Merchant Acquiring

Merchant Acquiring is a crucial aspect of the payment ecosystem that enables businesses to accept electronic payments from customers.
The common methods for accepting payments are Point of Sale (POS), Quick Response Code (QR) and Internet Payment Gateway (IPG).
Merchant acquiring through POS, QR and IPG offers several benefits and expands the payment options for customers, enhances transaction security and improves efficiency by reducing cash handling and manual data entry. It also provides merchants with valuable transaction data and reporting enabling them to better understand customer preferences and optimize business operations.
Bank provides electronic payments acceptance facilities to merchants through following modes:

POS (Point of sale)
IPG (Internet Payment Gateway)
UPI – QR

POS (Point of Sale machine)

POS (Point of Sale) machine is an electronic device through which a merchant can receive payments from its customers in exchange for goods or after provision of a service through debit/credit/prepaid cards.
The variants of POS terminals offered to Merchant Establishments are;

Android based POS with Touch Screen and printer (GPRS+WIFI)
Pin Pad based POS with printer (GPRS+WIFI)
Pin Pad based POS without printer (GPRS+WIFI)
Soft POS (NFC enabled Android Phones for tap and pay transactions up to Rs 5000/)

The POS machines shall be provided with the following
Basic Facilities

Acceptance for Master, Visa and Rupay Credit Cards.
Acceptance for Master, Visa and Rupay Debit Cards / Pre-Paid Cards.
Acceptance of UPI QR transactions

Optional Facilities

International Card Acceptance
American Express (AMEX) BIN Activation
MOTO / Card Not Present Facility
Cash at POS

The POS services have been made available at all Branches of the Bank. The Customer willing to deploy a POS machine at its business establishment can visit the branch for availing the facility.
Process for Logging Service related complaints for POS services

In order to meet the expectations of our POS merchants, the services levels for support & maintenance of POS terminals is defined to ensure timely resolution of the complaints and the grievance redressal.
However timely service can only be provided if the complaint logging process is followed.
If a merchant is facing any issue with regard to functioning of POS terminal or requires paper roll supplies, the merchants need to follow any of the below process
Logging Complaint through Call
The merchants can call on below mentioned contact numbers and provide the TID and MID details of the POS. The support staff will provide the required support over call to resolve the issue and in case the issue is not resolved an Engineer visit shall be scheduled at an earliest. A Complaint ticket shall be provided to the merchant which needs to be kept for tracking purpose.

1860 233 2332
040-40426060

Logging Complaint through Mail
The merchants can send a mail to “awl-in.merchanthelpdesk@worldline.com” and provide the TID and MID of the POS terminal and the Mobile Number of the merchant. The support staff shall immediately arrange a call back on the Mobile Number of the merchant to resolve the issue and in case the issue is not resolved an Engineer visit shall be scheduled at an earliest. A Complaint ticket shall be provided to the merchant which needs to be kept for tracking purpose.
Logging Complaint through SMS
To avail the call back facility through SMS the merchant can send an SMS to 56070 as per below format. Once the SMS is received by the support staff a call shall be made to the merchant for providing immediate support
Type HELP and send it to 56070
Request for Paper Roll through SMS
An SMS service has also been provided for requesting paper rolls. The Merchant can send an SMS to 575758 as per the below format and the paper rolls shall be delivered to their location at the earliest.

ROLL<space> 15 digit MID<space>count
e.g ROLL 0340101A0000660 05
In case the problem is not resolved within 24 hrs, you may escalate the issue with your concerned Branch providing the details of the Call (Ticket ID, MID/TID and Date) for immediate redressal of the issues.

IPG (Internet Payment Gateway)

An Internet payment gateway (IPG) is a service that enables the customers (merchants/departments/institutions etc.) to receive payment for their products / services through online portals using various digital modes like Credit Cards, Debit Cards, Internet Banking, UPI, Wallets etc
The facility for providing IPG services have been made available at all Branches of the Bank. The Customer willing to avail IPG from the bank for its business establishment can visit the branch for availing the facility.

Process for Logging Service related complaints for IPG services

If a merchant is facing any issue with regard to functioning of IPG, the merchants need to send a mail to “ipgsupport@jkbmail.com” and provide the MID of the IPG and the Mobile Number of the official handling the IPG services for the merchant. The support staff shall immediately arrange a call back on the Mobile Number of the merchant to resolve the issue.

UPI – QR (With/Without Soundbox)

UPI QR (Scan & Pay) is a digital payment acceptance channel displayed at the merchant establishment to facilitate real time receipt of payments by scanning the QR Code from any UPI linked mobile app. A UPI QR code based payment solution represents a new channel of initiating and accepting payments between buyers and sellers (or consumer and merchants) using mobile phone. UPI QR code transactions are interoperable, hassle free and secure. A single click payment makes the UPI system quite attractive.
Sound box is a small portable speaker designed for payment alerts for UPI QR transactions. When a customer makes a payment by scanning J&K Bank UPI QR code, the Sound box will notify merchants of successful payments with a voice alert. The Sound Box provided by the Bank has various features like

Portable Design : Easy to carry and use on the go
SIM-Based Connectivity: Allows for receiving payment alerts without the need for Wi-Fi or Bluetooth connection
High Quality Sound: Provides clear and crisp audio for alerts and notifications.
Long Battery Life: Ensures extended usage without frequent charging.
User Friendly Interface: Simple and Intuitive controls for easy operation
Compatibility: Works with all Payments apps which support UPI payments.
Multi – Lingual Support

Process for Logging Service related complaints for UPI-QR and Soundbox services

If a merchant is facing any issue with regard to functioning of its QR code or Soundbox the merchants need to contact its base branch through email, phone call or visit. The branch staff shall immediately arrange a call back on the Mobile Number of the merchant to resolve the issue through the service provider.