NCMCNCMCNational Common Mobility Card (NCMC)
“RuPay qSPARC Dual Interface Card”
Payment Platforms by NPCI
Number of Banks covered so far……
Sr. no.Product/Platform
Member BanksTotalDirect Sub-
Member
1 NFS 101 804 9052 IMPS 102 137 2393 RUPAY 98 795 8934 CTS 266 1162 14285 NACH 157 1146 13036 APBS 142 778 9207 AEPS 61 54 115
1300+ Unique Banks on NPCI Platform out of appx. 1700 Banks
NCMC Proposition
BusesBuses
Retail OutletsRetail Outlets
Retail ShopRetail Shop
RestaurantsRestaurants
ATM / KioskATM / Kiosk
ParkingParking
MetroMetro
CabCab
One CardMany Benefits
Low Value Payment
Dual Interface
CardHigh
SecurityVendor
Agnostic
ScalabilityInter-operability
Open Standards
Data Storage
Stored Value
Benefit to the nation
Benefit to State Transport
• Common standards• Unified cards with online/offline transaction• Savings on card lifecycle management cost• Reduced cash handling & operating cost• Higher customer loyalty & stickiness• Provision for creation of Monthly session ticket in
the card• Provision of issuance of tickets at concession rate• Support multiple service areas for payment and
non payment capabilities
Savings to PTOs & Government
Existing Cost Model
• Significant share of Automated Fare Collection System cost towards the total project cost (e.g. 2-4% incase of metro rail system)
• Fare collection contributes around 4-5% of OPEX• Risk of cash handling, revenue leakages and manpower management
Savings to PTOs and Government with NCMC
• Standardized transaction processing cost to Financial Institutions• Reduced fare collection cost contribution towards OPEX• Simplified revenue handling with minimal pilferage• Predictable and regulated Intermodal settlements through NPCI• Better accountability and increased transparency of the system• Time to market for Interoperable Fare Management System• Digital trail for all transactions
NCMC Live Projects
BMTC KMRL Ahmedabad Smart City
Product Offered The Smartcard card has the functionality of carrying both the E-Purse & Pass in one single card.
Kochi One card is a multipurpose, prepaid contactless Rupay card which can be used to travel in metro and also like normal debit card.
This card is to be used for fare payment at BRTS, city bus services and other utilities payments in addition to day to day retail payments.
Banking Partner Axis Bank Axis Bank ICICI Bank
Use cases Ticketing and Retail purchase transactions
Ticketing and Retail purchase transactions
Transit, Utility Services & Smart City
Issuance process flow
Online Purchase(Contact & Contactless)
Tap the card into POS
Purchase transaction
Transaction goes to acquirer switch
Send transaction to NPCI
Authentication Request to issuer
for transactionApproval for transaction to NPCI
Approval to acquirer
Approval for transaction and updates balance on card
Card returned
Offline Purchase(contactless)
• Offline contactless transactions up to a threshold of Rs 2000 or a limit set by the issuing bank, whichever is lower
• The offline contactless transactions shall not need online authorization from the issuer host and will not require the customer to enter a PIN.
• Contactless transactions above the bank’s threshold and up to Rs 2000 shall require a PIN, while transactions above Rs 2000 shall be mandatorily conducted over the contact interface.
Money Add
Makes the payment to
Merchant for Add Money
Card tap into POS and perform a money add transaction
Transaction goes to acquirer switch Acquirer
Send transaction to NPCI
Authentication Request to issuer
Approval for transaction to NPCI
Approval to acquirer
Approval to POS for writing balance on card
Card returned
Service Creation
Card to merchant with service
creation request
Service creation transaction
Transaction goes to acquirer switch
Send transaction to NPCI
Authentication Request to issuer for service area
creation .Approval for service area creation to NPCI
Approval to acquirer
Approval for creation and service is created
Card returned
Process involved for adopting NCMC
• Identify the issuers (banks to issue the cards )
• Select the acquirer(s) (SRTU can identify single/multiple acquirers.
• Negotiate commercial terms with the acquirers
• Provide the electronic ticketing machine to the conductor
• Create an Automated Fare Collection system ( preferably centralized)
• Create a settlement and reconciliation system ( preferably centralized)
• Setup a dispute management/Grievance redressal system ( preferably centralized)
NPCI aims to touch every Indian by with one or the other
electronic payment product and support the
RBI’s vision of a “Less Cash” society.