BHIM KBL UPI (Secure Mobile App for Rapid Transactionz)
Mobile application built on UPI Platform for universal app transaction, which facilitates customers to add own and other Bank accounts linked to his/her registered mobile number. Customer can initiate payment ( push ) and collect ( pull ) fund transfer request based on virtual ID, Aadhar number , Bank account number with IFSC code, Mobile Number with MMID.
Download self help guide from https://www.karnatakabank.com/ktk/KBL-upi-manual.pdf
Scan n Pay and Generate QR code and share
A) Allowed to initiate credit collect to a card not linked account.
B) Self help mode activated
C) QR code generator option to generate QR Code to receive instant payments by sender using BHIM KBL UPI scan pay n pay option .
D) activation of user permission to access phone features .
F) Enhancements in UI/UX design
Pre-Requisites:
1. Registered Mobile number with the Bank where the account is held , sim should be in primary sim Slot
( case of dual SIM Mobile devices.)
2. Mobile Number should be registered with Bank for receiving Transaction SMS Alerts
3. Should have a Valid Debit Card
Link any of your other Bank Accounts which is mapped to your registered mobile number
with valid Debit card
You Need not to be a KBL Customer to use BHIM KBL UPI
You Can initiate Money Collection Request ( PULL )
You Can View your Other Bank Account Balance
You Can Send money to the Aadhaar Number, Virtual Address, Account Number & IFSC, Mobile Number & MMID (Mobile Money Identifier).
You can receive money from Virtual Address ( Collect / PULL )
a) U2U (PUSH): UPI to UPI transaction (Basis Virtual Address, Account Number+IFSC, Aadhaar Number, Mobile Number+MMID). In this case, both the sending and the receiving bank are live on UPI.
b) U2U (PULL): Means UPI to UPI transaction (Basis Virtual Address). In this case, both the sending and the receiving bank are live on UPI.
c) U2I (PUSH): Means UPI to IMPS transaction (and Mobile Number & MMID). In this case, the sending bank is live on UPI but the receiving bank is live only on IMPS and not on UPI.
BHIM KBL UPI will have two PINs
1. App PIN ( 4 Digits) which is created while profile creation. Used for securing the App and opening.
2. MPIN ( 4 Digits ) which is created for each account using SET UPI credentials option. MPIN is used for completing the transactions as 2 nd factor authentication.
for more details http://goo.gl/zh1RxX
Perhaps it’s the Karnataka bank servers. I simply could not get it to work. Moreover while many other banks provide UPI access 24x7, it seems like Karnataka bank turns off its servers during nights and weekends. Setup initially worked and I was able to query bank balance. But I was never able to transfer money via UPI — be it through this app or via Google Pay. Also, Karnataka bank UPI does not work over Jio but works over WiFi. It seems that Karnataka bank does not have its act together with UPI and is behind times.
