| ABOUT Baroda Bill Pay SERVICE |
What is the Baroda Bill Pay Service?
"Baroda Bill Pay" facility is an Electronic Bill Presentment
& Payment (EBPP) Service, which enable the Bank's customers
to see and pay their various bills from the comfort of
their home or office.
Customers can set up an individual limit for each of
the bills with a standing instruction to the bank to pay
and as long as the customer's bill is within the limit
it would be paid without the customer's intervention.
Also he can, with a click of a mouse, make bill payments
to electricity, insurance, telephone, mobile, etc companies
through debit to any of their Bank accounts maintained
at any of the Bank's branches.
The bank is offering the service in association with
BillDesk, a service provider for bill presentment and
payment service.
To Top
Who is providing this service?
The Baroda Bill Pay service is being brought to you by Bank
of Baroda in association with BillDesk, an electronic
payment and collection service bureau. This service is
part of Bank of Baroda various initiatives to leverage
technology for offering convenient services to its account
holders. Using the Baroda Bill Pay service, you can view and
pay your various bills from the comfort of your home -
and you can experience complete freedom from queues and
late-payments.
- Easy accessibility -- all you need is a device (computer,
kiosk) connected to the Internet and you can receive
all your bills, review them and make your payments.
- Easy to use -- a few clicks and you can make all your
payments.
- Complete control -- you can decide when to pay, how
much to pay and also set up when you would like to be
reminded or informed of all your payments.
- Secure -- you perform all you operations in a secure
environment.
It is extremely easy to start using this service. You could
walk into any branch of the Bank and complete a simple Baroda Bill Pay Registration Form (Download
Form) to get started. That's it! While you will
continue to receive your physical bills at your residence/address;
the same can be paid conveniently without having to stand
in queues, writing cheques or sending couriers!
To Top
Where is the Baroda Bill Pay
service being offered?
The Baroda Bill Pay service is currently available for customers
in Mumbai, Delhi, Bangalore, Chennai, Kolkata, Pune, Ahmedabad
and Hyderabad.
To Top
What is the Baroda Bill Pay service offering?
Initially the service offering will consist of the AutoPay
(standing instruction mode) and the Online Pay (payment
through internet) modes. At a later stage the service
shall also be extended to other electronic channels of
the Bank including the Internet Banking, ATMs, Phone Banking
and SMS Banking. Brief description of the various modes
is given below.
Standing Instructions Facility - In each of the
cities where Baroda Bill Pay is offered, customers can set
up Standing Instructions against the various bills that
they wish to pay. These instructions are set up in the
BillPay system so that the desired payments can be processed
whenever the billers raise bills for these customers.
This option is available to all the customers of the Bank.
Online Facility - Alternatively, customers can
log into www.bankofbaroda.com and access the BillPay system
to view their bills and make payments. This option is
available to customers who have access to the Internet
and who choose to login and make payment against each
bill presented to them in the electronic form.
To Top
How does the Baroda Bill Pay Service
help?
This service is available to you round-the-clock - 24
hours a day, 7 days a week and 365 days a year. The Baroda Bill Pay Service essentially simplifies for you the complications
and hassles of bill payment. By providing you the facility
of reviewing your bills online and making the payments
using your existing bank account, Baroda Bill Pay provides
you the power to organise and pay all your bills online
and gives you trememdous control over bill management
and payment records.
With timely e-mail notifications alerting you to due dates
and on payment completion, a range of friendly features
and dedicated customer support to help you through the
process, the Baroda Bill Pay Service ensures that you have
the safest, the most secure and convenient online experience
that you will get anywhere.
To Top
Which billing companies
can I make payments to?
You can make most of your recurring payments through Baroda Bill Pay Service including telephone bills, electricity
bills, cell-phone bills, credit card bills, depository
account charges, insurance premiums and others. See Biller
List to view current list of billing companies to
whom you can make payments.
To Top
How do I start using the
Baroda Bill Pay Service?
You can start and use the Baroda Bill Pay Service by completing
a simple registration process that can be done either
ONLINE (as described in the steps below)
or OFFLINE (by filling out a Baroda Bill Pay
Form) available at the Bank of Baroda branches. Keep your
cheque book with you to complete the registration.
ONLINE REGISTRATION
Click on the Register
link and complete the following steps:
In Step 1, you need to provide us with your personal
profile and contact information, and selecting a unique
user name and password.
In Step 2, you need to furnish details of your
bank account - MICR code of the Bank of Baroda branch,
your name as it appears in your bank account, and the
type of account.
In Step 3, you need to take a print out of the
two forms and complete the following:
- Sign the Registration form sent to you.
- Sign the Payment authorisation form(s) sent to you.
- Please attach the photocopy of a cheque or a blank
cancelled cheque issued by the bank for verifying the
accuracy of the code number.
You can then submit the above documents by dropping them
at your Bank of baroda branch in your city.
You are now all set to experience hassle-free payments
and bill management. Select the billers/payees you wish
to pay and you can start off!
OFFLINE REGISTRATION
In Step 1, you need to complete the Baroda Bill Pay
Form (Download now)
available at any of the Bank of Baroda branches. Please
furnish details of your personal profile and contact information;
along with the details of your bank account - MICR code
of the branch, your name as it appears in your bank account,
and the type of account. You also need to provide the details
of the billers/payees that you wish to make payments to.
In Step 2, you need to sign completed Baroda Bill Pay
form and submit the above documents at your bank branch.
To Top
Do I need to open a new bank account?
No, you do not have to open a new account with Bank of
Baorda to avail this service. This service works with
any of your existing bank accounts with Bank of Baroda
in the city, which has an MICR code (a 9 digit number
that you can see at the bottom of the cheque printed by
your bank). All you need, to do is to furnish your bank
account details in the Registration Form.
To Top
What happens if I have
a dispute with the biller or a specific charge on a bill?
If you have an issue with a biller or a specific charge
on a bill, you will need to contact your biller directly,
just as you do today. We will assist you in this process
by providing you with payment and bill details from our
archives.
To Top
How much does this service cost?
The Baroda Bill Pay Service is available to you free.
To Top
What if I need help using the Baroda Bill Pay Service?
Baroda Bill Pay offers help in a variety of ways. Throughout
the Customer Support Center, we provide helpful tips to
eliminate possible sources of confusion. Contact Support
by sending an e-mail to bobbillpay@billdesk.com.
Or call us at:
to speak to a Customer Support Representative. With regard
to your payments, please note that in case your question
pertains to a specific charge on your bill, it would be
prudent for you to contact your biller directly. We simply
present to you the information give by your biller/payee
and are not authorized to verify charges on a bill. Needless
to say, we will assist you in resolving your biller queries
by providing you with any information you seek regarding
the payment of a particular bill.
We will be
delighted to assist. To
Top
How and when is my bank
account debited?
Your payment instruction will be sent for processing
after the "pay on date" specified by you. Your bank
account will normally get debited within 2 to 3 days from
the "pay on date". While your instruction is being processed,
the status of this instruction will appear as "Delivered"
in your "Scheduled Bills" folder. Once your account is
debited and the payment made to your biller/payee, the
status of the payment instruction will appear as "Paid".
If your account does not have the requisite funds or the
payment instruction is returned undebited for any other
reason, the status of the payment instruction will appear
as "Failed".
In the context of the above, we request you to maintain
funds in your bank account after your specified "pay on
date".
To Top
How do I change or cancel my payment
instruction?
You can change your payment instruction in the "Scheduled
Bills" folder till your specified "pay on date". Simply
click the "Edit" button against the payment instruction
to change the payment amount, the payment date and the
bank account you wish to make the payment from. If you
submit the changes, this modified instruction will appear
back in the "Scheduled Bills" folder.
Please note that after your instruction is sent for processing,
you will not be able to change the payment instruction
any more. The status of all instructions sent for processing
appears as "Delivered" in your "Scheduled Bills" folder.
Should you wish to stop the payment instruction, you can
choose the "Delete" option. By stopping a payment instruction,
the original bill will appear back in your "New Bills"
folder.
To Top
What is the AutoPay facility?
The AutoPay facility is a payment option through which
you can authorise payments for your bills without requiring
your approval each time. In this facility, you retain
the flexibility to specify:
- payment amount (eg: Please pay the entire bill
amount/ 30% of the bill amount/ Rs.Ps. 1000.00)
- pay on date (eg: Please pay 5 days before due
date)
- bank account to be paid from.(eg: Please pay from
Bank Account 1)
You can also set up limits to control the amount you pay
(for eg: I would like to pay the entire bill amount if the
Bill amount is less than Rs.Ps. 2000.00). In case
the Bill amount is greater than Rs.Ps. 2000.00, you will
be intimated through an email message and the payment made
only after you schedule it.
To Top
What is the
OnlinePay facility?
The OnlinePay facility is making your payments one at
a time, where you specifically authorise individual payment.
To Top
What confirmation do I get when
I issue a payment instruction?
Each time you issue a payment instruction the system generates
a unique Transaction ID displaying and confirming your
instruction.
To Top
Are there reasons due to which
my payment instructions might not be executed?
Reasons due to which your payment instructions might not
be executed include:
- Your account has been closed or transferred by you
- Funds are insufficient to meet the payment amount
- You have instructed to stop payment for instructions
set up or originated by you.
To Top
Are all transactions done through Baroda Bill Pay safe?
The security and confidentiality of your personal and
financial information is of paramount importance to us.
You are provided with best-in-class security standards
when it comes to using the Baroda Bill Pay service so that
your transactions done are safe.
Keeping in mind some of the common security considerations,
we list below some of the key control measures that are
taken:
Allow only authorized access to the web site
To access your account information, you require a LoginID
and a complex password that is part of a state-of-the-art
security system. Only you can access your account information.
Access to your account is secured using Secure Sockets
Layer (SSL) encryption. This ensures that your account
numbers and personal data are never sent over the Internet
unencrypted.
Protect data during transmission
All online information exchange between you and Baroda Bill Pay
through the Internet is encrypted. Unlike normal Internet
communication, information provided to us is sent in a
"secure session" established with SSL technology. SSL
is a security protocol that provides data encryption,
server authentication, and message integrity for a connection
to the Internet. Using SSL ensures that the information
you exchange with us is never transmitted over the Internet
unencrypted and cannot be viewed by unauthorized individuals.
We use SSL to protect customers from unauthorized tampering
or viewing of their account and billing information. This
encryption is done using 128-bit RC4 encryption, the maximum
level of encryption possible on the Internet comparable
to security levels used by financial institutions.
Protect data during storage
Your data resides in a database that is protected by a
physical firewall. This firewall is configured to receive
and process requests only from authorized personnel. It
can also detect any unauthorized activity around the server.
Further, some of the highly critical information such
as your password, secret question, secret answer, etc
is stored in the database in a hashed format, thereby
preventing misuse of data even by any remote possibility.
Regular back-ups are taken of the data so that appropriate
recovery measures can be initiated of the latest information
if there are any hardware problems.
To Top
Do I access Baroda Bill Pay through
a certified site?
The Baroda Bill Pay service is offered through BillDesk, which
is certified by Verisign Inc., one of the leading certifying
authorities for web-site security, which reinforces our
promise of security.
To Top |
