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Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department

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Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department Strictly Private and Confidential 27-April-2018 Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department Haryana is one of the foremost States in the country to have the rare distinction of providing piped water supply facilities in all its villages. The State achieved this feat through its Public Health Engineering Department in 1992. Haryana’s Public Health Engineering Department provides, piped drinking water supply in all of the State’s villages and towns. Apart from this the department also provides sewerage facilities in all of the State’s towns. Other services provided by the department are as follows - Storm Water Disposal in Towns Construction of Sewage Treatment Plants Sanitary Amenities in Government Buildings The purpose of this document is to enumerate the processes for enabling digital payments acceptance infrastructure and subsequent promotion for creating awareness around Digital Payments for Haryana’s Public Health Engineering Department. The given document covers the Standard Operating Procedures that ‘Haryana’s Public Health Engineering Department’ may follow for adopting and enabling digital payments products, promotion and the measures in order to ensure high satisfaction level during the on-boarding of customers under the digital payment eco-system. Broad Avenues Touchpoints Digital Product Enablement All Department Bill Collection Physical Collection counters in Haryana State PoS Machines - Water Bill Payments Points BHIM QR and UPI enablement - Sewer Bills - New Water and Sewer Bharat QR Enablement Required Connections Payment Collection on Department Websites BHIM QR and UPI Enablement Online Collections - Water Bill Payments Bharat QR on Online - Sewer Bills PayGov Integration - New Water and Sewer Bharat Bill Pay (BBPS) Integration Connections * Please note w.e.f. 1st January, 2018, an MDR waiver is applicable to all digital monetary transactions of value upto INR 2,000. This included payments made via credit and debit cards, BHIM UPI, Bharat QR, Aadhaar payments, etc. 2 | P a g e © 2018 PricewaterhouseCoopers Pvt. Ltd. Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department 1. Digital Payment Enablement: The below sections detail the digital product enablement process for Haryana State’s Public Health Engineering Department at physical and online sales touch points. Promotion Product Enablement at Citizen Touch Points 1. Bharat QR code Integration NPCI in collaboration with RuPay, Mastercard and Visa has launched Bharat QR, an interoperable payment acceptance solution that supports Visa, MasterCard and RuPay cards for wider acceptance. The enablement process is comprise for prominent display of printed static Bharat QR code at Haryana State’s Public Health Engineering Department payment collection touchpoints and printing of Bharat QR code on the chargeslips, invoices etc. 2. BHIM/UPI Integration BHIM QR and UPI is a platform that empowers multiple mobile apps like BHIM, BHIM Family Apps by participating banks and third party Product solution is preferable apps to provide seamless fund transfer and merchant payments. It also for enablement at caters to the “Peer to Peer” collect request which can be scheduled and Department’s citizen payment paid as per requirement and convenience. collection touchpoints for digital payment acceptance BHIM QR and UPI can be integrated into online payment systems of organisations, so that customer receives a payment request in his BHIM QR and UPI enabled App by entering mobile number or Virtual Payment Address (VPA) while making online payment. Customer just needs to approve the request to complete the payment transaction. BHIM QR and UPI can also be integrated with counter payment systems, whereby payment request (pull request) of required amount is sent to the BHIM QR and UPI enabled App of the customer. 3. PayGov Integration PayGov is an inititive by the Ministry of Electronics and Information Technology (MeitY), Government of India in collaboration with NSDL Database Management Limited (NDML). PayGov is a centralized platform that facilitates all Government departments and services to collect online payments from Citizens for Govt. services. It provides a ready infrastructure with pre-approved transaction costs and can be used to provide online payment services to citizens. MeitY has created the PayGov platform to facilitate widespread use of e-Governance in India. Intent is to facilitate online provision of all possible types of Government to Citizen Services. PayGov has a comprehensive range of payment modes to facilitate e-payment, namely - Credit Cards (RuPay, Mastercard, Visa) Debit Cards (RuPay, Mastercard, Visa) Net Banking (Approximately 70 banks enabled) IMPS (Immediate Payment Services) Cash-card / Prepaid Card/ Wallets NEFT/RTGS 3 | P a g e © 2018 PricewaterhouseCoopers Pvt. Ltd. Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department Steps Applicable To # Integration Steps Estimated BHIM QR Timelines Bharat QR and UPI 1 Internal discussions within department for appropriate approvals T0 regarding integration/installation of payment acceptance mode at ` ` citizen touchpoints 2 Department to initiate discussions with their Payment Enabler T0 + 3 (Acquiring Banks/Payment Aggregators/NDML/NPCI) to facilitate the ` ` mode of digital acceptance 3 Department and Payment Enabler to agree upon the commercials and T0 + 7 technical parameters for installation/integration of the digital payment ` ` mode. For either Bharat QR or BHIM QR /UPI integration, department will integrate with the respective application for settlement. 4 Payment Enabler to initiate for any procurement, if required (example T0 + 20 - where necessary, hardware like PoS machine, etc.) ` ` 5 IT Team/ Technology Service Provider of the Department to conduct a T0 + 30 test transaction ` ` 6 After successful test transaction, Department’s online payment server T0 + 45 will be ready to integrate and accept Digital Payment at desired citizen ` ` touchpoint 7 Capacity building and knowledge transfer to respective staff (Activity T0 + 15 to be driven by the Department) ` ` 8 Department/ Payment Enabler to take initiatives to educate the T0 + 45 customers as well as their staff to pay and accept transactions through the integrated digital payment mode ` ` 4 | P a g e © 2018 PricewaterhouseCoopers Pvt. Ltd. Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department Step 3 Step 5 Department and Step 2 payment enabler to IT Team or the Step 1 Department to initiate Step 4 agree upon Technology Internal discussions discussions with their Payment Enabler to commercials and Service Provider within department Acquiring Banks/Payment initiate for any technical to conduct a test for appropriate Aggregators/NDML/NPCI procurement parameters transaction approvals 3 4 1 2 Step 6 5 After successful test transaction Department ready to accept digital 6 payment at Steps for Digital Payment touchpoint Integration with Department Step 7 Capacity building 7 and knowledge transfer to respective staff 8 Step 8 Department/ Payment Enabler to educate the customers and staff 5 | P a g e © 2018 PricewaterhouseCoopers Pvt. Ltd. Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department Bharat Bill Payment System (BBPS) Integration Procedure for On-boarding on BBPS Timelines 1 Default BBPOUs: The Dept. has to select maximum of two T0 authorized BBPOUs/entities authorised by RBI for participating in the BBPS Scheme (BBPOUs list - Annexure 1) 2 Biller Consent: Dept. must submit the Biller Consent Form (Form T0 + 2 where the Biller/Utility gives consent to an entity to participate in BBPS) to the concerned or default BBPOUs/NPCI (Format delineated in Annexure 2) 3 Communication: Integration with chosen entity and ensure T0 + 11 communication with BBPOU over secure channel. 4 Bill Information: The Dept. to provide bill information parameters T0 + 21 to the chosen entity/BBPOU. After On-boarding Timelines 5 Bharat Bill Pay Brand: The Biller must advertise the Bharat Bill Pay T0 + 30 logo on their Bills and on their website as per format shared in Annexure 3 6 Credit Account: Credit the Customer account on the day of payment NA transaction receipt Step 3 Step 5 Step 1 Integration with chosen entity The Biller must Department to select Step 2 Step 4 authorized advertise the Bharat Submit the Biller Dept. to ensure Department to provide bill Bill Pay logo on their BBPOUs/entities to Consent to the communication with information parameters to Bills and on their BBPOU over secure participate in BBPS concerned the chosen Entity/BBPOU website Scheme BBPOUs/NPCI channel 1 2 3 4 5 Step 6 Credit the Customer account on the day of 6 payment transaction Steps for BBPS receipt Integration 7 6 | P a g e © 2018 PricewaterhouseCoopers Pvt. Ltd. Promotion and Product Enablement Plan for Digital Payments - Haryana Public Health Engineering Department 2. Digital Payment Product Promotion: This section details the promotional initiatives which the Power Department can take in order to cascade the awareness for digital payments among all stakeholders. Please note that the all suggested promotion modes and costings mentioned are indicative. Departments may choose to add or subtract outreach
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