National Common Mobility Card (NCMC Rupay Card)

National Common Mobility Card (NCMC Rupay Card)

National Common Mobility Card (NCMC), is an inter-operable transport card conceived by the Ministry of Housing and Urban Affairs of the Government of India. It was launched on 4 March 2019. The transport card enables the user to pay for travel, toll duties (toll tax) , retail shopping, and withdraw money.

It is enabled through the RuPay card mechanism. The NCMC card is issuable as a prepaid, debit, or credit RuPay card from partnered banks such as the State Bank of India, Bank of India, Punjab National Bank, and others.

The Reserve Bank of India (the Bank) took the first step towards encouraging reforms in the payments and settlements system in the country to promote contactless payment by waving off the need for two factor authentication for transactions less than Rs 2,000 through cards. Multiple players have introduced their version of contactless payments but the most promising would be the one where the customer can make a payment through a simple gesture within a fraction of second (Quick Tap).

Ministry of Urban Development sensed these technological advances and felt it was the right time to offer standards which operators can adopt and offer ubiquitous payments across the country. They released the NCMC guidelines (based on open loop RuPay Contactless specifications) with the vision to have a National common mobility card that will operate across all open loop payment infrastructure.

RuPay Contactless specification is a dual interface specification which can be used to issue dual interface card. Apart from the standard online contact POS, ATM and E-commerce transactions these cards can also be used to perform offline contactless (Quick Tap) transactions for speed and convenience. The key features of RuPay Contactless are as under:

  1. It supports online (contact & contactless) & offline (contactless only) transactions
  2. There are dedicated storage areas for merchants/operators to offer services through the same card along with a stored value (Card balance) which is used for offline contactless transactions
  3. It contains the provision of topping up the stored value (card balance) with Cash at customer service point at the option of the issuing entity.
  4. It can be used for transit, toll, parking, merchant payments & all such similar low value payments
  5. RuPay Contactless card can be issued as debit, credit or prepaid with stored value (Card balance)
  6. Since the transaction is permitted against available balance, there is no opportunity of any loss to the bank.

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