BHIM App Transaction Guide & FAQs With Answers – Bharat Interface for Money

By | January 4, 2017

BHIM App Transaction Guide & FAQs With Answers – Bharat Interface for Money

bhim app faqs

What is Bharat Interface for Money?

Bharat Interface for Money is an app that lets you make easy and quick payment transactions using UPI. Its easier than Wallets! You will not have to fill-out those tedious bank account details again and again. You can easily make direct bank to bank payments and instantly collect money using just Mobile number or Payment address.

BHIM APP Download

How fast is a transaction over Bharat Interface for Money?

As fast as it can get! All payments over Bharat Interface for Money are linked to your bank account and transaction can be completed within few seconds.

Are there any charges for using Bharat Interface for Money?

There are no charges for making transaction through Bharat Interface for Money. Note – Your bank might however levy a nominal charge as UPI or IMPS transfer fee which is not under our control. Please check with your bank for more details.

What do I need to start using Bharat Interface for Money?

Bharat Interface for Money app is currently available on Android (Version 4.1.1 and above) only. We will be making our app available on other platforms very soon.

Is Bharat Interface for Money app compatible with every Mobile OS?

To start using Bharat Interface for Money all you need is a Smartphone, Internet access, an Indian bank account that supports UPI payments and mobile number linked to the bank account. Link your bank account to UPI through the app.

Do I need to enable mobile banking on my bank account to use Bharat Interface for Money?

Your account need not be enabled for mobile banking to use Bharat Interface for Money. Your mobile number shall have to be registered with the Bank.

Do I need to be a customer of a particular bank to use Bharat Interface for Money?

To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.

How do I set the UPI-PIN for my bank account from Bharat Interface for Money?

You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI PIN. Note – ‘UPI-PIN is not the same as MPIN provided by your bank for mobile banking’.

Can I link multiple bank accounts with Bharat Interface for Money?

Currently, Bharat Interface for Money supports linking of one Bank only. At the time of account set-up, you can link your preferred bank account as the default account. In case you want to link another bank account, you can go to Main menu, choose Bank Accounts and select your default account. Any money that is transferred to you using your mobile number or payment address will be credited into your default account.

Why does my mobile number with Bharat Interface for Money and the one registered with my bank account have to be the same?

This is a banking network (UPI) requirement. The mobile number which is used to register with Bharat Interface for Money is used to match the bank accounts linked against it.

Do I have to give Bharat Interface for Money my bank a/c details?

At the time of registartion you will be providing us with the Debit card details and with the use your mobile number registered to your bank account, we will pre-fetch the details from your bank. All the information exchange happens over secure banking networks and we don’t store it, your information is safe!

All you need to know about UPI

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 allows you to instantly transfer money between any two parties bank accounts.

What is an UPI-PIN?

UPI-PIN (UPI Personal Identification Number) is a 4-6 digit secret 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 Bharat Interface for Money. (Note- Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the Bharat Interface for Money app) Note – Please do not share your UPI-PIN with anyone. Bharat Interface for Money does not store or read your UPI-PIN details and your bank’s customer support will never ask for it.

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 Bharat Interface for Money 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.

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.

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 Bharat Interface for Money 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 Bharat Interface for Money.

Why is my UPI transaction failing?

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 Bharat Interface for Money app. Enter your UPI-PIN here and your payment will be complete. As easy as this!

Do I need to be a customer of a particular bank to use Bharat Interface for Money?

To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.

How do I set the UPI-PIN for my bank account from Bharat Interface for Money?

You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI PIN. Note – ‘UPI-PIN is not the same as MPIN provided by your bank for mobile banking’.

Send and Receive Money

Can I send money to anyone using Bharat Interface for Money?

Yes, you can send money using the Bharat Interface for Money app from your UPI enabled bank account. You will need to register and set a UPI PIN using the debit card details linked to the bank account. If your beneficiary’s bank account is also linked to UPI, you can simply use their mobile mobile number or Payment Address to transfer.If not, you can use IFSC code, Bank account or MMID , Mobile number to send money.

Do money transfers happen on Bharat Interface for Money only during banking hours?

All payments are instant and 24/7, regardless of your bank’s working hours!

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 Bharat Interface for Money 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.

How can I view my transaction history?

Go to Bharat Interface for Money Home Screen ->Transaction History. to view all your past and pending transactions.

How do I send money?

From the Bharat Interface for Money app Home screen,
1) Click Send Money Option;
2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Aadhaar number
3) Enter the amount you want to send
4) Your default bank a/c gets selected
5) Enter UPI PIN and send
Alternately, you can also scan a QR code and pay via the ‘Scan & Pay’ option.

How do I request money?

From the Bharat Interface for Money app Home screen,
1) Select Request Money
2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Adhaar number
3) Enter the amount you want to request
4) Click Send

This transaction will remain pending until the payment is received. You will be notified when the money is transferred to you. You may also request money by sharing your QR code. Goto Home Screen->Profile->Choose account to get QR code

Can I send money to a friend not on Bharat Interface for Money?

Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on Bharat Interface for Money.

What types of transactions can I do using Bharat Interface for Money?

Through Bharat Interface for Money you can make following type of transaction,
1. Request or Send Money via Payment Address
2. Send Money to Aadhaar Number
3. Request or Send Money to Mobile number
4. Send Money through MMID , Mobile No.
5. Send Money through IFSC code, Account No.
6. In addition, you can use the scan and pay option for Merchant payments.

How do I access a record of all my historical transactions?

Every transaction through your bank account will be recorded by the Bank and you can view all your past transactions in the ‘Transaction History’ section on the Bharat Interface for Money App.

My send money transaction is failing, help!

To avoid transaction failures,
1) Ensure that the UPI-PIN is entered correctly.
2) If the receiver is not on Bharat Interface for Money choose to pay via IFSC instead of mobile number.

The collect request is not reaching the Bharat Interface for Money app. What do I do?

In this case, please first check the data connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.

How will I know if my UPI transaction is successful?

For any transaction, you will see a status instantly on your screen. If for some reason the transaction is delayed or pending, the result will be posted on your Transaction History page along with a UTR# or bank reference number. In addition you will receive an SMS from your bank.

Others

What if I change my mobile carrier?

No problem at all. You can continue using Bharat Interface for Money as usual.

What if I change my handset?

If you change your handset, you will need to
1) Download the Bharat Interface for Money app again
2)Login with your mobile number and password
3) Allow Bharat Interface for Money to verify you; This is for your security. After verification your account will be restored.

What if I lose my phone?

If you lose your phone, the UPI-PIN required to authorize all transaction will not be known to third persons and hence they will not be able to use Bharat Interface for Money. In addition, please contact our customer support at your bank.

Will you ever auto-deduct payments from my account?

We will not auto deduct payments from your account.

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. Bharat Interface for Money can’t see all the details. This exchange is done over secure banking networks and we don’t store or ever use it.

How soon will a refund from a merchant be available in my account?

As soon as your merchant has processed the refund from its end, it should be instantly available in your deafult bank account.

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.

How do I set my UPI-PIN with the bank directly?

You will be to able to set your UPI PIN through any other UPI enable Bank app.

30 thoughts on “BHIM App Transaction Guide & FAQs With Answers – Bharat Interface for Money

  1. Akshay Ahire

    I mistakenly transferred Rs. 2124 to abhi724@ybl.
    I am not able contact that person.
    Do you have any solution for this.

    Transaction details are as follows:

    Transaction id: 714401110193
    Date : 24 May 2013
    Time : 13:11:01

    I have tried to contact customer care but it is not responding.

    Reply
  2. RANVEER SINGH

    RANVEER SINGH
    Sir I sent many from Bhim app,but no reached in a/c no.61282936815@ifsc code SBBJ0010771 sbbj bank station road Hindaun city ,or debit my a/c no.665710110001209@ifse code BKID0006639 , amount Rs.10000/-(ten thousand rupees only) gopalpura mode tonk road Jaipur Rajasthan India.
    Please reply
    Mob.no.9782283565

    Reply
  3. abinash das

    I have tried a lot to communicate with upi but they never pick up my phone .

    its ringing .

    Reply
  4. abinash das

    on 21/4/17 at 4 ‘o clock i have transferred Rs 8000 from bhim app to an account
    but the money has not credited to that account but it has been deducted from my account.
    still i don’t have any details about my money .

    so,please its a kind request to you all upi members .please help me out.

    Thanks & Regards
    Abinash das
    8271088240

    Reply
  5. virendra

    bad customer service for this bhim app ………..plz resolve all problem from bhim app customer service …………all number are permenantlly busy plz solve this problem ………………..customer care service not active ………plz active this service

    Reply
  6. omprakash pal

    Omprakash pal 16 April 2017
    sir i am omprakash pal from Hdfc bank customer . i was used Bhim App for money transferred 13 April 2017 .transaction failed but my money has not been reversed transaction id-710310255049 ,transaction id -710310283475 date-13 April 2017 time-22:25 pm Total amount -rs 10000 10000=20000 please sir/madiam refund my money upi no-9561583323@upi mob-9561583323

    Reply
    1. Karthik Kanniyappan

      call HDFC bank customer care and raise this concern. For me, the same problem happened twice till now and both the times after 3-4 days , money got reversed to my source bank account.

      Reply
  7. Atish Mhamunkar

    I made transaction of Rs 5000 (transaction id- 710010815174) my account debited but the payee not received the amount and the transaction showing pending, till time the bank not reversed the amount. Please help me to get the amount.

    MOB No-7887795448
    Trans ID-710010815174
    Date-10 April 2017
    Time-10:23:55

    Reply
    1. Karthik Kanniyappan

      Your comment is awaiting moderation.
      call HDFC bank customer care and raise this concern. For me, the same problem happened twice till now and both the times after 3-4 days , money got reversed to my source bank account.

      Reply
  8. sunil srivastava

    Remander3 no found your reply behaf of complain on dated 31..03.17, 03.04.17 &08.04.2017 for transtion of dt 28.03.17 I wight for your reply otherwise I send next complain to PMO & I will go to consumer court. Because your wrong message save in my mobil. Costomer care not recevied any call. It is very dificult .last I will waight for ur reply only two dsy.my transfred amount Ac no 302443311689 to Ac no 30013001745 of sunil srivastava Txn no708717890439; rupees 2000, txn no 708716871409 rupees 1000, 708720311659 rupees 100 & txn no 708718824524 rupees 100 on dt 28.03.17 but debited from ac no 30244331689 and not credit to Ac no 30013001745 IFSC 0006214 Sunil Srivastava till date. Already complain send for this matter three times but no taken action from you. And wrong message found recevied from you. Not credited amount in any account. Till date. Can you informed this no 8986826514
    coy to

    Reply
  9. Karthik

    I don;t understand why BHIM can’t refund money the moment transaction has either failed or got into a pending state, this is really frustrating the money is nowhere when it reaches the pending state . it gets deducted the moment the transactions starts and then it takes 3 days or it to credit back the amount . Its really frustrating.
    Feels like droping to use this service instead to use more.

    Reply
    1. Karthik Kanniyappan

      I got my money reversed to my source account after 3 days due to a failed transaction.

      Reply
  10. SK NASIRUDDIN

    Sir I am transfer amount 10000₹ Transaction id 709023323779 but bhim app status pending transfer amount my Ac to already debit or recipient a/c not credit , so it’s refund my amount in my account. mobile number 9437715377 please reply me

    Reply
  11. Dhirendra Singh

    Sir I am transfer My Sbi Ac 20144395620 amount 10000₹ Ac 37701000000320 ifsc IOBA0003774 Transaction ID 708312764539 but bhim app status pending transfer amount my Ac cut but Nat clear to transfer so it’s refund my amount in my account mobile number 8511551716 please reply me

    Reply
    1. Karthik

      Did you get your Money back to account or got transferred ??? I see even i m facing the same issue since i transferred today morning???

      Reply
  12. Mukrsh Raute

    SIr maine upi se ganeshgiri@upi payment addresse se date 20/3/2017 bhim apps se money transfer kiye mere account se money deduct ho gaye lekin samne wali party ko koi ammount received nahi huye kripya koi suzav dijiy. Aur mere passbook pe 897655162098 ye no. Aya hai. maine bhim customer care, my bank , traice my complaint but kahise bhi koi jawab nahi aya hai kripaya koi solutipn de

    Reply
  13. akash shankhvar

    Dear sir mere account se 10000/- rupey debit ho gay hai ye mera account no 22230100024588 name : aakash shankhvar ifsc code : barb0kankya refund kr dijey plz sir transaction Id : 707422808034 me is account me transfer kr rha tha magar pahucha nahi bank name: sbi account holder name : Pankaj bhai a/c no: 34572584661 ifsc code: sbin0060440 my phone no :8533936399 7041592303

    Reply
  14. md Shahid Alam

    My account no 32198519001
    My transection I’d 705817145951
    This transection are fail or 2000 rupee debited
    I issue report for transection fail . This report does solved. But not refund my rupee

    Reply
  15. Parinita chakraborty

    Hey did anybody of you got your money back?? If you got it back then please tell me what to do? Because none of them is replying to our comments. So irresponsible!!

    Reply
  16. Sachin Bisht

    Sir i did transaction on 5 feb 2017. My money has been debited from my account.. And my bank costomer support saying that call to BHIM otherwise go to home Branch.. So how many tym it will take refund..

    Reply
    1. Kunal mehta

      Brother same issue. Here.
      Can u plz tell me ,. Ur money has been refunded or not?

      Reply
  17. S M CHANDRASHEKHAR

    CHANDRASHEKHAR S M

    I TRANSFERED FROM MY ACCOUNT ON 6.FEB 2017 AT 23.17.49 PM ID NO 703723141497, TILL NOT RECIVED THE MONEY THAT PARTY. BUT IN OUR ACCOUNT MONEY HAS DEBITED. BUT WHAT ABOUT OUR MONEY

    Reply
  18. prasad m

    i transferred money from my account on 4 feb 17 at 10.38 am. till date money is not received from recipent. but my account has debited the amount.how many days it will take to refund.

    Reply
  19. Parinita chakraborty

    Sir, I did transaction yesterday but it tends to failure and my money has been deducted from my account. So can you plzzz tell by how much time it will be refunded? Also iam calling to the bank’s number still nobody is replying. …

    Reply
  20. Manish Kumar singh

    I am many time try to verified my mobile no but so long time only show processing for verification, show pls wait what I do

    Reply
  21. INDERPAL MATHARU

    Sir i have MI3 phone. i have dowwnloaded BHIM but after this BHIM not opening at alll

    Reply
    1. N RAMACHANDRAN

      I transfeered Rs. 10000 to IFSC account. Sent on 24th. Still says pending. When I wanted to talk to the Bank. It is helpless. Who should I report to?

      Reply
      1. Sachin Kharat

        So even my the same problem… The bank customer service are saying its 3rd party app we cant help… Wat a bullshit service u provide.. Even ur bhim app customer mail haven’t rply yet to menor they r receiving any call from no 02240009100 and 02240508500… Really wat a worst service u provide.

        Reply

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