| ABOUT
Cent BillPay SERVICE |
What
is the Cent BillPay Service?
"Cent BillPay" 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.
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Who
is providing this service?
The Cent BillPay service is being
brought to you by Central Bank
of India in association with BillDesk,
an electronic payment and collection
service bureau. This service is
part of Central Bank of India's
various initiatives to leverage
technology for offering convenient
services to its account holders.
Using the Cent BillPay 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 Cent BillPay
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!
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Where
is the Cent BillPay service
being offered?
The Cent BillPay service is
currently available for customers
in Mumbai, and later extended
to the other cities (Delhi,
Bangalore, Chennai, Kolkata,
Pune, Ahmedabad and Hyderabad)
in a phased manner.
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What
is the Cent BillPay 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
Cent BillPay 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.centralbank.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.
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How
does the Cent BillPay 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 Cent BillPay
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,
Cent BillPay 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 Cent
BillPay Service ensures that
you have the safest, the most
secure and convenient online
experience that you will get
anywhere.
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Which
billing companies can I make
payments to?
You can make most of your recurring
payments through Cent BillPay
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.
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How
do I start using the Cent BillPay
Service?
You can start and use the Cent
BillPay 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 Cent BillPay Form) available
at the Central 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 Central Bank
of India 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 Central Bank of India 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 Cent BillPay Form
(Download
now) available at
any of the Central Bank of India
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 Cent BillPay form
and submit the above documents
at your bank branch.
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Do
I need to open a new bank account?
No, you do not have to open
a new account with Central Bank
of India to avail this service.
This service works with any
of your existing bank accounts
with Central Bank of India 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.
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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.
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How
much does this service cost?
The Cent BillPay Service is
available to you free.
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What
if I need help using the Cent
BillPay Service?
Cent BillPay 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 centbillpay@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.
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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".
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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.
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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.
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What
is the OnlinePay facility?
The OnlinePay facility is making
your payments one at a time,
where you specifically authorise
individual payment.
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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.
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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.
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Are
all transactions done through
Cent BillPay 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 Cent BillPay 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 Cent BillPay
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.
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Do
I access Cent BillPay through
a certified site?
The Cent BillPay 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.
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