1. What is the “DMT High limit” product?

With the “DMT High limit” product, end customers who have done E-KYC on Connect can do Money Transfer amounting to ₹ 200000 in a month and ₹ 49750 per transaction.

2. How do I use the “DMT High limit” product?

You must complete the 3 steps before you can use higher money transfer limit for a customer

1. Merchant creation (Onboarding) - one time
2. Customer creation (Onboarding)
3. Customer beneficiary addition

3. What are the various limit on money transfer amount for this product?

• Sender: Maximum ₹ 49750/ per transaction
• Sender: Maximum ₹ 200000 per day
• Sender: Maximum ₹ 200000 per month
• Beneficiary (Receiver) : Maximum ₹ 1000000 per month

4. What are the charges for customers for this product?

• Customer charges are ₹ 1% of the transaction
• Transaction amount ₹ 100-25000: 0.20% of transaction amount.
• Transaction amount ₹ 25001 and above: 0.20% of transaction amount.

5. What are the charges for distributors on this product?

1. Transaction amount ₹ 1-24999: 0.20% of transaction amount.
2. Transaction amount ₹ 25000 and above: ₹ 90

6. What do I need to ensure before getting this product?

1. Merchants need to have a valid biometric device with its RD services and driver installed and paid for.
2. Merchant’s mobile number registered with Eko must be active.
3. Merchant’s name with Eko, Aadhar and PAN must be the same.
4. Merchant’s date of birth with Eko and on Aadhar and PAN must be the same.
5. Merchant’s biometric must be unlocked on Aadhar Portal.
6. Merchant’s, if they are already using yes bank high limit products on other portals, must have the same PAN and mobile number with Eko , that is registered with Yes bank.

7. How do I (Merchant) onboard myself on this product (merchant creation)?

1. Click on DMT High Limit on left-hand side menu.
   • Step 1: Your PAN number will be auto-populated. Enter your gender, date of birth and name.
   • Step 2: Verify your mobile number registered with Eko via OTP.
   • Step 3: Enter your Aadhar number, select biometric device type, serial number. Do biometric authentication with the finger.
2. You are now successfully onboarded.

8. How does customer onboarding (creation) happen on this product?

You can onboard customers only once you (merchant) are successfully onboarded .

1. Click on Send Cash High limit on left hand side menu
2. Enter customer’s mobile number
   • Step 1: Enter customer’s PAN number
   • Step 2: Enter title, customer’s name, date of birth, gender, pincode, city, state and address
   • Step 3: Verify customer’s mobile number with OTP
   • Step 4: Enter customer’s Aadhar number. Ask customer to do biometric authentication by pressing their finger on the biometric device
3. Customer is successfully onboarded

9. What customer must ensure before onboarding themselves on this product?

1. Customer mobile number must be active
2. Customer name on Aadhar and PAN card must be the same.
3. Customer date of birth on Aadhar and PAN must be the same
4. Customer Biometric must be unlocked on Aadhar Portal

10. How does the beneficiary addition happen on this product?

1. In send cash high limit, after entering customer’s mobile number, click on add recipient
2. Verify account details: Add bank, account number, IFSC
3. Add recipient details: Screen will show the name of the owner of the bank account holder entered in the previous step. Verify the name, add title and proceed.
4. Verify OTP: Enter OTP received on customer’s mobile number
5. Beneficiary is successfully added.

11. How does a transaction happen on this product?

1. Go to Send Cash High Limit> Enter customer’s mobile number
2. Click on the recipient from the list and activate
3. Click again on the same recipient
4. Select mode of payment (IMPS, NEFT), amount and secret pin
5. Transaction success screen will be shown

12. What happens in case of failed transaction?

If the transaction is failed or pending refund

1. A message will go to customer for failed or pending refund transaction
2. Customer will go to the merchant for refund
3. Merchant will go to initiate refund section in left hand menu, select the transaction that has status as RA and request Yes bank to generate the OTP
4. Yes bank will send the OTP to customer’s mobile number
5. Merchant will enter the customer’s OTP in the initiate refund section with the TID
6. Refund will be credited instantly

13. For the RA/refund transaction, I have to enter OTP received on the customer’s mobile number on Connect. However, Customer dont have access to that mobile number.

• Raise a ticket on Connect with TID and headline as “Customer lost mobile number on which refund OTP is to be received .

14. Money was credited to the wrong beneficiary account. What to now?

• Raise a ticket on Connect with TID and headline - “Wrong beneficiary account credited”. ₹ 300 to be collected from the end-customer for an indemnity letter.

15. Transaction was successful but money is not credited to beneficiary account

• Raise a ticket on Connect with TID and headline - “Transaction is successful but money not credited”.

16. Transaction is in RA for T+3 days, What to do now?

• Raise a ticket with TID and headline as “ Transaction in RA for more than 3 days”