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.