Kotak Payment Gateway

Kotak Payment Gateway enables you to shop online, transfer money for online trading account, pay utility bills and much more.

  1. Shop online - Make purchases across various online shopping sites offering gifts, flowers, exclusive designer wear, jewellery, latest electronic gadgets / household items and more
  2. Subscribe online to books / periodicals /magazine
  3. Book air and bus tickets online
  4. Book movie tickets online
  5. Register online to matrimonial, educational sites or astrology services
  6. Transfer money instantly to your account with Kotak Securities and other brokers, for funding your margin money or funding your IPO account
  7. Pay utility bills mobile, telephone, gas, electricity, etc.
  8. Pay insurance premium
  9. Make donations to charitable and religious institutions
  10. Make online payments towards Mutual Fund investments
  11. Track payments made online through Net Banking
  12. Pay for magazine subscriptions
 
  • All individual customers except minors, with unconditional operating authority on any Kotak Bank Savings / Current account can get Payment Gateway to Kotak Online Trading Access, Kotak Payment Gateway and Kotak – Online Shopping Access.
  • Kotak Bank Account needs to be registered for Net Banking.
  • You can get Net Banking access if you have any of the following account with Kotak Bank – Savings Account, Term Deposit, Current Account or Demat Account.

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What is Kotak Mahindra Bank Payment Gateway service?

Kotak Mahindra Bank Payment Gateway is a web based service which enables you to make online purchases across various shopping sites or to transfer money from your registered Kotak Mahindra Bank Account(s) to your trading account with brokers like Kotak Securities and many more. You can also make utility payments, subscribe to magazines, pay insurance premia or make donations online. Currently we have tied up with a few esteemed brokers for Payment Gateway access to Kotak Online Trading1, with IndiaIdeas, CC Avenue, Times Of Money (a master merchant that has a tie up with number of merchants (online shopping sites) for online payment facility) for Payment Gateway access to Kotak - Online Shopping. Going forward we shall be enabling this service for a host of other online merchants.

You can access this service by visiting various shopping sites that we have tied up with.

How do I avail of Kotak Mahindra Bank Payment Gateway service?

Payment Gateway is available to customers of Kotak Mahindra Bank who have availed of Net Banking facility and are registered for Kotak Payment Gateway. NRIs, foreigners and people with conditional operating authority are currently not eligible for Payment Gateway

  • You can avail Payment Gateway by logging on Net banking and clicking on the Service Request section under Banking. If you are a new customer, you can avail this service by ticking the Payment Gateway option on the account opening form
  • If you are an existing customer, by ticking the Payment Gateway option in the Channel Access Request Form
    • If you are an individual customer, click here to download the form.
    • If you are an operating authority of a company / club / society / association / partnership / sole proprietorship / HUF, click here to download the form.

Simply complete the form and drop it in any of the Document Drop Boxes at our Branches or ATM lobbies. Alternatively you may mail it to us at Customer Contact Centre, Kotak Mahindra Bank Ltd., Post Box Number 16344, Mumbai 400 013

If you are already a registered Kotak Mahindra Bank Net Banking customer, you can log in to Net Banking on www.kotak.com and click on 'Service Requests' option post logging in and select Register for Payment Gateway.
Once you register for Payment Gateway, the service will be activated only after 24 hours.

How do I avail of Kotak Online Trading1, Kotak - Online Shopping?

If you are an existing customer and are registered for Payment Gateway, you will automatically be enabled for Kotak Online Trading1, and Kotak - Online Shopping services of Kotak Mahindra Bank Payment Gateway depending on your eligibility. If you are a new customer, registering for Payment Gateway as mentioned above will enable you for this facility depending on your eligibility.

What are the eligibility criteria for getting Payment Gateway access?

All individual customers except Minors, with unconditional operating authority on any Kotak Mahindra Bank Savings / Current account can get Payment Gateway Kotak Online Trading1 Access, Kotak Payment Gateway kotak - Online Shopping Access.

In case of many accounts, how do I get access on all or some accounts?

When you register for Payment Gateway service, all existing eligible accounts (or those opened in the future) under your Customer Relationship Number with us will automatically get access to Payment Gateway Kotak Online Trading1, Kotak - Online Shopping

In case you wish to,

  • Register only for one of the three services - Kotak Online Trading1 / Kotak Direct Pay / Kotak Online Shopping or
  • Have different accounts enabled for each of the services or
  • Restrict any of your accounts from having access to any of the three services

You simply need to write in to us specifying what you wish us to do. Drop your request either in the Document Drop Boxes at our Branches or ATM lobbies. Alternatively you may mail it to us at Customer Contact Centre, Kotak Mahindra Bank Ltd., Post Box Number 16344, Mumbai 400 013. You may also advise us via our Secure Mail facility by logging in to Kotak Mahindra Bank Net Banking and clicking on the My Mail link on the top right hand red band.

Are there any limits for my payments done using Kotak Mahindra Bank Payment Gateway service?

No. As transactions will be done in a completely secure environment you can make payments up to the available balance in your selected account. Shopping transactions done through shopping sites through our tie up with CC Avenue, at per transaction / day limit has been fixed at Rs. 50,000/-.

What are the charges for using Payment Gateway?

There are currently no charges for using Kotak Mahindra Bank Payment Gateway services. We are offering the facility of making payments for online trading, online shopping, making utility payments / donations and paying for subscriptions / insurance premium online absolutely free as a value added convenience for all our customers.

How do I use Payment Gateway?

You need to register for Payment Gateway as explained above. You need to have your Net Banking User ID and Password ready

Kotak Online Trading1

You are on merchant site (e.g. kotaksecurities.com); you choose to pay the merchant using your Kotak Mahindra Bank Account.

 

You are directed to Kotak Mahindra Payment Gateway login page.

 

You enter your Net Banking User ID and Password and confirm your Dynamic Access Code and put in online request. Your account is debited and the merchant is paid.

Kotak - Online Shopping

You are on merchant site (e.g. indian-airlines.nic.in). Enter all details as required by the merchant site and choose to pay using your Kotak Mahindra Bank Account.

 

You are directed to Kotak Mahindra Payment Gateway login page.

 

You enter your Net Banking User ID and Password and confirm your Dynamic Access Code and put in online request. Your account is debited and the merchant is paid.

 

You will have to complete the purchase transaction by clicking "Please click here to complete the transaction" on the Kotak Mahindra Payment Gateway confirmation page.

Can I cancel my payment made through Kotak Mahindra Bank Payment Gateway?

NO. A payment once confirmed cannot be cancelled as the same is debited to the customer account online. You will need to contact the Company / Merchant to whom the payment is made for a refund in case you wish to cancel your payment.

Can I pay on somebody else's behalf using Payment Gateway?

You can make utility payments, insurance premia payments and subscriptions or purchase through online shopping on any one else's behalf using Kotak Mahindra Bank Payment Gateway Services. You simply need to enter online details pertaining to the person on whose behalf you are making online payments. Please note, however you are not to pay for Online Trading on behalf of anyone else as per SEBI guidelines. You should only transfer money using Kotak Mahindra Bank Payment Gateway from your Bank account to your Trading Account with Kotak Securities or other brokers we have a tie up with.

Do I get any proof for my payments made online using Kotak Mahindra Bank Payment Gateway service?

For all payments made through Payment Gateway services like Kotak Online Trading1, and Kotak - Online Shopping you will get a confirmation screen showing details of the payments made and a unique reference number for the transaction. Additionally in your Statement of Accounts, all online utility payments / purchases will be reflected.

While trying to access Payment Gateway I get an error message.

Please check your User ID and password. Please note that password is case sensitive ('a' is different from 'A'). The other reasons for error could be:

  • Your browser is not compatible with our application. Please use Internet Explorer 5.5 or higher version. Kotak Net Banking is also compatible with Internet Explorer 8.
  • You have entered the wrong password three times in a day. Your User ID is locked in this case to prevent somebody from guessing your password and getting access to your account. Your User ID will automatically get enabled the next day.
  • You have instructed us to block your Net Banking User ID. If you want to unblock your User ID, please call our 24-hour Customer Contact Centre.
  • Our server may be temporarily down on account of maintenance/ upgrade activities, please try logging in after some time.

Can I request for revocation of Kotak Mahindra Bank Payment Gateway service?

Yes. You can request for Payment Gateway revocation by giving written request to the Bank. Simply drop your request either in the Document Drop Boxes at our Branches or ATM lobbies. Alternatively you may mail it to us at Customer Contact Centre, Kotak Mahindra Bank Ltd., Post Box Number 16344, Mumbai 400 013. You may also advise us via our secure mail facility by logging in to Kotak Mahindra Bank Net Banking and clicking on the Inbox link on the top right hand corner of the screen.

You can request for revocation at three levels:

  • Request for removing access to Kotak Mahindra Bank Payment Gateway service totally
  • Request for removing access to either Kotak Online Trading1 or Kotak - Online Shopping service retaining access to the other service
  • Request for moving access for specific accounts to Kotak Mahindra Bank Payment Gateway and all its services or only from a specific service - Kotak Online Trading1 or Kotak - Online Shopping.

Please ensure your Request clearly states your Customer Relationship Number and which option you are requesting for. In case of account level access removal please ensure you have clearly stated your required account no(s). Your Request will be processed within 3 working days of receipt of your request.

Disclaimer

1Facilities not available to NRIs/PIOs

A simple registration process lets you be in control of funds transfer from around the world through Kotak Payment Gateway.

Step 1:
Download Channel Access Request form (CAS)

Step 2:
Complete Channel Access Request form

Step 3:
Submit it through ATM, Branch or post

  • Drop-box placed in Bank branches / ATMs

Find Kotak Bank ATM / Branch

  • Send the form through ordinary post to:
    Customer Contact Centre,
    Kotak Mahindra Bank Ltd.,
    Post Box Number 16344,
    Mumbai 400 013

 

You can get Net Banking access if you have a Savings Bank Deposit, a Term Deposit, a Current Account or a Demat Account with Kotak Mahindra Bank.

Already registered for Net banking?

  • If you are a registered Net Banking customer you may register/ modify using the ' Service Requests' option within the 'Banking' tab post logging on to Net Banking.
  • For Payment Gateway Online Trading, you can register your Client ID through Net Banking. Alternatively you can also register your Client ID by giving a written request at your nearest branch

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