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kgb Aadhaar Pay - Aadhaar Based Merchant App

With Aadhaar Merchant App all you need is your Aadhaar Number and finger print to do a transaction. If you have an Aadhaar Number and a bank account you can do the transaction without any card or mobile device, by simply providing Aadhaar number. KGB is the first bank in the state and third bank in the country to roll out this innovative facility.

Features

  • The App will validate the AADHAAR Number and finger print from the UIDAI server before initiating the transaction
  • Biometric authentication used in this app is highly secure.
  • Sale amount will be transferred from the buyer’s account to the seller’s account instantly.
  • A confirmation regarding the transaction will be received in the buyer’s and seller’s mobile phones.

Benefits

For Buyers

  • No need of Credit/Debit Cards, Digital Wallets, Mobile Banking.
  • Need only to remember his AADHAAR number to carry out the payment.
  • Highly secured as the validation is done by way of biometric authentication.
  • Log of all transactions can be had from Bank Account passbook/Mobile Passbook.
  • Digital proof for payment.

For Merchants

  • If the merchant owns an Android mobile with the required specifications, the same mobile can be used to port the application
  • A onetime investment to be made for procuring biometric devices. No initial deposits or monthly rent.
  • Zero MDR (Merchant discount rate). Full sale amount is transferred to merchant account without deducting any commission.
  • Real time credit will be effected. Full sale amount will be credited to the merchant’s account in real time. He can immediately withdraw or make use of this amount.

Requirements for KGB Aadhaar App

  • Should have an android smartphone with data connection
  • Should have an STQC certified biometric device to capture finger print
  • Should have an Aadhaar linked Bank Account
  • Should execute an agreement with Bank

Rates & Charges

  • No Fees / Charges for enrollment
  • The App will validate the AADHAAR Number and finger print from the UIDAI server before initiating the transaction
  • Biometric authentication used in this app is highly secure.
  • Sale amount will be transferred from the buyer’s account to the seller’s account instantly.
  • A confirmation regarding the transaction will be received in the buyer’s and seller’s mobile phones.

For Buyers

  • No need of Credit/Debit Cards, Digital Wallets, Mobile Banking.
  • Need only to remember his AADHAAR number to carry out the payment.
  • Highly secured as the validation is done by way of biometric authentication.
  • Log of all transactions can be had from Bank Account passbook/Mobile Passbook.
  • Digital proof for payment.

For Merchants

  • If the merchant owns an Android mobile with the required specifications, the same mobile can be used to port the application
  • A onetime investment to be made for procuring biometric devices. No initial deposits or monthly rent.
  • Zero MDR (Merchant discount rate). Full sale amount is transferred to merchant account without deducting any commission.
  • Real time credit will be effected. Full sale amount will be credited to the merchant’s account in real time. He can immediately withdraw or make use of this amount.
  • Should have an android smartphone with data connection
  • Should have an STQC certified biometric device to capture finger print
  • Should have an Aadhaar linked Bank Account
  • Should execute an agreement with Bank
  • No Fees / Charges for enrollment

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