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Neha Patel

BHIM App: Step–By-Step Guide on How to Use Mobile Payment App Launched By PM Modi

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Before 3 weeks ago Prime Minister Narendra Modi announced a new digital payment app named BHIM (Bharat Interface for Money) Design & Developed by the National Payments Corporation of India (NPCI), BHIM is an aggregator for all type of UPI-based services offered by banks. As of now this App is available for android smartphone user only.

UPI (Unified Payment Interface) is a payment system that allow a money transfer between any of two bank accounts with the help of Smartphone. Unified Payment Interface (UPI) System allow a customer to pay directly from one bank account to other different merchant bank account, it provide both way either online or offline, without the bother of typing credit card details, IFSC code, Net banking or else wallet password.

BHIM App is very easiest app to do digital payment but many of people are don’t know about it or even don’t know how to use it.


How to Use the BHIM App for Digital Payment:

Here is a step by step guidance on how to use BHIM app for digital payments.

1. Android smartphone user can download the app from google Play Store by searching for ‘BHIM’.

2. Now Install the app and choose your language. After that app will prompt you to verify your phone number using an SMS. Now click on next and wait till the verification process to be completed.


3. Once the verification process is done, insert a four digit pass code.

4. After pass code is set, the application will ask you to select your bank. Once the bank is selected the app automatically take your details using your phone number. Select your primary bank account that will used for all your bank transaction.


5. The application displays three options send, request and scan & pay. Transactions are possible only between verified phone numbers (Bank in registered phone number).

6. To transfer money to someone, type amount to be transferred. The application will show you to input your MPIN, generally a four or six digit code that authenticates a mobile transaction.

7. Likewise, you can request money from someone, using their contact number.


8. The last third option, scan & pay, allows app users to transfer money using a QR code, a two dimensional black and white barcode which can be decrypted by a smartphone or a tablet. Each phone number is allocated a QR code which can be opened under profile on the home screen.

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