boAt Pay

boAt Payments Wearable devices are smartwatches or watchstraps manufactured and sold by BoAt. These devices have a card chip placed inside the strap or ring. To tokenise your card, you need to add an Axis Bank Debit or Credit Card to the boAt Crest Pay (boAt payments mobile app). You can transfer the token to the wearable device to make payments by tapping the device on a contactless-enabled POS (point of sale) machine.
Note that Axis Bank Debit and Credit Cards are currently enabled for tokenised payments only via Android devices with NFC (near-field communication) features. You must read the terms and conditions related to the features of the boAt watch on the channel or website from where you buy the smartwatch.

The wearable device has near-field communication (NFC) technology, which enables it to make contactless payments. Tap the strap side of boAt Payment Wearable devices at POS machines with NFC/contactless facility.

You can buy the device from boAt sales channels (boAt official website or other major e-commerce websites) and tokenise (link) your existing Axis Bank Debit or Credit Card on the wearable device. If you do not have an Axis Bank Debit/Credit Card, you can open a bank account:

1. By visiting www.axisbank.com.

2. Visiting the nearest Axis Bank Branch.

On the boAt payment app (boAt Crest Pay), enter your Axis Bank Debit/Credit Card details to initiate tokenisation. Thereafter, enter Axis Bank and Network (VISA, Mastercard, or RuPay) generated OTP (one-time password) to activate the token.

You will require an NFC-enabled Android mobile device to transfer the token from the boAt payment mobile app to the wearable device. You need to ensure the following:

• The NFC feature on the mobile phone enables the transfer of the token to your wearable device.
• Tap your mobile phone on the wearable device/strap to transfer the token from your mobile phone and enable the NFC feature.
• To transfer the token to the smartwatch, you will need your mobile phone device. You do not need to carry your phone every time you want to make a payment using your watch.

To make payments using a boAt wearable device, you should enable contactless transactions and set the limit of the existing Debit/Credit Card through mobile banking.

Access Axis Bank’s Internet banking option, branch channel, phone banking channel, or WhatsApp banking. You must set the PIN for your Debit/Credit Card and enable contactless and e-commerce domestic and international transactions.

For Debit Cards:

a Manage usage Axis Bank Open mobile banking app: Log in to your Axis Open mobile banking app > Services > Debit Card Manage Usage > Select Debit Card > Enable Contactless.

b Manage usage Axis Bank’s internet banking channel: Internet banking login > Dashboard > Cards > Select Debit Card > Debit Card Services > Manage Usage > EDIT.

c Set the PIN for Axis Bank Open mobile banking app: Access your Axis Open mobile banking app > Main Menu > Services & Support > Debit Card: Set/Reset PIN.

For Credit Cards

a. Manage usage Axis Bank Open mobile banking app: Log in to your Axis Open mobile banking app > QUICK LINKS > Credit Card > Select Credit Card > Select Credit Card Manage Usage > Enable Contactless/Tap and Pay.

b. Set the PIN for Axis Bank Open mobile banking app: Access your Axis Open mobile banking app > QUICK LINKS > Credit Cards > Select Credit Card > Control Centre > Set PIN.

All transactions above ₹5,000 will require a PIN. You must set the PIN of your Debit/Credit Card using your mobile banking app, internet banking or ATM channel.

boAt will address all issues related to hardware, software, payment, and chip.s Contact boAt or the merchant from whom you purchased your device. Refer to the Help/Support section on the boAt Crest Pay app.

Axis Bank will address any issues related to payment, authorisation, payment fraud on the device, and incorrect amount debits. Connect with Axis Bank’s customer care team to raise a service request under Debit/Credit Card section.
Phone Banking: 1860-419-5555/1860-500-5555 (Charges applicable as per the service provider); 1800-103-5577 (toll-free); +91-22-67987700 (if calling from outside India).

Delete the token generated against any card by using the boAt Crest Pay app.

Delete the token using the boAt Crest Pay app and disable domestic and international contactless and e-commerce transactions of the tokenised Debit or Credit Card. Raise a Service Request with Axis Bank’s phone banking channel or visit a nearby Axis Bank branch. Call our emergency helpline number at +91-22-67987700 to block your Debit/Credit Card.

You need not pay any extra tokenisation fees or additional card fees for tokenising your Debit or Credit Card on your boAt Payments Wearable device. Normal and existing Debit or Credit Card charges (annual fees and issuance fees) of the plastic/virtual Debit/Credit Card will be applicable as usual. The cost of boAt Payments Wearable device will be mentioned on the channel, website or store from where you make the purchase.

If you do not have an Axis Bank Debit or Credit Card, you cannot make payments using the device.

Connect with the boAt customer care team for any issues related to your device’s hardware or software. Axis Bank’s customer care team can help with any issues related to payment processing.

You can generate only one token against each card and transfer the token to a single device.

One boAt Payments Wearable device can have one token from a single Axis Bank Debit or Credit Card.

• Immediately delete the token on the boAt payments app.
• Disable domestic and international contactless and e-commerce transactions of your card via Axis Bank’s mobile banking app.

The same card number as your existing Debit or Credit Card, which you used to generate a token, will be displayed on the boAt Crest pay app. The app displays the last four digits of your card.

These details will be per the terms and conditions of boAt, or the e-commerce platform/store where you made the purchase. This is mentioned at the time of purchase.

These details will be as per the terms and conditions of boAt, e-commerce platform or store channel and are mentioned during purchase.

This depends on the terms and conditions of boAt, the e-commerce platform, or the store from which you prefer to buy your device. You will learn about this during the purchase.

You can delete the token and re-tokenise your card.

You cannot transfer the device from one wearable device to another.

To activate the token, you can use the OTP (one-time password) received on your mobile number registered with Axis Bank.

Your Axis Bank Debit or Credit Card and account are completely safe. According to the Reserve Bank of India’s guidelines, they are not shared or saved with any other merchant, vendor, or partner.

Tokenisation refers to replacing actual card details with a unique identifier called the token. This is unique for a combination of card, token requester (i.e., the entity that accepts the customer’s request for tokenisation of a card and passes it on to the card network to issue a corresponding token), and merchant.

A tokenised card transaction is considered safer as the actual card details are not stored or shared with the merchant during transaction processing. Earlier, the merchants could store card details such as card number and expiry, leaving sensitive information at risk of misuse.

Post-tokenisation, merchants would store only the token details and not the card details. Actual card details are available only to the issuer (Axis Bank) and network (Visa/Mastercard/RuPay). This means that even if the data gets compromised at the merchant’s end, your card details are safe. Since the token is unique for every merchant, data compromise at one merchant would not affect other merchants, unlike at present where you are advised to replace your card. 

a. For the retail banking segment, call 1860 419 5555/1860 500 5555
b. For the Burgundy segment, call the exclusive toll-free number at 1800 419 0065 
c. For Burgundy private segment, call the exclusive toll-free number at 1800 210 8888
d. For further details, visit  www.axisbank.com   

Tokenisation applies per card and merchant. If you want to tokenise your add-on cards, you must generate tokens for them at the merchant website or app.

The last four digits of your card and the bank name are displayed on the merchant app or website. You can identify the card based on these details.  

Once the card is tokenised and the details are stored with the merchant, they will be used to initiate online payments. You will not need your card number to process the transactions. The last four digits and your bank name can be used to identify your card. This helps you make online payments as you currently do using an OTP (one-time password).  

All Axis Bank Debit and Credit Cards can be tokenised on your boAt Payments Wearable devices.

If your existing card is replaced or renewed, the tokens created on it will expire. You will need to tokenise your new card again with your preferred merchants. The tokens are not stored with merchants after your card expires.