This topic provides the systematic instructions of the bill payment process for recharge-type billers, which enable customers to replenish their prepaid services, such as mobile, DTH, or internet.

The customer can re-charge by selecting a plan offered by the biller or top –up/add money to an existing plan.

In case of multiple bill payment, if in Group Corporate Onboarding - Group Corporate Profiling setup, Approval Routing Type is selected as Manual, system will allow initiator to choose the approval workflow from the resolved rules as part of transaction initiation. This selection is applicable to transactions whose status is Initiated. Refer Group Corporate Onboarding - Group Corporate Profiling section in User Manual Oracle Banking Digital Experience Core for more details.

To pay a bill:

1. Click Pay against the biller for which you want to pay the bill.
   The Pay Bill screen appears.

   Figure 3-19 Pay Bill - Recharge Type

   
   

   
   Description of "Figure 3-19 Pay Bill - Recharge Type"

   
   

   Note:

   The fields which are marked as Required are mandatory.

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

   Table 3-9 Pay Bill - Recharge Type - Field Description

   Field Name	Description
   Biller Name	Name of the biller.
   Biller Nickname	Nickname of the biller.
   Category	The category of the biller.
   Sub-Category	The sub-category of the biller.
   Location	The operational area of the biller.
   Customer Name	Customer name as maintained in biller records (entered by user while adding the biller).
   Customer Number	Customer ID as maintained in biller records (entered by user while adding the biller).
   Note	The text displaying payment methods accepted by the biller appears on the screen. The text is maintained for biller in the administrator biller maintenance.
   Payment Type	User has to select the payment methods accepted by biller. 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.
   Pay From	Depending on payment method selection, the values in the drop-down have active current accounts, savings account/ debit cards/ credit cards of the customer.
   Expiry Date	The date on which card will expired in MM.YY format. This field appears if you select Credit Card option in the Payment Type field.
   Select Plan	The option to select a recharge plan.
   Recharge Amount	The amount is populated, depending on the type of plan selected by the user from the Select Plan list. Alternatively, user can also manually enter the amount he wants to top-up/add to his existing pre-paid plan.
   Pay	The facility to specify when the bill payment will be processed. The options are: Now: Bill payment processed on same business day subject to processing window availability. Later: Bill payment to be processed on a user specified future date
   Scheduled Date	Future date on which the bill payment will be processed. This field appears if you select the option Later in the Pay field.
   Do you want to add an attachment?	Select an option to identify whether you would like to add an attachment. Select option Yes if you would like to add an attachment. Select option No if you do not wish to add an attachment.
   Attachment	Drag and drop or click the icon to browse and attach a document against one bill payment record. Note: Only one document per bill payment is allowed. To attach multiple documents against one bill payment record, the user has to attach in the form of a ZIP file. By default, the supported formats are JPEG, PNG, PDF, TXT, ZIP, and DOC. The maximum allowed file size will be 15 MB.

2. In the Payment Type field, select the desired payment method to pay the bills.
3. From the Pay From list, select the source account/ debit card / credit card to be debited.

   Note:

   Click the icon to default the selected account for all the bill payment records. This option will only be available in case of multiple bill payments.
4. From the Expiry Date lists (month and year), select the Card Expiry Date.
5. From the Select Plan list, select the plan to be recharge.
   Perform one of the following actions:

   • From the Select Plan list, select the plan to be recharge.

     The Recharge Amount field is populated depending on the selected plan.

   • In the Recharge Amount field, enter the amount for recharge, if you have not selected any plan.
6. Click the View Limits link to check the transfer limit.
   Refer the Limits section as documented under the Pay Bill – Presented Type section.
7. In the Pay field, select the option to indicate when the bill payment will be processed.
   Perform one of the following actions:

   • If you select the option Now, the bill payment will be processed on the same day.

   • If you select the option Later, select the date on which you want to process the bill, from the Scheduled Date field.

     Note:

     Click the icon to default the selected date for all the bill payment records. This option will only be available in case of multiple bill payments.
8. In the Do you want to add an attachment? field, select an option to add an attachment.
   1. If you select Yes option to add an attachment;
      1. Drag and drop or click the icon to browse and attach zip file against one bill payment record.

         Note:

         Click the icon to remove the attached zip file from the bill payment record. This option will only be available in case of multiple bill payments.
9. Perform one of the following actions:
   • Click Submit.

     The Review screen appears.

   • Click Cancel to cancel the transaction.
   • Click Back to navigate back to the previous screen.
10. Perform one of the following actions:
    • Verify the details and click Confirm.
    • Click Back to navigate back to the previous screen.
    • Click Cancel to cancel the transaction.

    In case of multiple bill payments, the Multiple Bill Payments Status screen appears.

    Figure 3-20 Multiple Bill Payments Status

    
    

    
    Description of "Figure 3-20 Multiple Bill Payments Status "

    
    

    Note:

    The fields which are marked as Required are mandatory.

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

    Table 3-10 Multiple Bill Payments Status - Field Description

    Field Name	Description
    Biller Name	Name of the biller.
    Category	The category of the registered biller.
    From Account	The current and savings bank account from which customer can pay the bill.
    Amount	The amount that is to be paid by the customer along with the currency.
    Reference Number	The generated OBDX reference number.
    Status	The current status of the bill. The different status options are: Processed- The transaction was eligible for auto-approval and hence the transaction was automatically approved and sent to the core banking system for further processing. In this case assigning of approval workflow is not required. Failed- The transaction has failed in OBDX due to validation errors. In this case, the transaction is not sent to the core banking system for further processing. Initiated- The transaction is initiated in OBDX however is pending for approval. The approval will be initiated only once the user selects the approval workflow manually.
    Approval Workflow	In case of Initiated status, an option is available to assign the approval workflow manually.

    • If status is Processed, the transaction was eligible for auto-approval and hence the transaction was automatically approved.
    • If status is Failed, the transaction has failed in OBDX due to error and hence the failure reason is displayed without any approval.
    • If status is Initiated,
      1. Click on the Assign link, and all the resolved rules will be shown on an overlay.

         For each resolved rule, details like rule name, approval levels, sequential/parallel, rule amount range, users of a group are displayed.

         Figure 3-21 Assigning Workflow

         
         

         
         Description of "Figure 3-21 Assigning Workflow"

         
         
      2. Select a workflow from all the resolved rules from the overlay screen.
      3. Click Assign to assign the workflow, the transaction will be sent for approval as per the selected approval rule.
      4. On assignment, a message of workflow assigned successfully appears along with the reference number.

         The status is updated as Pending for Approval and approval workflow is Assigned.

         Figure 3-22 Assign Workflow- success message

         
         

         
         Description of "Figure 3-22 Assign Workflow- success message "

         
         

         Note:

         Click the icon to default the selected date for all the bill payment records. This option will only be available in case of multiple bill payments.

         Figure 3-23 Transaction journey of the workflow

         
         

         
         Description of "Figure 3-23 Transaction journey of the workflow"

         
         

    The success message appears along with the reference number, status and payment details with workflow assigned for reference number.

11. Perform one of the following actions:
    • Click Pay Another Bill to pay another bills.
    • Click Home to navigate to the dashboard.
    • Click Add Biller to add the billers.