BHIM Aadhaar

BHIM Aadhaar


BHIM Aadhaar Pay enables Merchants to receive digital payments from customers over the counter through Aadhaar Authentication. It allows for any Merchant associated with any acquiring bank live on BHIM Aadhaar Pay , to accept payment from customer of any bank by authenticating customer’s biometrics.

To be able to effect the same, merchant should have an Android mobile with BHIM Aadhaar app and certified biometric scanner attached with mobile phone/Kiosk/Tablet on USB Port or Micro-ATM/POS, mPOS. Both Customer and Merchant should have their Aadhaar linked to their Bank Account.

BHIM Aadhaar Merchant Incentive Scheme

The BHIM Aadhaar Merchant Incentive Incentive Scheme will end on 31st March 2019.

Merchant Incentive Scheme upto Rs. 2000 Incentive every month.

BHIM Aadhaar Pay App user who has declared himself/herself as Merchant and is receiving payments via BHIM Aadhaar app will be eligible for an Incentive of 0.5% of the transaction value with minimum incentive as Rs.2 and upper cap of Rs.50 per Transaction. Maximum transaction limit is Rs.10,000


Aadhaar Authentication should be done using any Registered device viz, Micro-ATM/POS, mPOS, Kiosk/Tablet/Mobile Handset provided that transaction is for sale of Goods and Services by a merchant establishment and payment is by Aadhaar Number and biometrics.


1. What is BHIM Aadhaar Pay ?

   BHIM Aadhaar pay is an Aadhaar based payments interface which allows real time payments to Merchants using Aadhaar number of Customer &
   authenticating him/her through his/her biometrics.

2. What can I Do with BHIM Aadhaar Pay?

    Merchants can initiate transactions where customer can pay money using their Aadhaar no and authenticate it using their biometrics for the goods and
    services purchased.

    Merchant can View the transaction whether it is Successful transaction, Pending Transaction or Failed Transaction.

3. Where do I pay with BHIM Aadhaar Pay?

     Customer can pay using aadhaar number & biometrics at all merchant locations where BHIM Aadhaar Pay is accepted.

     Merchant will enter customer details and amount in his BHIM Aadhaar Pay App and customer has to provide his biometrics on the Merchant App after
     selecting his bank.

4. Is BHIM Aadhaar Pay available for all handsets and Operating System?

     BHIM Aadhaar Pay is available for all Android Smartphones. The minimum requirement for Android version is 4.4.

5. Is there a limit for a transaction?

      Limit on Value of Transaction: The per transaction limit is Rs.10,000 (as maximum incentive is capped at Rs.50, at 0.5% of transaction value)

6. What is the BHIM Merchant Incentive scheme for Merchants?

      It is a Scheme started for the merchants. Under this scheme Merchants are provided an incentive of 0.50% of transaction value for each transaction
      performed by them using BHIM Aadhaar App.
      Maximum Incentive that can be received by a merchant for a Transaction is Rs.50 and the Minimum Incentive for a transaction is Rs.2
      Examples: -
      • If a merchant does a transaction of Rs. 10000, Incentive = Rs.50 (0.50% of 10000)
      • If a merchant does a transaction of Rs. 2, Incentive = Rs.2 (0.50% of 2 or Minimum Rs.2)
7. Who is Considered as a Merchant ?

      For the purpose of merchant Incentive Scheme, a Merchant would be defined as:

     Any entity which is engaged in trading of goods and services and is receiving the payment through BHIM Aadhaar pay App of the Banks using Aadhaar
     Authentication of Customer.

8. What Devices should be used by Merchant to become eligible for Incentive Scheme ?

      Aadhaar Authentication should be done by merchant using any Registered device viz, Micro-ATM/POS, mPOS, Kiosk/Tablet/Mobile Handset.

9. What is the criteria for availing this Scheme?

      BHIM Aadhaar pay enabled Merchant should perform transaction using BHIM Aadhaar App of any banks live on BHIM Aadhaar Pay, for sale of Goods and
      Services and payment should be done by customer using  his Aadhaar Number and Biometric Authentication.

10. What is the Maximum Incentive that can be received as a Merchant on BHIM Aadhaar Pay App ?

       The Maximum Incentive which can be earned by the Merchant in a month is Rs.2000

11. When will the Merchant receive the incentive ?

       BHIM Aadhaar Pay enabled merchant will receive the Incentive between One to Seven Days after the date of transactions (Kindly check with your respective
       banks for further details).

12. What is the effective start date of BHIM Aadhaar Pay Merchant Incentive Scheme ?

       BHIM Aadhaar Pay Merchant Incentive Scheme was effective from 1st April 2017.

13. What will be the effective end date of BHIM Aadhaar Pay Merchant Incentive Scheme ?

       Effective end date of BHIM Aadhaar Pay Merchant Incentive Scheme is 31st March 2019.


BHIM Aadhaar Scheme