| 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. | ICICI Bank Internet Banking and iMobile app; current pages expose biller search, fetch/register, payment and receipt journeys in both. |
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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. | ICICI's July 2026 terms define BBPS/Bharat Connect routing and state that ICICI operates as a Customer Operating Unit/facilitator for customer bill payments. |
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| Payment methods | SBI Unipay lists Net Banking, debit card, UPI, credit card and direct debit among supported modes. | Current bill pages explicitly support ICICI Bank Savings Account and Credit Card; channel authentication includes OTP on Internet Banking and app authentication on iMobile. |
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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. | AutoPay can be enabled for registered billers and executes three days before due date per FAQ. Additional authentication applies above ₹15,000 generally and above ₹1 lakh for credit-card bills, insurance and mutual funds; inactive AutoPay registrations can be suspended after six consecutive months without successful payment. |
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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. | No single all-biller amount ceiling is published in the reviewed customer page; biller/payment method and e-mandate authentication thresholds remain separate controls. |
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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. | ICICI Bank states zero convenience fee for bill payments and mobile/DTH recharges through its platforms. |
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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. | Final screen shows success/failure, successful payment triggers SMS, receipts can be downloaded, and the current main page exposes 15-day bill-payment history while the upgraded iMobile experience advertises broader bill history/status views. |
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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. | Net Banking FAQ says if a transaction is still 'in process' wait 4–6 hours; if failed, the amount is reversed within 7 days. A successfully completed bill payment itself cannot simply be refunded through BillPay. |
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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. | ICICI's current terms route disputes through the BBPS/relevant system framework and bank support; the bank facilitates receipt/submission rather than acting as the underlying biller. |
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