Unified Payment Interface (UPI) platform to bring digital inclusion in India.

The objective of
this initiative is to transform India into a cashless economy while making transaction simple for
consumers. Simply put, UPI enables all bank account holders to send and receive money from
their smartphones by creating a Virtual Payment Address (VPA) of their choice and link it to any
bank account. The VPA acts as their financial address and users need not remember any bank
account information for sending or receiving money.

Key features of BHIM Baroda Pay, UPI application

 One App for multiple bank Account Add multiple Bank Accounts in same
application.
 Send and receive money instantly Send or Collect payments with a Virtual
Payments Address.
 Self-declaration as merchant (I am a Merchant)Customers can declare
themselves as merchant and receive payment from their clients.
 Safe and Secure1 Click two-factor authentication makes it a safe and secure
payment option.
 24*7 Availability You can send or receive money 24*7, even on public/bank
holidays.
 Instant Payment of any transactionReal time settlement of Funds based on
IMPS transactions.
 Secrecy of account and card details by using Virtual ID and Aadhar no.No
need to remember or share account details while sending and collecting
payments.
 One App for all Payments Use 1 app to do all payment like Send, Collect,
utility and merchant payments.
 ● Easy access to Complaint moduleApplication have inbuilt integration User
Can log and trace complaint of any transaction.
 Scan and PayCustomer can make payment to P2P (Person to Person) and
P2M (Person to Merchant) by using QR code. It can scan both UPI and
Bharat QR Code.
 QR Code: Customer can generate Dynamic and Static QR Code and the same
can be scanned through any UPI enabled application for collecting payments.

Digital on-boarding process in BHIM Baroda Pay UPI APP

1. Please go to Google Play Store (Android Users) or iOS AppStore (iOS

Users) for downloading - BHIM Baroda Pay UPI application.
2. Post complete download, the application will install on the device.
3. Click on the installed application to register and accept all app permissions to
start the registration process. 
 4. Enter your registered mobile number and select the SIM Slot in which your
registered mobile number is placed.
5. A silent SMS will be sent from your registered mobile number. Make sure
sufficient mobile balance is available for sending silent SMS.
6. After mobile number verification, application prompts to enter name and
proceed.g)    Select the Bank where your Bank account exists under the same
registered mobile number.
7. Post selection of account, application will display the list of all eligible
accounts for UPI.
8. Select any one / all the accounts and create a VPA (UPI ID).
9. Create login PIN, select security question and create answer.
10. Accept the Terms and Conditions and proceed, which completes the
registration in BHIM Baroda Pay UPI.
11. Post registration, generate UPI PIN to be used for transaction.
12. In the home screen under added accounts, UPI PIN status will be displayed
(Set / Not Set)
13. Click on the three dots icon under desired account.
14. Select the option -> Set UPI PIN. On the next screen-> Enter last 6 digits of
debit card issued in the same account.
15. Enter the card expiry and proceed.
16. An OTP will be received on registered mobile number. The same will be
auto read by the application. In case of devices where auto read facility is by
default disabled, manually key in the OTP.
17. Now create UPI PIN and reconfirm the same.
18. UPI PIN is successfully set. Now you are ready to do UPI transactions.

Who can use UPI services?

✔    Mobile number should be registered with bank accounts.

✔    Saving account holders with mode of operation “self” and “either or survivor” (except
NRE/NRO &SukanyaSamridhi).

✔    Current Account holders with mode of operation “Sole Proprietor”.

✔    OD Account holders with scheme code OD002, OD003 and OD004.

✔    At a time only single Customer Id accounts can be linked to send or receive money.

✔    Debit Card is mandatory for linking of Account and transacting through the App.

Who can use UPI services?

✔ Mobile number should be registered with bank accounts.

✔ Saving account holders with mode of operation “self” and “either or survivor” (except
NRE/NRO & Sukanya Samridhi).

✔ Current Account holders with mode of operation “Sole Proprietor”.

✔ OD Account holders with scheme code OD002, OD003, OD004, OD005, OD006, OD016,
OD017, OD023, OD026, OD028.

✔ At a time only single Customer Id accounts can be linked to send or receive money.

✔ Debit Card is mandatory for linking of Account and setting of UPI PIN for transacting
through BHIM Baroda Pay – UPI App.

Services Available:3.4.1 FINANCIAL SERVICES

● Send Money using VPAa. (UPI id), b. IFSC + Account noc. and Mobile number + MMID

● Collect Money using VPA (UPI id)/QR code

● Scan any BHIM / Bharat QR code to make payment 

● Approve Collect Request - Merchant Payment (P2M) and from friends etc. (P2P) 

● Recharge Baroda FASTag or other bank FASTag using Pay option. Enter VPA as
netc.vehicleno@barodampay or netc.Vehicleno@icici etc.

● Make bill payment for various billers like Electricity, Water, etc. on Bharat Bill Payment
System (BBPS), Mobile / DTH Recharge, Insurance Premium

NON-FINANCIAL SERVICES

• Balance Enquiry

• Manage Linked Account / Details

• Creation / Execution / Modification / Revoke of One time mandates request for P2P
transactions.

• Approve One Time Mandate for ASBA and other Merchants Collect Mandate request.

• Set Account limit for per transaction and per day (applicable only with BHIM Baroda Pay app) 

• View Transaction History 

• Customer Dispute Management. 

• Change & Reset UPI PIN, login PIN and QNA (Security Questions and Answer) 

• Unblock VPAs blocked earlier• Debit blocking of Mobile number for the account linked to UPI
(Only for BOB account holders)

• Self-Declaration as Merchant through I am Merchant option• Creation of Agents by Merchants

in Merchant Mode option.

• Bulk Collect Request: Merchants mode

• Downloading of QR Code of created agent.

• Generate Dynamic and static QR for collection of payments. 

• Deregistration from application

• Branch / ATM Locator / FAQ’s / Language

How to send Money on BHIM Baroda Pay:

 Using Virtual Payment Address (VPA)

 Using Account Number and IFSC
 Using Mobile Number & MMID

How to Collect Money on BHIM Baroda Pay:

1. Using Virtual Payment Address (VPA)

2. QR Code

Transaction Limits: 

Transaction Type Per Transaction Per day (amount) Min. Amount per No. of Transac
(amount) Transaction per day
Fund transfer(P2P) Rs.25,000/- Rs.1,00,000/- Rs.1/- 10 (24 hrs rolli
limit)
Fund Transfer(P2P) Rs.5000/-(PIN Set or Till 24 HrsOld Rs.1/- 10 (24 hrs rolli
After Setting/Resetting Reset)  limits applicable limit)
of UPI PIN post cooling period
 
IPO (ASBA)  Rs.2,00,000/- Not Applicable  Not Applicable Not Applicable
Fund transfer(P2M) Rs.25,000/- Rs.1,00,000/- Rs.1/- 10 (24 hrs rolli
limit)
Merchants can also use this app by registering with “I am a Merchant” option and are eligible for
incentive by receiving payments via this app.

UPI 2.0 in BHIM BARODA PAY 

 It is new version of UPI payment system with enhanced and secured features
 Currently it is available for Android users only.
 One-time mandate facility 
 Linking of overdraft facility
 Invoice in inbox 
 Signed intent and QR 

Some security tips

1. Mobile number can be feeded in your account by the base branch only.
2. Download BHIM Baroda Pay UPI application from valid platforms i.e.
Google Play store, IOS app store etc. Don’t download the application from
any third party sites / links.
3. Keep pattern lock/PIN lock/ finger print lock in your mobile for added
security.
4. SMS is being sent on your registered mobile number for application
registration and financial transaction.
5. Keep Login PIN and UPI PIN strong and refrain from keeping regular
patterns which can be easily guessed like 1111/2222/1234/ Birth year,
mobile number/telephone number
6. Be aware of Phishing & vising attacks. Do not enter your personal data like
account number, ATM PIN, UPI PIN, Debit card credentials, OTP on
unknown links or google forms.
7. Do not accept / authorizecollect request from unknown person as this will
result in debit of account.
8. Always remember UPI PIN is an authorization to debit your account. UPI
PIN should never be used to authorize a request to receive money from
someone.
9. Do not install any third party apps / software on your mobile device that
gives remote access of your phone. Avoid installing software’s like
TeamViewer, Quick Support and Any Desk on the pretext of someone trying
to guide you by taking remote access of your device.
10. New user (User who has Set/Reset UPI PIN) limit for 1st transaction is
Rs.5000, this lowers the risk exposure after PIN set / reset.
11. User can set up desired per transaction / day limit for each added account.

If a fraud occurs in UPI what steps to be initiated?

1. On an event of fraud or unauthorised transaction, please immediately call the

Contact Centre on 1800-102-44-55 and 1800-258-44-55 to block the UPI
 channel for transactions. Also ask the Contact Centre agent to block the debit
card linked to your account.
2. If you are using the BHIM Baroda Pay application, please login to the
application and select Debit Blocking option on the homepage. Click on
proceed to block UPI transactions.
3. If you have a nearby branch, please proceed to the branch and request the
staff to Debit Freeze / Block your account so that further transactions do not
take place.
4. Please visit cyber cell of your city and register FIR for the fraudulent
transactions immediately.
5. Submit an application and the FIR copy to frm.upi@bankofbaroda.com
through your base branch. In case you are unable to visit the branch, please
mark a copy to the branch in the mail and send the mail directly to the above
mentioned mail ID.
6. Please note any unauthorised transaction will only happen on the account of
sharing of credentials. Please refrain from sharing any credentials to anyone.
Bank / its employees / Contact Centre agents will never ask for ATM PIN,
UPI PIN, CVV or OTP.
7. Post FIR submission, our fraud risk team will take up with the Bank where
the funds are lying and raise charge back. This process is on a good faith
basis and there is no guarantee that the funds will be reversed to your
account.

How BHIM Baroda Pay application is superior to other third party apps?

1.  Our application contains high level security like scrambling keypad during
login, registration allowed only through device internet and not on Wi-Fi,
Checks on SIM serial number and registered mobile number, Blank screen in
case of applications like Quick Support and Any Desk installed on the
device. Our application is compliant will all the NPCI/ other regulatory
guidelines/ advisories issued till date.
2. In case a customer has multiple customer ID’s linked to a single mobile
number, BHIM Baroda Pay application allows the customer to register by
selecting accounts under anyone customer Id. Other third party applications
will not allow for registration, where customer has multiple customer ID’s
linked to a single mobile number.
3. The application has option of repeat transaction which is not available in
many peer applications. 
4. The application is the 2nd only PSU Bank UPI application to offer BBPS
services integrated with UPI. The first being SBI.
5. The application has option of setting transaction limit (per transaction & per
day) which is not available in many peer applications.
6. The application has facility of debit blocking which is not available in many
peer applications. This facility restricts any further UPI transactions.
7. The facility of I am Merchant offered by BHIM Baroda Pay UPI is available
in very less peer applications with newly added features like creation of
 agents and bulk collect features, which are not available in many peer
applications.

Digital Tips on BHIM Baroda Pay UPI:

 You can do Mobile/DTH recharge and Utility Bill Payments through your
BHIM Baroda Pay UPI Application.

1.  Login to BHIM Baroda Pay UPI application (Android users).

2. On the home screen, select the desired category under Recharge & Bill Pay
-> Mobile Prepaid | DTH | Electricity, etc……
3. Enter your mobile number or subscriber ID or consumer number / desired
detail as per category selected.
4. Enter the desired amount or in some categories of biller’s, bill amount will be
fetched.
5. Select your desired VPA and account number to be debited.
6. Enter UPI PIN on the secured page and confirm for the transaction to get
completed. 
7. Transaction confirmation as bill receipt is generated for your convenience to
acknowledge successful payment.

 You can make payments at different grocery stores / essential outlets without
carrying cash where payment through UPI option is provided or QR Code is
displayed.

1. At the payment outlet, UPI QR code would be displayed on a standee or

pasted. Please check UPI logo is displayed.
2. Open / Login to your BHIM Baroda Pay UPI application.
3. Select option Scan QR on the home screen.
4. Scan the QR code, VPA of the merchant/outlet owner and name will be
displayed on the screen.
5. Enter the desired amount, select your VPA and account number to be
debited.
6. Enter UPI PIN on the secured page and confirm for the transaction to get
completed.
7. Payment is made successfully to the Merchant.
8. Transaction confirmation as successful payment is generated for your
convenience to acknowledge successful payment

  You can make payments at any online site where payment option as UPI is
provided.

1.  Checkout from the online site after completing your order.

2. At the payment page, apart from other payment option namely Debit / Credit
Card, Netbanking, etc., UPI also would be mentioned as a payment option.
3. Select UPI option on the payment page, enter your VPA / UPI ID (for
example: test1234@barodampay) and click on submit.
4. A timer for payment confirmation will start on the online sites’ payment
page.
5. You will receive SMS and app notification on BHIM Baroda Pay UPI
mentioning the verified merchants name and amount for collect request
approval. For example: IRCTC UTS has requested money from you on your
BHIM Baroda Pay app. On approving the request, Rs.2500.00 will be
debited from your account.
6. Open / Login to your BHIM Baroda Pay UPI application.
7. In the notification bell icon, the request can be seen.
8. Confirm the VPA of the merchant/outlet owner, merchant name and amount.
9. Select account number to be debited.
10. Enter UPI PIN on the secured page and confirm for the transaction to get
completed.
11. Payment is made successfully to the Merchant.
12. Transaction confirmation as successful payment is generated for your
convenience to acknowledge successful payment.
13. Transaction confirmation as successful payment received is also generated
on merchant website to acknowledge successful payment and fulfilment of
order. 

 You can block UPI payment mode in case of unauthorised transactions

due to credentials being shared/ compromised.

1.  Open / Login to your BHIM Baroda Pay UPI application.

2. Select "Debit Block" option from the home screen or side menu.
3. On clicking you will receive a prompt informing the blocking process.
4. Click on Proceed and all Bank of Baroda accounts will be blocked for UPI
transactions through any UPI application.
5. If you are unable to login to the application, call our Contact Centre for
blocking of UPI services (only Bank of Baroda excluding eDena/eVijaya) –
1800 102 44 55 / 1800 258 44 55

  You can link / add accounts of different banks in BHIM Baroda Pay
UPI

1. Download and install BHIM Baroda Pay UPI application from Google Play
Sore (Android users) / IOS app store (IOS users)
2. Complete the registration process of UPI, by verifying your registered
mobile number and create your profile.
3. Select your Bank where accounts attached to your registered mobile number
exist.
4. After selecting desired Bank, all the eligible accounts for UPI will be
displayed. You can select desired account and proceed to complete
successful registration.
5. You can also add more accounts for your usage post registration.
6. Go to the home screen and click on the "+" (plus) Icon under Bank accounts.
7. Select the desired Bank and click on fetch accounts. 
8. You will be displayed all the eligible accounts. Select the desired account
and proceed.
9. After confirmation the newly added account will be displayed on the home
screen

 Setting / Generating of UPI PIN (in case of new UPI customer) 

1. Post registration, you have to generate UPI PIN to be used for transaction.
2. In the home screen under added accounts, UPI PIN status will be displayed
( Set / Not Set)
3. Click on the three dots icon under desired account.
4. You will find the option of Set UPI PIN.
5. Select the option. On the next screen-> Enter last 6 digits of your debit card
issued in the same account.
6. Enter the card expiry and proceed.
7. An OTP will be received on your registered mobile number. The same will
be auto read. In case of devices where auto read facility is by default
disabled, you have to key in the OTP.
8. Now enter the UPI PIN which you desire to create and reconfirm the same.
9. UPI PIN is successfully set. 
10. Now you are ready to do UPI transactions…….

 You can accept Collect Request from friends or do merchant payments 

1.  You can receive collect request from a person requesting money from you or
when you are making payment to an e-commerce merchant.
2. While making merchant payments, you have to enter your VPA where you
will receive collect request (For example: test123@barodampay)
3. Open / Login to BHIM Baroda Pay UPI application.
4. You will find a notification icon on the top. Please click on the notification
icon.
5. You will be able to see the collect requests received.
6. If the merchant is verified and has an invoice facility, you will be shown an
option to view the invoice. 
7. Merchant's status of verified/ unverified will be displayed for your
convenience.
8. Please verify all details like Merchant Name and Amount to be debited and
click on proceed.
9. Enter your UPI and confirm. 
10. Now the transaction is successful.

  You can create one-time mandate in BHIM Baroda Pay UPI.

 1.  Open / Login to your BHIM Baroda Pay UPI application.
2. Select the option of Mandates from the homepage.
3. Click on Create Mandate under Mandates.
4. Enter the desired VPA for whom you want to create a mandate i.e. the
beneficiary VPA
5. Enter the amount and select the expiry date till when the Mandate will be
valid. The beneficiary will be able to execute the mandate anytime within the
given dates. You can also select option of "Share with Payee" where Payee
will receive notification immediately.
6. Click on the proceed. 
7. Now mandate is successfully created. A lien of the entered amount will be
marked in your account till the expiry date. You can share the Mandate QR
Code generated through any third party application with the Payee. 
8. The Payee has the option of executing the mandate under the same option
under "Pending Request"
9. The Payee also has the option of using the Mandate QR Code and scanning
the code under Mandates option. The execution can also be processed
through this option.
10. After execution by Payee, the amount will be debited from your / remitter
account and will be transferred to beneficiary.
11. In case the Payee doesn't execute the mandate within given time, the mandate
will be expired. The lien amount will be released on the next day of expiry.

Gist of Circular – BHIM Baroda Pay

Circular Date Subject

Number
HO:BR:112:115 19-03- Launching of facility to make payments of Bharat Bill Payment System (BB
2020 Billers and Mobile Prepaid and Insurance Billers in BHIM Baroda PAY
application
HO:BR:112:57 12-02- Preventive Vigilance - Modus Operandi of recent unauthorised transaction in
2020 Unified Payment Interface (UPI): Precaution and safeguard to be followed fo
avoiding recurrence
HO:BR:111:373 31-12- UPI 2.0 in BHIM Baroda Pay – Towards a complete Digital Ecosystem
2019
HO:BR:111:266 20-09- Fraud Mitigating measures released by NPCI for Collect Request in UPI - BH
2019 Baroda PAY
HO:BR:111:255 13-09- Launching of     (UPI) Application “BHIM Baroda PAY Application in Hind
2019 Android users”
HO:BR:111:193 20-07- Launch of “BHIM Baroda PAY Application on IOS”
2019
HO:BR:111:170 26-06- Usage and Transaction restrictions implemented in BHIM Baroda Pay UPI-
 2019 Bank’s UPI application
HO:BR:111:59 11-03- Preventive Vigilance - Modus Operandi of recent unauthorised transaction in
2019 Unified Payment Interface (UPI): Precaution and safeguard to be followed fo
avoiding recurrence
HO:BR:111:54 28-02- Master Circular on Bank’s Unified Payment Interface (UPI) Application “BH
2019 Baroda PAY”
BCC:BR:110:243 14-05- Continuation of Incentive for Promotional Scheme for BHIM Aadhaar Barod
2018
BCC:BR:110:216 25-04- Extension and modification of BHIM UPI incentive scheme for individuals a
2018 merchants
BCC:BR:110:108 03-03- Re-Launch of Bank’s Unified Payment Interface (UPI) Application “BHIM
2018 Baroda PAY”

Lesson 6 - 
Baroda e-Gateway