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Procedure for booking and refund of the UTS/PRS ticket booked using UPI and accountable of the revenue

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Procedure for booking and refund of the UTS/PRS ticket booked using UPI and accountable of the revenue acquiring bank in a single Railway Account, which shall be opened by the acquiring bank

Text of the circular

GOVERNMENT OF INDIA (BHARAT SARKAR)

a MINISTRY OF RAILWAYS (RAIL MANTRALAYA) (RAILWAY BOARD) कर मे मी भर मै No.2015/TG-I/10/P/DT/5 oO New Delhi, dated पे .11.2017

The General Ma nagers All Zonal Railways

( COMMERCIAL CIRCULAR NO. #5 of 2017)

Sub: Procedure for booking and refund of the UTS/PRS ticket booked using UPI and accountable of the revenue

In view of Government of India having initiated various initiatives for making India a truly less cash economy, it has been decided to introduce the facility of booking of Railway Tickets at Railway Ticket Counters through UPI including BHIM application as a payment option for

' PRS/UTS tickets on pilot basis for a period of three months. ICICI] & SBI bank have been mandated to provide acquiring services during the pilot study period on no profit no loss basis. The procedure for booking and refund of the tickets booked using UPI and accountal of the revenue are as follows:

1.0 Definitions The definitions of the terms used in the circular are as below:

L1UPI

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

1.2BHIM . ;

BHIM (Bharat Interface for Money) is a Mobile App developed by National Payments Corporation of India (NPCI), based on the Unified. Payment Interface (UPI). BHIM is .

inter-operable with other Unified Payment Interface (UPI) applications and bank accounts

1,3Virtual Payment Address (VPA)

Virtual Payment Address (VPA) is an address which identifies a person's bank a/c. For instance, the VPA Address for BHIM customers is in the format xyz@upi. One can just share his/her VPA with anyone to receive payments (no need for bank account number/ IFSC code, etc.). One can also send money to anyone by using their VPA.

1.4Acquiring Bank Bank engaged by Railways for processing the payments received through UPI

application. For the pilot study, ICICI & SBI bank have been mandated to provide acquiring services,

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1.5 Issuer’s Bank

Bank where customer maintains his/her account.

1.6 Payment Service Provider (PSP)

The service provider whose UPI application is being used by the customer,

1.7 Common Payment Gateway (CPG)

CPG is payment gateway of CRIS which interacts with the acquiring bank for processing the payments and refunds for railway tickets.

1.8 Application Programming Interface (API)

An application-programming interface (API) is a set of programming instructions and standards for accessing a Web-based software application. In general terms, it is a set of clearly defined methods of communication between various software components. API is required to communicate between banking software and CRIS system

1.9 Unstructured Supplementary Service Data(USSD)

This is a service which allows mobile banking transactions using basic feature mobile phone (Non-smart phone). There is no need to have mobile internet data facility for using USSD based mobile banking. The payments for booking the tickets can be made through USSD service also

2.0 Procedure of booking of ticket

In broad terms, the customer will provide his VPA to the counter clerk, who will feed the due amount and VPA in the UTS/PRS system to generate a payment request which will be delivered to the customer on his mobile through acquirer bank. Once customer confirms the payment, the ticket can be issued from the UTS/PRS system. The step-wise details of the procedure to be followed for booking a ticket are as below:

2.1 Passenger desirous to make payment through UPI shall fill up journey details along with

VPA and provide it to the booking clerk. The requisition slip may be provided with

- additional column for payment mode indicating payment th

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