by YES Bank.

Read:- IRCTC - Indian Railway eTicket system address to all the Nation on Digital India | Cash Less India
 PhonePe is a one stop UPI-based app which can serve all your payment needs, in a safe and secure way. You can find the app in google playstore & you can start use of Phonepe with no time.  Through PhonePe you can link your bank account(s) over UPI and make instant bank to bank transfers by just using a mobile number or unique payment identity – Virtual Payment Address(VPA). PhonePe also provides you with a digital mobile wallet for faster refunds and cash backs from big merchant partners. You cannot top-up the wallet but can spend your wallet balance or withdraw it into your linked bank account(s) in one quick swipe! Here is the Video What Times Of India tells about Phonepe.


Things you can do on the PhonePe app:-

  1. Send and request money from your contacts anytime, anywhere
  2. Recharge any prepaid Mobile/Datacard/DTH connections across the country
  3. Pay postpaid Landline, Datacard and mobile bills for all major operators
  4. Pay for utilities such as electricity and gas bills
  5. Split bills with your friends and settle them right away
  6. Shop on Flipkart
  7. Shop on Myntra, Jabong and all your other favourite online shopping destinations using PhonePe
Read:- First Cash Less State In India will be Goa before New Year - Digital India Initiative by PM Modi.

PhonePe features:-

  1. Transact up to Rs.1 lakh per transaction, 24*7
  2. One-click payment using your PhonePe account at any of our merchant partner locations
  3. Get instant refunds and cashbacks from our partner merchants into your PhonePe wallet. Instantly withdraw your entire wallet balance to your UPI enabled bank account with just one swipe - free of cost!
Currently 31 banks are UPI enabled, with more banks coming soon! 

Banks currently on UPI:-

  1. YES Bank (our UPI sponsor),
  2. Allahabad Bank,
  3. Andhra Bank,
  4. Axis Bank,
  5. Bank of Baroda (BOB),
  6. Bank of Maharashtra,
  7. Bhartiya Mahila Bank,
  8. Canara Bank, Catholic Syrian Bank,
  9. DCB Bank, Federal Bank,
  10. HDFC Bank,
  11. HSBC Bank,
  12. ICICI Bank,
  13. IDBI Bank,
  14. IDFC Bank,
  15. Indus Ind Bank,
  16. Karnataka Bank,
  17. Kotak Mahindra Bank,
  18. Oriental Bank of Commerce,
  19. Punjab National Bank (PNB),
  20. Ratnakar Bank (RBL),
  21. State Bank of India (SBI),
  22. South Indian Bank (SIB),
  23. Standard Chartered Bank (SCB),
  24. TJSB Sahakari Bank, UCO Bank,
  25. United Bank of India,
  26. Union Bank of India,
  27. Vijaya Bank
  28. Citi Bank
Read:- Paytm Introduces Hassel Free Cash Less Transaction in India - Digital India Initiative by PM NAMO.

Here is the complete tutorial How you can use phonepe for any types of transaction:-




You can directly download Phonepe APP Download.
 
After just download & installation you have to do Phonepe login with your mobile no.
 
Here is the complete solution for all types of Google search like :- Phonepe flipkart , Phonepe wallet myntra , Phonepe APP , phonepe apk, what is phonepe wallet , phonepe IOS.
 
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