NCMC

National Common Mobility Card (NCMC)

“RuPay qSPARC Dual Interface Card”
Payment Platforms by NPCI
 Number of Banks covered so far……

Member Banks
Product/
Sr. no. Direct Sub- Total
Platform
Member
1 NFS 101 804 905
2 IMPS 102 137 239
3 RUPAY 98 795 893
4 CTS 266 1162 1428
5 NACH 157 1146 1303
6 APBS 142 778 920
7 AEPS 61 54 115
1300+ Unique Banks on NPCI Platform
out of appx. 1700 Banks
 NCMC Proposition

Metro
Retail Shop

Cab

One Card Restaurants

Buses
Many Benefits

Parking Retail Outlets

ATM / Kiosk
Benefit to the nation

Open Low Value

Standards Payment

Dual
Interface High Vendor
Card Security Agnostic

Data Inter- Stored

Storage Scalability Value
operability
 Benefit to State Transport

• Common standards
• Unified cards with online/offline transaction
• Savings on card lifecycle management cost
• Reduced cash handling & operating cost
• Higher customer loyalty & stickiness
• Provision for creation of Monthly session ticket in
the card
• Provision of issuance of tickets at concession rate
• Support multiple service areas for payment and
non payment capabilities
 Savings to PTOs & Government

Existing Cost Model

• Significant share of Automated Fare Collection System cost towards the total project cost (e.g. 2-4% in
case of metro rail system)
• Fare collection contributes around 4-5% of OPEX
• Risk of cash handling, revenue leakages and manpower management

Savings to PTOs and Government with NCMC

• Standardized transaction processing cost to Financial Institutions
• Reduced fare collection cost contribution towards OPEX
• Simplified revenue handling with minimal pilferage
• Predictable and regulated Intermodal settlements through NPCI
• Better accountability and increased transparency of the system
• Time to market for Interoperable Fare Management System
• Digital trail for all transactions
 NCMC Live Projects

BMTC KMRL Ahmedabad

Smart City
Product Offered The Smartcard card has the Kochi One card is a This card is to be used
functionality of carrying both multipurpose, prepaid for fare payment at
the E-Purse & Pass in one contactless Rupay card BRTS, city bus services
single card. which can be used to and other utilities
travel in metro and also payments in addition to
like normal debit card. day to day retail
payments.
Banking Partner Axis Bank Axis Bank ICICI Bank
Use cases Ticketing and Retail purchase Ticketing and Retail Transit, Utility Services
transactions purchase transactions & Smart City
Issuance process flow
 Online Purchase(Contact & Contactless)

Authentication
Request to issuer
Tap the card Card returned Approval for for transaction
into POS transaction to NPCI

Approval for transaction

and updates balance on card
Approval to acquirer

Transaction goes to Send transaction to NPCI

acquirer switch
Purchase
transaction
 Offline Purchase(contactless)

• Offline contactless transactions up to a threshold of Rs 2000 or a limit set by the issuing

bank, whichever is lower
• The offline contactless transactions shall not need online authorization from the issuer
host and will not require the customer to enter a PIN.
• Contactless transactions above the bank’s threshold and up to Rs 2000 shall require a
PIN, while transactions above Rs 2000 shall be mandatorily conducted over the contact
interface.
 Money Add

Authentication
Request to issuer
Makes the Card returned Approval for
payment to transaction to NPCI
Merchant for
Add Money

Approval to POS for

writing balance on card Approval to acquirer

Transaction goes to Send transaction to NPCI

acquirer switch Acquirer
Card tap into
POS and perform
a money add
transaction
 Service Creation

Authentication
Request to issuer
Card to merchant Card returned Approval for service for service area
with service area creation to NPCI creation .
creation request

Approval for creation and

service is created
Approval to acquirer

Transaction goes to Send transaction to NPCI

acquirer switch
Service creation
transaction
 Process involved for adopting NCMC

• Identify the issuers (banks to issue the cards )

• Select the acquirer(s) (SRTU can identify single/multiple
acquirers.
• Negotiate commercial terms with the acquirers
• Provide the electronic ticketing machine to the conductor
• Create an Automated Fare Collection system ( preferably
centralized)
• Create a settlement and reconciliation system ( preferably
centralized)
• Setup a dispute management/Grievance redressal system (
preferably centralized)
NPCI aims to touch every Indian by with one or the other
electronic payment product and support the
RBI’s vision of a “Less Cash” society.