DIGIPAY User Manual

Abstract
This document serves as a guide in better understanding of DigiPay application and would serve
as hands on for the delivery of banking correspondence services by the users to the customers.
This should only be used as a reference document for understanding the methodology and no
part of this document can be used for other purpose other than as defined.
 DigiPay l User Manual

Table of Contents

1. INTRODUCTION ................................................................................................................................................. 3
1.1 MINIMUM REQUIREMENTS .................................................................................................................4
1.1.1 Hardware Requirements ..........................................................................................................4
1.1.2 Minimum Hardware configuration ..........................................................................................4
1.1.3 Software Requirement ..............................................................................................................4
1.2 IMPORTANT INFORMATION ................................................................................................................5
2. DIGIPAY INSTALLATION ................................................................................................................................. 6
2.1 REGISTRATION..................................................................................................................................7
3. SERVICES ........................................................................................................................................................... 11
3.1 WITHDRAWAL ................................................................................................................................11
3.2 BALANCE ENQUIRY .........................................................................................................................13
3.3 POS BILL PAY ................................................................................................................................15

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1. Introduction
CSC-SPV in collaboration with National Payment Corporation of India (NPCI) and
IndusInd Bank has launched Aadhaar Enabled payment System (AePS) at all CSC
locations across the country. This system is based on Aadhaar authentication of an
individual, which eliminates the threat of any fraud and malicious activity. Aadhaar
will facilitate 'anytime, anywhere’ authentication to its beneficiary. The purpose is to
achieve inter-operability between banks for Aadhaar based payment transactions.
The DIGIPAY application will enable you to cater the need of financial services in far
flung and banking deprived areas of the country. This will play a vital role in making
a cashless society as per the vision of Government.
DigiPay is a simple, secure and seamless way of transacting through Aadhaar based
authentication.

Services

Withdrawal

Digi Pay

Balance
Bill Pay
Enquiry

Figure 1, Services

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2. Minimum Requirements

The minimum requirements for running the DigiPay Client application are:

2.1.1 Hardware Requirements

 Desktop/Laptop and Internet connectivity

 Biometric Device (Fingerprint/Iris)
 Printer

2.1.2 Minimum Hardware configuration

 1.2 GHz Processor, 1 GB RAM, 100GB Hard disk

 256 Kbps internet speed

2.1.3 Software Requirement

 .Net framework v 4.0

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2.2 Important Information

 Privacy of the customer data should be ensured.

 Do not store the customer biometric data. Also customer’s data and Aadhaar

number should not be stored or recorded. Please refer to the Aadhaar Terms &

conditions for Biometric data.

 User should have a valid Aadhaar number issued by UIDAI.

 It is mandatory for the customers to link their Aadhaar number to their

respective bank account to use the Digipay for cashless transactions.

 Aadhaar seeding can be done at their bank branches or online.

 There are no registration charges for using DigiPay.

 Cash withdrawal limit will be applicable as per the latest RBI norms.

 Only certified STQC biometric devices should be used for conducting Aadhaar

authentication. Aadhaar authentication should always be performed in front of

the customers.

 CSC Agents should speak out the amount in clarity to the customers before

performing the biometric capture of the user.

 It is mandatory for the user to give a receipt to the customer for all the

transactions irrespective of transactions being approved or declined.

 By usage of the DigiPay the CSC Agents agree to the Terms of Use policy of

DigiPay.

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3. DigiPay Installation
 Download the DigiPay Application.

Figure 2

 The setup.exe file should be run as an Administrator

 DigiPay application should be installed at the root of the C drive
 The drivers of the biometric devices should be installed before the installation of
DigiPay
 Install the DigiPay client on your desktop/laptop.
 Follow onscreen instructions for installation completion
 Double click on the DigiPay icon to launch the application.

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3.1 Registration
Following are the steps to do the registration.

Step 1 First time users are required to run the application as an

administrator. To run the application as an administrator, right click on the
downloaded file and then from there please select the Run as administrator
command. In case the application requires restart please restart your system.

Figure 3

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 DigiPay l User Manual

Step 2 On the registration screen enter your Aadhaar number to perform a e-

KYC for initiating the DigiPay registration process. Upon successful
authentication and e-KYC the Business/Unit details form will open.

Figure 4

Step 3 The user will have to submit the following information to complete
their registration on DigiPay. Please ensure valid details are provided against
each field. In case of issues please get in touch with the business team.

Business Info Business Unit Name

PAN
Area Location
State
Pin Code
Email
Mobile
Bank Info Account Name
Account Number
Confirm Account Number
IFSC Code
Bank Name

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Step 4 After submission of the above details your DigiPay account will be
created and activated instantly, though it will be subjected to account
verification within seven days conducted by DigiPay team of CSC.

Step 5 Please restart the DigiPay client and login to start doing transactions.

Figure 5

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Step 6 Login screen appears as shown below. Click on your Profile tab to
initiate the biometric authentication to login to the DigiPay app.

Figure 6

Step 7 After login you would be able to avail all the services, as displayed in
the left hand side of below screen.

Figure 7
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4. Services

1.1 Withdrawal

This facility will enable the user to withdraw cash for the customers from their
respective Aadhaar linked bank account.
The user is required to capture the following information from the customer to avail
the withdrawal facility.
 Bank Name: Customer bank name for cash withdrawal.
 Amount: Amount to be withdrawn by customer.
 Customer Aadhaar: Aadhaar number of the customer.
 Biometric/Iris: Customer’s Fingerprint or Iris through the use of aadhaar
authentication device.

Figure 8

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The user will get an instant response for the transaction requested by the customer.

Figure 9

Once the money is successfully debited from the customer account, the user will
hand over the same amount in cash to the customer.
The user can also print a copy of the receipt for the customer.
In case of the transaction failure, below screen will be displayed.

Figure 10

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In case of Aadhaar authentication failure, below screen will appear.

Figure 11

1.2 Balance Enquiry

This facility will enable the user to enquire balance of the customer’s bank account
using the Aadhaar authentication.
The user needs to capture the following information from the customer for his
balance enquiry.
 Bank Name: Customer bank name for balance enquiry.
 Customer Aadhaar: Aadhaar number of the customer.
 Biometric/Iris: Customer’s Fingerprint or Iris through the use of Aadhaar
authentication device.

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Figure 12

After the submission of above details by the user, following screen will show the
balance of the customer.

Figure 13

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The user will get an instant response for the transaction requested by the customer.
The user can also print a copy of the receipt for the customer.

1.3 Bill Pay

This facility will enable the users to collect the payment from the customer for the
service/product offered. This would facilitate a seamless cashless transaction as the
customer would make the payment directly through his Aadhaar enabled bank. The
money will be further added to the user’s wallet, who in turn would deliver the
service/product accordingly.
The user needs to capture the following information from the customer to enable
dissemination of various services:
 Bank Name: Customer bank name linked with his Aadhaar.
 Amount: Fee of the service/product to be rendered.
 Customer Aadhaar: Aadhaar number of the customer.
 Product/Service: Name of product/service offered.
 Biometric/Iris: Customer’s Fingerprint or Iris through the use of Aadhaar
authentication device.

Figure 14

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