Instant Money Transfer

VLE User Manual

Service Features:

Instant Real Time Money Transfer to all Banks using IFSC Code and Account
Number
No Requirement of registration of beneficiary or beneficiary details
Beneficiary registration option also available for frequent customers
Rs 10,000 money transfer per customer to any bank account per month with
no KYC documentation
Rs 25,000 money transfer per customer to any bank account per month with
Full KYC documentation
No need to sign with any bank as Business Correspondent
Direct connectivity to NPCI and best success rate
Easy wallet top-up using the VLE wallet.
Earning Potential for VLEs during Wallet Top-up.
Remittance can be done from apna.csc.gov.in.

Process for Using Money Transfer Service

Step 1: VLE would log in to apna.csc.gov.in with his OMT ID and password.

Step 2: In Detailed Services the VLE would get an option of Money Transfer Service

The VLE can now transfer money in 3 easy

steps: Wallet Creation
Wallet Top-up
Money Transfer

Wallet Creation:

Wallet Creation(Cont.):

Step 1: The VLE would enter the customers mobile number.

Step 2: The customer would receive an OTP on his mobile.
Step 3: The VLE would enter the verification code (OTP) along with a few personal
details like Name, Address, DOB etc and click on Submit.

Wallet Creation(Cont.):

Wallet Creation(Cont.):

Step 4: The customer would receive a confirmation message, that the wallet has been
created. VLE would also be shown a message that the wallet has been created
successfully.

Full KYC Wallet Upgradation (Cont.):

If the customer wants to upgrade his wallet to full KYC, the VLE would need to verify the original
documents(ID and Addess Proof List of documents are given on the next slide) and send the hard
copy to Oxigen for processing.

1.
2.
3.
4.
5.

The VLE must do the following:Mention the VLE ID on the documents

Customer Mobile Number (Wallet ID) must be mentioned on the documents
VLE would have to write originals seen and verified.
VLE would sign the documents.
VLE would stamp the documents.

The document is then sent by the VLE to the following address:

Oxigen Wallet KYC Team,
Oxigen Services India Pvt Ltd
264 Phase-I, UdyogVihar
Gurgaon
Haryana 122016
Post verifying the documents the limit of the customer wallet would be increased.

List Of Valid Documents

Any one of the following Documents for both ID and Address Proof:

Passport

Voter's ID Card

Aadhaar Card

Driver's license (Learner's license is not acceptable)

Ration card which has a photograph of the applicant

Alternatively
Any one of the following Documents for ID Proof:

PAN Card

PSU/Government Department/Defence ID Cards

Photo Credit Card (not expired and must be primary cardholder)

Along With
Any one of the following Documents for Address Proof:

Bank Statement or Credit Card, or a statement issued by any Financial Institution or intermediary under the scope of Prevention of
Money Laundering Act provided the account is live and the statement is not more than 3 month old

PAN intimation letter

Municipal tax/Water bill less than 1 year old

Income tax/Wealth tax assessment order

Copy of any Utility bill eg: Electricity bill/Telephone bill/Mobile Telephone bill showing residential address(not more than 3 months
old)

Any document or communication issued by any authority of Central Government, State Government or local bodies showing
residential address.

Registered Lease Deed

Letter issued by an employer(reputed MNCs, Large Corporates, Government Institutions as per pre-approved list)

Wallet Top up:

Step 1: VLE would be shown a
screen where he would confirm
the customer mobile number and
amount. On the same screen
he/she would enter his/her VLE
wallet password and confirm.

Wallet Top up(Cont.):

Step 2: The topup would be done instantly and the VLE can handover the
receipt to the customer.

Money Transfer:

Money Transfer:

All Money Transfers (wallet to wallet, wallet to bank) would be free and exact
amount would be debited from wallet and transferred to other wallet or bank
account. This means that amount on customer wallet is as good as cash amount.

Money Transfer:

Step 1: VLE would be shown a screen where there would be four options:Wallet to Wallet
Wallet to Bank using MMID and Mobile Number
Wallet to Bank using Account Number
Manage beneficiaries
Step 2: VLE would be shown a screen where he would be asked to enter
customers username and password.

Wallet to Bank using Account Number:

Step 1: VLE would ask the customer to login with his credentials.
Step 2: VLE would be shown a screen where he would be asked to enter the
beneficiarys bank and account number and amount. VLE might have to enter the
beneficiary banks IFSC code if the bank selected is not among the banks which
have a single IFSC code.

Wallet to Bank using Account Number(Cont.):

Step 3: An OTP would be sent to the customer mobile.

Step 4: VLE would be asked to confirm beneficiarys bank, account number,
amount and enter the OTP received by the customer.
Step 5: The money would be transferred and a confirmation message would be
sent to the customer and the beneficiary.
Step 6: The VLE may handover the receipt to the customer.

Wallet to Wallet Transfer:

Step 1: VLE would ask the customer to login with his credentials.
Step 2: VLE would be shown a screen where he would be asked to enter the
beneficiarys mobile number and amount.

Wallet to Wallet Transfer:

Step 3: An OTP would be sent to the customer mobile.

Step 4: VLE would be asked to confirm beneficiary mobile number, amount and
enter the OTP received by the customer.
Step 5: The money would be transferred and a confirmation message would be
sent to the customer and the beneficiary.
Step 6: The VLE may handover the receipt to the customer.

Wallet to Bank using MMID and Mobile

Number:

Step 1: VLE would ask the customer to login with his credentials.
Step 2: VLE would be shown a screen where he would be asked to enter the
beneficiarys MMID and Mobile Number and amount.
Step 3: An OTP would be sent to the customer mobile.
Step 4: VLE would be asked to confirm beneficiarys MMID and Mobile number,
amount and enter the OTP received by the customer.

Wallet to Bank using MMID and Mobile

Number:

Step 5: The money would be transferred and a confirmation message would be

sent to the customer and the beneficiary.
Step 6: The VLE may handover the receipt to the customer

Manage beneficiaries:

VLE may register frequent beneficiaries for customers to ease the money transfer
process.
Step 1: VLE would ask the customer to login with his credentials.
Step 2: He would get an option to either register new beneficiary or see the list of
beneficiaries
Step 3: VLE would select the mode of transfer and enter his credentials again.
Step 4: VLE would enter the beneficiary details and click on register.

Manage beneficiaries(Cont.):

Step 5: On selecting Registered Receivers on the top left of the screen the VLE
would be able to view all the registered beneficiaries of the customer. He would
just click on transfer and enter the amount the transaction would be completed

Limits

CUSTOMER CARE:
Please find below the types of complaints and their SLAs for the same:-

Sr. No. Resolution

1.

Oxigen Money Transfer

Time out Transaction
Successful transaction but
beneficiary account not credited

2.

SLA

Wallet Creation related issues/

Balance Related Issues.

Time Out Transaction SLA 7

days
Beneficiary not credited SLA 7
business days
SLA 2 Business Days

Thank You