BHIM Aadhaar - UBI

BHIM Aadhaar - UBI is a merchant-centric payment application by Union Bank of India that leverages Aadhaar biometric authentication for seamless purchase transactions. Merchants can accept payments using customers’ Aadhaar numbers and fingerprint verification, eliminating the need for traditional PoS terminals or digital wallets. This innovation supports India's vision of a cashless economy by simplifying digital payments for customers who do not require debit/credit cards or smartphones.

The app features interoperable transactions, allowing customers from any bank with Aadhaar seeded accounts to make purchases securely. Merchants register via the app and validate their details at Union Bank branches to start accepting Aadhaar-based payments. Overall, BHIM Aadhaar - UBI enhances payment accessibility and security, streamlining transactions for both merchants and consumers.