Right after 50 days from the demonization surgical strike, on 30th December Prime Minister of India Mr.Narendra Modi today reportedly launched a new app called the Bharat Interface for Money (BHIM) app which is yet another effort for the country to become an cashless economy. It’s hard to tell how successful or secure this will be, but here’s a complete guide on how to use the BHIM app launched today. The App is currently Android only will be launched for ios devices soon.

What exactly does the Bharat Interface for Money (BHIM) App do?

It can be compared with the popular app PayTm in terms of usage, but it’s different on many terms. It’s built for shopkeepers and vendors in mind and not usual users but usual users can still use it, read on to understand why that matters. It is a replacement for the plastic cards and cash, that means it will eliminate the fee of cards like Visa or MasterCard. The BHIM App is just another way how you’ll make payments from now on with some added benefits. It works without the internet and it does not need a smartphone! Well that’s impressive. Let’s see How the Bharat Interface for Money (BHIM) app works before how to use it.

Here’s How the Bharat Interface for Money (BHIM) app Works.

The base requirement is Aadhar, so right of the bat you need to be a citizen of the country to use it and you need a Aadhar card number. You first need to download the App from the play store and register to it using your Aadhar card number. Since back accounts are linked to your Aadhar card it uses your Aadhar card information to confirm the payment.

How to use the Bharat Interface for Money (BHIM) app

This app has two users the customers and the shopkeepers.

Using BHIM App (Customers)

Users need to download and register the the app, and set a UPI PIN for your bank account, the app will walk you through the steps involved. Your mobile number is your payment address, and you can start transacting right away. Through the app, you can send or receive money to a phone number, check balance, or scan a QR code to make a payment without sharing a phone number. Yes, send and receive from anyone. But that’s when you have a smartphone, right?

The App and the idea of the app did keep in mind that many out there still don’t have smartphones or choose to use other simpler phones over smartphones. This gives an additional oppurtunity for Shopkeepers to accept payments,

Using BHIM App ( Shopkeepers)

The shopkeeper needs to downloads the app register as a user, If he wants to use the added feature of enabling people without smartphones to use BHIM then he needs to get the Biometric reader for verifying the identity of the customer making payments,the fingerprint is the simple scanner and the authentication that will let the user verify the user and the customer will then put non-authentic details like amount to be paid and the transaction will be complete. But this biometric reader costs around 2000INR, but it can be done if the result is having a better payment facility.


That’s all we’ve known about the app that’s been launched today. Here’s the PlayStore Link , put your thoughts in comments.

Facebook Comments