FAQ's
ABOUT PAYBILL

What is PayBill?
PayBill is a revolutionary SMS based payment service which allows you to use your mobile phone as your credit or debit card. PayBill can be used to make easy and secure payments online, over the phone, across the counter or from just about anywhere.

Where can I use PayBill?
You can use this service at any of PayBill's accredited merchants.

What do I need to use PayBill?
All you need to have is a mobile phone and a bank account with one of our partner banks.

Do I need to open a new account?
Not at all. Your mobile is linked securely to your existing bank account and that's where all your payments will be debited.

Which mobile  phone  do I need to have?
PayBill works on even the most basic phone (GSM) and does not require any special tariff plan or mobile operator registration.

Does PayBill require any GPRS/ EDGE connectivity?
Not at all. It's an SMS based service which makes it extremely simple and cost effective.

Are there any charges for using PayBill?
There is no registration or annual charges whatsoever. Just the cost of a SMS every time you make a payment, plus a nominal service charge by PayBill on every utilities bills transaction only.

What are the advantages of using PayBill?
With PayBill your mobile is your wallet and you are free to pay from anywhere at anytime. Some key features about the service are:
Being an SMS based service makes it extremely easy to use on any phone.
You have the flexibility to use your mobile as your credit or debit card.
You can transact securely without divulging your banking or card details to any merchants.
It can be used to pay for bills and purchases online, over the phone, across the counter or even sitting on your couch, simple via SMS.
Payments happen instantly from anywhere within a few seconds.

ABOUT

How do I register for PayBill?
You register for PayBill with your bank. You have to fill the registration form at any of your bank branches for legality process. After the verification from the bank side you will be registered at paybill within 48 hours.  You will receive the PIN in your registered mobile No.

Are my registrations details secure?
Absolutely. Since you register for PayBill with your bank and not any third party, there is no scope for your banking or personal details to get leaked.

How will I get my PIN?
Once your bank completes the registration process, you will receive the PIN via SMS within 48 hrs. You will also receive instructions on how to change your PIN instantly.

Can I change my PIN?
Surely. In fact the moment we send you the PIN, we insist you change the PIN to something you can easily remember. This can be done via SMS itself. Just send CP (Old Pin) (New Pin) to 5677.

SECURITY

How secure is the mobile transaction?
Using PayBill is possibly as secure as payments can get for multiple reasons: You never divulge your bank account details to anyone.
Every transaction has to be authorized by your 4-digit PIN which is known only to you only.
The PIN needs to be sent from your very mobile number and not some other, thereby ensuring that you are the one authorizing the transaction
Every transaction also has a different 3 alphabet code (or Alpha Code) which is hard coded in the SMS and authenticated by the user. This is an added layer of security apart from your PIN.

What happens if I lose my mobile phone?
Unless someone knows your PayBill PIN, there's no way your lost or stolen phone can be misused for payments. Hence after every transaction we remind you to not store your PIN in your mobile or sent items. Also, just incase you lose your mobile; the first thing you would do is call your operator and get the SIM deactivated or call Paybill call center or  Bank to deactivate the service. Once this is done, the phone is not capable of making payments in any case.

What happens if someone knows my mobile number and gets to know my PIN?
It does not matter since the person cannot do a transaction unless he or she has your very mobile. PIN and Alpha Code authorizations must happen from your number.

Can I share my PIN with my friend?
No, PayBill discourages sharing of PIN information with any of your friends, relatives, spouses as there can be chances of mis-use.

I got a call from PayBill/Bank/Merchant  and they asked for my PIN. What do I do?
PayBill/Bank/Merchant will never ask your PIN hence we request not to disclose it to anyone.

What happens if I enter the wrong PIN?
Your transaction will get declined. You will then have to do a fresh transaction. If you enter a wrong PIN for 3 times your Paybill service will be de-activated. You will have to call your bank or Paybill to re-activate the service. Your service will be active only after proper verification.

Is there a sealing limit to the transactions?
Yes. it depends on the bank. Every Bank will set their own Transaction Limit for daily/monthly/yearly.

Is my PIN confidential?
Absolutely. This is an auto generated PIN from highly secure systems and is not known to any person other than you.

How secure are the systems and processes?
Approved by banking standards and guidelines these systems are highly secure and automated. All transactions happens through secure links and secure servers with no possibility of information leakage since there is no human involvement.

HOW IT WORKS

How secure is the mobile transaction?
Using PayBill is possibly as secure as payments can get for multiple reasons: You never divulge your bank account details to anyone.
Every transaction has to be authorized by your 4-digit PIN which is known only to you only.
The PIN needs to be sent from your very mobile number and not some other, thereby ensuring that you are the one authorizing the transaction
Every transaction also has a different 3 alphabet code (or Alpha Code) which is hard coded in the SMS and authenticated by the user. This is an added layer of security apart from your PIN.

How do I do a transaction?
It's just one SMS.
Once you choose to pay via PayBill at any of the accredited merchants, all you have to share is your mobile number. You will instantly receive a SMS (with the merchant name and amount) asking for authorization of payment via PIN and re-entering the alpha code mentioned in the SMS. Once you reply to this SMS, within a few seconds your bank will authenticate the details and debit the amount to your account. You will instantly receive a confirmation of the same via SMS and the merchants system will also get updated with the status.

What is the "Alpha-code" ?
This dynamic 3 alphabet code is an added layer of security for every transaction that you do and is different every time you pay. This "alpha-code" is mentioned in the SMS you get when paying and all you need to do is re-enter it along with your Pin. For e.g. when paying Rs 100 bill at Muncha.com the SMS you get will be "Muncha.com" wants to charge you Rs 100. To authorize payment reply to this SMS by sending PAY ABC (Your Pin) e.g. PAY ABC 1234 if your PIN is "1234". In this transaction ABC is the alpha-code which you need to re-enter with your PIN. While your PIN remains the same, the alpha-code differs for every transaction and is mentioned in the incoming SMS.

Where do the PIN details go?
Once you reply to the SMS to authorize payment, the details hit the secure banking systems where the mobile number, alpha-code and PIN are authenticated before debiting your account. The process is completely automated and happens on highly secure banking connections and servers. At no stage will you be asked to reveal your PIN to any person from the merchant, bank or PayBill.

Where do the charges appear?
Since your mobile number is mapped to your bank account, all charges are debited accordingly. This means they would reflect in your monthly statements sent by your bank.

Can I link my mobile number to more than one account/ card?
No. Currently one mobile number can be linked to any one account that you may prefer. However, in future we will certainly offer the option to link multiple accounts to your mobile.

What if there is a dispute in the product bought or amount charged?
In case of dispute on the product, you need to get in touch with the merchant and follow their process. In case of dispute in the amount or charge, you will have to speak to your respective bank.

MANAGING YOUR ACCOUNT

What if I change my mobile number?
All you have to do is inform your Bank so that your account is de-linked from the old mobile number and linked to the new one.

What if I change my  bank?
You will need to inform your prior bank that you wish to deactivate the service and thereafter register again for PayBill with your new bank.

Will I be spammed with email or messages?
PayBill has strong anti-spamming guidelines to ensure that your mobile number is never shared for any marketing purposes unless opted for by you. However, PayBill may with your permission keep you informed of special offers and promotions on a timely basis.

Who do I call for any transaction queries or questions?
In case of any additional queries or concerns you can always contact PayBill via email on inquiry@paybill.com.np, or call Paybill call center +977 1 5520302.

How can I unsubscribe from the PayBill service?
To unsubscribe from this service; kindly inform our customer Call Center team (+977 1 5520302) or your Bank.