Guidelines for use of UPI BHIM in payments of Government receipts by customers

Guidelines for use of UPI BHIM in payments of Government receipts by customers

No.S-11012/3(1)/DP/WC/2017/GBA/5673-5828
Government of India
Ministry of Finance, Department of Expenditure
Controller General of Accounts
Mahalekha Niyantrak Bhawan,
E-Block, GPO Complex, INA, New Delhi-110023

Dated: 30.11.2017

OFFICE MEMORANDUM

Subject:- Reiteration of Guidelines for use of Unified Payment Interface (UPI) and Bharat Interface for Money (BHIM) for collection of Government Revenue.

Reference is invited to this office OM No.8-11012/3(1)/DP/WC/2017/GBA/5122-5275 dated 10/8/2017 (copy enclosed), wherein, guidelines for use of BHIM/UPI was issued for the collection of government revenue and all the Ministries/Departments were requested to make use of BHIM/UPI facility for payment of Government revenue by the public.

It is. reiterated that all Ministries/Departments and organizations under them should have BHIM as the preferred payment option for online collection of Government Revenue.

(Vijay Kumar Singh)
Jt. Controller General of Accounts (GBA)
*

O.M. No. S-11012/3(1)/DPNVC/2017/GBA/ 5122-5275
Government of India
Ministry of Finance, Department of Expenditure
Controller General of Accounts
Mahalekha Niyantrak Bhawan
E-Block, GPO Complex, INA, New Delhi-110023

Dated: 10/08/2017

Office Memorandum

Subject: Guidelines for use of Unified Payment Interface (UPI) and Bharat Interface for Money (BHIM) for Collection of Government revenue.

Controller General of Accounts has approved the use of Unified Payment Interface (UPI) and Bharat Interface for Money (BHIM) for collection of Government revenue.

Guidelines for the use of UPI/BHIM for collection of Government receipts by the Ministries/Departments of the Government of India are enclosed herewith for necessary action.

(Tripti P. Ghosh)
Jt. Controller General of Accounts

Encl. as above.
__________________________________________________________________________________________________________________________________________________________________

Guidelines for use of UPI/BHIM in payments of Government receipts by customers

References have been received from some of the Ministries for use of UPI/BHIM in payments of Government receipts. The same was also recommended by the Watal Committee on Digital Payments. It has been decided to allow UPI/BHIM in payments of government receipts by customers.

Broad guidelines for use of UPI/BHIM for payments of Government receipts are as follows.
1. Definitions
1.1 UPI: Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer" collect request which can be scheduled and paid as per requirement and convenience.

1.2 BHIM: BHIM (Bharat Interface for Money) is a Mobile App developed by National Payments Corporation of India (NPCI), based on the Unified Payment Interface (UPI). BHIM is inter-operable with other Unified Payment Interface (UPI) applications and bank accounts.

1.3 Virtual Payment Address (VPA): Virtual Payment Address (VPA) is an address which identifies a person's bank a/c. For instance, the VPA Address for BHIM customers is in the format xyz@upi. One can just share his/her VPA with anyone to receive payments (no need for bank account number/ IFSC code, etc.). One can also send money to anyone by using their VPA.

1.4 Accredited Bank: Accredited Bank is the Bank authorized by the Controller General of Accounts to transact receipt and/or payment business of a Ministry/Department within the Reporting and remittance framework defined by CGA and RBI, for which Agency Commission is paid by the Reserve Bank of India.

1.5 Acquiring Bank: Bank engaged by Ministry/Department for processing the payments received through UPI application after integration with the Department’s Portal/CPG (in case of Railways). They would act as intermediary for collection of receipts.

1.6 Issuer's Bank: Bank where customer maintains his/her account.

1.7 Payment Service Provider (PSP): The service provider whose UPI application is being used by the customer.

1.8 Government Portal System (GPS): Government Portal System is a Web Site/Page of Government's Ministry/Department offering single window access to information and services being provided by the concerned Ministry/Department including accepting payments for services offered e.g. Non-Tax Revenue Portal (NTRP) of Controller General of Accounts or Centralised Reservation Information System (CRIS) of Ministry of Railways.

1.9 Application Programming Interface (API): An application-programming interface (API) is a set of programming instructions and standards for accessing a Web-based software application. In general terms, it is a set of clearly defined methods of communication between various software components. API is required for communication between banking software and Government Portal system.
2. General Process
2.1. The Ministries/ Department will make necessary arrangement for appointment of the Acquirer Bank for UPI. Only banks authorized by RBI for handling Government transactions under Section 45(1) of RBI Act, 1934 may be selected.

2.2. The engagement of accredited bank and any other intermediary by the Ministry/Department as Acquirer for UPI/BHIM shall be governed by ‘The Payment and Settlement Systems Act, 2007 (NO. 51 of 2007 dated 20-12-2007), extant orders of RBI and Procedural Guidelines for Unified Payments Interface of NPCI, as amended from time to time.

2.3. The intermediaries will be responsible for collection of money, its payment to the accredited bank within the period as given in Para 4 Clause

4.3. They will also be responsible for necessary M15 as per the requirement of accredited bank for preparation of scrolls by accredited bank.

2.4. The Ministries/ Departments shall create facilities for the public for payment of money through UPI/BHIM as selected by the Ministry as one of the payment mechanism for both online and offline modes. [For online/offline transactions, the electronic/manual challan form, to be filled up electronically/manually with such details of the transaction which are necessary for reporting, reconciliation and accounting purpose, will be facilitated online/offline at the payment gateway/counter respectively by the Ministries/Depa rtments for their customers].

2.5. The classification of receipts shall be available on GPS and suitably integrated with the Acquiring Bank. GPS shall enable an MIS based on the initiation of transaction on request received. The second stage of receipt of fund in acquiring bank may also be tracked as a receivable. The final stage for credit of the receipt at the point of report of funds by accredited bank to Ministries/Department may be clearly provided for. MIS as necessary across the three stages may be provided for each type of receipt to each stakeholder by GPS.

2.6. A Tripartite Agreement may be signed between the Ministry Department, the Accredited Bank and the Acquirer Bank (where other than Accredited Bank)for coordination of Operations, including collection mechanism, reconciliation of money collected through UPI/BHIM and the necessary reporting of government receipts between the Ministry/Department, Acquirer Bank and Accredited Bank. Specific formats may be devised with the approval of the Accounting authority for seamless remittance and reconciliation. Time stamping by each system may be required.

2.7. The formats for reporting of such transactions by the Acquirer Bank to the Accredited Bank shall be stipulated by the Accounting authority in consultation with Accredited Bank. The pre-defined format of RBI used by Accredited Banks for reporting of Government transactions to RBI may be incorporated suitably. End of the day reports pushed by the Acquiring bank to accredited bank should be posted on the Government Portal System simultaneously.

2.8. There should be complete integration between UPI Acquirer software and the Department's GPS (Centralised Reservation Information System (CRIS) of Railways) which interacts with the acquiring bank for processing the payments and refunds for railway tickets through Application Programming Interface (API). The information flow should be seamless and without manual intervention between all stakeholders, from the point of debit of funds from customer’s account as informed through mobile and credit to Government Account.

2.9. In case payments received through counters, the Quick Response (QR) code may be used at payment counters for quick service wherever possible.

The QR code may be dynamic or static. The QR code would capture necessary payment, service and accounting information.
3. Merchant Discount Rate (MDR)
3.1. The MDR as communicated by Reserve Bank of India from time to time would be applicable to the transactions made through UPI/BHIM.

3.2. MDR charges, if applicable, on UPI transactions shall not be netted from receipts of Government by the Acquirer Bank or Accredited Bank. The Acquirer Bank should remit the full amount of receipt to the Accredited Bank without deduction of MDR charges if any. The Government should get the full amount for a service for which payment has been made by the Customer.
4. Settlement of Funds
4.1. The Settlement of funds and Reports/MIS between NPCI, Acquirer Bank and Accredited Bank should be as per the protocol decided by RBI/NPCI for UPI Transactions.

4.2. The Acquiring Bank should undertake to remit all funds received under UPI transactions to government account maintained by the accredited bank (if acquiring bank and accredited bank are different).

4.3. The Acquirer Bank should settle the funds with Accredited Bank in T+1 day, T being the date the account of the customer is debited (NPCI should settle the funds the same day with Acquirer Bank) along with agreed reports, MIS and Reconciliation statement.

4.4. The accredited bank will be responsible for collating, scrolling and reporting transaction-wise all aforesaid payments to Pay and Accounts Office and remittance of the same into the Government Account in the RBI within the time limit i.e. T+1 working day as prescribed by the RBI in consultation with Controller General of Accounts vide letter No. RBI/2004-15/416(DGBA.GAD.NO.H-3203/42.01.011/2014-15) dated 21-01-2015 where T is the date of receipt of funds in accredited bank.

4.5. Accredited Bank should get the funds along with individual transaction details from the Acquiring Bank for putting through the transaction in the Ministry/Department's account individually.
5. Refund process
5.1. Refunds for payments made through UPI should be subjected to refund policy of department, if any, like the refund policy in case of Railway ticketing.

5.2. Refunds advised by the software of the department would be processed as per the agreed protocols between the Department and the UPI Acquirer Bank which should be prominently displayed and informed to the customer before a transaction is started.

5.3. The virtual payment address of the customer used at the time of transactions should be used to send refund without any manual intervention.

5.4. There should be system validation in the GPS that no refund is processed if the service for which payment has been made has been availed by the customer.

5.5. Refund amount, if applicable, would be system generated and in no case the refund amount should exceed the original paid amount for the service (in case of Railway Tickets etc.).
6. Other Items
6.1. The accredited bank will follow the instructions issued by the RBI for handling Government transaction through e-payment and provide challans, scrolls and DMS of such transactions in the electronic form to the Pay and Accounts Office/Accounts Office.

6.2. The accredited bank will generate a unique challan number linked to the branch code with clear identifier for the mode of payment that is provided on the receipt given to the customer.

6.3. Civil Ministries/Departments, who do not have any Receipt Portal of their own, are also required to have the necessary integration with Non Tax Revenue Portal of Controller General of Accounts, M/o Finance for collection of receipts through UPI/BHIM.

6.4. All Ministries/Departments may keep the above guideline in view while introducing the UPI/BHIM facility for payment of Government receipts by the public. The Ministry/Department desirous to introduce such facility for their receipts may do so in consultation with their Pr.CCA/CCA/CA or concerned head of accounting organization in case of Non-Civil Ministries/Departments.
**
guidelines-for-use-upi-bhim-for-central-govt-offices

COMMENTS

Defence$type=complex$count=4$ico=1

7th CPC$type=list$m=0$cate=0$sn=0$rm=0$c=5

Name

'Aaykar Setu' mobile app,1,5th cpc,5,6th cpc,8,7th CPC,399,7th CPC Arrears,4,7th CPC Arrers,8,7th CPC Hindi News,12,7th CPC News,69,7th Pay Commission,214,Aadhaar,23,acpin,1,ad-hoc bonus,4,ad-hoc staff,1,additional hra,1,admit card,1,advance salary,1,AGEY,1,aicpin,9,aigdsu news,5,AIIMS,2,ailtc railways,7,aipr,3,Air Force,13,Air India,5,air india ltc 80 fare,4,Air Travel,6,Aircel,1,airf,15,Airlines,1,Airtel,4,alcohol policy,1,all india,5,Allowances,125,Amazon Ofers,1,Andhra Pradesh,1,anomaly committee,1,aoc,1,app download,1,Apple iPhone,3,Assam,4,Assistant Jobs,1,Bank,29,bank da,3,bank holidays,1,Bank Policies,19,banknotes,1,Bihar,9,Bihar 7th CPC,3,bihar govt employee,1,Bollywood,4,bonous,1,bonus,6,breakdown allowance,2,Breaking News,139,BRICS,1,Bsnl,11,budget,4,Business,84,ca exam pattern,1,Cabinet News,41,cadre restructuring,2,cadre review,11,CAG Report,3,CAPO News,4,Career,56,casual labour,3,casual leave,2,cat Judgement,2,cat order,3,CBDT,12,CBEC,4,CBSE,6,ccs master circular,1,ccs pension rules,2,ccs rules,4,cda rules,2,cgda,18,cgegis table,5,CGHS,86,cghs agartala,1,cghs ahmedabad,1,cghs allahabad,1,cghs bengaluru,2,cghs bhopal,1,cghs bhubaneswar,1,cghs chandigarh,1,Cghs Chennai,1,cghs dehradun,1,cghs delhi,3,cghs guwahati,1,cghs hyderabad,1,cghs indore,1,cghs jabalpur,1,cghs jaipur,1,cghs kanpur,2,cghs karnataka,1,cghs kerala,1,cghs kolkata,1,cghs lucknow,1,cghs meerut,2,cghs mumbai,1,cghs nagpur,1,cghs patna,2,cghs pune,1,cghs ranchi,2,cghs shillong,1,cghs trivandrum,2,cghs uttrakhand,1,chandigarh,1,chhattisgarh,1,child care leave,2,children education allowance,7,China,1,cisf,1,come & play scheme,1,compassionate ground appointment,2,Compensation Policy,3,composite allowance,1,condiment allowance,3,Condiment expenditure,2,consatant attendance allowance,1,contract labour,7,Conveyance Allowance,3,cpao order,21,cpf,1,cpgrams,3,cpiiw,3,cpse,68,cpse employees,7,cpse guidelines,29,cpse pay revision,2,cpse pension,5,CPSEs Pay,20,Cricket,4,cris,3,CRPF,1,CS(MA) Rules,5,csd,2,csd price list,1,Current Affairs,308,cvc circular,2,d el ed,1,daily officiating allowance,3,dearness allowances,48,dearness relief,18,Defence,220,Delhi,2,delhi high court,1,dept of post order,40,deputation,3,deputation allowance,4,desw,2,desw order,5,disability pension,5,Doctor Jobs,12,doe order,24,doppw order,7,DoPT Order,119,dot order,10,Download MedWatch App,1,Download MyMSME App,1,Download MyMSME App Celebrating Yoga,1,Download NEW ITR FORM,2,Download Swachh Bharat App,1,dpe om,33,dress allowance,5,dress code,1,EC,1,echs,21,ecil,1,EDUACTION,75,Education,7,educational qualification,1,Egineer Jobs,1,Election Commission,1,Employment,6,Entertainment,2,EPFO,23,ESIC,4,EVM,1,Ex-Servicemen,6,exam,2,exempt from tax,1,expected da,10,extra work allowance,1,Extraordinary Pension,1,Facebook,8,fact jobs,1,Family Pension,94,FAQ,2,Featured,79,festivals,1,FIFA,1,File ITR,22,Fin Min Orders,62,Finance,8,Fixed Medical Allowance,7,Flipkart,2,Football,3,FREQUENTLY ASKED QUESTIONS ON GST,1,Games,12,Ganes,2,gazette notification,12,gdce instructions,3,gds arrears,9,gds da,11,gds employees news,17,gds pay,15,gds report,17,gfr,1,GOI News,570,Goods and Services Tax,50,Goods and Services Tex,1,Google,10,government of karnataka,1,Govt Jobs,10,govt of assam,2,govt of assam pensioner,1,govt of assam staff,1,govt of chhattisgarh,1,Govt Project,324,Govt Staff News,1107,Govt Yojna,255,gpf interest rate,1,GPF Rules,12,GPRA,4,gratuity,6,group A,1,Group D,1,Gst,60,GST Rates Finder app,1,Hardship Allowance,1,Haryana Govt Employees,2,Haryana Govt order,2,hba rules,8,Health,25,High Court Judgement,2,high court order,2,hill area allowance,1,holiday list,9,Hollywood,2,honorarium,1,hpca,1,hr allowances,1,hra,2,HRA Allowances,40,iba,5,iba dr,1,ibps,2,icsil,1,ida cpse,15,income tax,20,independence day,1,India,3,India Post,12,Indian Airforce,49,Indian Army,68,Indian Navy,63,indian railway,10,IOCL Jobs,1,IRCTC,8,irtsa,2,Island Special Duty Allowance,1,ISRO,1,iti ltd,1,ITR,30,j&k govt employees,3,j&k govt pensioners,1,Japan,1,Jharkhand,3,Jio News,8,jkssb,1,jnv,7,Jobs,54,Jobs News,93,karnataka,1,kerala,4,Kerala Govt Employees,3,Kerala Govt Pensioners,2,Kolkata,1,KVS,40,kvs pension,2,labour Bureau,7,larsgess scheme,3,Latest,988,ldce,3,leave rules,1,lic pay,2,life time arrear,1,Lok Sabha,136,LTC,32,ltc 80 air fare,6,Ltd Company Jobs,2,mAadhaar App,2,macp,31,Make in India,2,Market,1,Maruti Suzuki Dzire,1,maternity leave,6,medical card,1,Medical claims,4,Meghalaya Govt Employees,1,MERIT app,1,mes,1,MGNREGA,2,mha,1,mhfw order,14,mhrd order,1,Microsoft,1,Microsoft News,1,minimum wages,7,mod order,17,mohfw order,1,monetary allowance,3,MP,1,msp,2,mtnl,2,NABARD,1,Namami Gange,5,National,705,ncjcm,20,nda,2,ndmc,1,New Delhi,3,new TRCA matrix,5,nfir,59,NGT,1,night duty allowance,2,northern railway,1,Notification,1,npci,1,nps,21,nursing allowance,2,nursing perssonsel,2,NVS,9,odisha,3,odisha govt pensioner,1,operation theater allowance,1,ordnance factory,1,orop,16,overtime allowance,6,PAN,6,pass rules,3,Passports,1,patna high court judgement,1,pay fixation,18,pcda circular,39,pco allowance,2,pdca circular,8,Pension,198,Pension Adalat,1,Pension Adalat Application Form,2,Pension faq,20,Pension revision,8,Pensioner,155,Pensioner associations,2,Pensioner Portal,12,pfrda,3,pgportal,3,pl bonous,12,PM Modi,27,PMAY,5,PMUY,1,PMVVY,1,Policies,382,Politics,35,post graduate allowance,1,post office,2,prcp in railway,4,President,2,Project Allowance,2,Promotions,19,Promotions policy,18,provisional pension,2,puducherry,1,Railway,344,railway servants pass rules,1,rajasthan govt employees,2,rajasthan govt pensioners,1,rajbhasha,1,Rajya Sabha,38,Rashtriya Swasthya Bima Yojana,1,ration money allowance,2,RBI,11,Real Madrid,1,Recruitment,6,recruitment rules,9,relhs,1,remote area allowance,1,remuneration,1,RERA Act,1,reservation criteria,10,rest rules,1,Result,5,retirement age,1,revised pay,24,revised pay matrix table,5,revised pension,3,revised vda,7,rilways,1,risk and hardship allowance,7,running staff,2,RUSA,1,s,1,SAARTHI App,1,SBI,10,SBI Rules,6,scholarship,1,Science,17,scova meeting,1,SEVA App,1,Seventh Central Pay Commission,149,SKILL INDIA Mission,1,small saving scheme,2,special allowance,3,Special LC Gate allowance,1,Sports,16,ssc jos,1,status of PPOs,2,storekeeping staff,1,strike,2,study allowance,1,study leave,1,Sukanya Samriddhi Account,2,Supreme Court,22,Supreme Court Judgement,11,Survey,1,syllabus,1,syndicate bank,1,Tarang Sanchar,1,Tax,22,tds deduction,1,teacher jobs,2,Tech,34,Telangana,1,telangana govt employees,1,Telcome,2,Telcome News,8,timely disposal of applications,1,TN Govt Employees,3,TN Govt Pensioners,2,tnusrb recruitment,1,Trade,1,trade unions,1,TRAI,1,training allowance,2,Transfer policy,25,transport allowance,4,Travelling Allowance,22,Trending Now,131,tripura govt employees,1,tripura govt pensioner,1,Trump,1,uan,1,Uber,1,ugc,1,uidai,1,UJALA Scheme,1,UP CM Yogi Adityanath,2,upgradation of pay,2,uppsc,1,UPSC Jobs,2,USA,2,Uttar Pradesh,3,vrs,2,Weather,2,West Bengal,1,Whatsapp,2,Windows 10 OS,1,World,62,World Press Freedom Day,1,You Tube,2,
ltr
item
Param News: Central Government Employee News|Latest DOPT OM: Guidelines for use of UPI BHIM in payments of Government receipts by customers
Guidelines for use of UPI BHIM in payments of Government receipts by customers
UPI/BHIM in payments of government receipts by customers, all Ministries/Departments and organizations under them should have BHIM as the preferred payment option for online collection of Government Revenue.
https://2.bp.blogspot.com/-5d4IWgM2Hpc/Wi2ErKYXObI/AAAAAAAAHy4/AHsCv90D4cItr5kB-q8LxUgyOvzaQsiQACLcBGAs/s1600/guidelines-for-use-upi-bhim-for-central-govt-offices.png
https://2.bp.blogspot.com/-5d4IWgM2Hpc/Wi2ErKYXObI/AAAAAAAAHy4/AHsCv90D4cItr5kB-q8LxUgyOvzaQsiQACLcBGAs/s72-c/guidelines-for-use-upi-bhim-for-central-govt-offices.png
Param News: Central Government Employee News|Latest DOPT OM
https://www.paramnews.com/2017/12/guidelines-for-use-of-upi-bhim-in.html
https://www.paramnews.com/
http://www.paramnews.com/
http://www.paramnews.com/2017/12/guidelines-for-use-of-upi-bhim-in.html
true
2671314941044517342
UTF-8
Loaded All Posts Not found any posts VIEW ALL Readmore Reply Cancel reply Delete By Home PAGES POSTS View All RECOMMENDED FOR YOU LABEL ARCHIVE SEARCH ALL POSTS Not found any post match with your request Back Home Sunday Monday Tuesday Wednesday Thursday Friday Saturday Sun Mon Tue Wed Thu Fri Sat January February March April May June July August September October November December Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec just now 1 minute ago $$1$$ minutes ago 1 hour ago $$1$$ hours ago Yesterday $$1$$ days ago $$1$$ weeks ago more than 5 weeks ago Followers Follow THIS PREMIUM CONTENT IS LOCKED STEP 1: Share. STEP 2: Click the link you shared to unlock Copy All Code Select All Code All codes were copied to your clipboard Can not copy the codes / texts, please press [CTRL]+[C] (or CMD+C with Mac) to copy