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 3 to 5 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 BillDesk sends your instruction for processing,
you will not be able to change the payment instruction any
more. The status of all instructions sent for processing by BillDesk
appear 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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Can I pay a bill late
at BillDesk?
BillDesk urges you to pay your bills on time. Our ability to accept
payments beyond the due date depends upon whether your biller allows
this or not. All bills that are pending action beyond their payment
due dates are easily identified by a red
marker beside them in your "New Bills" folder.
Please note that late payments have similar consequences (including
penalties, if any) whether paid through BillDesk or otherwise as
laid down by each biller/payee. In the highly unlikely event of
a payment error on our part that results in a late payment, BillDesk
will pay the late payment charges due to the biller, subject to
a maximum of Rs. 500/- per bill.
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What are the consequences
of not paying a bill that is presented to me at BillDesk?
If you haven't acted upon a bill presented at BillDesk, we will
not be able to make a payment to the biller/payee on your behalf.
Accordingly, specific terms and conditions laid down by your biller/payee
for late or non-payment of bills could become applicable.
Should you decide to not pay the bill at all (either you have paid
the bill by cash or cheque, or you have discontinued the services
with the biller, etc), these bills will continue to remain in your
"New Bills" folder till you decide to archive them. When you archive
a bill that hasn't been paid, you get a warning. If you still decide
to go ahead, the bill is removed from the "New Bills" folder and
sent to the "Bill Archives" folder under My Bills.
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How do I prove that I
had made a payment at BillDesk?
Whenever you schedule (make) a payment, BillDesk provides you with
a confirmation receipt along with a unique transaction ID.
You will receive a copy of this confirmation at your primary email
address. The transaction ID can be viewed in your "Scheduled Bills"
folder.
BillDesk would send you an email notification informing you whether
the scheduled payment was successful or not and update the status
in the "Scheduled Bills" folder to "Paid" or "Failed".
Please contact us at support@billdesk.com
for any queries relating to your payments
.
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What is the Auto-pay
facility?
The Auto-pay facility is a payment option through which you can
authorise BillDesk to make payments on your behalf 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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Can I change an Auto-pay
instruction?
Yes, BillDesk allows you to stop, cancel or modify your Auto-pay
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 Click-pay
facility?
The Click-pay facility is making your payments one at a time, where
you specifically authorise individual payment.
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Can I use my credit
cards to pay my bills?
Currently, BillDesk only supports payments made through a bank account.
However, we will be introducing this feature very soon so that you
can make your payments through credit cards.
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Do I need to open a
new bank account to use BillDesk?
No, you can avail of the BillDesk service through your existing
bank account in the city. To operate your account through BillDesk,
you need to furnish your bank account details and provide a payment
authorisation from your bank. With this authorisation, BillDesk
can execute your payment instructions.
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What type of bank accounts
can I pay bills from?
You can pay from the following type of bank accounts:
- savings account;
- current account; and
- cash credit account.
The mode of holding of the account should be Single, Either or Survivor,
or Anyone or Survivor.
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What confirmation
do I get when I issue a payment instruction?
Each time you issue a payment instruction BillDesk 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, and BillDesk
has not been informed
- Funds are insufficient to meet the payment amount
- You have instructed your bank to stop payment for instructions
originated by BillDesk.
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FAQ
