NPCI Vision NPCI Mission

To be the best payments To touch every Indian with one

network globally or other Payments Services

Public - Marketing
NPCI is a
not-for-profit company
building a robust,
scalable & affordable Presently 56 banks
payments infrastructure are shareholders of NPCI
out of which there are
for India
19 Public Sector
Banks
An Umbrella Organization
for all retail payments 17 Private Sector
Banks
in India. Incorporated
3 Foreign
in the year 2008 Banks

NPCI was set up under 7 Multi State Co-op

Banks
the guidance and
support of RBI & IBA 10 Regional Rural
Banks
Public - Marketing
Agenda of Training

Sr.No Presentation Topic Time Slot

10.30 to
1 NPCI Company Overview and NPCI SBI relationship details 10.45
10.45 to
2 RuPay Product Presentation 11.15
11.15 to
3 NCMC Product Presentation 12.45
12.45 to
4 UPI & IMPS Product Presentation 1.45
1.45 to
5 Lunch Break 2.30
2.30 to
6 National Electronic Toll Collection 3.00
3.00 to
7 Aadhar Enabled Payment System 3.30
 Introduction

RuPay is India’s own domestic card scheme RuPay holds 60% of market share on Debit
conceived and launched by NPCI Cards

The RuPay card was launched in March 2012 Makes cost structure transparent and simple
for banks

Providing Universal Access to card payment Tied up with Discover, China Union Pay & JCB
system Japan for international acceptance

Internal - UPI
 Benefits

Simplified and Customized High Security Dedicated 24x7 Acceptance at all PoS/e-
Affordable Pricing Product Offerings Features Customer Support Comm Merchants

Internal - UPI
NATIONAL PAYMENTS CORPORATION OF INDIA

1
 An innovative
“real-time” payment
service that is available
“round-the-clock”
(even on holidays) and
facilitates interbank
(available with select
PPIs also), Account to
Account (or to wallets*
also) fund transfer.

Internal - UPI
2
IMPS Benefits

Real-time domestic fund Simple, fast and easy to

24 X 7 X 365 availability Channel Independent
transfer use

AADHAAR No. based Multiple access

Alternate input options
transaction enabled mechanism

3
 UPI Introduction

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application
(of any participating bank), merging several banking features, seamless fund routing & merchant payments into
one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement
and convenience

UPI Features

Push and Pull UPI ID Transfer using Single Banks (Payment One App for all Single Click
Payments (‘Username@PSPName identifier like Virtual Service Provider) will transaction needs 2 Factor
’) Address or Aadhaar provide App to Authentication
No customers of any
bank
(No need to share Bank
account details)

9
Participants
Participants in UPI Eco system

Merchant or Customer’s bank

(account relationship)

PAYMENT
SERVICE
PROVIDE BANKS NPCI
R (PSP)

Aggregato
Merchant
r TPAPs

1
UPI Transaction
Transaction Types Type

Non -
Financial
Financial

Mobile Banking
Registration

Check Balance

Generate
UPI Pin

Change
UPI Pin

Merchant
Send Money Collect Money
Payments (P2M &
(P2P) (P2P) M2P)

1
National Electronic Toll Collection
Program
Internal - BusinessDevelopment
Why FASTag (RFID Technology) for ETC

RFID
Technology

Connectivity & Cost

Vehicle Identification

Vehicle Classification Violation Processing

Transaction Processing

Internal - BusinessDevelopment
NETC FASTag Stakeholders

Issuer/ Acquirer
Banks

Concessioners
Plaza Operators
System Integrators

Internal - BusinessDevelopment
 AePS: Type of Transactions

BALANCE ENQUIRY AUTH

Demographic
CASH WITHDRAWAL Authentication
CASH DEPOSIT Best Finger
Detection
FUND TRANSFER e-KYC

MINI STATEMENT
OTP
BHIM AADHAAR
(MERCHANT PAY)

Confidential - BusinessDevelopment
Why AePS/BHIM Aadhaar?

AePS was launched to sub-serve the goal of Government of India (GoI) and Reserve Bank of India (RBI) in
furthering Financial Inclusion.

AePS is usage of Aadhaar as payment instrument & Offered through BC channel/Kiosk Model

To enable banks to route the Aadhaar initiated interbank transactions through a central switching
and clearing agency i.e. NPCI.

To facilitate disbursements of DBT like NREGA, Social Security pension, Handicapped Old Age Pension etc. of any
Central or State Government bodies, using Aadhaar and authentication thereof as supported by UIDAI.

To facilitate inter-operability across banks in a safe and secured manner.

To build the foundation for a full range of Aadhaar enabled Banking services.

Confidential - BusinessDevelopment
NPCI looks forward for an interactive training session tomorrow !!!

THANK YOU