No bar on any Banks’ Cards for Payment; can use mAadhaar as ID Proof during Rail Travel: IRCTC

NEW DELHI: Amidst reports of IRCTC barring certain banks from using its payment gateway for debit card transactions, the railways’ tourism and catering arm issued a statement denying the reports.

The IRCTC has said options to pay through payment gateway using debit/credit card and internet banking are open for all banks.

“No debit or credit card of any bank has been restricted by the IRCTC for acceptance on any of the gateway,” it said.

Debit and credit cards of any Indian bank powered by Master or Visa, can be accepted in any of the seven gateways on the site, the statement clarified.

However, it said the IRCTC has provides a value-added service of direct integration to some banks which would allow speedy transactions and reconciliations.

“Since direct integration comes at an added cost to the IRCTC, these banks were asked to share a part of their transaction charges with IRCTC,” it said.

A senior official of the IRCTC said that it was not possible for it to bear cost of individual linkage to bank websites.

“IRCTC had asked banks to share the revenue earned from online tickets because of these value-added services but some banks refused,” he said.

The IRCTC has said that if banks are willing to give the facility of zero transaction charges on their debit cards to rail ticket customers then it will give them the facility of direct debit card integration also.

The statement has further said that banks should abide by the RBI guidelines regarding transaction charges on debit cards by charging only 0.25 per cent on transactions of up to Rs 1,000 and a maximum of 0.5 per cent on transactions of values between Rs 1,000 and Rs 2,000.

Now, You Can Use mAadhaar As Identity Proof During Rail Travel

A mobile-based application, mAadhaar, developed by the Unique Identification Authority of India (UIDAI) will now serve as one of the prescribed identity proofs for rail travel purposes, the government said on Wednesday. “m-Aadhaar when shown by the passenger on his/her mobile after entering the password should be accepted as proof of identity for undertaking journey in any reserved class over Indian Railways,” according to a notification from the Ministry of Railways. The use of mAadhaar as an identity proof will be valid across any reserved class, it added.

mAadhaar carries demographic information like name, date of birth, gender and address of a person along with the photograph and is linked with the Aadhaar number. To use the mAadhaar or ‘mobile Aadhaar’ app, users need to register their mobile number with UIDAI. Once the process is complete, they can download their details on the app.

The app comes with a biometric lock and unlock feature to secure the personal data. Once a user enables the lock system, the app remains locked till the person chooses to either unlock it (which is temporary) or disable the locking system. It also has a “TOTP (Time-Based One-Time Password) generation” process which can be used instead of SMS-based OTP (one-time password).

Users can update their Aadhaar profile data too and registered mobile number is a must for using the app. In case your mobile number is not registered, visit the nearest Aadhaar Enrolment Centre or Mobile Update End Point. A QR code facility and password protected eKYC data are among the additional features provided in the app.

The mAadhaar app is currently available for Android users only.

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