Category Archives: Payment Gateway of India

Bharat Interface for Money

Here are ten things you need to know about the BHIM app:
1. What is BHIM: Bharat Interface for Money (BHIM) is an initiative to enable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, and bank accounts. BHIM is developed by the National Payment Corporation of India (NPCI).
2. How it works: One has to register a bank account with BHIM, and set a UPI PIN for the bank account. Your mobile number is your payment address (PA), and you can simply start transacting. If your mobile number is already registered with UPI, you are good to go.
3. How to send or receive money: One can send money to or receive money through a mobile number or payment address. Money can also be sent to non UPI supported banks using IFSC and MMID. You can also collect money by sending a request and reverse payments if required. One can check your bank balance and transactions details on the go. You can create a custom payment address in addition to your phone number. You can scan a QR code for faster entry of payment addresses. Merchants can easily print their QR Code for display.

4. Transaction Limits: BHIM accepts a maximum of Rs 10,000 per transaction and Rs 20,000 limit within 24 hours. It supports Hindi and English currently.
5. Compatible OS: Bharat Interface for Money app is currently available on Android (Version 8 and above) and iOS mobiles (Version 5 and above).
6. Essentials for BHIM: To start using Bharat Interface for Money one needs to have a Smartphone, Internet access, an Indian bank account that supports UPI payments and a mobile number linked to the bank account.
7. How to setup a BHIM PIN: One can set your UPI PIN by going to Main Menu -Bank Set UPI-PIN for the selected account.
8. Bank support: Currently, Bharat Interface for Money supports linking of one bank only. At the time of account set-up, one can link a preferred bank account as the default account. In case you want to link another bank account, you can go to Main menu, choose Bank Accounts and select your default account. Any money that is transferred to you using your mobile number or payment address will be credited into your default account.
9. The best #UPI app – simple and does one thing well – send & receive money. Great work!
10. Charges for BHIM: There are no charges for making transaction through Bharat Interface for Money. However banks might levy a nominal charge as UPI or IMPS transfer fee.
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Go Air 11th anniversary sale!

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IRCTC Makes Aadhaar Card Compulsory For Booking Train Tickets

Linking of Aadhaar cards with train tickets would be mandatory effective December, 2016, which means that passengers who don’t have Aadhaar Card, won’t be able to issue train tickets. This major collaboration between Aadhaar and train tickets would be made compulsory for both reserved and unreserved categories; besides holding true for online as well as counter tickets.

Already more than 96% of Indians have an Aadhaar Card; and the remaining few would be now forced to apply for one. The linking of Aadhaar database with IRCTC’s ticketing system is already on, and the process is expected to be over by December.

Advantage: Aadhaar in Train Bookings

Indian Railways

There are innumerable advantages of linking Aadhaar with train bookings, as there would be a centralized, well documented and live database of passengers which can be immensely useful for various purposes. However, the intention of Indian Railways to link Aadhaar immediately has been mainly inspired from three factors:

a) Giving out concessions would be easier and fair now. As Aadhaar card would be directly linked with the ticket, the railway authorities would be able to easily check whether the concession is eligible or not. Ticket collectors would be carrying mobile handheld device, which will instantly verify the claims of the passenger. As shared earlier, Railways provide concessions across more than 50 categories, and a substantial portion of them is misused.

b) The use Aadhaar card would stop unauthorized agents and touts from booking tickets in fake names, and then selling them at higher prices. IRCTC CMD A K Manocha said, “We have started the process to issue Aadhar based ticketing and likely to be rolled out by December this year . People will now have to provide Aadhaar number for registering with IRCTC. This will check fraudulent booking by touts and being transparency in the ticketing,”

c) Every train passenger would be able to get insurance now. As of now, only online booking of train tickets allow passengers to opt for travel insurance, which would be now offered to counter ticket holders as well; and most importantly, unreserved passengers as well.

Since Indian Railways introduced travel insurance, around 27 lakh passengers have availed insurance, costing around 10 paisa to 90 paisa per trip. With Aadhaar, all passengers would be able to use this privilege.

Manocha further said, “About 27 lakh passengers have availed the travel insurance since the launch of insurance on September 1. The reason we have not covered unreserved category yet is that we don’t have any database of people travelling in unreserved coaches but with Aadhar that is possible. It will also bring the insurance premium from 92 paise now to somewhere around 10-50p per travel,”

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Also read PGI convert real cash into digital for paytm

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Pre-summer sale fare starts @ INR 599/-

The three day sale launched today will be open till midnight, 25th February 2016. The travel period covered in this sale is 1st March 2016 to 13th April 2016  Book now

 Spice-jet-pre-summer-sale login


Railways has simplified e-ticketing rules to introduce online changes of boarding points.

Passengers will now be able to log in to the Indian Railway Catering and Tourism Corporation (IRCTC) website at and revise the details regarding changes in boarding stations.
Suppose a passenger books a ticket from Chennai to Madurai and decides instead to board the train at Chengalpet or Villupuram two days before the journey date, he can do so at the click of a mouse.
The procedure to change the boarding point was cumbersome till now. Passengers, both e-ticket and those who purchase tickets at the railways’ booking centres, had to visit the nearest reservation office and submit a printout of the ticket along with photo identity proof and the requisition slip asking that officials make the change.
Ticket checkers would till now cancel a ticket booking if he found a seat unoccupied during his rounds and allot it to a passenger on the waiting list. The passenger’s booking, consequently, would be invalid.

With the reform in the e-ticketing rules and the new facility on the IRCTC website, people who purchase e-tickets will no longer have to follow the longwinded procedure. They can make the changes required by clicking on the icon ‘change boarding point’ in the ‘booked ticket history’ section of the website.
Though the link on the IRCTC website is operational, the railways is yet to make the facility available. Officials indicated that it will be fully functional by February 15. Sources said that the facility will be available up to 24 hours prior to the scheduled departure of a train.
The railways, however, will not provide any refund to the passenger despite the reduction in the journey’s distance. Provide Indian Railways e-Tickets to your customers
Real-time access, Hassle free Bookings & Cancellations Become an IRCTC authorized E-Ticketing agent 

The revised rules for booking ticket through IRCTC

The revised rules for booking ticket through IRCTC are as follows:

1. Individuals are allowed only two tickets per user-ID in a day from 8 am to 10 am.

2. Individuals are allowed only two tickets per user-ID in a day for Tatkal booking from 10:00 am to 12:00 noon.

3. A maximum of 6 tickets can be booked online in a month by an individual.

4. Quick Book Option is disabled from 08 am to 12 noon

5. All types of ticketing agents (YTSK, RTSA, IRCTC agents etc.) have been debarred from booking tickets during the first thirty minutes of opening of booking i.e. from 08 am to 08:30 am for general bookings, and from 10 am to 10:30 am and 11:00 am to 11:30 am for Tatkal booking in AC and non-AC classes respectively.

6. There is only one booking in one user login session except for return/onward journey between 08 am to 12 noon.

Provide Indian Railways e-Tickets to your customers Real-time access, Hassle free Bookings & Cancellations Become an IRCTC authorized E-Ticketing agent

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