DEPARTMENT OF INFORMATION TECHNOLOGY UCO BANK …

DEPARTMENT OF INFORMATION TECHNOLOGY

UCO BANK HEAD OFFICE

KOLKATA

UCO Bank HO-DIT July 2018 Page 2

SL NO PARTICULARS PAGE NO

1 INTRODUCTION 3

2 BHIM UCO UPI 5

3 UCO M BANKING 7

4 UCO E BANKING 9

5 UCO PAY + WALLET 10

6 UCO PAY + INSTANT ACCOUNT OPENING 11

7 UCO M PASSBOOK 12

8 DEBIT CARDS LIMITS 13

9 PREPAID CARDS 14

10 MICRO ATM- UCO SARATHI 15

11 UCO SECURE 16

12 BHIM AADHAAR PAY 18

13 BHARAT QR CODE 22

14 UCO POS 24

15 UCO SMART PAY 27

16 BHARAT BILL PAY 28

17 OTHER ONLINE SERVICES 29


DIGITAL BANKING: A New Era of Fast Convenient and Secured Banking

Digital banking is the move to online banking where banking services are delivered over the

internet. A digital bank represents a virtual process that includes online banking and beyond.

As an end-to-end platform, digital banking must encompass the front end that consumers see,

the back end that bankers see through their servers and admin control panels and

the middleware that connects these nodes.

The reason digital banking is more than just a mobile or online platform is that it includes

middleware solutions.

Middleware is software that bridges operating systems or databases with other applications.

INDIA ON THE WAY TO DIGITIZATION

India represents one of the largest market opportunities for digital payments.

With a population of 1.25 billion, India accounts for approximately 18% of the global population.

Less than 50% of India‟s internet users will adopt digital payments by 2020, with the top 100 million

users driving 70% of the digital payments Gross Merchandise value (GMV).

Ease of doing payment is one of the key factors of users to move towards digital payment.

90% of the UCO Bank customers are untouched in Digital banking.

It provides us immense opportunity to reach such customers for being a digitally recognized Bank.

BENEFITS OF DIGITAL BANKING

Business efficiency - Not only do digital platforms improve interaction with customers and deliver

their needs more quickly; they also provide methods for making internal functions more efficient.

Cost savings - Traditional bank processing is costly, slow and prone to human error. Digital

platforms reduce costs through the synergies of more qualitative data and faster response to

market changes.

Increased accuracy - Banking that rely mainly on paper processing can have an error rate of up

to 40%, which requires reworking. Simplifying the verification process, it's easier to implement IT

solutions with business software, leading to more accurate accounting which is crucial for banks

to comply with government regulations.

Improved competitiveness - Digital solutions help manage banking/marketing lists, allowing banks

to reach broader markets and build closer relationships with tech savvy consumers.

Greater agility - The use of automation can speed up both external and internal processes, both

of which can improve customer satisfaction.

INTRODUCTION TO DIGITAL BANKING



ABOUT:-

Manage all your Bank Accounts under one single App: “BHIM UCO UPI”!

Unified Payments Interface (UPI) is a new payment system on NPCI platform

that allows transfer/collect of money across Banks using single app.

UPI is the extension of the current IMPS. Unlike existing payments systems, in UPI

you can Payment (Send) and Collection (Ask) money without sharing your

Banking credentials like Account number, IFSC Code, Mobile Number etc.

instead using only Virtual Payments Address (VPA).

REGISTRATION

PROCESS:-

Download & install the BHIM UCO UPI Application from Google Play Store.

Open the App and verify the mobile number through auto SMS. Select the

registered mobile number/SIM>“SEND SMS”.

After successful validation, check the mobile number and proceed to

continue.

Enter User details, set log in pin and Proceed. Registration will be done.

Login after entering the log in PIN. “Click on Manage Account” and select

Bank.

Your name and Account Number will be displayed. Continue and confirm/set

the Virtual address and Save.

You can add your other bank accounts registered with the same mobile

number in “MANAGE ACCOUNTS”>”ADD ACCOUNT”.

FEATURES:-

Send and Receive Money.

Send collect request.

Manage your Bank accounts from all Banks, under a single hood.

Balance enquiry.

24 x 7 Instant Service.

Create your own Virtual Payment Address (VPA) and enjoy fund transfer or

demand funds using VPA only, without any other account details.

Individual(s) /Merchant(s) can Generate/Scan QR codes and use them to

receive/send payments.

Secured with 2-Factor Authentication.

Users get a 12 digit reference number for each transaction (NPCI RRN). This

reference number (NPCI RRN) can be used to track the status of transaction in

case of failure.

Raise grievance in APP itself.

TRANSACTION

LIMIT:-

Per Day / Per Transaction limit is Rs1,00,000/-. Per day is counted in hourly cycle

of 24 hrs.

GRIEVANCE

REDRESSAL:-

022-66547329/7326/7325/7322,

033-44559084/9459

[email protected]

(Reconciliation)

[email protected]

(Technical and operational)

BHIM UCO UPI

mailto:[email protected]




ABOUT :-

UCO M banking offers unlimited potential for growth and is destined to be the

preferred mode of transacting banking & other business. It is a feature oriented

app that will offer you a whole lot of Banking services and payments available

in your pocket.

Now the retail Banking is in your Phone.

“UCO Mbanking” a robust and attractive app is for all your banking need:-

fund transfer, Bill Payment, Ticketing, FD/RD opening, SI creation etc.

REGISTRATION

PROCESS:-

Download & install the UCO M banking application from Google Play store/

Apple store.

Registration can be done using the option New Registration by providing your

A/c details along with one of the last five transactions.

Select the customer and provide the OTP sent to your registered mobile

number.

Debit card validation is also required to complete the registration.

Set MPIN & TPIN and login to M banking App.

Registration can also be done at branch level through Finacle(MBREG)

Registration for M banking is also available in our website www.ucobank.com

and ATM > Other services > Mobile banking registration.

FEATURES:-

Easy access to all your linked account: View, Balance Enquiry, Statement.

Fund Transfer: Intra Bank, Inter Bank Transfer- NEFT, RTGS, IMPS, MMID &

AADHAAR-Based Transaction, Bharat QR code Based Transaction.

Ticket Booking: Air/Bus/Hotel booking.

Bill Payment & Recharge: Manage & auto pay your utility bills

Other Services: Stop Cheque immediately, Cheque status, Card Block, ATM &

Branch locator.

TRANSACTION

LIMIT:-

Facility

Limit per day for

quick payment

Limit per day for

beneficiary payment

NEFT/RTGS/IMPS/Bill/Other Rs-50000/- Rs-200000/-

For minors (wherever

applicable) Smart kids

Rs.5000/- Rs.5000/-

For self-linked a/c Transfer Rs.500000/-

GRIEVANCE

REDRESSAL

033-44559459/9084

022-66547329/7326/7325/7322,

IMPS Txn related complaints

may be enquired and lodged

through DMS.

[email protected]

(Operational and Technical)

[email protected]

(Reconciliation)

UCO M-BANKING

http://www.ucobank.com/





ABOUT :-

With our constant endeavor to provide our esteemed customers instant and

non-branch banking, E-Banking plays a vital role with trusted, established

platform over the years.

It is an extension of Mobile Banking, having wider fund transfer facility, tax

payment option.

E-Banking is for corporate customers also.

REGISTRATION

PROCESS:-

Individual/Retail customers can register/reset passwords with a click of a

button, without the need to visit any of our branches.

Please visit our website, “www.ucobank.com”.

Click on E banking > New Registration / Password Reset.

Provide the Account Number and One of last 5 Transaction amount & type.

View and click on “I agree with Terms & Conditions” checkbox and Then

submit.

You will be guided through the steps to Register and Login to our E banking

services.

Please ensure that you have made at least one transaction through your

debit card before registering for E banking.

For corporate users, customers have to visit or request the branch to place a

request through IRPS, by filling up proper Application form, signed on the seal

by the authorized signatories.

FACILITIES:-

Basic information of all accounts (SB, TD, PPF, and Loan).

Statement & Transaction history.

Fund Transfer- Self linked a/c, Intra Bank (Deposit, loan, PPF).

Standing instruction registration

Opening of SB/RD/FD/RDUSS/SGB/APY accounts.

Bill payment, Auto bill payment

Tax payments, View of Form 26AS, E-filing of ITR.

e- ASBA(apply online for and IPO).

Corporate users can upload salary of their staff in bulk.

USP:-

Fund Transfer facility for Cash Credit Account holders also.

Bulk NEFT facility for Corporate customer (Maker / Checker)

TRANSACTION

LIMIT:-

*IMPS Limit is

fixed

irrespective of

the channel

being used

Service

Type

NEFT/RTGS *IMPS OWN A/C 3rd PARTY BILL

PAYMENT

Per

Txn

Per

Day

Per

Txn

Per

Day

Per

Txn

Per

Day

Per

Txn

Per

Day

Per

Txn

Per

Day

Retail

Users

5

Lakh

5

Lakh

0.5

Lakh

2

Lakh

5

Lakh

5

Lakh

5

Lakh

5

Lakh

2

Lakh

2

Lakh

Corporate

Users

25

Lakh

25

Lakh

0.5

Lakh

2

Lakh

5

Lakh

25

Lakh

5

Lakh

25

Lakh

5

Lakh

5

Lakh

GRIEVANCE

REDRESSAL:-

033-44559073/9074 IMPS Txn related complaints may be

enquired and lodged through DMS. [email protected]

UCO E-BANKING




ABOUT:-

Bank has launched UCOPAY+ mobile application with Instant Online

Account Opening features and in built Wallet.

Available in Android and iOS.

UCOPAY+ app intends to offer one stop solution for all UCO and non-UCO

users.

One can open the wallet with limited KYC and later on, it can be

converted into Full KYC wallet.

Wallet is as per the latest guidelines of the RBI.

REGISTRATION

PROCESS:-

Download & install the UCOPAY+ Application from Google Play Store

(Android) / Apple Store (iOS phones).

Open the Application and enter your mobile number (customers/non

customers) and press submit.

Fill in your Details, Email-Id, and Document for verification and Proceed.

OTP will be sent to the mobile number you entered.

Enter OTP and set your 4-digit MPIN & T-pin.

Select secret question/answer and Proceed to log in.

FEATURES:-

Non-KYC customer can avail the wallet only for Goods and services.

KYC Complied customer can transfer the funds to UCO Accounts, wallet,

utility payments etc.

If KYC not done in 12 months, fund loading will be stopped for Non KYC

customers.

Never outstanding balance will be more than Rs. 10000/- for Non KYC

customers.

Monthly Limit for KYC customer is Rs. 20000/-.

Maximum Rs. 5000/- can be transferred in a day to UCO Bank account.

Similarly Maximum Rs. 5000/- can be loaded from any Credit/Debit card in

a day.

PRESENT

TRANSACTION

LIMITS

Presently Rs.20000/- for KYC complied customers.

Presently Rs.10000/- for Non-KYC complied customers.

GRIEVANCE

REDRESSAL

033-44559459/9084 [email protected]

UCO PAY + WALLET



ABOUT:-

UCOPAY+ is especially useful for non-UCO customers as they can open instant

online account without visiting branch.

Once User has opened instant online account, he/she will be able to utilize

host of services on offer through UCOPAY+ including:

Integrated e-wallet, generate Virtual Private Address for a/c, online debit card

request, fund transfer, Bank‟s product information and more.

STEPS OF

OPENING

ACCOUNT:-

Users can open instant online account through UCOPAY+ app in less than 5

minutes by following simple steps as given below:

To open instant online account using Aadhaar and PAN, user will click on the

option given at bottom of the home screen.

User will provide Aadhaar number and PAN number.

Based on aadhaar number entered, UCOPAY+ will fetch user details from

UIDAI.

OTP will be sent to mobile number linked with Aadhaar for verification.

User will now enter PAN number.

Confirm FATCA compliance, enter personal and nominee details.

Instant account opening is complete. Account number & other details will be

displayed.

SALIENT

FEATURES

Any UCO/non-UCO customer with valid Indian mobile number is eligible for

availing UCOPAY+ mobile application services. However, to open instant

online account, user must not have used his/her Aadhaar/PAN to open UCO

Bank account.

Instant online account opened through UIDAI based OTP will be a limited KYC

account, in which customer cannot have a credit balance of more than 1

Lakh.

Overall cumulative deposit in such an account cannot exceed 2 Lakhs, unless

full KYC process is completed.

User will have to give confirmation that he/she has not used the OTP based

Aadhaar (e-KYC) verification to open any other bank account.

The customer opening instant online account through UCOPAY+ will have to

complete full KYC by visiting his nearest Bank branch/ and providing his

biometric details within 12 months of opening such account.

By default all the A/c opened will be linked to DD Block (1870), which can be

transferred to any Branch of the Bank by completing KYC.

GRIEVANCE

REDRESSAL 033-44559459/9084 [email protected]

UCO PAY + INSTANT ACCOUNT OPENING



ABOUT:-

In order to enable our customers to keep track of their accounts “on the go”,

UCO Bank has launched UCO M Passbook, where customer can view all his

accounts in one single application.

It is a digital pocket passbook which enables the customers to update it anytime,

anywhere and also to refer the same in OFF-LINE mode.

REGISTRATION

PROCESS:-

Download and install the “UCO m Passbook” app from Google Play Store/Apple

store.

Open the app and register your Account Number and Registered mobile

number.

Enter the OTP received in your mobile.

Enter and confirm the Login PIN.

Login and enjoy your digital Passbook 24X7 (Both online and offline).

SALIENT

FEATURES:-

User has the option to view UCO m-Passbook application in 12 languages

including Hindi & English.

The Application is simple yet empowered with many features such as creating

your own ledger, analyze your spending, share your account statement over

email and many more.

All accounts linked with single customer id can be viewed.

To use m-Passbook, customer does not need to register for Mobile Banking.

After Registration & synchronization of accounts, m-Passbook can be used offline

as well, that means, without Internet Connection. Balance will be available as on

„last synchronize date‟. Date and time of last synchronization is available at

home screen.

USP:-

For internet and mobile banking customer needs to have SB/Current account,

but for UCO m-Passbook, apart from SB/Current account holders, customers with

only Loan account can also register. This means UCO m-Passbook application is

available for Loan accounts exclusively also.

GRIEVANCE

REDRESSAL 033-44559459/9084 [email protected]



DEBIT CARDS LIMITS

RUPAY

Cards

Card type

Category

Min

Balance

Daily Cash

Limit

Daily PoS/ E-

Commerce

limit

Rupay

Platinum

International

Personalized NIL Rs.50000/- Rs.100000/-

Rupay

Platinum Insta

Non

Personalized

NIL Rs.50000/- Rs.100000/-

Rupay Classic

International

Non

Personalized

NIL Rs.25000/- Rs.50000/-

Rupay Classic Non

Personalized

As per

Scheme

Rs.25000/- Rs.50000/-

Rupay

PMJDY/PMMY

Non

Personalized

NIL Rs.25000/- Rs.50000/-

Rupay KCC Non

Personalized

NA Rs.25000/- Rs.50000/-

VISA

Cards

Card type Category Min

Balance

Daily Cash

Limit

Daily PoS/ E-

Commerce

limit

Classic Non

Personalized

As per

Scheme

Rs.25000/- Rs.50000/-

Gold Personalized Rs.50000/- Rs.50000/- Rs.50000/-

Platinum Personalized Rs.100000/- Rs.50000/- Rs.100000/-

Signature Personalized Rs.200000/- Rs.50000/- Rs.200000/-

GRIEVANCE

REDRESSAL 03344559003/9005/9006/9058

ATM Txn related complaints may be enquired and lodged through DMS. 02266547329/7326/7325/7322

[email protected]

[email protected]

(Operational and Technical)

[email protected]

(Reconciliation)

mailto:[email protected]%[email protected]

mailto:[email protected]%[email protected]



ABOUT :-

You can simply convert your currency into plastic card.

Card is as equal as your debit card.

It can be used for cash withdrawal from ATM, works on merchant

outlets, and online portal.

Cards can be issued to customers/Non-customers at all our

branches.

KYC Guidelines applicable on Prepaid Payment Instruments to be

followed by the braches.

USES & NEED :- Suitable for Corporate/Business concern as it is perfect substitutes

to Cheque/Cash payment to employees.

Useful for students as it is a distinct spent wallet.

Can be used for gifting so that they can choose a gift of their own

choice.

It reduces the risk of card loss.

Best solution for risk free online shopping.

Real security, No skimming.

TYPE OF CARD &

FEATURES:-

It is Preloaded Rupay EMV Chip Card, Which is issued free of cost

and can be loaded multiple times (Subject to within the

prescribed limit) without any charges by depositing cash at

Branch or by transferring online.

GRIEVANCE REDRESSAL 033-44559058/9003

[email protected].

[email protected]

PREPAID CARDS




ABOUT:-

Bank‟s own Micro ATM Solution with the product name “UCO Sarathi” was

formally launched on 2nd November 2015.

Micro ATMs are actually upgraded version of Point of Sales (PoS) terminals

through which a bank can remotely connect to its core banking system

using debit card/Aadhaar.

Micro ATMs are Hand Held Devices used by Business Correspondents

which are fitted with card swipe machine as well as a fingerprint scanner.

Micro ATMs are capable of posting banking transactions through internet

connection wherein cash handling in done by the operator of machine

i.e. Bank Mitra (Business correspondence).

DEVICE DETAILS:-

These Micro ATM Device, contains two units;

1. Base unit comprising of one 7” Android Tab, Fingerprint Scanner, and

Thermal Printer, all fabricated on a single PVC unit.

2. Another unit is PAX PIN PAD device which shall be used to securely

entering RuPay Debit Card PIN number during transaction.

FEATURES:-

Aadhaar based login system along with fallback arrangement - OTP

based login.

Basic Saving Bank Deposit Account – Enrolment.

AEPS (Aadhaar Enabled Payment System) interoperable transact ion

(Cash Deposit /Withdrawal/ Fund Transfer/ Balance Enquiry/ Mini

Statement)

Aadhaar seeding.

RuPay Card Interoperable transactions (Cash Deposit / Withdrawal/

Fund Transfer/ Balance Enquiry/ Mini Statement)

Card Less Biometric transactions.

IMPS based inter-bank remittances (even for non-banking customers).

Transactions between two different Banks. These are often called Off-Us

Transactions

Mobile Recharge & other Bill Payments.

GRIEVANCE

REDRESSAL

[email protected]

[email protected]




ABOUT:-

With the increasing number of digital banking channels, there is also

an increased risk of fraudsters gaining unauthorized access and

performing unwanted transactions without knowledge of customer.

While there are many ways to block digital banking service, all are

scattered and facility to control all channels at one place was

desired by customers.

UCO Bank thus came up with UCO Secure solution offering

complete control solution in the hands of customers anytime,

anywhere offering complete peace of mind.

REGISTRATION

PROCESS:-

Download and install the “UCO Secure” mobile App from Google

Play Store/Apple store.

Open the App, enter your registered mobile number and proceed.

Enter Account Number and any one of the last 5 transactions and

Type, and Proceed.

Confirm and select the customer name. Register via OTP or Debit

Card.

Enter OTP received in your mobile (in case of OTP registration) or

Debit Card Details (In case of Debit Card Registration)

Set Login PIN and Register Successfully.

Login and Secure/manage your Digital Banking as per your

requirement 24X7.

FEATURES:-

In case, any ADC service is not required, customer can instantly

disable any of the given ADC services without making any call or

visiting branch.

Debit card (ATM, POS, e-commerce, domestic, international)

User can also set transaction limit for:

Debit card (under process).

m-banking,

e-banking,

BHIM UCO UPI

UCOPAY+

Similarly, whenever any ADC service is required, service may be

enabled instantly sitting at the comfort of home or on the move.

GRIEVANCE REDRESSAL 033-44559459/9084 [email protected]

UCO SECURE




ABOUT:-

BHIM-Aadhaar Pay, as part of Aadhaar Enabled Payment System (AEPS),

allows the customer to perform a purchase Transaction.

For our Bank the entire process of BHIM Aadhaar Pay is regulated through

an App “BHIM Aadhaar- UCO Bank” which is available in “Google Play

Store”.

The “BHIM Aadhaar-UCO BANK” App allow merchants to accept the

Aadhaar of the customer as a payment instrument and the use of Biometric

authentication by a Biometric Scanner.

Merchants willing to onboard themselves on Bank‟s Platform need to enroll

through the App and visit Home Branch for Final Approval process which

includes Biometric Device Handover after mapping of the same with the

Merchant.

Merchant Account will be credited on (T+1) day for a successful

Transaction done on this platform.

MERCHANT ON

BOARDING

PROCESS

IN BRIEF:-

Merchant downloads the app: “BHIM AADHAAR – UCOBANK” from Google

Play store.

Merchant Registers by filling up the details such as Aadhaar Number, Date

of Birth, Merchant Name, etc., asked in the merchant registration page.

After successful enrolment, a success message will be displayed,

prompting the merchant to visit the branch with requisite documents.

Merchant submits the KYC Documents, Merchant on boarding Application

Form, to the branch and Executes the BHIM AADHAAR PAY Merchant

agreement.

Branches/ ZOs will login to BHIM AADHAAR portal at

https://bhimap.ucoonline.in:9894/ipay

After login BO/ZO will approve the merchants pending for enrolment and

will assign the device ID.

Post device allocation: For Mantra Device, Merchants will install “Mantra

Management Client” and “Mantra RD Service”

For Precision Device, Merchants will install “PB510 RD Service” available in

Google play store.

Merchant will login to application with Biometric/user id & password

verification.

After successful sign in/login merchant can accept payment from

customers through AADHAAR PAY Menu.

MERCHANTS

ACTIVITIES IN

REGISTRATION

PROCESS:-

For Usage of BHIM Aadhaar Pay, Merchant needs to have an OTG

Compatible Handset with them.

Only OTG Compatible Handsets will be able to detect the Biometric Scanner

once connected to it.

Handsets like VIVO, OPPO, REDMI and other SAMSUNG sets are compatible

with Biometric Scanner detection. For OPPO/VIVO, OTG has to be enabled

manually from Settings menu in Handset.

For other Handsets OTG compatibility can be checked by installing Client

BHIM AADHAAR-PAY



MERCHANTS

ACTIVITIES IN

REGISTRATION

PROCESS

Application of Biometric Scanners and finally by “Capture Test” of Biometric

by using Fingerprint.

For Mantra Device, Merchants have to install “Mantra Management

Client“and “Mantra RD Service. For Precision Device, Merchants have to

install “PB510 RDService” available in GOOGLE PLAY STORE.

For Precision, Once Connected Device will automatically detect and will ask

for “Allow access for the Device” and final display will be “Device Ready to

Use”.

For Mantra, once connected the Management Client App will show as

“Public Device Connected”.

If the Handset is Compatible with OTG, then Merchant can proceed for

Enrolment by downloading “BHIM Aadhaar – UCO Bank” from PLAY STORE

and proceed for Enrollment.

Merchant must have a Current/Savings Account, Aadhaar Number for Sign-

Up.

If Merchant doesn‟t have Account with UCO Bank and wish to open a

Current/Savings then the same can also be handled at Branch Authorization

Portal by entering the Account Number after opening of the same.

After Sign up from Merchant End is Successful, then Branch will verify the

details along with Account Number and assign a Biometric Scanner after

mapping of the same through the portal:


Merchant will then Download the Client Application based on the Biometric

Scanner assigned and get their device registered at UIDAI for the first time.

Merchant will then finally complete the “Auth 2.0” Registration during their

first LOGIN to BHIM Aadhar App by providing Aadhaar Number, Account

Number and finally Authenticate by providing Fingerprint as Biometric.

After Success for “Auth 2.0”, Merchant is now ready to accept Payments

from Customers in this platform.

BRANCH

ACTIVITIES FOR

MERCHANT

ON-

BOARDING:-

Branch will login to Authorization Portal https://bhimap.ucoonline.in:9894/ipay

User ID will be Sol Id and for Password contact ZO/HO.

Branch can check whether any enrolment is done or not by entering the

Name/Registration ID in specified fields as shared in the image.

If registration is done, values will be populated with exact details as entered

by the Merchant.

Branch needs to recheck each field details specially Account Number since

Payment will be done to the same on (T+1) day.

If the Merchant doesn‟t have any account, and have selected as “Do you

wish to open a new Account” in the App, then Branch will have to enter

Account Number after opening of the same.

Branch will select the Device Type based on the scanner (FPPRE for Precision,

FPMAN for MANTRA), enter the “Device Serial Number”, change the Remarks

field to “Approved” and update the Status to “Assign Device and Approve”.





Finally click on “SUBMIT” button to complete the Authorization Process.

Page will be displayed as “Merchant has been approved and now he can

do Transactions”. [

BENEFITS

OF BHIM

AADHAAR

PAY:-

INCENTIVES

TO

MERCHANTS:-

The Entire process of making payment in this platform is fully digital and

customers need not to carry any physical cash while making payments to

Merchants.

Customer can select any Bank Account based on the Merchants Terminal

Application in which his/her Aadhaar is seeded.

BHIM Aadhaar Pay was basically launched to cater small payments from

customers at Merchant Terminals.

From Merchants point of view, to promote Aadhaar Pay, NABARD has

launched an incentive scheme for Merchants wherein 0.5% of transaction

value will be paid to Merchants under FIF scheme.

Minimum and Maximum Incentive is capped at Rs 2/- and Rs 50/- for a single

Transaction.

To Receive an incentive of Rs 2/-, Merchant must accept payment of more

than or equal to Rs 25/-

MDR will not be recovered from the merchants till existing NABARD incentive

scheme under FIF is operational till 31-03-2019.

As per MeitY, MDR won‟t be recovered from Merchants, for Transaction value

of less than or equal to Rs 2000/- till year 2019.

GRIEVANCE

REDRESSAL:-

For UCO Customer disputes in BHIM Aadhaar Platform, while making

payments at other Bank Terminals are also handled seamlessly.

For any query/issue regarding merchant on-boarding on „BHIM AADHAAR

PAY‟, branches may contact concerned department at: 033-44559767/9736

or send e-mail at: [email protected]




ABOUT :-

A QR code consists of black squares arranged in a square grid on a white

background, which can be read by an imaging device such as a camera.

It contains information about the item to which it is attached.

NPCI jointly worked with International card Schemes to develop a common

standard QR code specifications.

BQR is Person to Merchant (P2M) Mobile payment solution.

Payment Using BQR enabled Mobile banking Application/wallet:

Merchants need to display QR codes in their premises.

User can scan these QR via BQR enabled mobile banking app and pay

using Card linked account / VPA / IFSC + Account / Aadhaar.

BHARAT QR &

POS:-

Bharat QR transactions are different from POS transactions. In POS

transaction, POS terminal is required whereas in Bharat QR transaction, QR

Code is required.

Using mobile banking app or wallet user will scan the QR Code placed in

merchant outlet and make the payment using the RuPay /VISA Card linked

to the BQR.

UCO BANK QR

CODE FACILITY

PRODUCTS:-

UCO Bank offers the following digital banking products with QR Code

facility:

Mobile Banking (BHARAT QR), BHIM UCO UPI and UCOPAY+.

Customers/Merchants can make/accept payments using QR code facility

in these apps.

PROCESS TO

GENERATE QR

CODE IN BHIM

UCO UPI

Open the “BHIM UCO UPI” Application in your Mobile Phone.

Enter your 4 Digit Mpin and LOGIN.

Select “SCAN & PAY/ GENERATE”

“SCAN & PAY / GENERATE” Screen will appear.

Select “Generate QR Code” and select OK.

“QR Code Generator” Screen will appear.

Touch on “GENERATE”. Please note that Amount is Optional. QR Code may

be generated without the amount.

QR Code can be generated as both Image file and PDF file.

Please select the desired Option from “Share as Image File” or “Save as PDF

File” and Select “OK”

QR Code will be generated.

Take a Print out and display at Merchant Outlet.

There is option to share the QR Code to others and may also be saved as

PDF File for Taking Print outs.

GRIEVANCE

REDRESSAL

033-44559767 [email protected]

BHARAT QR (QUICK RESPONSE) CODE



Select your

Rupay/Visa card to

initiate the payment


ABOUT POS:-

POS or swipe machine is a device installed at Merchant Establishment

(ME) to facilitate sale of goods or service to customers in a cashless

environment.

Our Bank has also introduced this product to open up an avenue for

earning commission and increasing Current Account portfolio.

USP :-

Our POS machines are portable, handheld & mobile device.

Long battery life

Pre-installed network connection.

No installation fee.

No connectivity fee.

No charges for paper rolls (Digital machine).

No force settlement fee.

Free monthly transaction statement.

Free service assistance.

No uninstallation charges.

No annual maintenance charges.

No security deposit.

8 AM to 11 PM helpdesk.

Rent free POS to CA holders on maintaining monthly average balance

1.5 lakh. & in CC a/c having limit 1 Cr & above OR transaction value

more than 4.5 lakh

80 to 20% Concession in monthly rent on fulfilling certain conditions

(Maintaining monthly average balance OR turnover).

Normal charges Rs.1000/- + GST monthly rent.

BENEFITS :-

New avenue to earn Non interest income.

Additional facility to existing or new Customers.

Increasing Number of Current/Traders accounts and Deposits.

Bringing back our customers who have left us to opt for this facility in

other banks.

Ease of operation and better efficiency in cash less environment.

MDR CHARGES

(MERCHANT

DISCOUNT

RATE):-

Maximum MDR Charges as per RBI applicable on Debit Card

Transaction:

Transaction amt. (applicable for

cards of all banks)

Physical POS infrastructure

including online card transactions

Debit card-Small merchants (with

turnover up to Rs. 20 lakh during

the previous financial year)

Not exceeding 0.40% (MDR cap of

Rs. 200 per transaction)

Debit card-Other merchants

Not exceeding 0.90%

(MDR cap of Rs.1000 per

transaction)

MDR (Merchant Discount Rate) Charges applicable in our Bank:

UCO POINT OF SALE (POS)


MDR Debit Card Txn up to Rs.2000/- Free w.e.f. 01.01.2018 till further

notice.

MDR on Debit Card Txn above Rs.2000/- will be applicable as mentioned

above.

Standard credit card 1.40%

Premium credit card 2.20%

Super premium credit card 2.40%

RENTAL

&

REBATES

Currently Rs.1000/- + GST per month per machine borne by the

Merchant with provisions for:

A) Full waiver on rental:

SL

NO

ACCOUNT

TYPE

CONDITION AMOUNT

1 CURRENT Maintenance of Monthly

Average Balance in

Current Account

More than

Rs.1.50Lacs.

2 CURRENT

AND CASH

CREDIT

Monthly transaction in

POS Machine of our Bank

More than

Rs.4.50Lacs.

3 CASH CREDIT For limit (1 machine per

account)

Rs.100 Lacs and

above

B) Rebate on Rental: For Current Account only (Based on Average

monthly Balance):

Average Monthly Balance

in CA

Max Rebate on Applicable

Rental

Applicable

Rent

Up to Rs.50,000/-

NIL Rs.1000/- +

GST

More than Rs.50,000/- to

Rs.1,00,000/-

25% of Normal Rs.750/- +

GST

More than Rs.1,00,000/- to

Rs.1,50,000/-

50% of Normal Rs.500/- +

GST

C) Rebate on Rent based on Monthly Transaction Value (For CA and

CC Accounts):

Sl no Monthly transaction

Value through POS

Machine

Rebate

Amount on

Rent

Effective Rent + GST

1 Up to Rs.1.00 Lacs NIL Rs.1000/- + GST

2 >Rs.1.00 to Rs.2.00

Lacs

Rs.200/- Rs.800/- + GST

3 >Rs.2.00 to Rs.3.00

Lacs

Rs.400/- Rs.600/- + GST

4 >Rs.3.00 to Rs.4.00

Lacs

Rs.600/- Rs.400/- + GST

5 >Rs.4.00 to Rs.4.50

Lacs

Rs.800/- Rs.200/- + GST

6 More than Rs.4.50

Lacs

Rs.1000/- NIL


MERCHANT

ON BOARDING

PROCEDURE

GRIEVANCE

REDRESSAL

For any issues/ queries please contact:

033-4455-7949

[email protected]



ABOUT :-

In order to provide best online services Bank have introduced Smart Pay

option to pay school/college/university/hostel fees online (Certain specific

institutions only).

Customers just need to visit Bank‟s website – Go to UCO Smart Pay option –

Select Institution – Fill details – Make payment through Debit Card/E-banking

etc.

Under this Module following three options will be available:

Offline Payment at UCO Bank branches.

Online Payment using UCO Bank e Banking

Online Payment using UCO Debit card.

MERCHANT ON

BOARDING

Process:-

Branches and Zonal offices need to review the existing and new Institutions

account and approach the Respective Authorities to tie up with UCO Bank for

the integration of Fee Collection Module.

On acceptance from the Institution, branches will escalate the process to HO

DIT through their respective ZO.

The integration will be done by HO DIT.

Integration at Bank‟s end, is free of cost.

ADVANTAGES:-

More Convenient for Parents - automatic payments allow parents to save

time, anxiety and hassle free to operate.

The new fee collection account will help our branches in selling the product

aggressively thereby increasing customer base on a consistent basis.

Master Creation of UCO Smart Pay module, its integration in Bank‟s software –

Finacle will be done by HO, DIT.

GRIEVANCE

REDRESSAL 033-4455-9472/ 9039 [email protected]

UCO SMART PAY



ABOUT :-

Bharat bill Pay is a national integrated bill payment system

conceptualised by The Reserve Bank of India and being implemented

by National Payments Corporation of India (NPCI).

Bharat BillPay will provide a one-stop interoperable and accessible bill

payment platform to all customers across India to pay any bill „Anytime

Anywhere‟ with utmost ease, certainty, reliability and safety of

transaction.

How to Pay:-

Customers can browse to www.ucobank.com and select „BHARAT BILL

PAYMENT SYSTEM‟ under E-Services.

Select „PAY BILL HERE‟ and register or quick pay to make payment of

their utility bills.

SALIENT

FEATURES:-

Trusted Brand connect and assurance with scheme and standards.

Accessible on online and offline platforms. Multiple payment modes

and channels.

Instant Confirmation.

Access payment history.

Easy online complaints registration.



OTHER ONLINE SERVICES

TDS Certificate Your TDS certificate is available on Bank‟s website, download any time

anywhere.

Interest

Certificate

No need to visit Branch- Your Loan account statement & Interest Certificate is

available on Bank‟s website, download any time anywhere.

Missed Call The following facilities can be availed by just giving missed call

Balance Enquiry in SB/CA/CC/OD Accounts: 92787-92787

Mini Statement of SB/CA/CC/OD Accounts: 92131-25125

Home loan related information: 92102-22122

Car loan related information: 92104-22122

Card Hot listing Option 1 At Branch level through finacle (CARDHOT menu option)

Option 2 Use UCO Secure app

Option 3 Through M Banking app

Option 4 Call Customer Care on toll free number: 1800-274-0123

Option 5 Send E-Mail to : [email protected]

Option 6 SMS through registered mobile number only: write HOT<space>last

4 digit of card no or 14 digit a/c Send to 9230192301, if card

number/account doesn‟t specified, all the cards issued in concern Customer

ID will be hot listed.

ATM Card

Control

Link available in www.ucobank.com

Restrict Transaction Limit: Based on the spending needs, customer can

restrict the daily limit of the debit card through ATM & POS/e-commerce

transactions.

Restrict Channel Type: To eradicate risk, customer can restrict the card use

in any of/all the channels like ATM, POS.

Restrict use type: Based on the need, customers can enable/ disable

Domestic & International usage.

Online Loan

application

Our existing and prospective customers can apply online for following loan:

UCO Car loan

UCO Home loan

MSME Loan

MUDRA Loan
