What is the BOI STAR ePay Service?

BOI STAR ePay 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 BOI STAR ePay 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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Who is providing this service?

The BOI STAR ePay service is being brought to you by Bank of India in association with BillDesk, an electronic payment and collection service bureau. This service is part of Bank of India's various initiatives to leverage technology for offering convenient services to its account holders. Using the BOI STAR ePay service, you can view and pay your various bills from the comfort of your home or 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.

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How does the BOI STAR ePay 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 BOI STAR ePay 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, BOI STAR ePay 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 for due dates and on payment completion, a range of friendly features and dedicated customer support to help you through the process, the BOI STAR ePay 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 BOI STAR ePay 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.

There are two types of organisations to which you can make payments to

Biller: A Biller is a service provider who presents your bills electronically and accepts electronic payments through the Bank.

Payee: A Payee is a service provider who does not present bills electronically and accepts electronic payments through the Bank. Payees include service providers who: raise physical bills but do not currently provide electronic bill information to the Bank; and do not raise physical bills but merely accept payments for services rendered (for example insurance premia payments).

See Biller List to view current list of billing companies to whom you can make payments.

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Where is the BOI STAR ePay service being offered?

The BOI STAR ePay service is currently available for customers in Mumbai and shall soon be available in other cities too.

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What payment options are available?

There is no cheque or cash involved in this system.

A Customer has to register once for the BOI STAR ePay 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 BOI STAR ePay Application Form (BSEAF).

The customer can make payments directly from his/ her bank account in one of the following ways:

• 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/office 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.



• 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 BOI STAR ePay 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.



• OnlinePay - If a customer has access to the Internet, then he / she can visit www.bankofindia.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 http://www.bankofindia.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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CUSTOMER SUPPORT

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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What if I need help using the BOI STAR ePay Service?

BOI STAR ePay offers help in a variety of ways. Through the Customer Support Center, we provide helpful tips to eliminate possible sources of confusion. Contact Support by sending an e-mail to starepay@billdesk.com. Or call us at:

	Ahmedabad	-	26579791
	Ajmer	-	5105097
	Allahabad	-	2236226
	Bangalore	-	25585557
	Bhopal	-	4250000
	Chandigarh	-	5078837
	Chennai	-	42105566
	Delhi	-	46869000
	Goa	-	2425111
	Hyderabad	-	42005000
	Indore	-	4009500
	Jabalpur	-	4033194
	Jaipur	-	5105097
	Jamnagar	-	2661839
	Kanpur	-	2330176
	Kochi	-	4028866
	Kolhapur	-	6687040
	Kolkata	-	40035101
	Lucknow	-	2236226
	Ludhiana	-	6537558
	Mangalore	-	2449996
	Mumbai	-	40920001
	Nagpur	-	6618893
	Nasik	-	6450235
	Pune	-	65002075
	Rajkot	-	3045002
	Surat	-	2464681
	Trivandrum	-	2466866
	Vadodara	-	2251726
	Varanasi	-	2236226

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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Are all transactions done through BOI STAR ePay 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 BOI STAR ePay 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 BOI STAR ePay 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 BOI STAR ePay through a certified site?

The BOI STAR ePay 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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How do I prove I made a payment using BOI STAR ePay Service?

BillDesk will send you an e-mail confirmation (if you have registered with your e-mail id) of payments made through BOI STAR ePay. Also as all payments are made by a debit to your Bank of India account, these would reflect in your pass-book/ bank statement as well. In case of a specific dispute with a biller, Bank of India will provide evidence of the payment.

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Using BOI STAR ePay

How many days before the due date should I pay my bill?

You can pay your bills upto the 'due date' being shown through BOI STAR ePay. To ensure that the payment reaches your biller in time, the 'due date' through BOI STAR ePay 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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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/- or 30% of the bill amount/- or 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).
  
  If you have specified your debit card number, then the primary account associated with you debit card would be used to debit your payments.

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Can I change an AutoPay instruction?

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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What is the Online Pay facility?

The Online Pay 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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