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 Canara Bank Internet Banking

Canara Bank Internet Banking Facility is available for Retail and

Corporate customers. Customers can register for saving, Current and
OD accounts using self service option.
Pre-requisites for Self Registration
• Mobile Number must be registered with the Account Number
• Account Number must be linked with Active Debit Card
• Account should be full KYC Compliant
• Among corporate customers only proprietorship customers can
avail this self registration facility.
Registration Process for individual
• Go to Link :- [Link] and click on New registration
• It will prompt ‘Terms and Conditions’ page, click on “I Agree”.
• Enter Account Number, ATM cum Debit Card Number, Registered
Mobile Number and Enter either Customer Id or details of one of
the last five Credit/Debit transactions.
• Click on “I Accept the Terms and Conditions” and Submit “I Agree”
• User will receive One Time Password (OTP) to the registered
mobile
• Enter OTP & Re-enter OTP and submit
• The next screen will prompt for Login Password & confirm the
same by re-entring Login password. (User can set Login password
as per password policy shown in the same page).
• System will display “User Created Successfully”. Click OK
• Now the Customer can logon to [Link] with the
USER-ID (same as his customer-id) and LOGIN PASSWORD given by
the customer himself.
• After logging in for the first time, the customer can click on
“Generate Transaction Password” option present in the top line
of the Menu and can generate his transaction password for doing
financial transactions by entering his ATM card number, ATM Pin &
ATM expiry date.
Services Offered:
• View Account details-Savings/Current, Term Deposit and Loan
Accounts.
• Viewing and downloading transaction statements.
• Online Financial Transactions-Funds Transfer to own accounts/
third party accounts within Canara Bank and Inter bank accounts
through NEFT/RTGS/IMPS.
• Payment for Public Provident Fund.
• Online Tax Payments: Income tax E-Filing, TDS enquiry, View Tax
Credit Statement (Form26AS).
• Utility Bill Payment facility through, [Link]
• Bharat Bill Payment System through, [Link]
• Online shopping facility.
• Opening of Term, Recurring and Fixed Deposit.
• Mobile Banking Registration.
• Applying for shares through ASBA.
• Repayment of loan installments.
• Applying for Government Social Security Schemes.
• Cheque Book request and Stop Cheque Request.
• Debit Card Hotlisting.
• Exchange rate inquiry, Interest Rate inquiry.
• Balance Certificate Request.
• Online payment for E-Commerce transactions
• Enable/Disable financial transactions facility.
• Bill Payment through BBPS
Funds transfer Limits:
• Retail Customer: Maximum of ` 5 Lakhs for NEFT, RTGS, IMPS in a day.
• For Bill Payments: Maximum of ` 2 Lakhs
• For Corporate Customers:
NEFT and RTGS – 1 Cr. Bulk – 5 Cr.
Bill Payment – 1 Cr. Own Accounts – No Limit
Security and Safety Measures:
• SMS alerts are sent to the registered mobile number while
performing major financial and non-financial transaction like
successful logging in, adding Beneficiary, effecting funds transfer
and Amount debited, credited etc.
“Register for the Canara Bank Net Banking today and experience
banking at your fingertips”.

Canara Bank Mobile Banking

‘CanMobile’ is Mobile Banking application is available for all canara

bank customers having saving, Current and OD accounts. Android /
iPhone users can Download the app from Google play store/app
store and activate it.
Pre-requisites for Self Activation
• Mobile Number must be registered with the Account Number
• Account Number must be linked with Active Debit Card
• Android OS version must be 4.4.4 & above
• Internet Connection must be either wifi or 3G & above.
• Sufficient balance in Registered Mobile SIM to send SMS
Registration Process
• Download and install the CanMobile app from Google play
store/app store
• Click on new registration or Send SMS “CAN REG” to 9266623333
from registered mobile number.
• You will get User id and password through SMS
• After logging in the App, It will verify your registered mobile
number through OTP.
• After successful verification, it will prompt to set new six digits log
in Password (mPin)
• Enter the debit card details and ATM pin.
• It will prompt “you are registered for CanMobile successfully”
Services offered:
• Available for both Android & IOS phones
• Funds Transfer (Within Bank)
• Scan to pay (Bharat QR)
• Funds transfer to other Bank Accounts(through IMPS)
Using Beneficiary Mobile Number & MMID
Using Beneficiary Account Number & IFSC Code
Using Beneficiary Aadhar Number
• Cheque book request
• Enquiry
Balance enquiry
Mini Statement
Loan Enquiry
Term Deposit Enquiry
• M-Commerce (Mobile Top UP, DTH Recharge)
• Donations to selected trust
Funds Transfer Limits:
• Unlimited fund transfer within Canara Bank
• For fund transfer through IMPS, Maximum limit is ` 2,00,000/-
per day.

Green Pin

“Green Pin” facilitates seamless generation of Pin for the debit card
digitally, online and instantaneously, providing a delightful
experience and is one of the novel Green initiatives.
Background: Pin is printed in pre-printed stationary and is given
along with the plastic card at the time of fresh issuance to the
customer. If the customer forgets the Pin, the card has to be surren-
dered, hotlisted.
Green Pin Facility: It enables the customer to generate Debit Card
Pin at the time of fresh issuance of card. It also enables the customer
to regenerate Pin for the existing Debit Card in case the same is
forgotten. This facility is secured and cost effective & provides ease of
doing transaction. Customer can use debit card immediately since
activation is done in real time.
Pre-requisites for Green Pin Generation
• Mobile Number must be registered with the Account Number
• Account Number must be linked with Active Debit Card
Green Pin Generation Procedure
• Customer has to swipe the Debit Card at Canara Bank ATMs
• Under language selection screen, Green Pin/Forgot pin option is
to be selected
• Generate OTP menu to be selected
• Customer is prompted to enter the Registered Mobile Number
and Account Number
• After successful validation of Mobile Number, Account Number
and Card Number, OTP will be received on registered Mobile
Number
• Customer is Prompted to enter the OTP and new Pin twice.
• After OTP verification, ATM will give a successful Pin change
message on the screen and an SMS will also be sent to the
Registered Mobile Number.

Canara Cart

Canara cart is a mobile app for all Canara Bank customers. It is a

basket for genuine mobile apps of Canara Bank. Customers can
download /update genuine canara bank mobile apps using this
app. This app facilitates users to quickly launch various installed
apps, install new apps and easily manage version upgrades, all at
one place.
Registration is not required for using Canara Cart. Users can
download the app from google play store and start exploring.
Services Offered:
Following Canara Bank apps are available for download /
version upgrade.
CanMobile
Canara eInfobook
Canara Swipe
Canara empower
Canara GeoLocate
Canara mServe
 Canara eInfobook

Canara eInfobook is a mobile app for android/iphone users having

canara bank account for various banking services. It is available in
8 languages – English, Hindi, Kannada, Tamil, Malayalam, Telugu,
Marathi and Bengali.
Pre-requisites for Self Activation
• Mobile Number must be registered with the Account Number
• Available for Android and IOS Phones with internet connection
• Sufficient balance to send SMS
eInfobook Registration Process
• Download and install the eInfobook app from Google play
store/app store
• Tick Check Box “I agree to the Terms & Conditions”
• Use your 13 digit Canara Bank account number for registration
• After entering Account number, click on “Accept” to proceed
further for registration
• An SMS will be sent from your mobile, to authenticate the mobile
number with the one that is registered with the bank
• In case of dual SIM Phone, it should be ensured that the SMS
sending is defaulted to the SIM having the mobile number that is
registered with CANARA BANK.
• It will verify your registered mobile number by sending 5 digits
one Passcode.
• After successful verification, it will prompt to set new 5 digits new
Passcode and Re-enter Passcode to confirm.
• You can login eInfobook using passcode and avail the services.
Services Offered:
• Passbook (Duration : 30 days, 15 days, last 10 transactions )
• Balance Enquiry • Account Summery
• My Deposits (Term deposits: FD, RD) • My Loans
• Credit Card • Passheet Mail
• Search Transactions • Our Products
• Canara Swipe (Click and swipe left side, any of the following
option.)
1. Cheque Book Request 2. Hotlist Debit Card
3. Block Net banking 4. Hotlist Credit Card
5. Get your MMID 6. Mobile Banking Registration
7. PMJJBY/PMSBY Status 8. Car Loan Enquiry
9. Home Loan Enquiry 10. HNI-Home Loan Enquiry
11. NRI-Home Loan Enquiry 12. CanNUUP
 Canara mServe

Canara mServe is a mobile app enables the customers to temporarily

block/unblock & hotlist Credit/Debit cards instantly without having
the need to walk into a Branch. It helps to prevent instances of
misuse. Andriod/iPhone users can download from Google Play
Store/App Store.
Pre-requisites for Canara mServe installation
• Mobile Number must be registered with the Account Number
• Mobile number in debit card & credit card package should
be same.
• Account Number must to be linked with Active Debit Card
• Sufficient balance should be in your registered mobile SIM.
• Sufficient memory space in Mobile phone
Canara mServe installation Procedure
• Download Canara mServe app from google play store/ app store.
• Enter your 13 digit canara bank account number and registered
mobile number in the application and click on “Register”.
• An SMS will be sent to the bank from your registered mobile
number.
• You will receive OTP sent to registered mobile number.
• Enter the OTP and click on verify “OTP”.
• After authentication, set new five digit pin and confirm the same
by re-entering the pin.
Services offered:
Switch On/Off Debit/Credit Card: User can switch off the card
temporarily if he/she feels it has been compromised and turn it on
when need arises. Swipe left on the option to switch on the card and
right to switch off the card.
Hotlist Debit/Credit Card: In case of theft or a lost card, users can
hotlist the card instantly. Swipe right on the option > block the card
permanently.
POS/ATM Limit: POS/ATM limit can be set within Bank limit for debit

Canara GeoLocate

Canara GeoLocate is a mobile app that enables a GPS based

search to locate Bank’s ATMs/Branches/E-Lounges. It also helps
the customers to easily navigate and to reach the desired location
using Google map.
Registration Process:
• Download/Install Canara Geo Locate from Google play/app store.
• After installing, click on “open” to use Canara Geo Locate.
Services Offered:
• Real time GPS navigation using Google map.
• Easily Locate the branches/ATMs in near vicinity.
• Know the Branch/ATM address of the Bank.

Canara Bank Debit Card

CANARA BANK DEBIT CARD is issued to all eligible account holders

upon their request. Canara Bank Debit Card facilitates withdrawal of
cash at ATMs and payments for Purchases at Point of Sale & on the
Internet. Customer can also avail more than one card, depending
upon the need.
Note: Initially all Debit Cards are not enabled for Global usage, to
prevent fraudulent attempts. Cards holders to furnish specific
request to branch to enable global usage as and when required. On
return from abroad, same may please be got blocked by informing
the branch.
Variants of Canara Bank Debit card
Classic/Standard Debit card Platinum Debit Card
Campus Debit Card Kisan Card
Junior Debit Card Business Debit Card
Features
• Eligibility: Saving, Current and OD accounts
• Acceptance: Domestic (within India) usage and Global usage
• Affiliation: Visa/Master/RuPay Cards
• Cash withdraw per day limit at ATM: ` 50,000 For Platinum Debit
Card and ` 40,000 for Classic/Standard Canara Debit Cards in our bank
ATM. In other bank ATM, Limits as per respective bank’s policy.
• Transaction limit on Point of Sale per day: ` 2,00,000 for
Platinum Debit Card and ` 1,00,000 for Classic/Standard Canara
Debit Cards
• Free ATM Transactions : 3 transactions for metros (Mumbai, New
Delhi, Chennai, Kolkata, Bengaluru & Hydrabad) and 5 transactions
for other centres.
• Charges for ATM transactions beyond free transactions : ` 20/-
+ GST for financial and ` 10/- + GST for non- financial Transactions
• Real time debit to account
• Annual Charges: Debit Card fee ` 100 + applicable taxes annually.
• Card Inactivity Fee: ` 500 in case of Platinum Debit Cards if not
used for a minimum purchase transaction of ` 50000/- p.a OR
Minimum average annual balance of ` 50000/- is not maintained.
• Photo & Non-photo cards available depending on the variant.
• Use Canara mServe App to temporarily switch on/off and hotlist
(if lost) the debit or credit cards.
Benefits :
Activation offers
Complimentary Concierge Services
Complimentary Airport Lounge Access (RuPay Platinum and
Master Platinum Card)
Insurance cover (Only for Platinum & Business debit cards and
all variants of RuPay Cards )
Other ongoing offers across various categories like Shopping,
Travel, Gifting, Food & Dining, Jewellery, Movies, Beauty &
Wellness as offered by network associations.
Terms & conditions apply
Hotlisting of Canara Bank Debit cards: In the unfortunate event of
the Card being misplaced or lost, the Cardholder is requested to call
the following Toll Free number 1800 425 0018 available 24X7 for
hotlisting the Debit Card.
Hotlisting of Canara Bank Debit Card can also be done by sending
SMS to 9266623333 from your Registered Mobile No. as under:
CAN <space> HOTLISTDC <space> CARD NUMBER (16 digits)

Canara Bank Credit Card

CANARA BANK CREDIT CARD is issued to all eligible account holders upon
their request. Canara Bank Credit Card facilitates withdrawal of cash at ATMs
and payments for Purchases at Point of Sale and on the Internet.
Variants of Canara Bank Credit card
Classic/Standard Credit Card Gold Credit Card
Corporate Credit Card World Credit Card (MasterCard)
Secured Credit Card
Features
• Eligibility : Gross income ` 1.00 lac for Classic, ` 2.00 Lac for Gold Credit
Card and Net annual income of 7.5 lac for Canara World Credit Card.
• Acceptance : Domestic (within India) usage and Global usage
• Affiliation : Visa / MasterCard / RuPay
• Credit Limit : ` 10,000 to ` 3.00 Lacs for Classic/Standard, ` 50,000 to
` 25 lacs for Gold Credit card, ` 1 lac to 25 lacs for Canara World Credit
Card and for corporate cards, limit is in multiples of ` 5000/- subject to
a minimum limit of ` 50000 to ` 100 lacs.
• Fee/Charges:

Card Variants *Classic/ *Gold Corporate World

Standard
Enrolment Fee Free Free 250/- 2000/-
Annual Fee Free Free 400/- Free
Inactivity Fee 400/- 750/- 1000/-
(if not used (12000/- (25000/- Free (50000/-
for minimum p.a.) p.a.) p.a.)
amount)
*Inactivity fee is waived for Classic/Standard & Gold Credit Cards upto 31.03.2020
• Free Credit period : 20-50 days
• Revolving Facility : Pay a minimum of 5% of due bill subject to
minimum amount ` 100/- and settle the balance in coming month
but attracts service charge of 2.5% p.m. on the balance outstanding.
• Cash withdrawal limit per billing cycle : 50% of the card limit
subject to maximum ` 50,000. For corporate cards, cash
withdrawal limit is upto 50% of credit card limit subject to ` 5 lacs &
for add on card, maximum cash withdrawal limit is ` 25000/- per
card.
• EMV CHIP PIN based cards for higher security
• Add on cards : Upto four add on cards to immediate family members
and Upto 99 add on cards in case of corporate credit card.
• International ATM Access
• Complimentary accidental death insurance cover for self and
spouse
• Health insurance cover at concessional premium without
pre-medical check up.
• Cash advance facility through any Canara Bank ATMs.
• Rewards Points: Two rewards points for every purchase transaction
including E-commerce transaction of ` 100. One point is equal to
` 0.25. Option for Encashment of Reward Points is available
• Photo & Non-photo cards available depending on the variant.
• Use Canara mServe App to temporarily switch on/off and hotlist
(if lost) the debit or credit cards.
• Use Canara Credit Card self service app to manage credit card.
• Accidental Insurance Cover:
Air Accident ` 8.00 Lacs for Self
` 4.00 Lacs for Spouse
Other than Air Accident ` 4.00 Lacs for self
` 2.00 Lacs for spouse
Terms & conditions apply
Hotlisting of Canara Bank Credit Cards: In the unfortunate event of
the Card being misplaced or lost, the Cardholder is requested to call
the following Toll Free number 1800 425 0018 available 24X7 for
hotlisting the Credit Card.
Hotlisting of Canara Bank Credit Card can also be done by sending
SMS to 9266623333 from your Registered Mobile No. as under:
CAN <space> HOTLISTCC <space> CARD NUMBER (16 digits) <space>
Date of birth(yyyymmdd)
 Canara International Travel
Prepaid Card
CANARA INTERNATIONAL TRAVEL PREPAID CARD is designed
exclusively for customers who travel outside India. It is a unique
product with multiple currencies loaded on the same card.
Eligibility: Saving, Current and OD accounts
Documents Required for Canara International Travel Prepaid
Card:
• Application for Canara International Travel Prepaid card
• Copy of first & last pages of Passport
• Revised Form A2
• Proof of residence if address is different from that appearing on
passport / in the account with us
• Travel documents
• Copy of PAN (As per Cir. FX/75/2015, Dt. 10.08.2015)
Type of Card: Non - personalized EMV CHIP card with PIN/Signature
Type of Currencies: Up to seven following currencies can be loaded
in the same card (6 currencies at a time are permissible):
• United States Dollar (USD) • EURO (EUR)
• Pound sterling (GBP) • Canadian Dollar(CAD)
• Australian Dollar (AUD) • Singapore Dollar(SGD)
• Arab Emirates Dirham(AED)
Card Validity: 5 years with Re-loadable options
Countries Accepted: Since card is forex card for foreign travelers, it
cannot be used in India, Nepal, Bhutan, North Korea, Cuba & Iran.
There may be addition/deletion to this list of exempted countries as
per the directive of RBI.
Card Usage Abroad: Travel Card can be used for POS, Online
Payment, Online Shopping and ATM Withdrawal at foreign locations.
Backup Card Facility: In case of card loss or damage customer will
have the option of blocking the primary card and activation
additional card. The same can be done on self care portal by the
customer also.
Charges: No Swiping Charges
Initial Card Sale Charges: ` 200 + GST
Reload Fee: ` 50 + GST
Encashment Charges: `100 +GST
Cross currency Mark up fee: 3%
Hotlisting of Canara International Travel Prepaid Card: In the
unfortunate event of the Card being misplaced or lost, the Cardholder
is requested to Log on to ‘Canara Travel pre-paid Card’ web
portal available in our Bank’s website [Link] and
hot list the card OR Send an email to travelcard@[Link];
travelcardsupport@[Link] OR Call the following Toll Free
number available 24/7 for hot listing the Travel Card.
 Canara Prepaid Card

Prepaid Card is another variant of plastic money which facilitates

purchase of goods / services and Cash Withdrawal through ATMs.
• It holds stored value paid by card holder upfront through transfer
from his regular bank account.
• All payments using the card will be from amount available in the
card.
• Prepaid card limits the exposure to risks of fraudulent usage up to
extent of amount loaded in the card
Variants of Canara Bank Prepaid Card
• Canara Prepaid Classic Cards
• Canara Prepaid Plus Cards
• Canara Gift Cards
Eligibility:
• Should be a SB/CA/OD Account holder
• Individuals and Corporate / Institutions / Government
Department / Other Organization for issue of cards to employees /
beneficiary
• Registration of Mobile Number by Purchaser and furnishing of
Beneficiary details including mobile number is mandatory.
Features:
• Three different variants (Classic/Plus/Gift) to suit your need –
Individuals / Corporates
• Card to Card Funds transfer, ATM/POS cash withdrawal facility
• Amount Load / Reload permitted (Classic/Plus)
• Purchase/Refund facility through SB/CA/OD account
• Lost Card liability protection (T&C apply)
• ATM/POS Transactions are secured by PIN authentication
• Internet transactions are secured by OTP authentication
Benefits:
• An easy alternatives to cash, for performing day to day small value
payments transaction
• Safe, Secure and convenient payment method for usage at ATM /
POS / Internet
• Cardholders can track/control their spending as a budget tool and
monitor expenditure
• Gifting needs/ Payroll of workers and employees / Student for
receiving scholarships/ Direct Benefit Transfer to receive
Government benefits/ Employee Benefit Transfer for Corporate
employees
• Safer than carrying cash
• Reduces risk against fraud by keeping balance to minimum in
prepaid card
• Convenience of Load/Reload of amount as and when required for
usage
Initial Load/Reload Limit & Charges Applicable:

Prepaid
Prepaid Plus
Classic Canara Gift card
Card
Card
Load/Reload
Minimum
Nil ` 100 ` 500
Amount
Maximum ` 10,000
` 10,000 ` 50,000
Amount (Not Reloadable)
In Multiples of `1 `1 `1
Charges
Issue Charges ` 50 + GST ` 100 + GST ` 50 + GST
First Time Load
` 20 + GST ` 20 + GST ` 20 + GST
Charges
Reload Charges ` 20 + GST ` 20 + GST (Not Reloadable)
Hotlisting
` 50 + GST ` 50 + GST ` 50 + GST
Charges

Canara Bharat QR

Bharat QR Code is launched by Government of India for faster and

secured transactions. It can be used for making payments to
merchants by scanning QR code.
• No Physical PoS machine required
• Scan & Pay
• QR code used for payment to bank account of merchants
Requirements for Merchants:
1. Current Account or Savings Account with Canara bank.
2. Android Phone for viewing transaction details.
How Merchant gets enrolled for Bharat QR:
• Fill Bharat QR Application with required Documents and
submit in nearby branch
• Merchant receives Bharat QR Code within 4-7 working days
• Merchant has to download Canara Bharat QR App for
generating Bharat QR Codes and for viewing the transaction
history
How to make Payment :
• Download your bank’s Mobile Banking App
• Select the ‘Bharat QR Scan to Pay’ option and scan QR Code
• Upon Scanning, Merchant name and Debit card details linked
to particular account will Pop Up
• Select the card number and enter the amount payable to
merchant
• Once the payment option is clicked by the customer,
merchant’s account gets credited next working day.
Benefits of Bharat QR to Merchants:
• No hassle of batch closing at EOD like in PoS machine
• Payment is settled in T +1 day i.e. next day from transaction
made
• Merchants can generate as many number of QR Codes as
required free of cost
• Cost of acquiring Bharat QR and MDR (Merchant Discount
Rates) charges are cheaper.
• No limit on amount transacted using QR
• Last six months transaction history can be viewed in Mobile
App
Merchant Discount Rate:
• There is no transaction charges for transaction value upto
` 2000/-
• MDR charges for transaction value more than ` 2000/- is as
following:
0.3% (subject to maximum ` 200/-) for merchants having
turnover upto ` 20 lakhs during the previous financial year
0.8% (subject to maximum ` 1000/-) for merchants having
turnover above ` 20 lakhs during the previous financial year

BHIM Aadhaar POS

BHIM Aadhaar POS (also termed as BHIM Aadhaar Pay), an

Aadhaar based Payment Solution for Merchants, used for accepting
payments from customers for the goods/services rendered.
Requirements for Merchants:
1. Current Account or Savings Account with Canara bank.
2 Android Phone with version 5.2 & above and internet connection
with either Wi-Fi or 3G network & above is mandatory.
3 Biometric Fingerprint device
Merchant Self Registration:
Pre-Registration:
Merchant has to download and install three apps from Play Store
1. BHIM Aadhaar Pay Canara-Bank App
a. Click on “SIGN UP” option available on the login screen.
b. Enter merchant details like Aadhaar Number, Merchant Type
(Individual), Merchant Name, Mobile number etc.
c. Click on Register. It will display status of Registration “Success/
Failure”.
2. Mantra RD Service App
a. This app will run in background and no additional action needs
to be performed by merchant for this application.
3. Mantra Management Client App
a. Connect the mobile with fingerprint scanner device via USB.
b. Click on ‘Register’, wait till the time you get device serial
number displayed on the screen.
c. Application prompts for conversion from Public to Registered
Device. Press “OK”
d. Message prompt is displayed indicating the “Success /Failure”
of the Registration Status.
e. Kindly remove the USB connectivity from the Mobile Handset
and connect again for the RD Registration changes to reflect.
Post-Registration:
1. Merchant has to visit Canara Bank Branch and submit an
Application form and execute Letter of Undertaking (LoU).
2. Branch has to authorize the Merchant details in BHIM Aadhaar
PoS Portal.
3. After Branch authorization, Merchant has to connect
fingerprint scanner to the mobile handset via USB.
4. Open BHIM Aadhaar Pay app and click on “BIOMETRIC SIGN IN”
or login using User Id and Password.
5. Enter Merchant’s Account number, Aadhaar number & Mobile
number and authenticate using Fingerprint device when
prompted. (this process occurs only on first login or whenever
handset is changed)
6. After successful authentication of details, Merchant can start
accepting payments.
How to Receive Payment :
• Merchant has to connect Mobile phone with Biometric Fingerprint
device
• Log into BHIM Aadhaar PoS app and select the option ‘Aadhaar Pay’.
• Enter customer’s 12 digit Aadhaar number
• Select customer’s bank from drop down option
• Enter customer’s mobile number and amount to be paid.
• Customer has to authenticate the transaction using his/her
fingerprint through Biometric scanner attached to Merchant’s
Mobile
• Once the transaction is authenticated, Amount gets credited
instantly to merchant’s account.
Benefits of BHIM Aadhaar PoS to Merchants
• Most secured and fraudulent free
• No MDR (Merchant Discount rate) Charges*
• Real time settlement
• Merchant can earn up to ` 2000/- per month as an incentive
@0.25% per transaction*.
• The cost of acquiring Biometric device (Fingerprint Scanner) is
very nominal
• Merchants can accept Payments upto ` 50,000/- per day subject to
a maximum ` 2,00,000/- per week.

BHIM (Bharat Interface For Money)

BHIM is a payment app that lets you make simple, easy and quick
transactions using Unified Payments Interface (UPI).
• Send/Request money using Mobile number, VPA, Account
Number + IFSC, QR code and Aadhaar number
• Balance Enquiry
• Select any bank account as default account to make or receive
payment
• Manage Bank accounts and track transactions
• More than one VPAs can be created and multiple banks can be
linked
Pre-requisites for Self Activation
1. Current Account or Savings Account with Canara bank.
2. Mobile number must be linked to Bank Account
3. Bank Account must be linked to valid debit card
4. Android or IOS Smartphone with Internet Connection either wifi
or 3G network & above.
Registration Process
• Android/IOS users can Download Bhim App from Google play
store/app store by searching ‘BHIM’
• Install the application and choose your language.
• The app will prompt you to verify your mobile number using SMS.
Select the registered mobile SIM (if using dual SIM phone). Click on
Next and wait for the verification process to be completed.
• Once the verification is completed, input a four digit passcode
(password for future Login in BHIM app)
• After passcode is set, the app will ask you to select your bank.
• Select your bank and enter last 6 digits of debit card number and
enter expiry date. You will receive One Time Password (OTP)
• Enter OTP and Set 6 digits UPI PIN (financial or Non-financial
transaction password)
• You are ready to do transactions (Financial and non-Financial
both)
How to Enroll as a merchant
• For enrolling as a merchant, click on right top corner menu option
available on home screen
• Select “I Am A Merchant” option and enter merchant details
• Click on proceed, you will be enrolled as a Merchant.
Benefits
• Available in multiple languages
• User friendly
• No transaction charges
• Real time payment (24X7)
• Referral incentive scheme and transaction
Transaction limit ` 20,000/- per transaction subject to
maximum ` 40,000/- per day

USSD (Unstructured Supplementary

Service Data)

USSD (Unstructured Supplementary Service Data) is a technology

normally used in the field of telecommunication. It is available on all
GSM enabled handsets. You do not need an internet connection to
use the services of this method
Pre-requisites for Self Activation:
• Mobile Number must be registered with the Account Number
• Account Number must to be linked with Active Debit Card
• Available for GSM mobile handsets (Except CDMA)
• Sufficient balance to send SMS
• The Mobile banking service should be enabled in your account. If
it is not enabled, visit your branch to register yourself for mobile
banking.
Services Offered:
• Balance Enquiry
• Mini Statement
• Fund Transfer Using IFSC + Account Number, MMID + Mobile
number, VPA, Mobile number
• Set/Change UPI Pin
Step by Step guide:
• Dial *99# with your registered number and wait for 3-5 seconds
• You will see following options for its services
1. Send Money 2. Request Money
3. Check Balance 4. My Profile
5. Pending Request 6. Transactions
7. UPI Pin
• Press Option 1 for sending money through following modes
1. Send Money Using Mobile Number & MMID
2. Send Money Using Virtual Payment Address
3. Send Money to saved Beneficiary
4. Send Money Using IFSC and Account Number
• Press Option 2 to request money
User can also request money from other user by entering his/her
Mobile No. or VPA address (Virtual Payment Address)
• Press Option 3 to Check Balance
User can check balance by entering his/her UPI ID
• Press Option 4 to see and manage your profile having following
services
1. Change Bank Account
2. Change Language –>English, Hindi
3. My Details –> Name, VPA, Account Linked, UPI Pin Status
4. Payment Address –> user can change virtual Payment Address
5. Manage Beneficiary -> Add, Delete and View Beneficiaries
6. I am a Merchant -> Merchant Enrollment
• Press Option 5 to see all the pending request transactions made
by the user
• Press Option 6 to see all the Inward and Outward list of
transactions.
• Press Option 7 to set/ reset UPI Pin if you forget it. You can change
UPI PIN also.
Charges and Transaction limit for USSD Payment
• ` 1.50 per transaction
• Transaction limit ` 5000/- per transaction per day

POS (POINT OF SALE)

POS Machine can be used for making payments to merchants instantly

by using Debit/Credit Card (VISA/MasterCard/RuPay) of any Bank.
• It can be wired or Wireless as per Customer’s choice
• Most safe, Secure and Convenient method of settling payments
• Very cost effective mode of transaction
Requirements for Merchants:
• Current Account with Canara bank
• Canara Saving Account (only in case of Petty Traders, Educational
Institutions, Hospitals/Trusts/Govt. accounts )
• PSTN phone connectivity for wired PoS and Wifi / internet
Connectivity for wireless PoS
• Satisfactory CIBIL Rating
• Full KYC compliance
• Trading License/Municipal License
• GST Number (Declaration regarding business turnover in last financial
year in case GST is not available.)
How to enrol for PoS:
• Fill PoS Application with required Documents and submit in nearby
branch
• Merchant receives PoS within 2-5 working days from sanctioned date
• Execute PoS agreement on enrolment.
Benefits :
• Merchant can carry on day to day transactions.
• Debit, Credit and Prepaid Cards (VISA/MasterCard/RuPay) of any bank
can be swiped
• Merchant has to close the batch at day end on daily basis
• Transaction amount will be settled to Merchant on T+1 Day for every
settlement done by merchant.
• Safe, secure and easiest way to make payment
• Upon successful transaction, transaction slip is generated.
• Merchants will receive statement on the same day of each settlement
Rental Charges:
Wired PoS – ` 400 + GST
Wireless PoS – ` 500 + GST
Merchant Discount Rate For Debit Cards:
• There is no transaction charges for transaction value upto ` 2000/-
• MDR charges for transaction value more than ` 2000/- is as following:
• 0.4% + GST (subject to maximum ` 200/-) for merchants having
turnover upto ` 20 lakhs during the previous financial year
• 0.9% + GST (subject to maximum ` 1000/-) for merchants having
turnover above ` 20 lakhs during the previous financial year
For Credit Cards:
• MDR charges are levied @1.75% + GST on the total transaction value.
CUSTOMER AWARENESS/SECURITY FEATURES
ON DIGITAL BANKING TRANSACTIONS
• Do not disclose your ATM Debit Card/Credit Card Number/
PIN/CVV/OTP to any person.
• Do not share your Internet Banking User Id/ Password/OTP.
• Do not keep Pin/Password along with the ATM Debit
Card/Credit Card – memorize it.
• Never respond to e-mail/sms/telephone calls seeking User
Id/Passwords/PIN/CVV/Card Numbers/Account Numbers
etc for any reasons like verification/ updation /renewal/
lotteries / gifts etc.

For further details:

Contact our customer care service on
1800 425 0018
or
Your nearest Canara Bank Branch

Digital Banking Services Wing, Head Office,

14, Naveen Complex, M.G. Road, Bengaluru-560 001
Website: [Link]