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  IMPS merchant payments > How does it work? > Customer initiated transaction (P2M PUSH)

In the customer initiated transaction (P2M PUSH), customer initiates transaction through the Bank’s mobile banking application or SMS facility provided by the Bank. The Bank offers ‘IMPS merchant payments’ form in the mobile banking application (this form is available in ‘IMPS’ menu on the main menu of mobile application) or SMS syntax for performing P2M PUSH transaction. Customer needs to enter the following parameters:

  1. Merchant mobile number
  2. Merchant MMID
  3. Amount
  4. M-PIN
  5. Payment Reference

Payment Reference is an optional 50 characters field provided. This field will be used to enter the unique reference for the payment, and identifies the transaction to the merchant. The merchant decides what customer will enter in this field. For e.g. for insurance premium payment, customer may need to enter policy number in the payment reference field; for electricity bill payment, it may be consumer number. The syntax and information to be input in the payment reference field will be decided by merchant, and communication of the same will be merchant ownership

The SMS syntax for making P2M PUSH transaction through SMS is as follows:

MIMPS <Merchant mobile number> <Merchant MMID> <Amount> <M-PIN> <Payment Reference> to Bank’s long code or short code number.

On initiating transaction as above, customer receives the confirmation SMS with status of transaction shortly.

For IMPS P2M PUSH transaction initiated through SMS, transaction limit is Rs 5,000/- per day (for most banks), and for transactions initiated through mobile banking application, transaction limit is as decided by the Bank (Rs 50,000/- for most banks)

For details on how exactly to initiate P2M transaction through PUSH for specific individual Bank, please click here

For details on various services that are available on P2M PUSH, please click here

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