Aadhaar-based
Authentication for Card Present Transactions
RBI/2016-17/170
DPSS.CO.PD No.1421/02.14.003/2016-17
DPSS.CO.PD No.1421/02.14.003/2016-17
December 02, 2016
The Chairman and Managing Director / Chief Executive Officers All
Scheduled Commercial Banks including RRBs / Urban Co-operative Banks/State
Co-operative Banks / District Central Co-operative Banks/Authorised Card Payment
Networks / White Label ATM Operators/Payments Banks / Small Finance Banks
Dear Madam / Sir,
Aadhaar-based Authentication for Card Present Transactions
A reference is invited to our circular
DPSS.CO.PD.No.892/02.14.003/2016-17 dated September 29, 2016 wherein
banks were advised to ensure that all new card present acceptance
infrastructure deployed with effect from January 1, 2017 are enabled
for processing payment transactions using Aadhaar-based biometric
authentication also.
2. It has been brought to our notice that the rate of deployment
of acceptance infrastructure has slowed down owing to the mismatch between
demand and supply of such Aadhaar-enabled devices. Therefore, on a review, it
has been decided to extend the time for deployment of Aadhaar-enabled devices
till June 30, 2017. However, banks may continue to make necessary
arrangements, including changes as host-end, network level and device
readiness, as required to ensure adherence to above instructions.
3. Further, it is also clarified that the instructions contained
in our circular dated September 29, 2016 are
for deployment of new card acceptance infrastructure. As regards enablement of
existing card acceptance infrastructure for processing payment transactions
using Aadhaar-based biometric authentication, the timeline will be advised in
due course.
4. This directive is issued under Section 10(2) read with
Section 18 of Payment and Settlement Systems Act 2007 (Act 51 of 2007).
5. Please acknowledge the receipt of this circular.
Yours faithfully,
(Nanda S. Dave)
Chief General Manager
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