Headoffice CRN 13 /2022-23
Digital Banking
Department
10,BTMsarani,6thFloor,
ufflK Circular No:
(GOVT. OF INDIA UNDERTAKING) CHO/DBD/ 13 /2022-23
Kolkata -700001 HONOURS YOUR TRUST Dated: 09.11.2022
To AII Branches/Offices in India
GIST & ACTION POINT
a Digital Merchant on-boarding.
¢ USPs&What's New?
•+ Rates& Charges
a Grievance channels.
¢ Expectation of Bank.
Sub: "UCO Bank Merchant" with QR Kit/Sound Box: Diaital Merchant On-boardina
with End-to-End Payment Solution (Powered by Getepay).
Promotion of Digital Payment System has been paramount over the past few years
with innovative steps by the Government towards its Digital India initiative. With the
advancement of Data Connectivity at cheaper rate and its usage, Digitcil Payments
system has reached into the far flung areas of the Nation as well.
> Ministry of Electronics & Information Technology (MeitY), Govi. of India allots
merchant on-boarding Target to Bank every Financial Year. Currently, Bank has
been allotted a target of 1,11,693 merchant on-boarding for FY 2022-23.
> ln line with the vision of Hon'ble Prime Minister of India, Indian Banks' Association
(IBA) has advised the Bank to share its strategy to on-board small merchants/
traders doing 100% Digital Transactions.
> Convenience of Digital Payments has resulted in the demand of Digital Payment
Acceptance system by merchants. This digital boom in Payment Systems has
opened up a huge space for the Bank to expand its base into the Merchant
Acquiring business and Customer acquisition as well.
> Keeping the above in view, Bank has partnered with Getepay for providing Digital
Payment Acceptance Solution through website/ mobile App, cuslomizable as per
S "UCO Bank Merchant" ciDD: Diaital Solution for Merchants:
The "UCO Bank Merchant" app is available in Google Play-store for easy
downloading and registration of merchants to a Complete Digital Payment
Collection Solution.
What the Solution Offers??
Scan order and Pay
Digital Store Mobile App
Instant
Payment Links
Features of © Getepay CRM
a
Payment Invoice
UPI Mandate
Payout Pro Integrated
Payment Gateway
Sales Khata
©
Online/ Offline Billing Solution
Subscription/Recurring payments
Powered By:- a?#
ffu?the
¢ Merchant Cateaorv:
This solution is designed to cater to the digital payment needs of multiple categories
of merchant/business like:
/ Grocery/ Kirana Stores.
/ Retailers & Wholesalers.
/ Education Institutes.
/ Housing Societies.
/ Ticketing System in Monuments/ Amusement parks/ zoo etc.
/ Fashion/Electronic Stores.
/ Food Delivery.
/ Travel Agents.
/ Hotel/ Restaurant.
/ Sports & Fitness.
/ Service Industry.
/ Home & Kitchen.
/ Donations and many more.
UCO Bank, Digital Banking Deparlmen.. Head Once+2 ,3&4 DD BIock. Sector-I, Salllake, Kolkata -700064
Phone no:033-44S58044, E-mail: ho.d igital®ucoha nki:o.in
Follow UC0 Bank onTwitter:UC0Bankofficial; Facebool(:Offi rial I lcoBank. Instagram::Official.ucohan k; Linkedln:UCO BAt\l K; Yoi| Tube.I lm 13ank offirizl
Page 2 of 9
With this initiative, Bank brings an end to end E-commerce solution which enables
different segments of merchants whether small or big to manage their e-commerce
transactions along with website, payments, payouts and other day to day
operaliona[ activity of their business.
> Merchants can get their own branded Mobile app and website with pre-
integrated payment platform enabled with multiple payment modes.
> Bank will provide a single dashboard on the web as well as merchant Mobile app
for viewing the transactions and settlements through single window.
> The solution is empowered with easy to use integration kits which will help the
merchants to integrate the payment platform easily. (for merchants already
having its own website/mobile app)
¢ Uniaue Sellina Proposition fuspl:
> Non-UCO Bank Account Holder may be on-boarded on this platform. This helps
to initiate a relationship with a prospective customer.
> Pre~actl.voted QR Code standee (Best in its class).
> Multiple payment modes (Credit or Debit Card/Net Banking/Upl lD/ Upl-
QR/NEFT/RTGSMrfual QR).
> Voice enabled App Notification (Multilingual).
> Sound-box notl.fication.
> Create website/ App within Minutes with pre-designed Templates.
> Maintain "Sales-Khata" for business.
> Multiple userManagement.
> Agent based collection Mechanism.
> Regional Language based app with self®nboarding feature.
> Customized greeting for customers.
> Coupon/Subscription Management.
> Admin Module/ Dashboard for Reports.
What's New??
•:. QR Kit:
> QR Code Standees will be made available at the Prospective Branches on
demand for Instant Delivery of QR Code Kit after linking with Merchant lD (MID).
> Merchant can also generate/ order for QR Kit as per their need through the App.
> Multiple QR Code Standees can be linked with same account (useful in case o`ft`;-pT=
multiple Merchant outlets) . I,c".``ee
UCO Ban k, Digital Ban king Dei)artment, I]cad Office-2 ,3&4 DD Block, Seclor-I, Salthke, Kolliata -700064
Phone Ilo:03344558044, E-mail: ho.digilalG\ucobank..co.in
FouowucoBankon"urucohankomcia„acebookorfu"cohank~~youThlucohanko#:l;\;:i;
¢ Sound-box Voice Notifications in Reaional Lanauaae:
> QR Code printed Pre-Integrated Speakers.
> Wireless (with chargeable battery)/ SIM Card based (No need of wifi).
> Highly beneficial for Semi urban & Rural areas.
> Merchants get instant voice notifications for successful payments.
> Gradually the voice notifications will be introduced in more Regional Languages.
S Diaital Store:
> Create own Website/ App within minutes. (save Website/App development Cost)
> Select from pre-designed templates/ product picture.
> Upload real Product Picture & Set Price.
> Add coupons/discounts.
¢ Sales Khata Feature:
> Manage Credit & Debit Sales entries.
> Keep Track of Payments.
> Send Payment Links & reminders.
> Send QR Code to receive payment.
> Payment Reports.
> Sales details and many more features.
¢ SubscriDtion Manaaement:
> Create different Subscription Plan.
> LI.st services.
> Manage Price & Duration of services.
> Auto Pay facility.
> Subscription expiry date.
> Set Renewal Reminders, and many more feafures.
¢ MultiDle User facility:
> Assign user to sales persons/ counter.
> Sales persons can use the same app to receive the payments into same account.
> Merchant (main user) will get User Wse payment details & Reports at one place.
•? EmDlovee Manaaement:
> Add existing Employee Details.
> Add employee and get real time update.
> Salary management.
> Attendance.
> Field Sales Tracking.
UCO Banlt Digital Ban king Departmenl, IIcad OmceL2 J&4 DD BIoclL Sector-I, Salllake, Kolkata -700064
Phoiie no:03344558044, E-mail: ho.diritol®ucobanlLco.in
Fouow UCO Bank onTwltter:UCOBankofficial: Facebook;Ofriclal UcoBank: Instagram::Omc!al.ucobank: Linkedln:UCO BANK: You Tube.UC0 Bank officlal
Page 4 of 9
¢ Customer RelationshiD Manaaement fcRM1/ Coupon Manaaement:
> Create & Share Discount Coupons.
> Run Birthday & Anniversary Offers.
> Share Customieed Festival Greetings.
> Send E{ard with one click.
¢ Channels for Merchant On-Boardina:
1. Self-Onboarding by Merchant: A merchant can safely on-board itself by signup
option provided in the "UCO Bank Merchant" mobile app.
> Easy online paperless pl.ocess.
> Business Documents and Merchant KYC need to be uploaded.
> Instant PAN Verification.
> Bank account verification with "penny-drop" transaction.
> E-Signature.
2. On-boarding by Branch staff: Standard Operating Process (SOP) Enclosed.
•:. Know Your customer
> For UCO Bank Customers:
/ For merchants with aadhaar linked mobile number: E-KYC facility is available.
/ For Merchants without an aadhaar linked mobile number: Document upload
(Business Document/ Aadhaar/ Merchant Agreement) facility is available.
> For Non-UCO Bank Customers:
/ Signed KYC Form along with the KYC documents.
/ Copy of Bank Passbook/ Statement.
/ Merchant Agreement. (Enclosed)
The above required documents must be received before initiating the
onboarding process.
¢ Rates & Charaes:
1. Platform/ADD charaes /without QR Code Printed standeel:
Rs.45/-plus GST per Merchant lD per month.
UCO Baiil. Digital Banl¢;ng Departmeill. IIcatl Office-2 ,3&4 DD BIoclb Secto+I, Saltlake. Kolkala -700064
Phol]e no:03344SS8044, E-mail: [email protected]
Follow/ UC0 Bank onTwitter:UC0Bankomcral; Facebook:Officlal UCOBank:; lnstagram:Omcial.ucobank; I.Inkedln:UCO BAN[(: You Tube:UCO Bank Offlcral
Page 5 of 9
2. QR Code printed standee:
One Time charge: Rs.105/-plus GST per kit.
UCO Bank Merchant Platform Charges: Rs.45/-plus GST per Merchant lD per
month.
3. QR Code intearated sound Box:
One time Monthly Charges
Plan Type Ownership
Chcirges (for SIM maintenance)
Merchant(sound-boxbecomes the
Rs.105/- per month plusGST(First3monthsfree)
Plan A Rs.1500/-plus
GST property of themerchant)
Bank(Merchanthas to return
Plan a(Rentalmodel)
Rs.500/- plus Rs.105/-per month plus
GST the sound box in case ofsurrender/deactivation) GST
Merchants opting for the QR Code-Sound Box will be offered the App Free of Cost.
Thus, Rs.105/-+ GST per month for Sound Box + UCO Bank Merchant App.
4. Link based Payment Charaes to Merchants: Annexure-1 (Enclosed)
¢ Recovery of charaes:
> For Charges (Point 1 to 3): Charges will be recovered centrally at Head Office
level.
> For Charges (Point 4): The charges will be deducted from the merchant
settlement amount before crediting to merchant account.
¢ Settlement cycle:
ife For UPI QR transaction:
Upl transaction details will be visible in the UCO Bank Merchant App but the
amount will be credited to merchant's account on cumulative basis in the below
mentioned cycles:
•u€ng`gz;
> 2nd Cycle: For transaction done between 3:00 pin to 12:00 am the settlement is
done by 9:30 am next day morning.
> 3rd Cycle: Bank is exploring the possibilities to settle the amount more often to the
merchant account.
Cycle based setllemenl of cumulative amount to merchanl's acc:ount avoid multiple
c:redit entries and excess transaction charges, if any.
± Pavment Gateway /link based) transactions like Credit/ Debit Card. UPI. Net
Bankina. wallet:
> T+1 Cycle:
For transaction done on T Day the settlement is processed on T+1 working day
between 11.30 am lo 5.30 pin in multiple cycles basis funds received from the
payer's Bank.
¢ Escalation Matrix for Branches fMerchanl On-Boardinal:
Level Contact Number Email
7300003590c/]TI##RiufjR.Cfl7gR,IfjR;]6
Getepay
1
Merchant on-boarding Team
[email protected] Getepay Mr. Pradeep Garg
2
Operations Team 7300003588
033-4455-73113/7846|7865
3 Bank Team [email protected]
> Branches should place the order for Printed QR Code Kit to Zonal Office.
> Zonal Office will send the Indent to Head Office Digital Banking Department by
email to [email protected] in the below format:
Branch Postal Name & Mobile Number ol:
Zone Branch Branch
Address Number of Branch QR Kit to be
Name SOL ID Name
(in detail) Contact Person ordered
£il]g De|)a
UCO Bank. Digital Bankll]g De|)a rlment,
rlment, Head
Head Once-2
Once-2 ,3&4
,3&4 DI)
DI) Block,
Blocl. Sector-I, Solthke,
Soltlake,Kolkaca
Kolkaca-700064
-700064
Phone no:03344558044, E-mail: ho.d irilal®ucobanl{.co.in
I-''^mLallir^hi_L.__^caL_, __ .,.,... „~..`„, .. _ . . ___ . __I `.`,\.`ap¥
FollowUCOBankonTwltter.UcoBankofficjal:Facebook:qmcialUCOBank.:Instagram:Official.ucobank+,Li±UCOBANK:youTube:ueoBankomcial'l'f:
Page 7 Of-9^
Please Note:
> QR Kit will be delivered to Zonal Office.
> Bank is in the process to come up with @ucobank handle QR Code kit in due
course.
> Currently, the QR Code Kit will be available with VPA of @ other handles.
> However, there will be no operational hindrances to the merchant for the above.
•:. Escalation Matrix for Merchants (Complaint Resolution/ Support):
Level Contact Designation Number Email
1 Help Desk Supporf Desk 8905985481,9773310374
[email protected]
Mr. RohitAgarwal SupportManager
2 9773338601
a Online Grievance Ticket aeneration:
Merchants can directly raise a ticket feature available on the Contact Us page of the
App & website www.getepay.in.
¢ Exoectation of Bank:
Stepping in to the Digital Merchant self-Onboarding facility with QR Code Kit/ Sound
Box & End-lo-End Payment Solution, Bank has taken a remarkable leap towards
upgrading its Digital payment offerings for merchants.
•:. At present, UCO Bank merchant app is available in English plus 09 regional
Languages. More languages will be introduced in due course.
•:. Voice Notifications in Regional Language is in process of integration.
The above features are unique in the industry and provide the Bank with an
opportunity to bring the local merchants into the UCO Bank Merchant platform.
With a vision to achieve Bank's Merchant onboarding target for FY 2022-23, each
Branch must onboard minimum 200 Merchants on UCO Bank merchant App byL_1[i!,
It is expected that with the whole hearted contribution of all UCOites at all Levels
Bank will be able to onboard existing and new customers (merchants) irrespective of
their size, type and nature of business on UCO Bank Merchant platform.
Let's join hands to make the Nation Go Digital..
�
(Saroj ak)
General Manager
Digital Banking Department
Enclosed:
1. Payment Gateway/ Link based payment Charges to Merchants.
2. Standard Operating Procedure (SOP) for Merchant on-boarding by
Branch employee & SOP for merchant for self on-boarding on UCO Bank Merchant.
3. UCO Bank Merchant powered by GetePay Agreement.
4. Video & Merchant On-boarding link for Branches: Click
https://ucobank.myqetepay.com/ (internet link)
5. One Pager for QR Code Sound Box.
6. UCO Bank Merchant Features.
********************************************
�¼.ii.®riiffim M
fch1rrr ,vur-r "ifiTQ'ffill- � .� lfa ll iiiffiTui.
<iiITTf>, �&'II
UCO Bank, Di gilul Banking Dcpar1men1, lleud Oflice-2 ,3&4 DD Dlock, Sector-I, Salllake, Kolkuta -700064
Phone no:033-4455804-1, E-mail: [email protected]
Follow UCO Bank ooTwltter:UCOBankOfficlal• Facebook:Qfficlal UCOBank· lnsta gram:Officlal,ucobank· Llnkedln:UCO BANK· You Tube:UCO Bank Off)clal
Page 9 of9
Annexure-1: Payment Gateway/ Link based payment Charges to Merchants
{CHO/ DBD/ 13/ 2022-23 dated 09.11.2022 on "UCO Bank Merchant" with QR Kit/Sound Box: Digital
Merchant On-boarding with End-to-End Payment Solution {Powered by GetePay}.
NET BANKING
Business Category Credit Card
*Debit Card Amex *UPI SBI/BOB HDFC AXIS ICICI YES/KOT AK Others
E-commerce 1.90% 2.80% 1.20% 1.70% 1.60% 1.70% 1.15% 1.1%
Education RUPAY: NIL 1.2O0/n 1.7S0/n 20/- 20/- 20/- 20/- 20/- 10/-
VISA/MASTER
Utility/Govt./ others Up to 2000: 1.10% 1.10% 7/- 12/- 7/- 7/- 7/- 7 /-
0.40%
Insurance/ MF 1.1O °1n 1.lO0/n 7/- 12 /- 111- 11/- 11/- 71-
Sunermarket 1.7SO/n 2.85% 1.2O0/n 1.7O0/n 1.6O0/n 1.70% 1.15% 1.10/n
NIL
Grocery 1.50% 2.85% 1.20% 1.70% 1.60% 1.70% 1.15% 1.1%
828 Above 2000: 2.Q0/n 2.8SO/n 20/- SBI/ 1.7O °/n 20/- 20/- 20/- 10/-
0.90%
E-tendering/ Housing
1.1% 2.85% 40/- 20/- 20/- 20/- 20/- 10/-
Board
Donations 2.O0/n 2.8SO/n NA 20/n 2% 2% 2% 201n
International
Accentance 2.750/n
EM! As ner the Credit Card Rate
NEFT/ RTGS Rs.15 I-
As per the Credit Card & Debit Card Rates
Bharat OR
!wallet 1.950/n
* UPI & Debit card rates as per RBI mandate.
* Additional charge of Rs.3/- per transaction in case of ERP [Educational, housing etc.]
* GST Will be applicable on the transaction Charges.
