Kotak Billpay FAQs Test

What is Kotak BillPay?

Kotak BillPay is a 24X7 payment service that caters to all your bill payment needs. Kotak BillPay allows you to pay your bills online in a secure and convenient manner.

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What are the channels available to avail this service?

You can use Kotak Billpay from:

a. Kotak Mobile Banking App

b. Kotak Net Banking

(https://www.kotak.com/j1001mp/netapp/MainPage.jsp?BILLPAY=TRUE )

c. Kotak Mahindra Bank Website (https://www.kotak.com )

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How to pay a bill on Kotak BillPay?

a. Login to Kotak Mobile Banking app or Netbanking

b. Go to BillPay / One time Recharge Page

c. Select the category of the biller you want to pay

d. Select the biller name from the drop down

e. Enter the Biller details and click on continue

f. Choose your Bank account or Credit Card

g. Enter the amount. For some billers, the bill amount will be shown automatically.

h. Review your payment details in the confirmation page and click on confirm and pay to complete the transaction.

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How do I add a new biller for receiving alerts and notifications?

a. Go to Add / Manage Biller page

b. Click on Add Biller option

c. Select the category of the biller you want to register

e. Select the biller name from the drop down and set a nickname

f. You can choose to Set AutoPay and get your bills paid automatically every billcycle

g. Click on Add Biller to register your biller successfully

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What are the different categories under which bill payments can be done?

Bill Payments can be done for the following categories:

a. Broadband
b. Credit card

c.    Datacard
d.    Donations
e.    DTH
f.    Electricity
g.    Gas
h.    Insurance
i.    Landline
j.    Mobile
k.    Mutual funds
l.    Property Tax
m.    Rental Payments
n.     Subscriptions
o.     Water

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How much time does it take to make a payment post register a new biller?

Registration for a new biller is dependent on biller’s bill cycle. Usually, a registered bill can be paid in the next bill cycle post registration. In case of those billers where ad hoc payment are allowed, payment can be made immediately after registration.

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What are the charges for using Kotak BillPay service?

Customers are not charged any fee for using BillPay.

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Do all the billers accept payment using Credit Card?

Majority of the billers accept payments via the Kotak Credit Card. However, you will not be able to make Visa Credit Card Payments, Mutual Funds, Property Tax, Donations with your Kotak Credit Card.

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I have already registered the biller with a different bank - Can I register the same biller with Kotak BillPay?

You can register the biller with Kotak BillPay, even if the same bill is registered with another bank. You will receive bills for the same at Kotak BillPay too.

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How will I know when my bill is presented?

When a new bill is presented, we will send you an email, SMS and push notification on your Email ID and mobile number registered with the bank.

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Are there any restrictions on the number of billers I can register?

No, there are no restrictions on the number of billers you can add.

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Are there any limits on the number of payments/ transaction amount that I can make using Kotak BillPay?

There are no limits on the number of payments. You can pay as many bills as you want. However, please ensure you have sufficient balance/available limit in case of Credit Card.

For Credit Card bills, you can make payment of upto Rs.49999 using BillPay.

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Will I continue to receive my physical bill?

Yes, you will continue to receive you physical bills as before.

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Can I pay bills for my family and friends using Kotak BillPay?

Yes, you can pay bills for others from your bank account by specifying the biller details.

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Can I delete the biller once added?

Yes, you can delete the billers once added. You will not receive electronic bills on Kotak BillPay after the biller is deleted.

a.    Go to Add / Manage Biller page
b.    Select the biller you want to delete.
c.    Press Delete biller

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After registering for a biller, do I have to pay the bills of that biller only through Kotak BillPay?

You always have the option of paying your bills through any other mode like Payment Gateway (payment from biller’s website), cash or cheque, etc. If you have set AutoPay for a biller, payment will be made from your Kotak account/credit card as registered by you.

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If I register a biller, will it automatically be debited from my account on the due date?

No, your Account/Credit Card will not be debited of the bill amount automatically unless you have registered that biller for AutoPay.

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How is Auto Pay beneficial to me?

If you opt for AutoPay, your bill will automatically get paid regularly on the due date. You can relax and never worry about missing a bill payment. You can opt for Auto pay during Biller Registration or post registration of the biller.

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How do I enable AutoPay for a biller?

Auto Pay can be set for the biller while registering your biller itself.

a. Go to Add / Manage Biller page
b. Click on Add Biller option.

c.    Select the category of the biller you want to register
d.     Select the biller name from the drop down and set a nickname
e.    Enter your Auto Pay details.
f.    Click on Add Biller to set Auto pay and register your biller.
g.    Your bill will be paid from next billing cycle onwards

In case you want to set Autopay for an existing registered biller,

a.    Go to Add / Manage Biller page
b.    Select Modify Autopay option against your biller
c.    Enter your Auto Pay details
d.    Click on save changes to set Auto pay for your biller
e.    Your bill will be paid from next billing cycle onwards

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When will the bills be scheduled for payment for AutoPay?

On receiving a bill, Kotak BillPay will immediately schedule the bill to be paid atleast four working days before the bill due date. All bills scheduled for payment can be viewed in the ‘Scheduled ’ section of View / Pay bills .

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How can I delete a bill scheduled for AutoPay?

a. Go to View / Pay Bills page
b. Click on Stop option against the bill scheduled for auto payment in the ‘Scheduled ’ tab.Please ensure this is done 4 days before due date.

c. The bill will then move from the ‘Scheduled’ option to ‘Due Bills’ section.
d. Customer can manually pay this bill from “Due Bills” section.

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If I delete a scheduled bill, will I be able to make the payment through Kotak BillPay?

Yes, once you delete the bill, the same will move to ‘Due Bills’ section. Please ensure this is done 4 days before due date. You can pay your bills 3 days prior to the due date to avoid late payment charges.

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What is an AutoPay limit? If my bill amount exceeds the AutoPay limit, will the bill get processed?

AutoPay limit is an amount specified by you, above which if a bill is presented, the same will not be paid.

E.g. if you have set a limit of Rs. 500 for MTNL and the bill presented to you is Rs. 510 - the entire bill will not get processed. If the bill amount exceeds the AutoPay limit, the bill will not get paid automatically. Such bills can be paid through ‘Due Bills’ up to three days prior to the bill due date.
In case of billers like like Visa Credit Card , payments will be made as per the amount, frequency, date of payment mentioned by you.

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Can I set frequency of payment or specify a fixed payment amount for AutoPay billers?

Yes, this is possible to set payment amount, frequency and amount in AutoPay for billers like Visa Credit Card where bills are not presented online and customer can make any ad hoc payment. The frequency of payment can be set as monthly, quarterly, half-yearly and annually along with payment start date and end date.

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Will I receive any alerts for auto payments?

Yes, you will receive SMS and Email alerts for AutoPay.

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How can I modify the AutoPay details set for a biller?

a. Go to Add / Manage Biller page
b. Select Modify Autopay from the contextual Menu against your biller

c.    Enter your Auto Pay details
d.    Click on save changes to set Auto pay for your biller
e.    Your bill will be paid from next billing cycle onwards

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Do I get any proof or receipt for bill payment using Kotak BillPay?

On successful payment of your bill, you will get a confirmation mail from Kotak BillPay to your registered email-id. You can view the list of successful payments under ‘Bill History’.

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I can see BBPS logo while making payments. What does this signify? What is BBPS?

Bharat Bill Payment System (BBPS) is a centralised system managed by NPCI. It offers integrated, accessible and interoperable bill payment services to consumers across geographies.

Customers can make bill payment from the network of agents, retail shops, bank branches and digital channels like Internet banking, Mobile banking apps, etc. They can pay using any mode like Netbanking, debit or credit card, UPI, AePS, wallet or cash.

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Why can't I see BBPS logo in some of the Bill Payment pages?

As of now some categories like electricity, water, gas, telephone and Direct-To-Home (DTH) are live in BBPS. Gradually, Mutual Funds, Insurance, Educational institutes etc. will be part of it.

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What will happen if I have a dispute with the biller?

You can register a complaint against the biller.

a.    Go to Complaints Section
b.   Under Register Complaints tab, Select the type of complaint
c.    Enter your transaction details and enter the complaint description
d. Click on “Register Complaint” to raise dispute
e. Please note that you can raise query only after 24 hours of transaction

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Can I cancel my payment made using Kotak BillPay service?

A payment once made cannot be cancelled. However, if you have made a double payment the same will be adjusted by the biller in your next bill.

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When does the payment actually reach the billing company?

It takes 3-4 working days for the payment to be received and updated by the billing company. Hence you are requested to make the payment at least 3 days before the due date, to avoid any service disruption or late payment charges.

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How do I view my past bills?

You can view your past bills paid in Kotak BillPay under the ‘Payment History’ section. Prior transactions of up to 365 days will be available.

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What are the advantages of using the Kotak recharge facility?

The process of recharging is hassle-free and instantaneous. You can top up your prepaid mobile phone or your DTH account from the comfort of your home or office. You can browse the tariff plans from Mobile Recharge section.

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When will the prepaid mobile phone/DTH account get recharged?

On successful debit of your account, the recharge will take place instantly, provided the recharge details are entered correctly.

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Is there any confirmation that I will receive post debit of my account for recharge?

You will get an alert to your preferred email ID and mobile number registered with the bank.

Additionally, on successful recharge, mobile/DTH operator will send the confirmation of recharge through SMS on your mobile phone. In case you do not receive any confirmation, please check with your mobile/DTH operator.

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Under what circumstances will recharge not be successful?

Some of the common reasons are:

a. Invalid mobile number or DTH account number
b. Insufficient balance in your bank account or insufficient credit limit in your credit card

c. Mobile/DTH number which does not pertain to a specified operator
d. Incorrect top-up amount

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For which operators can I recharge from Kotak Recharge?

The following operators are available for Prepaid mobile recharge:

a. Airtel
b. BSNL

c.    Docomo
d.    Idea
e.    Jio
f.    MTNL Delhi
g.    MTNL Mumbai
h.    Tata Indicom
i    Vodafone

The following operators are available for DTH recharge:

a.    Airtel TV
b.    BIG TV
c.    Dish TV
d.    Sun TV
e.    TataSky
f.    Videocon

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Is there any charge for this service?

This service is absolutely free.

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Why should I add my number to my Quick Recharges?

Customer can easily recharge from My Quick Recharge List in Bill Pay / One time Recharge Section. Customer can easily initiate recharge from this page itself.

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Is there any limit on amount to be recharge for prepaid phone or DTH account?

There is a daily transaction limit of Rs. 10,000 for prepaid mobile phones and Rs. 10,000 for DTH top ups.

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What will happen if I enter an incorrect mobile number or DTH subscriber number?

Once the transaction is made, your request for recharge is sent to the operator. If the mobile number is not available with the operator, the recharge will fail and refunds will be processed within 2 working days.

However, if the customer enters a wrong mobile number but is still a valid mobile number, it would be recharged. There will be no refunds in such cases.

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Kotak BillPay

Frequently Asked Questions

What is Kotak BillPay?

What are the channels available to avail this service?

How to pay a bill on Kotak BillPay?

How do I add a new biller for receiving alerts and notifications?

What are the different categories under which bill payments can be done?

How much time does it take to make a payment post register a new biller?

What are the charges for using Kotak BillPay service?

Do all the billers accept payment using Credit Card?

I have already registered the biller with a different bank - Can I register the same biller with Kotak BillPay?

How will I know when my bill is presented?

Are there any restrictions on the number of billers I can register?

Are there any limits on the number of payments/ transaction amount that I can make using Kotak BillPay?

Will I continue to receive my physical bill?

Can I pay bills for my family and friends using Kotak BillPay?

Can I delete the biller once added?

After registering for a biller, do I have to pay the bills of that biller only through Kotak BillPay?

If I register a biller, will it automatically be debited from my account on the due date?

How is Auto Pay beneficial to me?

How do I enable AutoPay for a biller?

When will the bills be scheduled for payment for AutoPay?

How can I delete a bill scheduled for AutoPay?

If I delete a scheduled bill, will I be able to make the payment through Kotak BillPay?

What is an AutoPay limit? If my bill amount exceeds the AutoPay limit, will the bill get processed?

Can I set frequency of payment or specify a fixed payment amount for AutoPay billers?

Will I receive any alerts for auto payments?

How can I modify the AutoPay details set for a biller?

Do I get any proof or receipt for bill payment using Kotak BillPay?

I can see BBPS logo while making payments. What does this signify? What is BBPS?

Why can't I see BBPS logo in some of the Bill Payment pages?

What will happen if I have a dispute with the biller?

Can I cancel my payment made using Kotak BillPay service?

When does the payment actually reach the billing company?

How do I view my past bills?

What are the advantages of using the Kotak recharge facility?

When will the prepaid mobile phone/DTH account get recharged?

Is there any confirmation that I will receive post debit of my account for recharge?

Under what circumstances will recharge not be successful?

For which operators can I recharge from Kotak Recharge?

Is there any charge for this service?

Why should I add my number to my Quick Recharges?

Is there any limit on amount to be recharge for prepaid phone or DTH account?

What will happen if I enter an incorrect mobile number or DTH subscriber number?

Don't have a Kotak Credit Card?