Results for "npci"

If fingerprints consistently fail after **3–4 attempts**, do not keep forcing capture — NPCI may trigger a **biometric lock** on the customer's Aadhaar. **Recommend switching to Iris authentication:** - Device: **Mantra MIS100V2** or compatible Iris scanner - Iris authentication has a **99.2% first-attempt success rate** for elderly villagers - Works regardless of fingerprint wear from farming or construction work > Position the scanner **10–15 cm** from the customer's eyes in *indoor shaded light* (avoid direct sunlight) for best results.

Do **NOT** pay cash from your own pocket if your BC portal shows *Failed* or *Timeout*. As per NPCI circular on AePS transactions, when an amount is debited due to a communication switch timeout, an automated reconciliation cycle runs at **T+1 days**. If the acquiring bank does not confirm settlement, the amount is automatically credited back within **T+5 business days**. > Most SBI customers see auto-reversal within 48–72 hours in practice.

Yesterday around **3:30 PM**, a customer visited my CSP center for an AePS cash withdrawal of **₹10,000** from their State Bank of India (SBI) account. During transaction processing, my portal showed: > **Transaction Timeout — Switch Inoperative (Response Code 91)** But the customer immediately received an SMS confirming a debit of ₹10,000. I did **not** dispense cash because no success receipt was generated. The customer is panicking and threatening a police complaint. **My questions:** - What is the standard NPCI auto-reversal timeline? - Should I raise a chargeback ticket on my BC partner portal or ask the customer to visit their home branch?

As per **CBDT Notification No. 70/2019** and RBI guidelines, Business Correspondents (BCs) and White Label ATM operators are **100% EXEMPT** from Section 194N TDS deduction on cash withdrawals made for banking operations. Your branch is deducting TDS because they haven't flagged your current account as a **`Banking Correspondent Kiosk Pool Account`** in their Finacle / CBS software. **Documents to submit to your branch:** 1. Copy of **CBDT Notification No. 70/2019** 2. Your **BC Agent Agreement** with the bank / aggregator 3. A written request letter to the Branch Manager citing the exemption 4. Recent **NPCI / UIDAI registration certificate** as BC operator > Once the Branch Manager flags the account in CBS, TDS deductions stop immediately and previously deducted TDS can be claimed as refund in ITR.

**Error 55** during merchant 2FA occurs because NPCI matches the live biometric capture against the BC agent Aadhaar demographic database with a stricter PID block threshold (minimum **65% quality score**). Ensure you are capturing the **exact finger** (usually right thumb or index) that has the highest biometric quality score in your bank's BC registration profile. > If unsure which finger was registered, contact your BC partner's onboarding team for the enrollment record.

Since the new **NPCI 2-Factor Authentication (2FA)** merchant login rules came into effect, I frequently get: > **Error 55: Merchant Aadhaar Biometric Mismatch / Device Authentication Failed** Setup details: - Device: **Mantra MFS100** - OS: Windows 10 Due to this, my AePS terminal remains locked for the **entire day**. Has anyone found a permanent fix?