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Key Features of IMPS

 
 

Merchant payment through IMPS

  • Merchant payment(IMPS)

We are pleased to inform that ourBank has gone live today, i.e., from 26th March 2013 as an Issuer on Immediate Payment service (IMPS) Merchant Payments (P2M) Push and Pull transactions. This service is provided by National Payments Corporation of India (NPCI) in collaboration with Member Banks.

IMPS Merchant Payments (P2M - Person-to-merchant) service allows customers to make instant, 24*7, payments to IMPS enabled merchants or enterprises via mobile phone. IMPS (P2M) enables mobile banking users a facility to make payment to merchants and enterprises, through various access channels such as mobile Internet and SMS

For IMPS P2M PUSH transaction initiated through SMS, transaction limit is Rs 5,000/- per day and for transactions initiated through mobile banking application, transaction limit is Rs 50,000/- per day.

There are two ways in which IMPS merchant payments (P2M – Person-to-Merchant)transaction can be performed:

-         +
Customer Initiated Transaction (P2M PUSH)  + 
Merchant initiated transaction (P2M PULL)  + 

  • Useful Information Merchant Payments
-         +
How to register mobile number  + 
How to generate MMID  + 
How to get m-PIN  + 
How to generate OTP (Merchant Payments)  + 
How to perform P2M PUSH transaction  + 
Amount limits and Bank charges  + 
Demonstration of Transaction  + 
Contact information  + 
Functionalities available  + 

  • For list of all services available for Customer Initiated Payments, Click Here

  • For list of all services available for Merchant Initiated Payments, Click Here


Immediate Payment Service - IMPS

IMPS FAQ SMS Tag Message -  mPAY IMPS
IMPS Participating Banks NPCI IMPS Video Forgot Password

Not anymore to stand in a long queue or login in to net banking for fund transfers. With Immediate Payment Service (IMPS), you will be able to transfer funds to other bank accounts through your mobile phone. IMPS (Immediate Payment Service) is a new facility to transfer funds to, and receive funds from other bank accounts instantly, using Mobile Phone. This is an enhancement to the existing Mobile Banking application (mPAY).

Key Features of IMPS

  • Instant InterBank Fund Transfer
  • Send money to anyone using their mobile number
  • Recipient gets instant credit
  • Receive money instantly from anyone without sharing your account number
  • Available 24X7X365
  • Absolutely free of cost
  • Confirmation of Debits & Credits
  • Time & Cost saving
  • Simple & easy to use
  • Safe & Secure
 
Prerequisites

Basic requirements for availing AB-Mobile Banking:
  • Customer should have an Andhra Bank ATM / Debit Card.
  • Customer should have registered for SMS alerts.
  • Customers having even basic handsets can avail of the service thru SMS.
  • Customers having Mobile handset with GPRS (General Packet Radio Service) enabled by the Service Provider and JAVA will have higher fund transfer limit and security.
Sl. No. SMS Based Mobile Banking Application Based Mobile Banking
1 GPRS and Java Not Required. GPRS and Java Required.
2 Debit or ATM Card Required. Debit or ATM Card Required.
3 Should have Registered for SMS Alerts. Should have Registered for SMS Alerts.
4 Fund Transfer Upto 5,000.00 only Fund Transfer Upto 50,000.00 only (current limit)

How to register?
  • Customer should visit any Andhra Bank ATM for registration for mPAY Mobile Banking. On successful registration, customer will receive mPin and Application Password on the ATM slip.
  • The Customer whose mobile is having GPRS and Java, can download the mobile banking application by clicking the URL link in the SMS messagehttp://mobile.fssnet.co.in/MPAYPORTAL/.
  • The Mobile Banking application will be saved in his/her Mobile. The customer can enjoy various functionalities of mobile banking including internal and external fund transfer (IMPS) facility.
  • Customers, whose hand sets are not Java / GPRS enabled, can also avail of Mobile Banking thru SMS or USSD (Unstructured Supplementary Service Data).
Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile phones. It enables one to send money to another bank account or same bank account using the mobile number and MMID of the receiver. This is an enhancement to the existing Mobile Banking Application (m-PAY).

MMID stands forMobile Money Identifier. MMID is a 7 digit code issued by participating banks to their customers for availing IMPS facility. MMID is issued to only those customers whose preferred mobile number is registered with the bank for SMS alerts. A customer will have different MMIDs for different accounts and all these can be linked to a single mobile number.

How to generate MMID
  • Using application: Customer mobile number should be registered with bank for Mobile Banking Application and MMID can be generated by using m-PAY application under Fund Transferà Other BankàIMPSàGenerate MMID.
  • Using SMS Tags: Customer mobile number should be registered with the bank for SMS alerts. For getting MMID, customer should send the keyword MMID by SMS to 9223173924. Customer will get separate MMID for each account number linked to his / her debit card. This MMID is required for receiving funds thru Mobile Banking.

How to transfer the funds using IMPS?
  • Using application: Customer can transfer funds (within Andhra Bank and to other banks also) using the option Fund Transfer à Other BankàIMPSàQuick IMPS.
  • Using SMS Tags: Customer mobile number should be registered with the bank for Mobile Banking and should have the MMID for transferring funds. Customer can transfer funds by SMS.
Syntax: IMPS<Space><Beneficiary Mobile Number><Space><Beneficiary MMID><Space><Amount><Space><MPIN>

Where <Space> Stands for one Space only Example :Suppose you wish to send Rs.100.00 to a person whose MMID is 9011123 and his mobile number is 9709095696 and your mPIN is 4444, send the following as text message (SMS) from your mobile to 9223173924: IMPS 9709095696 9011123 100 4444 Funds transfer limits and others :
  • The daily funds transfer limit for customers using mobile banking application is Rs 50,000/- and for others who are using SMS facility is Rs 5,000/-. The SMS and GPRS charges for using the service of the mobile phone will apply as per the tariff applicable to the plan availed by the customer from service provider.


How to transfer the funds using IMPS (P2A) – Person to Account Number

Using application : Customer can transfer funds (within Andhra Bank and to other banks also) using the option Immediate Payment Services(IMPS) à To Account Number Fund Transfer à Quick IMPS
  • Enter Beneficiary Account No
  • Beneficiary IFSC Code
  • Amount
  • Remarks
Using SMS Tags: Customer can also initiate IMPS through P2A mode using the below SMS tag

Syntax :

IMPS<Space><Beneficiary Account Number><Space><Beneficiary IFSC Code> <Space><Beneficiary Account type><Space><Amount><Space><MPIN> <Remarks>

Where <Space> Stands for one Space only

Account types :

Account Type Value
Saving Account 10
Current Account 11
Overdraft 30
Cash Credit
Loan Account
Card to Card Payment txn 10

Example : Suppose you wish to send Rs.100.00 to a person whose IFSC Code ICIC0000123, Account number is 1234567890, Account type is Savings and your mPIN is 4444, you have to send the following as text message (SMS) from your mobile to 9223173924: IMPS 1234567890 ICIC0000123 10 100 4444 tofriend
Where remarks is ‘tofriend’

Funds transfer limits and others :

The daily funds transfer limit for customers using mobile banking application is Rs 50,000/- and for others who are using SMS facility is Rs 5,000/-. The SMS and GPRS charges for using the service of the mobile phone will apply as per the tariff applicable to the plan availed by the customer from service provider.

How to receive money through IMPS :
  • The customer has to register for SMS Banking with Andhra Bank (if not registered already).
  • The customer has to inform the sender his/her registered mobile number and MMID.

Advantages of IMPS:
  • Instant:Credit of funds happens instantly, as soon as an IMPS transfer is executed.
  • Anytime:IMPS is available round the clock, 24x7 including weekends and holidays.
  • Anywhere:IMPS transfers can be executed on the go, on your mobile phone, using mPAY Mobile.
  • Simple:All you need for executing an IMPS transfer are the beneficiary's mobile number and 7-digit MMID.
  • Interbank:You can transfer funds and receive funds from more than 46 other banks via IMPS Network.
  • Secure: The service ensures that only people who are registered with the application will receive money. And while crediting, system will check the beneficiary mobile number and generated MMID.

IMPS FAQs
 
What is IMPS?
Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile phones. IMPS would facilitate Andhra Bank Customer's) to send money instantaneously to any other person registered for IMPS service in any of participating banks (including Andhra Bank), using mPAY application. All IMPS registered customers can also act as beneficiaries to receive money from any participating bank (including Andhra Bank). How does the IMPS Service work Real Time or Instantaneous ?
A common infrastructure has been set-up amongst participant banks, in association with the National payment Corporation of India, to enable real time funds transfers across banks. What is MMID ?
MMID stands for Mobile Money Identifier. MMID is a 7 digit code issued by a participating bank to their Mobile Banking registered customers for availing IMPS service as a beneficiary.

A customer will have different MMID's for different accounts and all these can be linked to a single mobile number
Do I as sender or receiver need to have a bank account for availing IMPS?
Yes, you need to have a Savings bank account with Andhra Bank. Do I need to register to send money through IMPS?
If you are a registered mobile banking customer of Andhra Bank and have the mPAY application on the registered mobile number, no more registrations are required.

To send money from mPAY, please do the following:
  • Login to Andhra Bank mPAY
  • Select Fund Transfer Menu
  • Select Fund Transfer to Other Bank
  • Select Immediate Payment Service (IMPS)
  • Select Quick IMPS and enter mPIN
  • Enter 10 Digit Beneficiary Mobile Number, 7 Digit Beneficiary MMID and desired transfer amount
  • Confirm entered details
  • Get transaction report along with IMPS Transaction Reference Number.
For sending money, can I link more than one account to the same mobile number?
Yes, this is possible. The same process would be followed that exists for registration for mobile banking service for linking an account to mPAY application.
Is the beneficiary also required to register for IMPS?
The beneficiary ( Andhra Bank or other Bank customer) should have their mobile number registered with their bank where he intends to receive the money. He should also have a valid 7 digit MMID provided by his bank. For each bank account number the beneficiary would have a different MMID. Different customers of a Bank can have same MMID's.
What beneficiary details do I need to use to send money?
The beneficiary details required are: a. Beneficiary's 10 digit mobile number b. MMID of the beneficiary customer
Is there any limit on the value of transactions when I am sending money using IMPS?
The existing limits of Rs 50,000 per day using mPAY Application and using SMS its Rs 5000/ per day would apply.
Is there any limit on the value of transactions when I am receiving money using IMPS?
You can receive up to Rs 50,000 per transaction using IMPS. You can receive multiple such transactions in a day. Total Limit for day per account is Rs.50000/-
What if IMPS registered mobile is lost or misplaced? Will anyone who comes into possession of mobile be able to send money using IMPS in my account?
The security features of mPAY will apply in this case as well. For anybody to send money using IMPS, he needs to be registered Mobile Banking customer, have mPAY login pin and application password to access the mPAY application.
What happens in case I enter a wrong beneficiary mobile number when sending money?
The beneficiary details required to send money are mobile number and MMID. Before funds are credited into an account the corresponding mobile number and MMID are verified and only if both match will there be a credit into the account.
What are the timings for initiating and receiving IMPS remittances?
IMPS transactions can be sent and received at any time and any day. There are no timing or holiday restrictions on IMPS remittances.
If the transaction is not completed will I get my money back? When?
Yes. In case, Andhra Bank customer's account is debited and beneficiary account is not credited, then customer call lodge a complaint with our call center by mentioning :
  • Senders Mobile Number
  • Sender Account Number
  • RRN (Transaction Reference Number)
  • Date of Transaction
  • Beneficiary Bank Name
  • Beneficiary Mobile Number
  • Beneficiary MMID
  • Amount of Transaction
Customers query will be resolved within 9 working days.
How long does it take for the money to get credited into the beneficiary account?
For transactions which are successful, funds gets credited into the beneficiary's account immediately.
Can I send money from an Andhra Bank Savings account to another account in any other bank?
Yes, you can transfer money from your Andhra Bank account to a beneficiary who has an account within the IMPS participating banks .
When sending money, how do I come to know that my account is debited and the money has been credited in the beneficiary's account?
You will get an amount debited SMS on your registered cell phone on successful completion of the transaction.
Can I send and / or receive remittance using the mobile number other than the one registered with the bank?
No,You can send and / or receive funds using the registered mobile number only.
When can the beneficiary use the funds received through IMPS?
The beneficiary can use the funds immediately on receipt of credit in the account.
How can customer get MMID for there accounts?
  • SMS: Customers need to send MMID to 9223173924 to generate MMIDs for their accounts.
  • mPAY Application: Customers can login to mPAY Application -> Select “Fund Transfer” -> Select “ Other Bank Fund Transfer -> Select IMPS and generate an MMID
 
  SMS Tags messages for Mobile Banking (m-Pay) :: SMS to be sent to Mobile Number 9223173924

Option Syntax and Example -
MPin Change Syntax: CHANGEPIN<Space><OLDPIN><Space><NEWPIN><Space><CONFIRM-NEWPIN>
Example: CHANGEPIN 5555 4444 4444
Balance Enquiry Syntax: BAL<Space><MPIN>
Example: BAL 4444
Mini Statement Syntax: MINI<Space><MPIN>
Example: MINI 4444
Mobile to Mobile - Request Syntax: FTMM<Space><MPIN><Space><BENE-MOBILE><Space><AMOUNT>
Example: FTMM 4444 9790951696 100
Mobile to Mobile - Fund Transfer Confirmation Syntax: CONFMM<Space><MPIN><Space><TXNID>
Example: CONFMM 4444 123456789012
Mobile to Account - Request Syntax: FTMA<Space><MPIN><Space><ACCOUNTNO><Space><AMOUNT>
Example: FTMA 4444 8888888888812345 100
Mobile to Account - Fund Transfer Confirmation Syntax: CONFMA<Space><MPIN><Space><TXNID>
Example: CONFMA 4444 789456123012
Mobile recharge Syntax: MOBREC<Space><MPIN><Space><MOBILENUMBER><Space><AMOUNT>
Example: MOBREC 4444 9876543210 100
Cheque Status Syntax: ENQCHQ<Space><MPIN><Space><CHEQUENUMBER>
Example: ENQCHQ 4444 123456
IMPS- P2P (Using Mobile Number and MMID Syntax: IMPS<Space><Beneficiary Mobile Number><Space><Beneficiary MMID><Space><Amount><Space><MPIN>
Example: IMPS 9790951696 9011123 100 4444
IMPS-P2A (Using Account Number and IFSC Code IMPS<Space><Beneficiary Account Number><Space><Beneficiary IFSC Code><Space><Beneficiary Account type> <Space> <Amount> <Space><MPIN> <Remarks>
Example: IMPS 1234567890 ICIC0000123 10 100 4444 Funds transfer


Where <Space>Stands for one Blank Space


Important Caution Note: Customers using Mobile Banking thru SMS Tags, should note to delete these Messages from their Sent Items in their Mobiles immediately after sending the SMS as the same will contain their mPIN. They should keep their mPIN secret and should NOT save the same in their mobile.
Tag message for IMPS through SMS IMPS transaction can be initiated using registered mobile number using SMS mode with below tag: IMPS <beneficiary mobile Number> < beneficiary MMID> <Amount> <mPIN>and send it to 9223173924 For example IMPS 9849598495 9240111 5000 2222

Mobile Banking (mPAY) using NPCI’s USSD Platform (Presently available to BSNL and MTNL users only).

USSD,Unstructured Supplementary Service Data, is a technology unique to GSM. It is a capability built into the GSM standard for support of transmitting information over the signaling channels of the GSM network.

USSD provides session-based communication, enabling a variety of applications. It is a menu-based system that enables interfacing with user and our Mobile Banking application. Instead of a browser application, the USSD menu acts as browser to pull content to the phone. This mode of communication is faster than SMS because it is a session-based communication, unlike SMS, which is transaction based.

How to Use Mobile Banking via USSD:
  1. Customer has to register for mobile banking through Andhra bank ATM. If customer already registered for mobile banking no additional registration is required for USSD.
  2. Customer should know his / her MMID for the registered mobile number for transacting over USSD platform.
  3. For getting MMID customers can send SMS asMMID to 9223173924.

  4. • Type the short code *99# in your mobile and press dial button.

  5. After prompting the Main menu, newly registered customers are advised to change the MPIN first before going for funds transfer. Existing customers may use the old MPIN for funds transfer.
*Presently the facility is provided for BSNL and MTNL subscribers only.
• The menu will prompt to provide your MMID. After entering the MMID, the main menu will be displayed.

Fund Transfer Limit

• The fund transfer limit under USSD platform is fixed at Rs. 5000/- per day.

How secure is this service?

The Mobile Banking Service on USSD is secure and convenient for users:
  • Mobile Banking (USSD) has an in-built GSM level encryption that ensures safety by 'no store, just forward' facility for secured transactions.
  • One can access this service only if registered for Andhra Bank's Mobile Banking services.
  • Real-time session-based communication whereas SMS is transaction based
  • Allows interactive services
It is accessible only from the registered mobile number.

Various services accessible through Mobile banking over USSD mode

Sr. No Facilities Description
1

IMPS Fund Transfer

(i)

Generate MMID For MMID generation

(ii)

Retrieve MMID To know your MMID

(iii)

IMPS Beneficiary Registration One time registration of beneficiary.

(iv)

IMPS Fund Transfer Fund transfer option for registered beneficiaries

(v)

Quick IMPS Instant one time fund transfer without beneficiary registration

(vi)

Cancel IMPS For cancellation of the generated MMID

(vii)

Cancel IMPS Beneficiary registered beneficiaries can be removed
2 Change MPIN Customers can change their MPIN using this option
 

Forgot Password in mPAY – Steps to follow

  1. Customer has to visit any Andhra Bank ATM.
  2. Using your debit card de-register for the mobile banking facility.
  3. Register again for the mobile banking facility.
  4. After successful registration, you will receive an ATM receipt which contains Application Password (login password) and mPIN (transaction password).
  5. Please ignore the SMS received.
  6. Open the application stored in your mobile and go for Re-Activate option
  7. The said option is available for different phones as under.
    1. Android phone- Option is available in the login screen.
    2. Java phones: Under “Options” in the login screen.
    3. IPhones: Option ‘MENU’ in the login screen.

  8. The application will ask you to enter the new Application Password/mPin printed on ATM receipt. The application will prompt you to change the Application Password / mPin by entering your desired Application Password / mPin.
  9. Now you can access mobile Banking with the changed password and can do financial transaction using mPin.
 
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