How to Register for IPPB Merchant App, ID & Current Account

Why IPPB Merchant Account Matters for Small Businesses

Running a small shop today is very different from a few years ago. Nowadays, almost every customers expect digital payment options after 2020, such as UPI, QR codes, or even Aadhaar-based transactions.

They simply ask Do you accept online money? Many kirana stores and tea stalls lose customers because they don’t accept cashless payments.

That’s where the India Post Payments Bank (IPPB) Merchant Account comes in. It allows people like you to accept online digital banking without high costs, extra hardware, or complicated paperwork. All you need is your smartphone and an active internet pack.

Who Can Become an IPPB Merchant

The beauty of IPPB’s merchant service is that it’s built for everyday shopkeepers. You don’t need a big store or fancy setup. If you run any of these, you qualify:

• Kirana or ration store
• Tea or snack stall
• Food kiosk
• Recharge or mobile shop
• Small travel agency
• tyre puncture shop or mechanic
• Local service providers like photocopy shops or repair centres

Basically, if you accept money from customers, you can become an IPPB merchant. It is designed to provide service to 60% of unorganised retailers and outlet owners that had little or no access to and knowledge of digital payments and fear spending lots of money.

What You Need Before Registration

To become an IPPB merchant, the first and foremost requirement is, you must have to open a current account with India Post Payments Bank; without this account,

You cannot activate the Merchant App. Along with that, you need:

• Aadhaar card (linked with your mobile number)
• PAN card
  Fingerprint to verify aadhaar
• A smartphone with Android version 5.0 or above
• Business address proof (if required)
• GST number (if available)

The First step: How to open an IPPB Merchant Account

This account is different from a savings account and is specifically designed for business transactions. This is the backbone of your merchant profile. All payments your customers make will settle directly into this account.

You can open it in two ways –

1. Doorstep banking – You have to make a call to their official numbers 155299 or 033-22029000 to request to book a meeting, a postman or GDS (Gramin Dak Sevak) will come to your shop or home to help with account opening.
2. Visit Your Area Post Office – Simply take a short walk to your nearest IPPB Post office or branch with a few required documents to complete your KYC, and your account will be activated within 24 hours. The banking account details, merchant ID will be sent to you via SMS on your phone.

Note: Since December 1, 2021, the opening of Current Accounts has been temporarily halted by IPPB. They will announce when services restart. In 2025, the bank already has a 10 million customer base, it has happened in just 6 year.

Why a Current Account Makes Sense for Merchants

Unlike a savings account, a current account is designed for businesses. With IPPB, the benefits are even stronger:

• Simple KYC → Aadhaar-based opening makes it quick.
• Doorstep service → Account can be opened from your shop itself.
• Unlimited deposits/withdrawals within free limits.
• Digital payments ready → Linked with UPI, QR, and Aadhaar Pay.

It’s a low-cost way for small shopkeepers to go cashless without worrying about hidden fees.

What Is the Minimum Balance in the IPPB Current Account

One of the biggest advantages is for you and other mechants is it comes with zero minimum balance annually and monthly. Merchants don’t need to worry about penalties or extra charges if the account balance drops to zero.

Understanding IPPB Current Account Charges

While there’s no balance requirement, here are some charges merchants should know:

• SMS Alerts → ₹0.25 + GST per SMS (capped at ₹50/quarter).
• Virtual Debit Card → ₹25 for issue, reissue, and annual fee.
• Cash Deposits → Free up to ₹10,000/month; beyond that, 0.5% (minimum ₹25).
• Cash Withdrawals → Free up to ₹25,000/month; beyond that, 0.5% (minimum ₹25).

For most small businesses, these charges are negligible compared to the convenience.

Downloading the IPPB Merchant App

After opening an account, you have to download the merchant app; however, it is only available for Android users, IOS app is still under development as per the India Post official site.

1. Open your Play Store app and search to find your Merchant app.
2. It already has 10 lakh downloads, so simply tap on the install button.
3. Once installed, open the app and begin the registration process.

What are the steps to register for the First Time?

Here’s what happens when you open the app for the first time:

1. Open the Merchant app and accept the welcome message.
2. On the Login page, tap on New User Activation.
3. Enter your User ID (your mobile number).
4. Now, you will receive a 6-digit OTP on the same number to verify your current account.
5. Enter the OTP and tap submit.
6. Set your new and strong password.
7. Log in with your User ID and the newly created password. Furthermore, you can set 4-digit mpin and a fingerprint sensor for access anytime.

Exploring the App India Post Merchant Dashboard

After logging in, your Merchant Dashboard will open. Here, you will find:

• Merchant ID (unique identifier like 807523212@postbank).
• Sale Button: You can accept payments via aadhar fingerprint, IPP QR Card scanning, Cash entry, and account number.
• Transaction History for tracking past payments.
• Void Button to refund money to customers.
• Profile Menu for Merchant ID, language change, or password reset.

What Is a User ID or Login ID in the IPPB Merchant App

In simple words, your User ID is your current account-linked mobile number. This number acts as your login username for the merchant app. It is required to register and create a new password.

What Is a Merchant ID and Where Do You Find It?

After registration, you will notice two identifiers inside the app:

• Merchant ID (MID) → A numeric code that identifies your account with IPPB. Used mainly for internal processing and support.
• Merchant UPI ID (VPA) → This is customer-facing, usually in a format like:
  72000012@postbank or 807523212@postbank
  This is the ID customers use to pay you via UPI.

To find your Merchant UPI ID and MID, you have to open your app, tap on the menu in the right side header, and tap on the profile details button.

IPPB Merchant Account Limits and Charges

One key benefit of IPPB Merchant Services is that there are no hidden charges for onboarding, downloading the app, or accepting payments.

However, transaction limits are set for security and regulatory compliance:

• Per Transaction Limit: ₹10,000
• Daily Limit: ₹25,000
• Monthly Limit: ₹1,00,000

This applies to UPI-based transactions linked with your Merchant VPA (Virtual Payment Address).

How Refunds Work with the Void Facility

Mistakes happen — a duplicate payment, a wrong entry, or a customer dispute. The IPPB Merchant App has a Void button to handle refunds quickly to your existing customers.

Steps to refund:

1. Tap on Void in the dashboard.
2. Enter the Transaction ID (RRN) from the transaction history.
3. Confirm customer and payment details.
4. Enter OTP for verification.
5. Refund gets processed instantly back to the customer’s account.

There are no charges for using the Void facility.

Merchants Additional Questions