DEPARTMENT OF INFORMATION TECHNOLOGY

UCO BANK HEAD OFFICE

KOLKATA
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

UCO Bank HO-DIT July 2018 Page 2

 INTRODUCTION TO DIGITAL BANKING
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.

UCO Bank HO-DIT July 2018 Page 3

UCO Bank HO-DIT July 2018 Page 4
 BHIM UCO UPI
 Manage all your Bank Accounts under one single App: “BHIM UCO UPI”!
 Unified Payments Interface (UPI) is a new payment system on NPCI platform
ABOUT:- 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).

 Download & install the BHIM UCO UPI Application from Google Play Store.
 Open the App and verify the mobile number through auto SMS. Select the
REGISTRATION registered mobile number/SIM>“SEND SMS”.
PROCESS:-  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”.
 Send and Receive Money.
 Send collect request.
FEATURES:-  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  Per Day / Per Transaction limit is Rs1,00,000/-. Per day is counted in hourly cycle
LIMIT:- of 24 hrs.

GRIEVANCE
REDRESSAL:- bo.treasurynfscell@ucobank.co.in
022-66547329/7326/7325/7322,
(Reconciliation)
uco.mbanking@ucobank.co.in
033-44559084/9459
(Technical and operational)

UCO Bank HO-DIT July 2018 Page 5

UCO Bank HO-DIT July 2018 Page 6
 UCO M-BANKING

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.

 Download & install the UCO M banking application from Google Play store/
Apple store.
REGISTRATION  Registration can be done using the option New Registration by providing your
PROCESS:- 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.
 Easy access to all your linked account: View, Balance Enquiry, Statement.
 Fund Transfer: Intra Bank, Inter Bank Transfer- NEFT, RTGS, IMPS, MMID &
FEATURES:- 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.
Facility Limit per day for Limit per day for
quick payment beneficiary payment
TRANSACTION NEFT/RTGS/IMPS/Bill/Other Rs-50000/- Rs-200000/-
LIMIT:- For minors (wherever Rs.5000/- Rs.5000/-
applicable) Smart kids
For self-linked a/c Transfer Rs.500000/-

GRIEVANCE 033-44559459/9084 uco.mbanking@ucobank.co.in

REDRESSAL 022-66547329/7326/7325/7322, (Operational and Technical)
IMPS Txn related complaints bo.treasurynfscell@ucobank.co.in
may be enquired and lodged (Reconciliation)
through DMS.

UCO Bank HO-DIT July 2018 Page 7

UCO Bank HO-DIT July 2018 Page 8
 UCO E-BANKING

 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.
ABOUT :-  It is an extension of Mobile Banking, having wider fund transfer facility, tax
payment option.
 E-Banking is for corporate customers also.

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.
REGISTRATION  View and click on “I agree with Terms & Conditions” checkbox and Then
PROCESS:- 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.
 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
FACILITIES:-
 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 Service NEFT/RTGS *IMPS OWN A/C 3rd PARTY BILL

LIMIT:- Type PAYMENT
Per Per Per Per Per Per Per Per Per Per
*IMPS Limit is Txn Day Txn Day Txn Day Txn Day Txn Day
fixed Retail 5 5 0.5 2 5 5 5 5 2 2
irrespective of Users Lakh Lakh Lakh Lakh Lakh Lakh Lakh Lakh Lakh Lakh
the channel Corporate 25 25 0.5 2 5 25 5 25 5 5
being used Users Lakh Lakh Lakh Lakh Lakh Lakh Lakh Lakh Lakh Lakh

GRIEVANCE 033-44559073/9074
REDRESSAL:- IMPS Txn related complaints may be hoe_banking.calcutta@ucobank.co.in
enquired and lodged through DMS.

UCO Bank HO-DIT July 2018 Page 9

 UCO PAY + WALLET
 Bank has launched UCOPAY+ mobile application with Instant Online
ABOUT:- 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.
 Download & install the UCOPAY+ Application from Google Play Store
(Android) / Apple Store (iOS phones).
REGISTRATION  Open the Application and enter your mobile number (customers/non
customers) and press submit.
PROCESS:-
 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.
 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
FEATURES:-
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  Presently Rs.20000/- for KYC complied customers.
LIMITS  Presently Rs.10000/- for Non-KYC complied customers.
GRIEVANCE
033-44559459/9084 uco.mbanking@ucobank.co.in
REDRESSAL

UCO Bank HO-DIT July 2018 Page 10

 UCO PAY + INSTANT ACCOUNT OPENING
 UCOPAY+ is especially useful for non-UCO customers as they can open instant
ABOUT:- 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.
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
STEPS OF option given at bottom of the home screen.
OPENING  User will provide Aadhaar number and PAN number.
ACCOUNT:-  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.
 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
SALIENT Bank account.
 Instant online account opened through UIDAI based OTP will be a limited KYC
FEATURES 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
033-44559459/9084 uco.mbanking@ucobank.co.in
REDRESSAL

UCO Bank HO-DIT July 2018 Page 11

  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
ABOUT:- 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.

 Download and install the “UCO m Passbook” app from Google Play Store/Apple
REGISTRATION store.
PROCESS:-  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).
 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
SALIENT your own ledger, analyze your spending, share your account statement over
FEATURES:- 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
033-44559459/9084 uco.mbanking@ucobank.co.in
REDRESSAL

UCO Bank HO-DIT July 2018 Page 12

 DEBIT CARDS LIMITS
Min Daily Cash Daily PoS/ E-
Card type Category Balance Limit Commerce
limit
Rupay Personalized NIL Rs.50000/- Rs.100000/-
Platinum
RUPAY International
Cards Rupay Non NIL Rs.50000/- Rs.100000/-
Platinum Insta Personalized
Rupay Classic Non NIL Rs.25000/- Rs.50000/-
International Personalized
Rupay Classic Non As per Rs.25000/- Rs.50000/-
Personalized Scheme
Rupay Non NIL Rs.25000/- Rs.50000/-
PMJDY/PMMY Personalized
Rupay KCC Non NA Rs.25000/- Rs.50000/-
Personalized
Card type Category Min Daily Cash Daily PoS/ E-
Balance Limit Commerce
limit
VISA
Classic Non As per Rs.25000/- Rs.50000/-
Cards
Personalized Scheme
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 hoatm.calcutta@ucobank.co.in
03344559003/9005/9006/9058
REDRESSAL ho.bpr@ucobank.co.in
ATM Txn related complaints
(Operational and Technical)
may be enquired and lodged
through DMS. bo.treasurynfscell@ucobank.co.in
02266547329/7326/7325/7322 (Reconciliation)

UCO Bank HO-DIT July 2018 Page 13

 PREPAID CARDS
 You can simply convert your currency into plastic card.
 Card is as equal as your debit card.
ABOUT :-  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 &  It is Preloaded Rupay EMV Chip Card, Which is issued free of cost
FEATURES:- 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 hoatm.calcutta@ucobank.co.in.
033-44559058/9003
ho.bpr@ucobank.co.in

UCO Bank HO-DIT July 2018 Page 14

  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
ABOUT:- 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).
 These Micro ATM Device, contains two units;
DEVICE DETAILS:- 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.
 Aadhaar based login system along with fallback arrangement - OTP
based login.
FEATURES:-  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 ho.fi@ucobank.co.in
REDRESSAL hodit.calcutta@ucobank.co.in

UCO Bank HO-DIT July 2018 Page 15

 UCO SECURE
 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
ABOUT:-
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.
 Download and install the “UCO Secure” mobile App from Google
Play Store/Apple store.
REGISTRATION  Open the App, enter your registered mobile number and proceed.
PROCESS:-  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.

 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)
FEATURES:-
 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 uco.mbanking@ucobank.co.in

UCO Bank HO-DIT July 2018 Page 16

UCO Bank HO-DIT July 2018 Page 17
 BHIM AADHAAR-PAY
 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”.
ABOUT:-  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 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.
MERCHANT ON
 After successful enrolment, a success message will be displayed,
BOARDING
prompting the merchant to visit the branch with requisite documents.
PROCESS  Merchant submits the KYC Documents, Merchant on boarding Application
IN BRIEF:- 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  For Usage of BHIM Aadhaar Pay, Merchant needs to have an OTG
ACTIVITIES IN Compatible Handset with them.
REGISTRATION  Only OTG Compatible Handsets will be able to detect the Biometric Scanner
PROCESS:- 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

UCO Bank HO-DIT July 2018 Page 18

 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
MERCHANTS Use”.
ACTIVITIES IN  For Mantra, once connected the Management Client App will show as
REGISTRATION “Public Device Connected”.
PROCESS  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:
https://bhimap.ucoonline.in:9894/ipay
 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 will login to Authorization Portal https://bhimap.ucoonline.in:9894/ipay
 User ID will be Sol Id and for Password contact ZO/HO.
BRANCH  Branch can check whether any enrolment is done or not by entering the
ACTIVITIES FOR Name/Registration ID in specified fields as shared in the image.
MERCHANT  If registration is done, values will be populated with exact details as entered
ON- by the Merchant.
BOARDING:-  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”.

UCO Bank HO-DIT July 2018 Page 19

  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  The Entire process of making payment in this platform is fully digital and
OF BHIM customers need not to carry any physical cash while making payments to
AADHAAR Merchants.
PAY:-  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.

INCENTIVES  From Merchants point of view, to promote Aadhaar Pay, NABARD has
launched an incentive scheme for Merchants wherein 0.5% of transaction
TO
value will be paid to Merchants under FIF scheme.
MERCHANTS:-  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.

 For UCO Customer disputes in BHIM Aadhaar Platform, while making

GRIEVANCE payments at other Bank Terminals are also handled seamlessly.
REDRESSAL:-  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: hodit.calcutta@ucobank.co.in

UCO Bank HO-DIT July 2018 Page 20

UCO Bank HO-DIT July 2018 Page 21
 BHARAT QR (QUICK RESPONSE) CODE
 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.
ABOUT :-  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 transactions are different from POS transactions. In POS
transaction, POS terminal is required whereas in Bharat QR transaction, QR
BHARAT QR & Code is required.
POS:-  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 offers the following digital banking products with QR Code
UCO BANK QR facility:
CODE FACILITY Mobile Banking (BHARAT QR), BHIM UCO UPI and UCOPAY+.
PRODUCTS:-  Customers/Merchants can make/accept payments using QR code facility
in these apps.
 Open the “BHIM UCO UPI” Application in your Mobile Phone.
 Enter your 4 Digit Mpin and LOGIN.
PROCESS TO  Select “SCAN & PAY/ GENERATE”
GENERATE QR  “SCAN & PAY / GENERATE” Screen will appear.
CODE IN BHIM  Select “Generate QR Code” and select OK.
UCO UPI  “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 033-44559767 hodit.calcutta@ucobank.co.in

REDRESSAL

UCO Bank HO-DIT July 2018 Page 22

 Select your
Rupay/Visa card to
initiate the payment

UCO Bank HO-DIT July 2018 Page 23

 UCO POINT OF SALE (POS)
 POS or swipe machine is a device installed at Merchant Establishment
ABOUT POS:- (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.
 Our POS machines are portable, handheld & mobile device.
 Long battery life
 Pre-installed network connection.
 No installation fee.
 No connectivity fee.
USP :-  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.
 New avenue to earn Non interest income.
 Additional facility to existing or new Customers.
BENEFITS :-  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.
Maximum MDR Charges as per RBI applicable on Debit Card
Transaction:
Transaction amt. (applicable for Physical POS infrastructure
cards of all banks) including online card transactions

MDR CHARGES Debit card-Small merchants (with Not exceeding 0.40% (MDR cap of
(MERCHANT turnover up to Rs. 20 lakh during Rs. 200 per transaction)
DISCOUNT the previous financial year)
RATE):-

Not exceeding 0.90%

Debit card-Other merchants (MDR cap of Rs.1000 per
transaction)

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

UCO Bank HO-DIT July 2018 Page 24

 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%
Currently Rs.1000/- + GST per month per machine borne by the
Merchant with provisions for:
A) Full waiver on rental:
SL ACCOUNT CONDITION AMOUNT
NO TYPE
1 CURRENT Maintenance of Monthly More than
Average Balance in Rs.1.50Lacs.
Current Account
2 CURRENT Monthly transaction in More than
RENTAL AND CASH POS Machine of our Bank Rs.4.50Lacs.
CREDIT
& 3 CASH CREDIT For limit (1 machine per Rs.100 Lacs and
account) above
REBATES B) Rebate on Rental: For Current Account only (Based on Average
monthly Balance):
Average Monthly Balance Max Rebate on Applicable Applicable
in CA Rental Rent
Up to Rs.50,000/- NIL Rs.1000/- +
GST
More than Rs.50,000/- to 25% of Normal Rs.750/- +
Rs.1,00,000/- GST
More than Rs.1,00,000/- to 50% of Normal Rs.500/- +
Rs.1,50,000/- GST

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

CC Accounts):
Sl no Monthly transaction Rebate Effective Rent + GST
Value through POS Amount on
Machine Rent
1 Up to Rs.1.00 Lacs NIL Rs.1000/- + GST
2 >Rs.1.00 to Rs.2.00 Rs.200/- Rs.800/- + GST
Lacs
3 >Rs.2.00 to Rs.3.00 Rs.400/- Rs.600/- + GST
Lacs
4 >Rs.3.00 to Rs.4.00 Rs.600/- Rs.400/- + GST
Lacs
5 >Rs.4.00 to Rs.4.50 Rs.800/- Rs.200/- + GST
Lacs
6 More than Rs.4.50 Rs.1000/- NIL
Lacs

UCO Bank HO-DIT July 2018 Page 25

 MERCHANT
ON BOARDING
PROCEDURE

For any issues/ queries please contact:

GRIEVANCE 033-4455-7949
REDRESSAL poscell@ucobank.co.in

UCO Bank HO-DIT July 2018 Page 26

 UCO SMART PAY
 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
ABOUT :- 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.

 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
MERCHANT ON the integration of Fee Collection Module.
BOARDING
Process:-  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.

 More Convenient for Parents - automatic payments allow parents to save

ADVANTAGES:- 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 hoe_banking.calcutta@ucobank.co.in

UCO Bank HO-DIT July 2018 Page 27

  Bharat bill Pay is a national integrated bill payment system
conceptualised by The Reserve Bank of India and being implemented
ABOUT :-
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.

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

PAYMENT SYSTEM‟ under E-Services.
How to Pay:-  Select „PAY BILL HERE‟ and register or quick pay to make payment of
their utility bills.

 Trusted Brand connect and assurance with scheme and standards.

 Accessible on online and offline platforms. Multiple payment modes
and channels.
SALIENT  Instant Confirmation.
FEATURES:-  Access payment history.
 Easy online complaints registration.

UCO Bank HO-DIT July 2018 Page 28

 OTHER ONLINE SERVICES
TDS Certificate Your TDS certificate is available on Bank‟s website, download any time
anywhere.
Interest No need to visit Branch- Your Loan account statement & Interest Certificate is
Certificate 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 : uco.custcare@ucobank.co.in
 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  Link available in www.ucobank.com
Control  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 Our existing and prospective customers can apply online for following loan:
application  UCO Car loan
 UCO Home loan
 MSME Loan
 MUDRA Loan

UCO Bank HO-DIT July 2018 Page 29