HSBC Bank : Auto Bill Payment Service

Name of the Organisation : HSBC Bank (hsbc.co.in)
Type of Facility : Auto Bill Payment Service
Location : India

Website : http://www.hsbc.co.in/1/2/homepage

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Auto Bill Payment Service :
Sign up for this service and enjoy the freedom from tracking bill payment due dates. No more missing due dates, no more standing in queues to pay your bills. Enjoy the convenience of the Auto Bill Payment service by paying the bills from the comfort of your home.

Auto Bill Payment Service Features and Benefits :
Ease of RegistrationEase of Registration :
Fill up a form at your nearest branch or just call the contact centre and register.

Auto DebitAuto Debit :
Bills are paid automatically on due date without you having to issue payment instructions.

Dual Payment OptionsDual Payment Options :
You can either use your HSBC Visa Credit Card or HSBC Bank account to make bill payments.

Free ServiceFree Service :
This service is free of cost for HSBC customers

Register Here : http://www.hsbc.co.in/1/2/personal/internet-and-self-service-banking/bill-payment/auto-bill-payment

Terms and Conditions Bill Payment Service Auto Bill Payment :
This offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (“HSBC India”) and any participation in the offer is voluntary. This offer is applicable to all HSBC India Credit Card Cardholders and all HSBC India account holders having savings and/or current accounts with HSBC India (hereinafter referred to as the “Customer”).

General Terms :
** Utility Bills are bills pertaining to services such as mobile phones, electricity, telephone, insurance premium, etc. .

** Under this offer, the Customer will be able to pay various Utility Bills by issuing SI to HSBC India to debit their Credit Card/ Savings/Current Account for payment of the Utility Bills.

** To avail this service the Customer shall inform HSBC India the Biller details either by filling up a the registration form and handing over the same to a Bank’s official or by calling the Phone Banking or by sending a Secured message through Personal Internet Banking.

** When the Customer registers a Biller on Auto Bill Pay, the Customer authorizes HSBC India to debit the Customers’ account / Credit Card registered for Bill Pay for payment of the specified amount on the due date. Registration for the service is not immediate and the time taken for registration varies from Biller to Biller. By registering the Biller(s) details under the Bill Payment service via SI, the Customer agrees that HSBC India is authorized to accept the Customer’s instructions to make payment from the Custome’s accounts/ Credit Card linked to the Customer’s PBN (personal banking number) / Customer ID, only upto a total of Rs. 250,000 per day (from 00 :01 hours to 24:00 hours Indian Standard Time).

** If the Customer makes any other payment to pre-designated payees during the day from his Bank account(from 00 :01 hours to 24:00 hours Indian Standard Time) through Phone Banking then the overall limit of Rs. 250,000 will be reduced to that extent. In case of Credit Cards, this would be upto the available credit limit or Rs. 250,000 whichever is lower.

** For any registration received between 1st and 21st of every month, the Service Start date (SSD) would be the 1st of the next month. However for registrations received after the 21st of the month (upto last date of the month), the SSD would be the 1st of the month following the next month. All SI’s would be instructed to be debited from the Customer’s authorized account / credit card at least 6 working days prior to actual bill due date (Please continue paying your bills as usual until you get intimation from HSBC India via E-mail, SMS confirming your registration)

** The Customer understands that HSBC India engages third party agent(s)/service providers to provide this service. HSBC India may provide details of the Customer’s accounts and Biller related information, on a confidential basis to the said Billers or third party agents and the customer in order to avail the service shall consent to such disclosure.

** The Customer will have to provide the savings or current account number / Credit Card number and the expiry date of the Credit Card to enable HSBC India to carry out the SI. The Credit Card number and the expiry date will be shared with the third party payment gateway service provider who will seek authorization on the Credit Card prior to processing the SI transaction.

** In case of New to Bank (NTB) accounts, the Customer authorizes HSBC
India to debit the account / Credit Card as and when the account number / Credit Card number is generated after completion of the necessary account opening formalities.

** If a particular Biller is registered for SI then the customer will not be able to register the same Biller for the Online bill payment facility provided by HSBC India and visa versa. The existing View and Pay facility will be deleted and the Customer will then get migrated to the Auto Bill Pay facility.

** In case of an existing registered Auto Bill Pay facility with HSBC India, HSBC India shall not be responsible to initiate any refunds on account of any duplicate payments made by the Customer via other alternate channels.

** In the event of change in the Credit Card number on account of card renewal / lost card replacements, the Customer shall inform HSBC India about the same and HSBC India would thereafter upload the new number for the Auto Bill payment.

** In case the payment on the Customer’s Auto Bill Payment fails on account of insufficient balance / limit on Credit Card, then the Customer will have to make separate arrangements to pay the bill as the Auto Bill Payment instruction will not get processed again.

** In case of any change in the Customer’s mobile number and/or email address the Customer shall inform HSBC India about the same and HSBC India will thereafter update the new number/email address on its records. HSBC India shall not be responsible for any delay in payment notification on account of incorrect or change in mobile number or email ids.

** HSBC India shall not be responsible for any delay made by the Billers (Utility Companies) on account of any errors / omissions on the part of Billers in validation or crediting the Customer’s bill amount to the Customer’s account. The Customer shall have to raise any disputes in this regard with the concerned Biller.

HSBC India or its agents shall not be liable if they are unable to effect any instructions to pay (Payment Instruction) on the date of account being debited (Payment Date) and /or the due date mentioned on the bill (Due Date) due to any one or more of the following circumstances :
1. a) If the Customer’s Bank Account does not contain sufficient funds to cover the payment of the respective bill or the bill amount exceeds the overdraft limit, if any, granted to the Customer.
b) If the Customer makes a bill payment through his Credit Card and the attempt to debit the Customer’s Credit Card results in an authorization failure due to various reasons including but not limited to, sufficient limit not available, credit card in delinquent status, credit card in closed status etc.
2. If the funds available in the Payment Account/Credit Card are under any attachment, lien or charge.
3. The name of Biller and/or details required by the Biller for effecting the payment are not correctly provided by the Customer.
4. Due to refusal of the Biller to receive the payment for any reason whatsoever.
5. For any causes due to Force Majeure such as earthquake, flood, fire and other natural calamities or circumstances beyond the control of HSBC India or its agents.

** HSBC India shall not be responsible if the payment instructions are not effected for reasons not directly attributable to HSBC India or its agents nor for any claim for consequential or punitive damages or for loss of profit. Refunds for rejected payments processed by HSBC India will be credited to the Customer’s bank account / Credit Card within 5 working days from the date of debit.

** HSBC India or its agents shall have the right to suspend the operations of the Bill Payment Service or alter the terms and conditions of the Bill Payment Service at any time by providing adequate notice to the Customer.

** The Customer can delete any Biller on an Auto Bill Pay instruction or deregister to the service by providing the necessary instruction on HSBC India’s Phone Banking service or by visiting a nearest branch of HSBC India. The instruction would be effected within 2 working days of receipt of the instruction.

** The Customer can cancel the Custome’’s existing Auto Bill Pay instruction of any particular bill by providing atleast 1 working day’s prior notice. Payments scheduled within 1 working day/s would be acted upon as per the original instruction. The Customer can also convert from Auto bill pay to any other bill payment facility like Online Bill Pay. The customer will need to first de-register the biller from the Auto pay service and then give a new request for online Bill pay registration through Personal Internet Banking. This will be treated as a new registration and the biller registration TAT will be applicable.

** On deletion of any Biller, the status of the registration will change to “To be deleted”. There would be a look up period of 7 days** where the Customer would be given an option to ‘activate’ this once again. At the end of the 7th Day, the registration would be ‘Deleted’

Charges/ Fees :
HSBC India reserves the right to charge and recover from you, fees for availing the Bill Payment Service. Such fees shall be as stated in the tariff sheet on HSBC India’s website. The Charges shall be debited to the Customer’s savings/ current account / Credit Card with HSBC India. HSBC India reserves the right to amend the applicable tariff from time to time by providing one month’s notice in advance. The change of tariff will also be updated on HSBC India’s website.