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1. What
is the Indus BillPay Service? |
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Indus BillPay is a great new service that
provides you with a single point of contact
for most of your recurring payment needs.
Using this service, you can pay your bills
and make other payments online in a secure
and convenient manner. You will electronically
receive your bills, including your telephone
bills, electricity bills, cell-phone bills,
credit card bills, insurance premiums 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 the Indus BillPay service 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.
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2. Who is providing
this service? |
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The Indus BillPay service
is being brought to you by IndusInd Bank in
association with BillDesk, an electronic payment
and collection service bureau. This service
is part of IndusInd Bank's various initiatives
to leverage technology for offering convenient
services to its account holders. Using the
Indus 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.
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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.
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Easy to use
-- a few clicks and you can make
all your payments. |
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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. |
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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 Indus 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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3. How does the Indus
BillPay Service help? |
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| This service is available
to you round-the-clock - 24 hours a day, 7
days a week and 365 days a year. The Indus
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,
Indus BillPay provides you the power to organise
and pay all your bills online and gives you
tremendous 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 Indus BillPay Service ensures that you
have the safest, the most secure and convenient
online experience that you will get anywhere.
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4. Which
billing companies can I make payments to? |
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You can make
most of your recurring payments through Indus
BillPay Service including telephone bills,
electricity bills, cell-phone bills, Tax Payments,
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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5. Where
is the Indus BillPay service being offered? |
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The Indus
BillPay service is currently available for
customers in Mumbai, Delhi, Kolkata, Chennai,
Bangalore, Ahemdabad, Hyderabad, Pune, Chandigarh,
Bhopal, Lucknow, Surat, Indore, Trivandrum
and Ludhiana. |
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6. What
payment options are available? |
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There is no
cheque or cash involved in this system.
A Customer has to register once for the Indus
BillPay service by completing the Application
Form. To complete the Application Form the
customer should keep his bills and cheque-book
handy, as a few details are required to complete
the Indus BillPay Application Form (IBAF).
The customer can make payments directly from
his/ her bank account in one of the following
ways:
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AutoPay
- The customer can give a Standing
Instruction for payment of bills
from his / her bank account. Every
month, the Bank will get an electronic
copy of the customer's bill and
the bill amount will be debited
from his/her account and paid to
the biller. The customer will continue
to receive the bills at home by
post as usual. The customer can
also give an Upper Limit and the
Bank will pay only bills below this
limit. For bills above this limit,
the customer will have to pay directly
at the biller's collection counters.
The customer can issue a stop payment
in writing at least 5 days before
the due date. |
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Auto
Pay with an “Upper Limit”
- A customer, while registering
for this facility can also specify
an upper limit, up to which the
utility Bill can be paid automatically
by debiting the account. Whenever
the customer receives a Bill from
the Billing Company for an amount
exceeding the upper limit, then
the Bank will NOT pay the Bill.
In such cases, the account holder
needs to pay the Bill on his own,
directly to the Billing Company.
However, if the customer wants the
Bank to pay a bill exceeding the
Upper Limit, then the customer should
call the Indus BillPay customer
service desk at least 5 days before
due date and authorize payment of
the bill. Different upper limits
can be given in respect of Bills
for various types of services. |
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OnlinePay
- If a customer has access to the
Internet, then he / she can visit
www.indusind.com,
see the bills and issue payment
instructions from any of their bank
accounts. Their bank account will
be debited and the money will be
paid to the biller. Customer can
also register online through www.indusind.com
for the service, add new billers
that he/ she might want to pay and
receive email reminders, confirmations,
etc for the transactions. |
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SMSPay
- Customers can also use the SMSPay
option for payment of their mobile
bills. This facility is available
for payment of mobile bills only
of Orange, Loop and AirTel. The Customer
receives a new bill alert via an
SMS specifying the bill amount and
the due date. The customer can pay
his bill by sending a return SMS.
The customer can also make partial/
interim payment by specifying the
amount to be paid. The customer
receives a payment confirmation
via an SMS. |
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Registering
For Indus BillPay
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1. How
do I start using the Indus BillPay Service? |
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You can start
and use the Indus 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 Indus
BillPay Form) available at the IndusInd Bank
branches. Keep your
chequebook 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 IndusInd Bank branch, your
name as it appears in your bank account, and
the type of account.
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 Indus BillPay Service.
In Step 3,
you need to complete the following:
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Sign the Registration
form sent to you. |
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Sign the Payment
authorisation form(s) sent to you.
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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 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.
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 Indus BillPay Form
(Download now) available at any of the IndusInd
branches. Please furnish details of your personal
profile and contact information; along with
the details of your bank account - MICR code
of the IndusInd Bank 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 Indus BillPay form
and submit the above documents at the IndusInd
Bank branches or mail it directly at the address
specified in the form.
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2. Do
I need to open a new bank account? |
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No, you do
not have to open a new account with IndusInd
Bank to avail this service. This service works
with any of your existing bank accounts with
IndusInd Bank 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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3. Is there
any minimum balance requirement? |
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No, there
is no minimum balance requirement for using
this service. |
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4. Which
customers can use the Indus BillPay service? |
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All customers
of the Bank can use the service - Savings,
Current and O/D account holders. |
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5. How
and when is my bank account debited? |
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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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6. How
much does this service cost? |
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The Indus
BillPay Service is available to you free.
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7. Can
I pay someone else's bill? |
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Yes, you can
pay someone else's bill. To be able to do
so, you will have to add the biller to your
list. However, please note that two different
people cannot pay the bill of the same MTNL
phone number. |
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CUSTOMER
SUPPORT |
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1. What
happens if I have a dispute with the biller
or a specific charge on a bill? |
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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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2. What
if I need help using the Indus BillPay Service? |
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Indus 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 indusbillpay@billdesk.com.
Or call us at:
 Mumbai - 5692 0001
Delhi – 2628 7125
Chennai – 5210 5566
Kolkata – 2242 8216
Bangalore – 2558 5557
Hyderabad – 5533 5135
Ahmedabad – 2657 9791
Pune – 400 2075
Lucknow – 223 7432
Surat – 234 8877
Bhopal – 525 0000
Chandigarh – 507 8837
Indore – 500 9500
Trivandrum – 246 6866
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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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3. Are
all transactions done through Indus BillPay
safe? |
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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 Indus
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 Indus 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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4. Do I
access Indus BillPay through a certified site? |
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The Indus
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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5. How
do I prove I made a payment using Indus BillPay
Service? |
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BillDesk will
send you an e-mail confirmation (if you have
registered with your e-mail id) of payments
made through Indus BillPay. Also as all payments
are made by a debit to your IndusInd Bank
account, these would reflect in your pass-book/
bank statement as well. In case of a specific
dispute with a biller, IndusInd Bank will
provide evidence of the payment. |
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Using
Indus BillPay |
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1. How
many days before the due date should I pay
my bill? |
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You can pay
your bills upto the 'due date' being shown
through Indus BillPay. To ensure that the
payment reaches your biller in time, the 'due
date' through Indus BillPay is reduced by
5 days to take care of processing time. This
ensures that your payments are always on time
and there are no missed payments/ late-payment
charges. |
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2. How
do I change or cancel my payment instruction? |
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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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3. What
is the AutoPay facility? |
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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:
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payment amount
(eg: Please pay the entire
bill amount/ 30% of the
bill amount/ Rs.Ps. 1000.00)
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pay on date
(eg: Please pay 5
days before due date) |
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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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4. Can
I change an AutoPay instruction? |
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Yes, you can
stop, cancel or modify your AutoPay instructions.
Please note that such changes shall be applicable
only to subsequent bills and not on bills
for which the payment process has already
been initiated. |
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5. What
is the Online Pay facility? |
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The Online
Pay facility is making your payments one at
a time, where you specifically authorise individual
payment. |
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6. What
confirmation do I get when I issue a payment
instruction? |
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Each time
you issue a payment instruction the system
generates a unique Transaction ID displaying
and confirming your instruction. |
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7. Are
there reasons due to which my payment instructions
might not be executed? |
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Reasons due
to which your payment instructions might not
be executed include:
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Your account
has been closed or transferred by
you |
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Funds are
insufficient to meet the payment
amount |
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You have instructed
to stop payment for instructions
set up or originated by you. |
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