| Channels | YONO, YONO Lite, OnlineSBI Retail Internet Banking, YONO Business, SBI Unipay pre-login customer portal and BC/CSP assisted channels are listed as customer access routes. | Bharat Connect network access plus bob World mobile Quick Bill Payment/Registered Bill Payment; Bank of Baroda Internet Banking also exposes Utility Bill Payment in its current enhanced BBPS journey. |
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| Bharat Connect / BBPS scope | SBI describes SBI Unipay as its one-stop BBPS/Bharat Connect bill-payment and collection solution and states that SBI operates as both Customer Operating Unit and Biller Operating Unit. | Bank of Baroda describes itself as both Customer Operating Unit and Biller Operating Unit under Bharat Connect and says the network supports all major payment categories with interoperable access and instant confirmation. |
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| Payment methods | SBI Unipay lists Net Banking, debit card, UPI, credit card and direct debit among supported modes. | Bharat Connect supports multiple payment modes; the exact bob World funding route remains subject to the customer's linked account/payment method and app controls. |
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| AutoPay | Direct-debit/recurring capability is part of the payment-mode framework, but the reviewed SBI customer page does not publish one universal AutoPay cap. RBI e-mandate authentication thresholds remain a separate system rule. | Registered Bill Payment automatically fetches the bill each month; the bank's enhanced Internet Banking BBPS notices also reference existing AutoPay registrations. v1.40 keeps bill fetching, AutoPay and recharge as separate states rather than calling every registered biller an AutoPay mandate. |
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| Limits | No current universal SBI Unipay customer amount limit is published on the reviewed service page; biller, channel and funding-instrument restrictions remain controlling. | bob World Quick/Registered Bill Pay/Scan/Tonetag: minimum ₹5, maximum ₹25,000/transaction, ₹50,000/day, ₹1 lakh/week, ₹2.5 lakh/month and 20/day. BOB credit-card payments have a separate table and are not merged. |
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| Charges | SBI's current service-charge schedule states Nil customer charges for bill payments through Unipay-integrated RINB, YONO, YONO Lite and the Unipay customer portal. | No one universal retail Bharat Connect/bob World convenience fee is claimed from the reviewed sources; live channel/tariff controls remain applicable. |
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| Confirmation / history | SBI Unipay promises instant confirmation via SMS/e-mail/printout. The reviewed service page does not support one universal history-retention period, so none is invented. | Bharat Connect provides instant confirmation. Registered billers fetch bill amounts automatically; bob World keeps transactional records for authenticated requests. |
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| Failure / refund | No single current general SBI Unipay failed-payment refund SLA was found on the reviewed customer service page; customers should check transaction status and use SBI/BBPS support rather than repeat an uncertain debit. | bob World FAQ states failed recharge and failed bill-payment amounts are refunded to the account on T+5 working days from transaction date. |
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| Complaints | BBPS/Bharat Connect provides complaint handling and SBI provides customer grievance channels; v1.40 does not invent a bank-specific resolution deadline where the reviewed Unipay page does not publish one. | bob World terms direct complaints to Complaints & Feedback in the app or the bank website for centralized tracking/resolution; Bharat Connect also provides ecosystem complaint handling. |
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