Customer FAQs

Consumer Client Application (Android Version) is a mobile money application that works on all smart phones that support Android 2.0 OS. This application helps the consumers to manage financial/non-financial services.

Consumer Client Application (Android Version) can be installed in all smart phones that support Android 2.0 OS and IOS.

Application on their mobile and access the financial/non financial services.

No, you need not have a GPRS plan to use the application. The application uses SMS for which the standard rates as per your operator will apply.

Your consumer application account and customer digital payments will remain secure even though you lose the mobile phone, since your application password and transaction MPIN are known only to you.

You can visit the Google Play store depending on your phone and search for consumer client application by using the keyword consumer app. You can click on install and download the app.

You will need an active internet service (2G / 3G / 4G / Wi-Fi) to use consumer digital money application.

The following services will be available on Consumer Client mobile app are:

• Merchant payment
• Balance Inquiry
• View your statements
• Change and forgot MPIN

If you are an Indian national having a mobile number and above the age of 18 Years, then you are eligible to download and use the consumer application services.

1. Start the consumer digital application installed on your mobile phone.
2. The customer registers to the services through Customer App
3. Customer has to provide the following information an upload required identification

Documents for verification and processing.

• First Name
• Last Name
• Mobile Number
• Date of Birth
• Gender
• ID Type
• ID Number

4. Click Next

On successful validation, you will receive a push notification as your application has been registered successfully.

5. The customers registered are supposed to activate the account.
6. On main login screen click on activate & provide the following information:

• Mobile Number
• Set MPIN
• Confirmation of New PIN
• Mothers Birth Date (the answer to your mothers date of birth query is kept as a secret answer which will be used as your identification for all future references)
• Customer Date of Birth
• Click Next.

7. A screen next appears with Issuers Terms and Conditions
8. Review the terms and conditions and press Confirm.

On successful validation, you will receive a message as your account has been successfully activated.

You are now ready to use Consumer Application.

You can still register. Your registration will be queued and a back office team will investigate the matter. You will be informed whether your account was successfully registered or declined. In case your registration was declined, you can still register with a different mobile number.

You must always inform customer care of your change in mobile number so that your account can be delinked from your old number and linked to your new one. In case you forget to do so, and your old mobile number is reissued to somebody else, the new customer will not be able to access your account since he/she does not have your MPIN.

Your digital consumer application account will remain secure even though you change the mobile phone, since your application password and transaction MPIN are known only to you. For the latest information on handsets that support the application, visit our website.

Yes. You are allowed to register for more than one account.

To activate your account, Click ACTIVATE tab on the main login screen. Provide the necessary information & set new MPIN and confirm the issuer’s terms and conditions. In response, you will receive a message as your account has been successfully activated.

No, you need not activate your account again if it is already activated through Consumer Mobile Application. The process remains the same irrespective.

Please re-try logging in after some time; it happens due to technical error or network connection sometimes. You can login with the same user Mobile Number & MPIN which you created by tapping on the Activate in the app.

To use Consumer Client digital applications, the Customer has to first get registered to services. Customer has to provide all the necessary information and Upload required identification documents for verification and processing.

Currently, there are no charges. However, since the app uses internet services, the charges for internet data as charged by your mobile operator will apply.

No, OTP is not a mandatory requirement for registration of online consumer application.

Please re-try logging in after some time. You can login with the same registered for the service mobile number & MPIN which you created by tapping on the Activate in the app.

If your app unexpectedly quits, stops responding or wont open, then try the following:

• Close the app and restart it again
• Kill all running apps and try restarting again
• Turn off your device and switch it on. Then try to launch the app
• Make sure you are using the latest version of the app
• Delete and reinstall the app
• Make sure you have a working data plan on your carrier’s network or Wi-Fi connection with internet access

If the MPIN is not being accepted by the system, please check for the following and try again

• Enter the MPIN in 4digit length
• Enter alphanumerical MPIN
• Sequential number: For e.g. 1234 or 6789 are not allowed
• Repetitive: For e.g. 1111 or 7777 are not allowed

No, there is no minimum balance requirement.

Yes, Customer App has max balance check of 10,000 in his account.

No, sending digital money through mobile banking solutions happens instantly and in real time, so it cannot be cancelled, the same way that an internet banking transaction cannot be cancelled.

No, you have to fund the wallet before using it for any transactions or money transfer solution since it is a prepaid wallet.

Change MPIN is a feature in the digital money application that allows you to change your current MPIN on-demand. You can change your MPIN by providing your current MPIN and then setting a new MPIN. After validating that the information is correct, your MPIN will be changed and you will be notified with a successful message.

Yes, you can change your 4 digit MPIN number in spite of knowing your current MPIN for security reasons. You need to specify a new 4 digit MPIN and also enter you current MPIN.

No, it’s a non financial transaction since you will not be charged any fees for changing your MPIN.

You can change your MPIN any number of time or whenever you need for security purpose. There are no restrictions on the number of times you change your MPIN.

No, you will not be forced to change your MPIN. However it is advised that you change your MPIN at regular intervals for security reasons.

MPIN should be numeric and should be 4 digits in length. There should be no spaces between the digits. The new MPIN must not be same as the current MPIN.

Ensure that your MPIN is unique and not easily guessed.

• Never share your MPIN with anyone.
• Do not store your MPIN or other sensitive information on your mobile phone.
• Do not set repetitive or consecutive 4 digits e.g. 1111 or 1234.
• Do not set your date of birth as your MPIN.

MPIN should be numeric and should be 4 digits in length. There should be no spaces between the digits.

• Ensure that your MPIN is unique and not easily guessed.
• Never share your MPIN with anyone.
• Do not store your MPIN or other sensitive information on your mobile phone.
• Do not set repetitive or consecutive 4 digits e.g. 1111 or 1234.
• Do not set your date of birth as your MPIN.

Yes, you can contact respective HR team for queries and request them to unlock your account.

• MPIN should be numeric and should be 4 digits in length.
• There should be no spaces between the digits.

A high level of security is maintained during storage and transmission of secure and sensitive customer data payments. The MPIN entered by you on your phone is not stored anywhere on the phone or in any server. The transmission of the MPIN between you and the system is highly secure.

The current available balance in your account will be displayed directly on the opened main menu screen for easy reference on the digital consumer application. On each successful transaction you will receive a notification on transaction status and updated balance in your account.

Yes, you will get a notification regarding your latest transaction initiated success / failure, after each successful transaction the updated balance in your account shows on the main screen of  Mobile Consumer Application.

If there is balance in your account, then you have to transfer the amount to a bank account or another mobile money  wallet before closing the wallet.

You should provide your mobile number registered to the application & provide the transaction ID related to the specific transaction.

If you have any questions or comments for consumer application Services:

Please contact respective HR team for any help.

OBOPAY is committed to process all refunds within 24 hours.

Please note that banks take 3-5 days to process the refunds. To know more click here.

We take the privacy of our users seriously. To read our Privacy Policy click here.

Click here to read our Grievance Policy.

You can visit our web site to get an updated list of all merchants that accept digital consumer application Services. A merchant accepting mobile consumer Services will also display consumer application Services signage at his store.

Note: (The customers can make the digital payments for only the merchant who is registered for the same mobile consumer application service)

Show him the transaction receipt that you receive from our application. If there is still a problem, Inform customer helpline with the transaction ID that you got for that payment.

Consumer application Services  is completely safe and secure. When you activate for consumer application Services, You will set your MPIN ( Mobile Personal Identification Number) to access the application and to authorize every transaction.

All transactions are also required to originate from your mobile phone number, offering a further level of authentication. Even if you lose your mobile phone, your money always remains safe & protected. Only accept (digitally) signed applications and do not tamper with your application.