Now, use Uber in India without owning a credit card. Here's how it is done

Taxi-hailing app **Uber** , which raised a whopping $1.2 billion in funding earlier this year, is determined to go all out and capture market share in India despite the major roadblock it hit with the Reserve Bank of India when it insisted on a mandatory two-step authentication system, with a verification code that is sent to a customer via text message or email. So far Uber’s USP has been its convenience as riders could walk away from their Uber car and their credit cards would be automatically billed for the fare. Uber was storing user’s credit card information and automatically deducting the cost of the ride. According to RBI, a two-factor authentication is mandatory for ‘Card-not-present’ transactions in India where one uses the numbers present on the card and is not carrying a physical card, in which case usually a One-time-password is sent to the user via an email or a text message to secure the transaction. In order to comply with this rule, your hassle-free ride just got a lot more complicated as Uber has tied up with Paytm’s digital wallet where in those who want to book a ride will first need to put money into a virtual wallet. This requires downloading a separate application, which is available on Android and iOs devices. The wallets will then be linked to he Uber account.India is the first country where it has made such an arrangement. [caption id=“attachment_226536” align=“aligncenter” width=“640”]  No more credit cards, say Uber and Paytm[/caption] “Once you link your debit card or bank account via a Paytm wallet to your Uber account, you’ll easily be able to top up your wallet using multiple payment options,” Uber said in a statement. The cab sharing service plans on making its services accessible to over 600 million Indians with the new digital wallet. So those who have already registered with Paytm can just link their accounts with Uber. Others will need to sign up with Paytm which involves regulatory steps like verification of a phone number and email address. Once that is done, the wallet can be topped up in multiple ways, including cash deposits at select outlets in India. In other words, while a user will top up their wallet using their card, the actual payment to Uber is now deducted directly from the virtual wallet. And here’s how it works: - The Paytm wallet option is currently available on Android and iOS. - When you register with Uber, you’ll be prompted to add a payment profile. If you already have a Paytm wallet, you may link it to your Uber account. - Click on ‘Payment’ to find your wallet. Then click on ‘Add Money’. The minimum recharge value is Rs 100 - Recharge your wallet whenever you want by using your credit card, debit card or your NetBanking account - Following which you can open the Uber app and request your ride. Everything else remains exactly the same. You’ll be emailed a receipt at the end of your trip with a detailed fare breakdown and the trip route taken. Your fare will be automatically debited from your e-wallet. - Before the two-step authentication process became a rule, all you had to do was Open the Uber app on your phone,.click “Login” if you already have an account, otherwise hit “Register.” Then fill out the information in the requested fields which would include credit card billing info. Then wait for the text to come into your phone after the initial registration is complete. This text will have a code in it. Enter the code into the indicated area to finish registration and then select a location where you want to be picked up. Your phone will automatically start with where you are, but you can move the green pin to any location you want.Select where you want to go either by searching it under the drop-off location, or by moving the pin around and then finally select your time. The final step: Use your slider at the bottom that shows the car in order to select what type of car you want before you submit the request.