This topic provides the systematic instructions to users to add billers within specific categories for the purpose of electronic bill payments and prepaid recharges.

Following types of billers are added.

• Presentment type: Billers presents the bill or invoice to the customer/ user online before paying the bill
• Payment type: Biller does not present bills. Biller allows the users to pay their bills anytime using their current and savings or credit card account that is credited to the billers account
• Presentment and Payment type: Billers has features similar to both Presentment as well as Payment type of billers. The bills/ invoice can be presented to the users for bill payment or the users can pay bills without the invoice
• Recharge type: Billers allows users to do Recharge their prepaid services like Mobile, DTH or Internet

Users can add billers by specifying the Nickname of the biller(nickname should be unique), biller specific single /multiple unique customer IDs e.g. Relationship no, Account number etc., and other Biller labels as maintained in the Biller Maintenance administration screen. Multiple but unique registrations with the same biller are allowed.

When a channel customer does a “Register Biller” transaction, he is essentially registering with the biller to make online bill payments. At this stage some billers may want to validate that the customer is a genuine customer. The behaviour is based on how customer validation has been set up when biller got on-boarded.

Auto: When a biller is of Customer Validation type as “Auto”, customers who add this biller do not need any validation from biller and their registrations are auto-approved and they can initiate online bill payments to this biller

Offline: When a biller is on boarded with Validation type as “Offline”, for Oracle Banking Digital Experience or corporate customers who add this biller, their registration status will be “Pending”. This means that the biller will have to do an offline validation of these registrations and can approve or reject them. OBDX does not provide any OOTB (Out of the box) mechanism for downloading the “Pending” registrations and changing their status by banker or biller.

Online: When a biller is on boarded with Validation type as “Online”, for Oracle Banking Digital Experience or corporate customers who add this biller, their registrations need to be validated by biller online. The online validation could be a redirect to the biller’s website where he can do the validation through REST type web service through which validation happens. OBDX does not provide for OOTB implementation of the online validation.

Pre-requisites:

• Transaction access is provided to the Oracle Banking Digital Experience user
• Billers are maintained in OBDX by administrator
• Admin Biller Category maintenance is done

Features supported in the application

• Add Biller

To register a biller:

1. Perform anyone of the following navigation to access the Register Biller screen.
   • From the Dashboard, click Toggle menu, click Menu, click Transfers & Bill Payments . Under Transfers & Bill Payments,then click Bill Payments, and then click Register New Biller widget, then select the biller category, and then Select the biller.
   • From the Search bar, type Bill Payments- Register Biller and press Enter

   The Register Biller screen appears.
2. Perform one of the following actions:
   • Click on the V icon against the category under which the biller is to be registered.

     The system displays the Billers list.

   • Enter the Biller Category or Name, then the system displays the existing billers based on the details entered.

   The Register Biller – Select Biller Category screen appears.

   Figure 4-1 Register Biller – Select Biller Category

   
   

   
   Description of "Figure 4-1 Register Biller – Select Biller Category"

   
   

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 4-1 Register Biller – Select Biller Category - Field Description

   Field Name	Description
   Search	This field enables the user to search for a specific existing biller by entering the biller name or category etc.
   Category	Displays the categories as maintained in the administrator biller maintenance screen. On selecting a biller from the Biller List, the category, sub-category & location of the biller as maintained in the administrator biller maintenance screen are displayed. The Sub-Category is displayed if sub-categories are maintained under the selected Biller Category.
   Biller	Select the biller as maintained in administrator biller maintenance Each biller consists of the following details:- Biller Logo and Biller Name Biller Category Biller Sub-Category (if maintained)

3. Click on the biller name/category icon under which the biller is to be registered.
   The Register Biller screen appears with the details.

   Figure 4-2 Register Biller

   
   

   
   Description of "Figure 4-2 Register Biller"

   
   

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 4-2 Register Biller - Field Description

   Field Name	Description
   Biller Photo	Displays the biller’s logo, if uploaded, against each biller name. If the biller’s photo is not uploaded, then the initials of the biller’s name will be displayed in place of the photo.
   Biller Name	Displays the following biller details: Biller Name Biller Category Biller Sub-Category (if maintained)
   Biller Nickname	Specify a nickname for the selected biller. The nickname has to be unique i.e. same nickname cannot be used for more than one biller.
   City/Area	Displays the City/Area of the biller.
   Biller Type	On selecting the biller name, the biller type is displayed. The biller type can be: Presentment: Biller is of Presentment type Payment: Biller is of Payment type Presentment and Payment: Biller is of Presentment and Payment type Recharge: Biller is of Recharge type
   Consumer Information
   Customer Name	Specify the customer’s name which to be created under the selected biller.
   Bill ID	Specify the bill ID of the customer.
   Payment Details
   Biller Specific Fields	The fields will be dependent on the biller type selected. E.g. in case of Recharge, you will be required to specify the mobile number registered with the biller along with customer name, etc. Enter information as required.
   Following fields appear for Presentment and Presentment and Payment type of billers.
   Payment Type	Specify whether payments towards the biller are to be automatically paid or if you would like to schedule payments. The options are: Manual Auto Pay Scheduled Pay This feature is available for Presentment and Presentment & Payment type billers only.
   Payment Mode	Specify the payment methods accepted as maintained for the biller by Bank Administrator. The payment type can be: Account: The user can pay bills using their current and savings bank account Credit Card: The user can pay bills using their credit cards; user has to select the month and year of expiry. Debit Card: The user can pay bills using their debit cards. This field will appear if you have selected Auto Pay or Scheduled Pay under thePayment Type field.
   Pay From	Depending on the payment method selected, the values in the drop-down will list either the user’s CASA accounts, Credit Cards or Debit Cards. This field will appear if you have selected Auto Pay or Scheduled Pay under thePayment Type field.
   Show Limits	Displays the transfer limit for the selected channels. For more information, refer Show Limits section.
   Payment Instruction	Select the desired option to identify whether you would like to pay the entire bill amount at every cycle or want to specify a maximum amount upto which the bill should be paid automatically. The options are: Bill Amount: Select this option if you would like the entire bill amount to be paid automatically at every billing cycle. Limit Amount: Select this option if you would like to specify a limit amount so that if the bill is generated above this amount, only this limited amount will be paid and not the full bill amount. This field will appear if you have selected Auto Pay under thePayment Type field.
   Limit Amount	Specify a limit amount to ensure that if a bill of this biller, is ever generated above this specified amount, the bill will not get paid automatically. Auto pay will not be attempted for more than amount mentioned. This field will appear if you have selected Limit Amount under the Payment Instructionfield.
   Amount	Specify the bill amount. This field will appear if you have selected the Scheduled Pay option under the Payment Type field.
   Occurrence	The facility to specify when the bill payment will be processed. This field will appear if you have selected the Scheduled Pay option under the Payment Type Pay field. The options are: One Time: Bill payment to be processed on a user specified future date. Recurring: Bill payment to be processed on user specified future date and at a set frequency.
   Scheduled Date	Future date on which the bill payment will be processed. This field appears if you select the option One Time under the Occurrence field.
   Start Date - End Date	The user can select future start date and end date. This field appears if you select the option Recurring under the Occurrence field.
   Frequency	The frequency for future bill payments. The frequency can be: Daily Weekly Fortnightly Monthly Bi-Monthly Quarterly Semi-Annually Yearly This field appears if you select the option Recurring in the Payment Type field.

4. In the Biller Nickname field, enter the biller nickname.
5. Under the Consumer Information section, enter the following details:
   1. In the Customer Name field, enter the customer’s name which to be created under the selected biller.
   2. In the Bill ID field, enter the bill ID of the customer.
   3. In the biller specific fields, enter information as required.
6. For the Presentment or Presentment or Payment type of biller from the Biller Name list:
   Perform one of the following actions:

   • Under the Payment Details section, from the Payment Type field, select the option of choice;

     Select the option Manual if you wish to make bill payments manually every time the bills are due.

   • Under the Payment Details section, from the Payment Type field, select the option of choice;

     Select the option Manual if you wish to make bill payments manually every time the bills are due.

     OR

     Select the option Auto Pay to set up automatic bill payments.

     1. From the Payment Mode list, select an option of choice to identify the mode through which payment will be made. The options can be Account, Debit Card and Credit Card, depending on the administrator maintenance for the specific biller. The values in the Pay From list will be populated on the basis of selection.
     2. From the Pay From list, select the CASA account/Debit Card/Credit Card, which is to be debited for bill payment.
     3. If you have selected the option Credit Card, select the month and year of card expiry in the Expiry Date fields.
     4. Click on the Show Limits link to view the transaction limits. For more information, refer Show Limits section.
     5. From the Payment Instructionfield,
        Perform one of the following actions:

        • Select the Bill Amount option, if you want the entire amount of the generated bill to be paid at every cycle.

        • Select the Limit Amount option, if you want to specify a maximum amount for bill payment.

          1. Enter an amount in the Limit Amount field.
   • Select the option Scheduled Pay, if you wish to schedule bill payments for either a single instance or recurring instances.
     1. From the Payment Method list, select an option of choice to identify the mode through which payment will be made. The options can be Account, Debit Card and Credit Card. The values in the Pay From list will be populated on the basis of selection.
     2. If you have selected the option Credit Card, select the month and year of card expiry in the Expiry Date fields.
     3. Click on the Show Limits link to view the transaction limits. For more information, refer Show Limits section.
     4. In the Amount field, enter the amount to be paid towards the bill at every instance.
     5. In the Occurrence field, select the desired option:
        1. If you select the One Time option, select a date on which the payment towards the biller is to be made.
        2. If you select the Recurring option:
           1. From the Frequency list, select the frequency at which payments towards the biller are to be made.
           2. Enter the date from which recurring payments are to be made towards the biller in the Start From field.
           3. Enter the date upto which recurring payments are to be made towards the biller in the End Date field.
7. Perform one of the following actions:
   • Click Submit.

     The Review screen appears.

   • Click Cancel to cancel the transaction.
8. Perform one of the following actions:
   • Verify the details and click Confirm.

     The success message for the bill payment request initiation for biller appears along with the reference number.

   • Click Back to navigate back to the previous screen.
   • Click Cancel to cancel the transaction.
9. Perform one of the following actions:
   • Click Pay Bill to make a payment towards the biller.
   • Click View Billers to view the list of billers.
   • Click Go to Dashboard to go to the Dashboard screen.
   • Click View Bills to view past bill payment history.
   • lick Transaction Details to view the details of the transaction.

• Show Limits
  This topic describes the transfer limit for the selected channels.