Bhim Aadhaar Baroda Pay

What is BHIM Aadhaar Baroda Pay?

BHIM Aadhaar Baroda Pay is Bank of Baroda’s digital payment acceptance solution that allows customers to pay for their purchases directly from their bank accounts. The application is especially created for retail merchants who can accept payments with the help of android and biometric devices. Retail merchants can receive digital payments over the counter, simply by authenticating the Aadhaar number and biometrics of customers to pay for their purchases. As long as the customer has linked his bank accounts (including non-Bank of Baroda Accounts) to his Aadhaar card, it doesn’t matter which bank account he uses to pay for his purchases. Once the biometrics and Aadhaar number is verified, the funds are transferred from the customer’s account to the merchant’s account in real time. The maximum limit on a transaction made with the BHIM Aadhaar Payment app is Rs. 10,000.

Requirements for the merchant to start using BHIM Aadhaar Baroda Pay

Merchants will need:

• A Bank of Baroda current/savings account linked to their Aadhaar Card.
• A Standardisation Testing and Quality Certification (STQC) certified biometric reader along with a micro-USB/USB C-type connector.
• An internet-enabled android smartphone or tablet with a version Android 9 and above as well as OTG (On-the-go) support for connecting the biometric device.
• The Android device should be able to power the biometric reader.

How to go live with BHIM Aadhaar Pay

• Download the BHIM Aadhaar Baroda Pay Android App.
• Fill the application form and sign the merchant agreement.
• The bank will carry out the on-boarding registration process and agreement through its regions/zones.

Advantages of using BHIM Aadhaar Pay

• Merchants can receive payments directly into their accounts.
• Customers can pay for their purchases from their bank account directly.
• No need for customers to pay in cash as payments are made through Aadhaar linked bank accounts.
• No need to carry debit or credit cards or sign for purchases.
• Safe, simple and easy to use.
• Secure method of payment as biometrics of an individual cannot be forged.
• Transaction is initiated simply through biometric information.
• Can be operated with various banks.
• Can be used for home-delivery payments too as vendors can carry their phone and biometric scanner with them easily.