Just after the announcement by Prime Minister Narendra Modi about the demonetization on 8th November 2016, transactions became very rough and problematic for the lack of Rs 500 and Rs 1000 currency notes. And from then, non-govt companies like Paytm as well as Indian government launched their own payment apps to increase cashless payments in India. Aadhaar pay app is also a part of that where users can make transactions online with the help of their Aadhaar number. In this article, we are going to talk about Aadhaar pay app download process and how to use Aadhaar pay app to make transactions at merchant stores which accepts this payment method.
Aadhaar card based payment app let’s users transfer money to merchant stores with his fingerprint only. Even this method doesn’t need any internet connection for the payer. Just put your finger in the scanner machine and money will be deducted from your bank account and will be credited to merchant’s account directly & instantly. This also solves the problem of small notes and coins.
On the other hand, Aadhaar pay app is very secure as it always needs your fingerprint to send money from your bank account. Nobody else can use it without your permission and fingerprint. Though there are a lot numbers of online payment apps available in the market. But Indian government has made this Aadhaar pay app which is much more secure than any other cashless payment systems. The app is also easy to use.
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Both the merchant and the customers need to download Aadhaar pay app on their mobile phone. Merchant needs to create an account in Aadhaar pay app with his/her Aadhaar card number and the customers just need to use their 12 digit aadhaar card number and their fingerprint in order to transfer money. You can pay the money without buying or having any internet connection. Your aadhaar number and fingerprint is enough to make the transaction anytime anywhere.
Aadhaar Pay App: How It Works?
Aadhaar payment app was launched in official app store by Indian Government itself back in 25th December 2016. To use the Aadhaar payment system, users need their bank account which must be linked with their Aadhaar number. Users need to complete the KYC verification to begin using Aadhaar pay app.
Read Also : How To Link Aadhaar Card To PAN Card Online Or By Sending SMS?
Merchants normally uses a machine to accept payments using Credit or Debit cards. But this machine is costlier than a fingerprint scanner. And to make use of Aadhaar payment system, merchants just need a fingerprint scanner and a smartphone to use the Aadhaar pay app. On the other side, customers just need to install and create their account ready for transactions, then they can pay money at merchant stores without any internet connection but providing their aadhaar number and fingerprint.
Once the customer provide his/her aadhaar card number and the fingerprint scanning process is complete, the amount of money just transferred to merchant’s bank account in seconds. Merchants just have to download Aadhaar pay app on their phone and connect a fingerprint scanner in that phone via OTG. That’s it.
Aadhaar Pay App Download For Android, iOS & Windows
Aadhaar pay app is available in the store for all these three major operating systems. Just visit Google Play Store (for android), iOS Store (for iPhone & iPad) and Microsoft Store (for Windows phones). Simply search, download and install the app from there and below I have described how to use Aadhaar pay app to pay at merchant stores and shops.
How To Use Aadhaar Pay App To Receive Payment From Customers At Merchant Store?
- At first, download and install Aadhaar pay app in your phone.
- The phone must support an OTG connection.
- Launch the Aadhaar pay app and connect the scanner via OTG.
- Visit this link to buy bio-metric scanner machine from Amazon India.
- Just enter the amount & Aadhaar number of customer and verify the fingerprint.
- Once the fingerprint is verified by the bio-metric scanner machine, money will be transferred.
- Money will be deducted from customer’s bank and will be credited to the merchant’s account.
But, to begin with the steps given above, both the customer and merchant need to register on the app by providing their Aadhaar number, bank account, registered mobile number, name, email, etc. But that process is very easy and takes very less time to complete.
Benefits Of Aadhaar Pay App
- Doesn’t require any internet connection.
- Your fingerprint makes it more secure.
- Merchant gets the money in seconds.
- No need to pay extra charges.
- It solves the problem of small notes and coins.
At the end, I want to tell that merchants should keep in mind, if they has a smartphone with built-in fingerprint scanner, then they don’t need to invest in buying bio-metric machine. And the Aadhaar number must be linked to both merchant’s and customer’s mobile number in order to pay through Aadhaar based payment system. If you have any question regarding Aadhaar Pay App, please let me know by commenting below.
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