What is Bill Pay?
Bill Pay is an electronic method of Presentment and payment of Bills on the Internet. This service is currently available to all NKGSB Bank customers who are registered for Internet Banking. It enables you to pay bills at any time of the day through the internet. This service basically allows you to view bills of your registered service providers on the Internet. You can schedule your payments by giving authorization to the Bank for making these payments at a later date. Subsequently, the Bank will debit your account for the exact amount that you have indicated to pay to the respective Service Provider
Is online Bill Pay secure?
NKGSB Bank's net banking uses the highest level of encryption possible (i.e. 128 bit SSL) for transacting on the net. Your online Bill Pay sessions are encrypted within the banking server and provide you with highest safety level while conducting your transactions.
Do I have to fill in a separate registration form for NKGSB Bank Bill Payment?
No, you don't have to fill in any registration forms for this service. You need to have an active NKGSB Bank Internet Banking User ID and Password. All you need to do is register the Biller to whom you wish to make a payment.
Will I be charged for using this facility?
No, bill payment facility is free for you.
Can I pay from any of my accounts with the Bank?
You can access any of your linked accounts to make your payments. You need to specify the account number while setting up your payment instruction online. Also you should have access to the specified accounts through Internet Banking.
What bills can I pay using this facility?
You can pay bills for all the billers with whom you have to register your payment details. For added complete list of billers, click on the drop down list under the "Add New Biller" section of the NKGSB Bank Internet Banking.
How many billers can I choose to pay using this facility?
There are no restrictions on number of billers that you can register under Pay Bills option provided in Internet Banking
Will I continue to receive my bill from the biller?
Yes, you will continue to receive your bill from the biller as always as per your arrangement with the biller, even after registering for the service with us.
Can I add, delete or change the biller registered earlier?
Yes, you can add, delete or change the biller registered earlier.
What are the various payment options available for Bill Payment?
You can pay your bills by two ways
- Auto Pay on the due date
- Manual Payment
If you have multiple accounts with us, please select the account which should be debited in the case of the Auto pay option.
In case of Manual Payment, the bill payment should be done manually on presentment of the bills. Please schedule or make this payment one day prior to the due date displayed on the screen. For example, if your bill due date falls on 10-04-2018, the payment date will be shown as 09-04-2018. In this case the payment should be made or scheduled to be paid on or before 06-04-2018 as it takes about 2-3 days for your payments to reflect in the biller's account. We request you to make/schedule payments accordingly.
Can I alter my AutoPay instructions once set?
You can alter your AutoPay instructions at any point of time. If you wish to cancel or change a bill scheduled through AutoPay, you may do so for the next pending bill or for all the scheduled bills.
Can I schedule my bill payments on a date of my choice?
Pay Later allows you to set payment instructions for a future date. Please note that AutoPay instructions schedule the payment of your bill on the due date of the bill.
It takes about 2-3 days for your payments to reflect in the biller's account. We request you to make/schedule payments accordingly
When is my scheduled payment processed?
Your scheduled payment is processed in the evening of the specified scheduled date. The payment is sent to the biller on the next working day.
Should the scheduled date be the date on which the payment is actually due?
It is advisable that your scheduled date be at least 3 working days before the due date, since it takes billers a couple of days to update their records with the electronic payment received from NKGSB Bank.
Can I cancel a scheduled payment?
Yes, you can cancel a scheduled payment from the pending payments option under the Bill Payment section of NKGSB Bank Internet Banking. Please note that scheduled payments cannot be cancelled on due date.
Can I make payments after the due date or can I pay my bill in multiple transactions?
Billers offering the 'View Bill and Pay' payment option do not allow payment after due date. Billers offering the Direct Pay option accept part payments and payments after due-date.
Will I have a confirmation of my payment using this facility?
You are given a reference number for successful payments. Your account statement includes the details of your transaction. You can also check the payment history under the Pay Bills tab.
Does the service store my Bill and payment details for future reference?
The Bill Pay service provides archiving facility for the bills paid by you during the last twelve months through this service. NKGSB Bank's Bill Pay service in addition to providing archiving facility also provides an option to generate customized reports for certain payments made by you.
What if a particular bill is not paid by me through this service?
In case you wish to make your payments through cheque or by any other mode to the Biller, the bills are archived so that you can retrieve them at a later stage. You will however continue to receive the e-mail message that a particular bill is overdue and that the payment is to be made. You have the option to delete the bill from the Bill Pay system. In this case, the record of the bill and its payment outside the system shall not be stored in the system.
How will I know that my bills are paid?
There are multiple ways in which you can get to know about the bill payment
- If your service provider informs their customers about the bill's due dates and payments through SMS, you will receive SMS alerts & emails on your registered email ID.
- If you are registered for Mobile Banking with NKGSB Bank, you will get SMS alert for every debit /credit transaction hitting your accoun
- You can view your account through internet banking
- The debits will also reflect in your account statement