FAQS - UAT BOI

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Contactless card is a chip card with an inbuilt radio frequency antenna. This antenna uses Near Field Communication (NFC) technology to establish a secure connection with contactless reader to transmit payment related data. Hence, contactless card need not to be in contact with the reader, a simple tap on the reader will initiate a transaction.

It provides you a single payment platform for making payments across end to end everyday needs.
You need not have to worry about carrying cash for small value payments. Additionally, you are free from fear of getting fake notes and lost or theft of cash.
You can keep a digital trail of your purchases.
You don’t need to wait in long queues because contactless transactions are super quick and can be completed in less than a second.

RuPay Contactless is a Dual Interface card which supports both contact and contactless transactions, whereas a regular RuPay (EMV/Chip card) can only support Contact transactions.

To know if the card is RuPay contactless, you need to check for the contactless indicator, published on its front.

NPCI requires all contactless/dual interface RuPay payment devices to carry RuPay Contactless Indicator for supporting contactless payments. If the indicator is present, you can make “Contactless” payments, whereas if the indicator is absent, you have to swipe/ dip the card and enter 4 digits PIN to make payment.

Key Functions
Dual Interface
Card Balance
Pass writing
RuPay Contactless Proposition

In Bank of India, currently there is only one Rupay Debit card which supports both Offline (Contact & Contactless) & Online transactions ie. Rupay NCMC Debit card.

In the case of Rupay NCMC Debit card,

There is a provision of storing money on the card which can be used to initiate contactless payments (offline payments) across various use cases like transit, retail, toll, parking, etc. which is also referred as Card Balance or Offline Wallet.
It is a unique feature that enables customers to use the card for merchant/operator specific application e.g. travel passes, season tickets, etc.

The key feature of NCMC Card is offline payments which reduces the dependency on network connectivity. Offline payments do not require an online connectivity with the card issuing bank, hence you don’t need to enter 4 digit pin. Card balance entered on card is used to make such payments. For more information, please refer FAQs on Offline Wallet.

Yes, you can top up/ reload the card balance before it exhausts, so as to make seamless contactless payments.

Card balance can be topped up via “Money Add” channels, which can be done in following ways:

Money Add Cash- You may approach a merchant or kiosk authorized to top up the card balance (money load transaction). You have to pay the amount to be topped-up in cash to the merchant/operator and the operator will perform a money add transaction from POS device to top-up the card balance.
Money Add Account- You may approach merchant/operator or kiosk to top up the card using savings account. The operator will initiate this money add from POS device to top-up the card balance. The top-up amount will be deducted from primary account and get added to the card balance.
Money Add via digital channels- Currently not supported by BOI Rupay NCMC Debit Card.

Transit fare payment system including metros, buses etc.
Toll payments
Parking area payments
Restaurants and other retail outlets

When you dip/swipe your card, it will use your primary account balance; not your card balance. Card balance is used for offline payments only. Primary account balance (i.e. current/ saving account) is debited for all online transactions e.g. Retail, ATM, e-commerce etc.
The offline wallet balance is debited for all offline contactless transactions of low value payments in transit, para transit as well as retail for eg metro, bus, toll, parking, retail stores, OMCs, etc.

Currently, BOI is issuing Rupay NCMC Contactless cards in debit variant.

RuPay Contactless cards can be used across ATM, POS and Ecommerce websites to make payments.

Banks which are certified by NPCI can issue RuPay Contactless cards.

Yes, you can use your RuPay Contactless card irrespective of the value of transaction. For Transactions above ₹ 5000, both contact and contactless payments can be made, but with PIN

For all contactless transactions up to ₹ 5000 PIN is not required.
For all the transactions above ₹ 5000, you may choose to dip/tap the card followed by mandatory PIN entry.

No.

No, the operator must enter the payment amount for initiating the transaction. Also, the card or device has to be held within 4 cm of the card reader to make any payment.

No. There are no additional charges levied to make a contactless payment.

Yes, your RuPay contactless card is as secure as any other RuPay card. It contains a highly secure EMV chip, hence it cannot be cloned easily. Also, you need not have to handover the card to anybody, just have to tap the card for completing the transaction.

If the transaction is successful, terminal/ device will display the message. Also, you may receive charge slip after doing the transaction.

No. Once a payment is successful (one tap or two tap, depending upon transactions), a new payment transaction has to be initiated from the reader by entering the amount. Multiple taps will not result in deducting the amount more than once.

The Card is valid up to expiry date as mentioned on the card.

As a cardholder, you are responsible for the security of the card. If the card is lost or stolen, you should report the loss/ theft to issuer’s customer care centre. Card Issuer bank, upon adequate verification shall hotlist the card and terminate all online facilities on the card. Balance in the wallet of the card shall not be refunded back. Card holder can hotlist the card by himself/herself using online channels.

Please visit your nearest Bank branch and surrender your card along with new replacement request form. Replacement charges will be applicable.

Card can be closed by choosing any one of the below method:- IVR, Mobile Banking, Internet Banking and visiting nearest branch.

In case the Pass writing (monthly passes etc.) fails and you have paid via cash then you have to present the slip, given at the time of Pass writing to merchant/operator. Merchant will validate the existing Pass on the card. Basis this, he may decide to re-write the pass on the card.

As the card balance is specific to the physical card, it will be managed separately for you and your joint account holder. You will not be able to use the card balance of the other joint account holder using your card