Re: Yono Sbi Merchant App Download

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Jul 13, 2024, 11:47:55 PM7/13/24

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YONO SBI Merchant App: A Complete Guide for Merchants

If you are a merchant who wants to accept digital payments from your customers, you might have heard of YONO SBI Merchant App. This app is a simple and convenient solution for all merchants to manage and operate their businesses more efficiently, directly from their smartphones anytime, anywhere. In this article, we will explain what YONO SBI Merchant App is, what are its features and benefits, how to download and install it, how to use it, how to manage and operate your business with it, and how safe and secure it is. By the end of this article, you will have a clear idea of how YONO SBI Merchant App can help you grow your business and serve your customers better.

What is YONO SBI Merchant App?

YONO SBI Merchant App is a mobile application developed by SBI Payment Services Pvt Ltd, a subsidiary of State Bank of India (SBI), the largest bank in India. The app is designed to facilitate merchants to accept payments through various digital modes like NFC cards, YONO app, QR codes, and UPI. The app also allows merchants to function as a "Chhota ATM" and enable customers to withdraw cash via YONO app. The app is compatible with Android version 8 and above.

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Features and benefits of YONO SBI Merchant App

YONO SBI Merchant App has many features and benefits that make it a smart choice for merchants who want to accept digital payments. Some of them are:

No additional hardware needed: You can convert your own android smartphone into a PoS terminal and accept payments without any extra device or equipment.

Better cash management and speedy payments: You can avoid the hassles of handling cash, keeping the record of charge slips, or waiting for settlement. You will receive notifications in-app for every transaction and get auto settlement at the end of the day with payment received by T+1.

Multiple payment options: You can offer your customers various payment options such as Tap to Pay, YONO Sale, Bharat QR, and YONO Cash. This will enhance customer convenience and satisfaction.

Add and manage sub-users: You can add and manage multiple sub-users through the app and assign them different roles and permissions. This will help you delegate tasks and monitor your business performance.

View transactions and reports: You can view your transaction history, get detailed MIS, download settlement reports, and analyze your business trends through the app. This will help you track your sales and revenue.

Raise requests and queries: You can raise new terminal requests, paper roll requests, breakdown requests, enquire pending ticket status, rate on closure, interact with chatbot for instant query response, and get extended support on call center and email through the app. This will help you resolve any issues or doubts quickly and efficiently.

How to download and install YONO SBI Merchant App?

To download and install YONO SBI Merchant App on your smartphone, you need to follow these simple steps:

Go to Google Play Store on your smartphone and search for "YONO SBI Merchant" or scan the QR code or click here.

Select the app from the search results and tap on "Install".

Wait for the app to download and install on your smartphone.

Open the app and register yourself as a merchant by entering your details such as name, mobile number, email id, merchant id, etc.

Verify your mobile number by entering the OTP sent to your registered mobile number.

Create a login PIN and a transaction PIN for the app.

Accept the terms and conditions and complete the registration process.

You are now ready to use YONO SBI Merchant App for your business.

How to use YONO SBI Merchant App?

YONO SBI Merchant App offers you four different modes of accepting payments from your customers. They are:

Tap to Pay

This mode allows you to accept payments from customers who have NFC-enabled cards or smartphones. You just need to enable NFC on your smartphone and ask the customer to tap their card or smartphone on your smartphone. The payment will be processed instantly and you will receive a confirmation message on the app. You can also print or share the receipt with the customer.

YONO Sale

This mode allows you to accept payments from customers who have YONO app installed on their smartphones. You just need to enter the amount and select "YONO Sale" on the app. The app will generate a QR code that you can display to the customer. The customer can scan the QR code using their YONO app and confirm the payment. The payment will be processed instantly and you will receive a confirmation message on the app. You can also print or share the receipt with the customer.

Bharat QR

This mode allows you to accept payments from customers who have any UPI-enabled app installed on their smartphones. You just need to enter the amount and select "Bharat QR" on the app. The app will generate a QR code that you can display to the customer. The customer can scan the QR code using their UPI app and confirm the payment. The payment will be processed instantly and you will receive a confirmation message on the app. You can also print or share the receipt with the customer.

YONO Cash

This mode allows you to function as a "Chhota ATM" and enable customers to withdraw cash using their YONO app. You just need to enter the amount and select "YONO Cash" on the app. The app will generate a QR code that you can display to the customer. The customer can scan the QR code using their YONO app and confirm the withdrawal. The withdrawal will be processed instantly and you will receive a confirmation message on the app. You can also print or share the receipt with the customer.

How to manage and operate your business with YONO SBI Merchant App?

YONO SBI Merchant App also helps you manage and operate your business more effectively by providing you various features such as:

Add and manage sub-users

You can add and manage multiple sub-users through the app and assign them different roles and permissions such as cashier, manager, owner, etc. This will help you delegate tasks and monitor your business performance.

View transactions and reports

You can view your transaction history, get detailed MIS, download settlement reports, and analyze your business trends through the app. This will help you track your sales and revenue.

Raise requests and queries

You can raise new terminal requests, paper roll requests, breakdown requests, enquire pending ticket status, rate on closure, interact with chatbot for instant query response, and get extended support on call center and email through the app. This will help you resolve any issues or doubts quickly and efficiently.

How safe and secure is YONO SBI Merchant App?

YONO SBI Merchant App is a safe and secure app that uses advanced encryption and security protocols to protect your data and transactions. Some of the security features of the app are:

Login PIN and transaction PIN: You need to enter your login PIN every time you open the app and your transaction PIN every time you initiate a transaction. This ensures that only you can access your account and authorize transactions.

NFC encryption: The NFC communication between your smartphone and the customer's card or smartphone is encrypted using AES-256 algorithm. This ensures that no one can intercept or tamper with your data.

QR code encryption: The QR codes generated by the app are encrypted using RSA-2048 algorithm. This ensures that no one can decode or duplicate your QR codes.

Data protection: The app does not store any sensitive data such as card details, UPI details, etc. on your smartphone or on its servers. All data is transmitted securely using SSL/TLS encryption.

Fraud prevention: The app has various fraud prevention mechanisms such as velocity checks, device binding, geo-fencing, etc. to prevent any unauthorized or suspicious transactions.

Conclusion

YONO SBI Merchant App is a mobile application that enables merchants to accept digital payments from their customers through various modes such as NFC cards, YONO app, QR codes, and UPI. The app also allows merchants to function as a "Chhota ATM" and enable customers to withdraw cash via YONO app. The app is easy to download and install, and provides various features and benefits such as better cash management, speedy payments, multiple payment options, sub-user management, transaction and report viewing, request and query raising, etc. The app is also safe and secure, using advanced encryption and security protocols to protect data and transactions. YONO SBI Merchant App is a smart choice for merchants who want to grow their business and serve their customers better.

FAQs

Here are some of the frequently asked questions about YONO SBI Merchant App:

What are the charges for using YONO SBI Merchant App?

There are no charges for downloading or installing YONO SBI Merchant App. However, there are nominal charges for accepting payments through the app. The charges vary depending on the mode of payment and the amount of transaction. You can check the latest charges on the app or on the website.

How can I get a physical PoS terminal from SBI?

If you want to get a physical PoS terminal from SBI, you can raise a request through the app or contact your nearest SBI branch. You will need to submit some documents and pay a security deposit for the terminal. You can check the eligibility criteria and the documents required on the website.

How can I update my KYC details on YONO SBI Merchant App?

You can update your KYC details on YONO SBI Merchant App by following these steps:

Go to "Profile" section on the app and tap on "Update KYC".

Select the KYC document type and upload the scanned copy of the document.

Enter the document number and expiry date (if applicable).

Submit the details and wait for verification.

You will receive a confirmation message once your KYC details are updated.

How can I contact customer care for any issues or queries related to YONO SBI Merchant App?

You can contact customer care for any issues or queries related to YONO SBI Merchant App by using any of these methods:

Call on toll-free number 1800 11 2211 or 1800 425 3800 or 080-26599990.

Email at custom...@sbi.co.in.

Chat with chatbot "Ask Disha" on the app or on the website.

Raise a ticket on the app or on the website.

How can I give feedback or suggestions for improving YONO SBI Merchant App?

You can give feedback or suggestions for improving YONO SBI Merchant App by following these steps:

Go to "Feedback" section on the app and tap on "Rate Us".

Select the rating out of 5 stars and write your feedback or suggestion in the comment box.

Submit your feedback or suggestion and wait for acknowledgement.

You can also give feedback or suggestions on Google Play Store or on the website.