What is the BillDesk
BillDesk is a great new service that provides you with a single
point of contact for most of your recurring payment needs. At BillDesk
you can pay your bills and make other payments online in a secure
and convenient manner. BillDesk will electronically present your
bills to you, including your telephone bills, electricity bills,
cell-phone bills,credit card bills, ISP charges and others. You
can review your bills, choose when you want to pay them, how much
to pay and also select the bank account(s) you wish to make the
payment from. You will of course continue to get the physical bills
from your billers - just like you did before. What you get with
BillDesk is complete flexibility and control in making payments,
regular email reminders so that your bills are paid on time, a facility
to store all the payments you made during the year and importantly
efficient organisation and management of your bill payment activity.
How does the BillDesk service
The BillDesk service is available to you round-the-clock - 24 hours
a day, 7 days a week and 365 days a year. Today you can accesss
this service using the Internet, but soon you will be able to recive
bill information and make payments using the telephone, cell-phone
and ATMs. The BillDesk 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, BillDesk 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 BillDesk service
ensures that you have the safest, the most secure and convenient
online experience that you will get anywhere.
How does BillDesk
get my bank and biller information?
You provide us with the information about your bank account when
you register with us. On your successful registration with us, we
send you a pre-filled bank authorisation form along with your Welcome
Kit. You need to sign this form and return it to us. This form then
gets submitted to your bank, which validates and authenticates that
it is indeed your account.
Your Biller information too is made available to us only after
you have authorised us to receive it. BillDesk has business arrangements
with various billers who have agreed to participate in this service.
Once you have registered for the service and your account has been
made active you select your personal list of billers from this list
of billers and provide some basic information (like a consumer number
or a customer reference number), which will help the biller verify
your account and identify you. On successful verification the Billers
start sending your subsequent bills in an electronic form to us,
which are presented to you through your secure Bill Inbox. The convenient
"Add Biller" features makes it easy for you to add Billers from
time to time.
The information about your banks and bills is kept confidential
at all times.
Do I need to open a
new bank account?
No, you do not have to open a new account with any bank to avail
this service. The BillDesk service works with any of your existing
bank accounts 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
Enrollment Form followed by a signed Payment Authorisation form.With
this authorisation, BillDesk can execute your payment instructions.
Are my transactions safe?
The security and confidentiality of your personal and financial
information is of utmost importance to us. You are provided
with best-in-class security standards when it comes to using the
BillDesk service so that your transactions at BillDesk are safe.
To prevent unauthorized access and ensure the appropriate use of
information, BillDesk has put in place appropriate procedures to
safeguard all personal information that BillDesk collects online.
Your account is protected by passwords and only you can access the
Further BillDesk is secured using Secure Sockets Layer (SSL) encryption.
This ensures that your account numbers, personal data and other
online information exchange at BillDesk are never sent over the
Internet unencrypted and cannot be viewed by unauthorised individuals.
This encryption is done using 128-bit encryption, the maximum level
of encryption possible today on the Internet.
Your data resides in the BillDesk database and is protected by
a firewall. This firewall is configured to receive and process requests
only from authorized personnel and can detect any unauthorized activity.
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.
In addition, processes and operations at BillDesk are designed
to identify and control risks. These are in the form of different
management and reporting control measures such as authorisation
controls and segregation of conflicting responsibilities. All these
measures ensure that at BillDesk you have the safest and most secure
experience that you can get anywhere.
Should you still have any further queries, please see our FAQ section
on Security/Privacy features for more details.
How do I get started
with the BillDesk service?
You can start and use the BillDesk service in three simple steps,
as described below. Keep your cheque book with you to complete
In Step 1, you need to complete
the Registration form by providing
us with your personal profile and contact information, and selecting
a unique user name and password.
In Step 2, you need to complete
the Payment authorisation form
by furnishing details of your bank account - MICR code of the bank
branch, your name as it appears in your bank account, and the type
We will thereafter send you a pre-filled enrollment form and a bank
authorisation form along with a Welcome Kit, which will detail the
entire BillDesk service.
In Step 3, you need to complete
You can then submit the above documents either by mailing them, using
the pre-paid business reply envelope, contained in the Welcome Kit
or by dropping them at the collection centres at specified locations.
- 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 your bank for verifying the accuracy of the code
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!
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 an 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.
What if I need help