Simple steps for successful Aadhaar Payment Bridge Transactions

            The success of APBS depends on the low return rate of the transactions.  User’s confidence in the APBS will grow, if the return % is less.

            Apart from gas subsidy transactions, other types of transactions are also being routed through the APBS now.

            Hence, it is of utmost important that only transactions with genuine reasons are returned by the destination banks.

            To minimize the risks associated with human intervention, NPCI has introduced an automated mapper at their end, to route the transactions to the correct destination banks.

            One of the important components of APBS is the IIN. IIN stands for Institution Identification Number.

            The transaction is routed to the destination bank based on the Aadhaar Number linked to the IIN.

            Since mid-June 14, NPCI has introduced an additional layer of validation to the APB transactions.

            Even if the IIN is included as part of the transaction file, NPCI will validate the transaction against the mapper database.

Only those transactions which pass the Aadhaar Number / IIN linkage test will be sent to the destination bank. This means the APB system will validate the Aadhaar number and the mapping of the IIN to that particular Aadhaar number.

            Otherwise the transactions will get rejected due to the following reasons:

a)    Return Reason 96 – Aadhaar mapping does not exist/Aadhaar number not mapped to IIN

b)   Return Reason 80 – Wrong IIN

c)    Return Reason 95- Inactive Aadhaar

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The above validations are expected to increase the success rate of the final transactions sent to the destination banks.