User Manual
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Welcome,
Titan Pay powered by Yono SBI is a unique offering for new-age customers who
believe in the power of quick, secure, cashless digital transactions. To bring to you
this first-of-its-kind offering, select Titan watches for men and women, have been
embedded with secure payments chips that will enable you to make contactless
debit card payments right from your watch! Titan has partnered with State Bank of
India to bring this product to our loyal customers in the country.
Once you’ve purchased a Titan Pay watch and linked it to your SBI account, you can
use it to make payments at contactless POS terminals in India.
Fast - Tap your watch Convenience - No PIN/ Secure - Embedded
to pay. Make your Signature required for with a chip that keeps
shopping simple and transaction up to 2000/- your details safe
quick at a time through encryption
We hope this watch simplifies your life and adds convenience to your everyday
transactions.
Thank you for choosing Titan Pay.
Index 03
Index
Features of Titan Pay 04
Setting up 05
Linking Titan Pay to YONO App 07
Enabling & Disabling Payments 10
Making Payments 12
Permanently Blocking Payments 14
FAQs 16
Terms & Conditions 20
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Titan Pay Features 04
Features of Titan Pay
Tap and GO No need of a phone,
battery or PIN to
transact
PIN is not required Up to 5 transactions a
for transactions up to day, with a limit of Rs
Rs 2000/- (As per RBI 2000/- per transaction
guidelines) and daily limit of Rs
10,000/-
Permanently Block Titan Does not require a
Pay watch through the power source (battery)
YONO app. to work
Up to 3 Titan Pay Instantly Enable/
watches can be linked Disable payments
to a single SBI account through SBI Yono App
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Setting up 05
Setting up
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Setting up 06
Install Yono SBI
Mobile App Yono SBI app icon
Download and install the
Yono app from the Google
Play Store or Apple App
Store
Tap to Install
Login into Yono app by
entering the bank login
credentials
Note: You need to have a
KYC completed
savings/current account Yono SBI app
with SBI to be able to use
this Titan Pay watch. You
can instantly open a new
SBI account (Insta Saving
Bank Account) through the
YONO app”.
Visit https://bank.sbi/ for
more details.
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Setting up 07
Linking Your Watch
to SBI Account
After logging in to your
SBI account, Scroll down
Scroll down to
on the homepage to find
a section named Quick
Links and under that
section and 1 tap on
Yono Wearable
Go to 2 ‘My Wearables’
and tap on 3 ‘Link New
Wearable’
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Setting up 08
Unique Reference
Number (URN)
Enter the Unique
Reference Number(URN)
which is present in your
4
watch package.
Also, enter the name for
the wearable. For Eg: Jay’s
watch
4 Select the account to
which the watch needs to
be linked.
5 Tap ‘Link New
Wearable’ once all the
required information is
entered.
Note: The watch can only
be linked to one account
and once linked, it cannot
be linked to any other
account.
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Setting up 09
Unique Reference
Number (URN)
The URN is assigned to
every Titan Pay watch and
is unique to the watch
and also confidential. It
is the responsibility of
the customer/buyer to
NOT share this code with
anyone until the watch
is paired/connected with
his/her SBI Yono account.
Authentication 6
You will then receive an
OTP from SBI, on your
registered mobile no.
Enter the OTP that is sent
by SBI
6Tap ‘Submit’ after
entering the OTP
7 Enable the Titan
Pay wearable to begin 7
transacting
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Enabling & Disabling Payments 010
Enabling & Disabling
Payments
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Enabling & Disabling Payments 011
After successfully linking
your Titan Pay watch,
7 Tap on Go to My
Wearables
8 As shown in the image,
toggle to Enable or
Disable the payments
7
Enter your profile
password to confirm
Note: This can be used if
you want to temporarily
stop making payments
from your wearable. This
is just to ascertain that
your payment wearable 8
cannot be used by
someone else in your
absence. You can enable it Enable
again once you are using
the watch.
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Making Payments 012
Making Payments
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Making Payments 013
1 Look for the contactless 1
logo at the point of sale
2 The cashier will enter
the purchase amount into
the terminal which will be
displayed on the screen
3 To make a payment
through the wearable, 2
tap the strap of the
wearable (as shown in the
image) on the payment
terminal where the NFC 1
4
2
5
3
logo is present. 7 8
A successful transaction
is confirmed by a beep,
printed receipt and an
SMS notification on your
3
registered mobile number.
The NFC chip
is present in
the short strap
Payment
Terminal
Note: Contactless
Payments works only if
the payment terminal
supports contactless
payment and is NFC
enabled.
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Permanently Blocking Payments 014
Permanently Blocking
Payments
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Permanently Blocking Payments 015
Users can permanently
block the Tap and Pay Tap on 3 dot menu 9
option if they wish to do
so.
To permanently block the
payment strap, 9 Tap the
3 dot menu.
User can also block
through SBI contact
center.
Attn: Permanently
blocking the ‘Tap and Pay’
option is Irreversible and 9 Tap on Permanent Block
the customer will not be
able to “Unblock” or make
payments with the watch
later. Hence, the decision
to Block must be taken
only if the customer has
LOST the watch/strap OR
does NOT intend to use
the strap for payment
transactions in the future.
The use of the Enable/
Disable option is advised
for temporary actions
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FAQs 016
Frequently asked
questions (FAQs)
1. How do I activate Titan Pay to make payments?
After you have purchased the Titan Pay watch,
Step 1: Log-in to SBI YONO app
Step 2: Scroll down on the main dashboard and go to Quick Links ->
YONO Wearable
Step 3: Click on My Wearables tab at the top of your screen
Step 4: Click on Link New Wearable
Step 5: Enter the Unique Reference Number (URN) [provided inside
the watch box], assign a name to your watch and choose the bank
account that you wish to link the watch to (any one). Click on Link
New Wearable
Step 6: Enter the OTP (you will receive an OTP on your registered
mobile no.) and click on Submit
Step 7: Enable the watch for the first time (it may be Disabled
initially)
Your Titan Pay watch is now linked to your SBI account.
2. Is Titan Pay safe and secure?
Yes, Titan Pay is safe. Titan uses a secure and certified NFC Payment
chip in collaboration with SBI.
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FAQs 017
3. How do I use Titan Pay watch to make contactless payments?
Titan Pay watch can be used for transacting at Point of Sale (POS)
terminals at merchants’ across the country that are NFC enabled. To
make a payment, tap the 12 o’clock side of the watch strap on the
POS terminal after the merchant has entered the amount.
4. Can Titan Pay be used to make transactions outside India?
No, Titan Pay cannot be used to make transactions outside India.
5. Is there a limit for each transaction amount?
Yes, as per RBI’s guidelines, Titan Pay is a contactless payment
solution and can be used to make transactions with value up to Rs
2,000/- without entering a PIN. For transaction value above Rs 2,000
you will not be able to pay using the watch.
Maximum allowed limit for a day is Rs 10,000
6. How can I temporarily disable payments from my watch?
Go to the “My Wearables” option on the YONO app, click on the
“Enable/Disable” toggle key to Disable it temporarily. You will be
prompted to enter your SBI Profile Password.
To Enable it again, click on the toggle key.
7. Does Titan Pay work with all Point of Sale (POS) machines?
Titan Pay works with the POS machines that accept MasterCard and
are NFC-enabled (look for the NFC logo on the POS terminal).
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FAQs 018
8. What if Titan Pay does not work at a merchant while trying to
make a payment?
Step 1: Ensure that there is no damage to the strap
Step 2: Check if Titan Pay is “Enabled” in the YONO app under My
Wearables section. If it is Disabled, please Enable it.
Step 3: Verify if the merchant’s POS machine accepts Contact-
less payments. You can do so by looking for the NFC logo on the
machine and tap your strap as close to the POS as possible
Step 4: Ensure that the POS machine accepts “MasterCard”. If it
doesn’t, ask the merchant to use an alternate POS machine that
accepts MasterCard.
If it still doesn’t work, please call SBI customer care.
9. What is the “Permanently Block” feature and when should it
be used?
The Permanently Block feature allows you to permanently disable/
stop the Titan Pay watch from making payments. This can be
used if you have lost the watch and want to prevent fraudulent
transactions, or if you no longer wish to use the watch to make
payments, ever again.
Please note that once you Block the watch, it cannot be unblocked
again due to security reasons.
10. Can I link my watch to more than one SBI account?
No, your watch is very much like a Debit Card – it can be linked to
only one account and this cannot be changed.
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FAQs 019
11. Can I link multiple Titan Pay watches to a single SBI account?
Yes, you may link up to 3 Titan Pay watches to a single SBI account.
These can be managed through the SBI YONO app.
12. Can I use Titan Pay to make payments online?
No, Titan Pay can only be used to make payments at physical POS
terminals.
13. How far from the contactless machine (POS) should I hold
the watch?
The distance between the watch and the contactless POS should
be less than 3 cms. It is preferable to tap your watch on the POS
terminal to make a transaction
14. What if I lose my watch? How do I report it?
You can permanently block your watch through the YONO app
or call SBI’s helpline number at 1800 111 101. We request you to
please do this immediately if you lose your watch.
15. In case of queries or to raise a complaint, whom can I contact?
For transactional issues or queries regarding your SBI YONO
account or App,
please call SBI Customer Care: 1800 111 101 |
Email:
[email protected] For general queries,
please call Titan Customer Care at 1800 266 0123 or
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Terms & Conditions 020
Terms & Conditions
These Terms and Conditions apply to and regulate the issuance and
usage of wearable offered by Bank to account holder and/or any person
as may be specified by the account holder. These terms and conditions
(the “Terms”) shall be in addition to any other terms as stipulated by
Bank from time to time.
Definitions
Bank State Bank of India (SBI)
Wearable Titan Pay watch issued to the customer.
Wearable holder A customer who has linked the account
with wearable.
NFC Chip This is a Near Field Communication
wireless chip.
URN Unique reference number.
Titan Titan will provide the Watch along with
the strap to the customer, Strap will have
chip embedded in it.
Enable/Disable Wearable To enable and temporarily disable the
wearable.
Block Wearable To block wearable permanently in case
of loss or stolen.
Customer Branch/Home The Branch, with which Wearable
Branch holder originally established Banking
relationship.
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Terms & Conditions 021
Point of Sale (POS) POS electronic terminals at an merchant
Terminals: in India capable of processing NFC
transactions and at which the Wearable
holder can use wearable to make
purchases by debiting his associated
account with the Bank.
Designated Account: The current or savings bank account
(designated by Wearable holder), to
which all the amounts authorized/dues
payable by the Wearable holder are to be
debited.
Transaction: Transactions include making payment for
purchases made/services availed at POS
only.
Terms & Conditions:
Safe Keeping: Customer should keep the wearable away from POS
machine at the minimum distance of 10 cm to avoid unauthorized
transatctions. Please disable the wearable if not using it and can be
enabled easily by using enable wearable option in YONO App/portal.
Bank or Titan will not be liable for any unauthorized transaction and
it will be risk and responsibility of customer who owns it. Customer
should always check wearable before activation if it is received in good
condition.
Transaction Rules: As per RBI guidelines Maximum limit of Rs.2,000/-
per transaction under Tap & pay option without pin authentication.
Maximum 5 transaction in a day. Transaction limit of Rs.10,000/- per
wearable per day will be applicable. NFC transactions can be done at the
POS terminal where contactless logo is visible.
Loss of Wearable: Please keep a separate note of your unique reference
number and the associated account number in a place readily accessible.
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Terms & Conditions 022
The wearable holder should immediately block the device through the
available SBI YONO Mobile/Portal. The Wearable holder is responsible
for the security of the device and shall take all steps towards ensuring
the safekeeping thereof. Further, in the event, financial liability on the
lost or stolen device would rest with the wearable holder. It would be the
responsibility of the customer to report to the Bank and legal authorities
on any related frauds or any loss of the strap; besides the maximum
liability devolving on the customer, if any.
Validity of the Wearable: The validity of the Wearable will be 5 years if
not damaged/lost/blocked.
Contact Centre: For more information and help, please call SBI’s 24X7
helpline number i.e. 1800-11-1109 (toll-free). Toll free number are
accessible from all landlines and mobile phones in the country.
Other important conditions governing the transactions:
The Bank reserves the right to introduce new facilities or remove existing
facilities as and when warranted, without assigning any reasons thereof.
The Bank is not responsible/liable for the failure of any transactions
made at merchant establishments due to any reason whatsoever or is
unable to avail any facility mentioned herein.
The Bank is not responsible for the refusal of any merchant to accept
or honour the wearable, nor shall it be responsible in any respect for
the goods or services supplied to the Wearable holder. The Wearable
holder shall handle or resolve all claims or disputes directly with
such establishments and no claim by the Wearable holder against
the merchant is subject to a set off or counterclaim against the Bank.
The Wearable holder will collect the Wearable holder’s copy of the
transaction receipt from merchant and will preserve the same for his/her
personal record.
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The Bank, at its discretion, will approve/reject any Wearable transaction.
The Bank shall not be liable for any loss caused by a technical breakdown
of the payment system.
Data: SBI will not share any Personally Identifiable Information (PII) with
Titan.
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