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Fund Transfer made easy with

BHIM Baroda Pay

going-digital-extra-benefits

Bank of Baroda presents Bhim Baroda Pay - A Unified Payments Interface (UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA). No need to remember beneficiary details like account number, IFSC, Mobile Number, MMID etc. Send or Collect money using a Virtual Payment Address.

A Virtual Payment Address (VPA) is a unique identifier that you set and link to your bank account. (Example: yourname@barodampay )

Once linked, just quote your VPA instead of account number and IFSC to make or receive payments.

Unified Payments Interface (UPI) is payment system by NPCI that allows transfer of funds between accounts in convenient manner.

The details of incentive for Customers are as follows

Sr. No.

Incentive on Transaction

Incentive Amount (Rs.)

Terms & Conditions

BHIM Baroda Pay app user of our Banks unique financial transactions

Rs.25/-

Minimum transaction value should be Rs. 100/-
The incentive will be paid for maximum 20 unique transaction per calendar month
Only unique transactions are eligible for incentive

BHIM Baroda Pay app user of our Banks financial transactions

No. of transactions	Incentive per month
>=25 but less than 50	Rs. 100/-
>=50 but less than 100	Rs. 200/-
> than 100	Rs. 250/-

Minimum transaction value should be Rs.10/-
Calendar month will be used for calculation of month

(Unique Transaction – Only the first transaction where ‘A’ transfer funds to ‘B’, second transaction between ‘A’ and ‘B’ is not considered unique)

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.

Sr No	No of credit Transactions	Incentive Amount (Rs.)	Terms & Conditions
1.	Minimum transactions to be done in order to start earning incentive =>5	10% of transaction value with upper cap of Rs. 50/- per transaction	Minimum transaction value should be Rs. 25/- Maximum cashback of Rs. 1,000/- per month Calendar month will be used for calculation of month

New Feature

Application is available in Hindi language for our Hindi conversant customers
Now ATM/ Branch locator is available for customers using UPI application
Enhancing of “I am Merchant” feature with adding of Agent and Bulk Collect Request for merchants.

Transaction Limits of BHIM Baroda Pay

Fund Transfer(P2P – Person to Person) - BHIM Baroda Pay

Transaction	Per Transaction (amount)	Per Day (amount)	Min Amount per transaction	No. of transactions per day, per account
Fund Transfer	Rs.25,000/-	Rs.1,00,000/-	Re. 1/-	10 (24 hrs. rolling limit)
Fund Transfer (After setting / resetting of UPI PIN)	Rs.5000/- (PIN Set or Reset)	Till 24 hours. Old limits applicable post cooling period	Re. 1/-	10 (24 hrs. rolling limit)
IPO (ASBA)	Rs.2 lac	Not applicable	Not applicable	Not applicable

Merchant Transactions(P2M – Person to Merchant) - BHIM BARODA PAY

Maximum per transaction	Rs. 25,000/-
Maximum per day	Rs. 1,00,000/-

Key Features

I am Merchant
Send and receive money instantly
Safe and Secure
24*7 Availability
Transaction Limit Setup
One App for all Payments
Easy access to Complaint module
Scan and Pay
Generate Static and Dynamic QR Code
UPI Id can be used for subscribing for an IPO

How to register

Step 1 : Download the app from Google Play Store.
Step 2 : Click Register for new registration or Already registered for already user.
Step 3 : Enter details (Name, Last name, Email etc.) and Set a Virtual ID (VPA).
VPA is an identifier (eg. suchi@barodampay, wherein “suchi” is a unique name that you can choose for yourself) that can be uniquely mapped to an individual account that can be used for making and receiving payments without sharing account details.
Step 4 : For dual SIM users, Select registered mobile number and enter the same(Standard SMS rate will be charged).
Step 5 : Confirm mobile number.
Step 6 : Set 4 digits login PIN and Question and answers.
Step 7 : Login with 4 Digit login PIN and Add Bank Account to enjoy seamless facility.

Security Features

Two factor of authentication and secured level of validation
New user (User who has Set/Reset UPI PIN) can transact for Rs. 5,000 as the first transaction.
Enhanced level of Device Binding security
Setting up desired per transaction and per day limit for each added account separately through BHIM Baroda Pay app.

Merchants in BHIM Baroda Pay through UPI QR Code

Easy, Convenient, Hassle-free collection channel for Merchants
Three Types of Merchant in UPI i.e.
- I am Merchant (in-app)
- Retail Merchant (One-page form)
- Corporate Merchant
Customized Solution to Corporate Merchants
- Web based merchant payment solution
- Mobile based application solution
- Offline Payment where merchant is not having online infrastructure such as website / mobile app to receive payment
- Retail merchant through QR code
- Bulk Collect / QR code based solution
Low Merchant Discount Rate (MDR) as compared to other products/ channels in the industry.
User friendly Merchant Portal for downloading real time MIS/report for ease of reconciliation and transaction status.

For more details regarding Merchant on-boarding in UPI click here

Download App

Go ahead and download BHIM Baroda Pay, Bank of Baroda UPI application to experience the unique way of making payments using a Virtual Payment Address (VPA).