Bill Desk Banner
Home Services Billers/Payees Security/Privacy Support/ FAQ About Us

Help Center


   BillDesk Service
   Getting Started
   How it works
   Customer Support

Guided Demo

Contact Us

BillDesk Demo
Help Center
BillDesk is commited to making bill payment a convenient online experience for you. We will make it easy for you to make the transition to an online relationship on the strength of our service and with a ready answer for your queries.Some of the most common questions that customers ask about BillDesk are:

What is the BillDesk service?
How does the BillDesk service help?
How does BillDesk get my bank and biller information?
Do I need to open a new bank account?
Are my transactions safe?
How do I get started?
What happens if I have a dispute with the biller or a specific charge on a bill?
What if I need help using the BillDesk service?

More questions? Please see our FAQs or contact us at

If you have questions on erstwhile Visa Bill Pay (now BillDesk BillPay) service please visit the
BillDesk BillPay FAQ section.

What is the BillDesk Service?

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.

To Top

How does the BillDesk service help?

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.

To Top

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.

To Top

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.

To Top

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 account information.

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.

To Top

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 the registration:

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 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 BillDesk service.

In Step 3, you need to 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 your 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!

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 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.

To Top

What if I need help using the BillDesk service?

BillDesk Help includes:

  • a comprehensive list of categorised FAQs, and
  • context sensitive "Help" for registered users.

    In case you have not received your bill at BillDesk or have questions about your payments please contact us at

    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. BillDesk simply presents to you the information give by your biller/payee and is 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


    Register Now

    BillDesk Customer Login

    Secure Login

    Visa Bill Pay
    (now BillDesk BillPay)
    Customer Login

    Visa Bill Pay Login