| 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. | HDFC Bank NetBanking and MobileBanking are the main BillPay channels; SmartPay registration/help is also documented through PhoneBanking and branch routes. |
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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. | HDFC BillPay/Recharge is the bank customer bill-payment layer and follows current Bharat Connect/BBPS participation and biller availability; the bank separately states non-compliant/non-BBPS biller processing restrictions in current service notices. |
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| Payment methods | SBI Unipay lists Net Banking, debit card, UPI, credit card and direct debit among supported modes. | Credit card, debit card or HDFC Bank account are supported according to the BillPay/SmartPay pages. |
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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. | SmartPay/standing instructions automate recurring bills, allow a customer-set payment limit per biller and can be viewed/stopped/modified. Current terms require additional authentication above ₹15,000 for general e-mandates and above ₹1 lakh for mutual fund, insurance and credit-card repayment. |
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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. | Category-specific fraud controls include one mobile-prepaid transaction up to ₹1,000 in the first 24h then up to 3/day totaling ₹3,000; DTH allows one up to ₹2,000 in the first 24h then up to 3/day totaling ₹12,500. These are not universal bill-payment limits. |
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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. | HDFC Bank currently says BillPay is free and SmartPay has zero transaction fee/service fee. |
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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. | Successful BillPay creates a reference number and appears in the account statement; HDFC NetBanking also exposes bill-payment history, biller management and scheduled-payment controls. |
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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. | The reviewed current BillPay material does not publish one universal refund TAT for every biller/category. Status/reference evidence should be checked before retrying and biller-specific exceptions remain possible. |
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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. | Use HDFC customer support plus the applicable Bharat Connect/BBPS complaint path for bill-payment disputes; no single bankwide BBPS complaint SLA is inferred from the reviewed pages. |
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