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FSS Tech
FSS Tech
FSS Tech

To stay competitive in a digitally driven world, banks must provide a payments experience that is faster, simple and convenient for customers. Paying bills occupies a large portion of consumers’ lives and they expect hassle-free payment options on the go. Digital bill payment enhances consumer convenience by allowing anywhere, anytime payments.

FSS Bill Pay, an easy to implement multi-channel, electronic bill payment and presentment (EBPP) solution addresses instant service expectations of customers.

Banks benefit from a recurring source of revenue by registering customers for a high volume of bill payments that are periodic such as utility and phone bills. FSS Bill Pay’s FSS unified EBPP platform streamlines and accelerates the processing, clearing and settlement of transactions via the centralized bill payment processing system.

The solution helps banks rapidly onboard billers, set up agent networks and integrate with the bank’s delivery channels to allow customers to pay bills using any preferred payment channel.

Supports Multiple Access Channels and Payment Instruments

FSS Bill Pay supports multiple biller categories including Electricity, DTH, Charity, Tax, School Fee, Insurance and Subscriptions.

The solution offers a convenient bill payment experience that is consistent across multiple access channels - Web, Mobile, Agent, ATM.

Customers also have the flexibility to choose any payment instrument to pay bills. This includes credit cards, debit cards, mobile banking, wallet or UPI (India’s Instant Payments scheme)


FSS Tech
FSS Tech

End-to-End Service from Biller On-boarding to Performance Tracking

FSS Bill Pay on-boarding tools enable banks create biller profiles, add biller plans, payment methods and options offered by the biller.

Simplifies Biller Fee <span>Management </span>
Simplifies Biller Fee Management

FSS Bill pay allows banks to flexibly define fees and charges based on the payment channel, biller category and individual profile. Fees can be fixed, variable or slab based. Fees can be added to  a customer’s bill value or charged separately.

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Easy Agent On-boarding and Management

Agent institution on-boarding and management tools allow banks to configure agent institutions, branches, service points and location. Agent institutions can be configured based on the type of businesses. Multiple agents can be configured and be mapped to an agent institution.

Partner APIs <span>  for Rapid Biller On-boarding</span>
Partner APIs for Rapid Biller On-boarding

Rapid implementation and frictionless on-boarding of billers and agents with easy service configuration helps banks offer services faster than competitors. FSS Bill Pay provides APIs that can be readily integrated with the bank’s existing delivery channels including ATMs and POS terminals, Internet Banking, Mobile Banking, Digital Wallets.

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Proactive Customer Alerts

With alert management banks can notify customers when a bill is paid or pending. For banks timely reminders improve collection rates and avoid overcharge on late payments. Alerts on billing related activities helps customers know when their bills are due and not worry about due dates or missed payments improving convenience and satisfaction.

Powerful Reporting Tools

FSS Bill Pay provide banks access to a range of reports to make informed business decisions. Banks can view, agent as well as biller related payment data to make informed business decisions. Banks can gain insights on a range of dimensions including biller, delivery channel, fee customer payables and reversals agents. 


Effective Fraud and
Risk Management

FSS Bill Pay allows banks to identify and limit risk associated with transactions performed by a customer and an agent. Banks can define monthly, weekly and daily velocity and volume checks, based on their risk appetite and the agent and customer transaction profile.

Key Capabilities - Billers

Quick electronic bill payments and presentment

The automatic payment schedule feature of FSS Bill Pay accepts bill summaries at a pre-determined schedule from billers and presents to customers.

Intuitive portal to view transaction details and generate reports

An intuitive portal enables billers to view consolidated payment data from various channels, access settlement and reconciliation details.

Notifications and reminders for easy bill management

FSS Bill Pay notifies customers on all billing related activity. Customers automatically receive notifications when new bill that gets posted by biller who has been added. When there is a pending bill to pay and the payment day is approaching FSS Bill Pay triggers a reminder.

Instant confirmation for payments made

E-receipts for instant confirmation on the payments they make.

Quick support for issues

Customers can raise queries on transactional issues or register a service complaint through the app, or online channels of the bank. The status of complaints can be easily tracked using a reference number. FSS Bill Pay notifies customers as the complaint passes through each stage until resolution.

Offers on bill payments

Discount coupons on bill payments increases purchasing power of the customer.

Key Capabilities - Customers

One platform to view, verify pay bills and resolve queries

EBPP aids customers stay organized and manage their bills from a central place, saving time and money.

Simple, easy and convenient ways to pay

FSS Bill Pay allows customers to pay bills using any payment method. Customers can pay using credit or debit card, net banking, mobile wallet, virtual address or by cash at an agent outlet. Customers can also access any bank payment channels to make a bill payment – ATM, Kiosk, Payment Gateway, CMS, mobile and Net banking.

Flexible payment options

Customers have the option to make bill payments to registered billers in minimum, full, partial and excess.

Automatic payment for recurring bills

Customers can set up automatic recurring payments at the same time every month or pay a single bill online immediately. For billers who have been enrolled, customers can set a threshold limit and receive alerts for bill amounts that cross a certain limit.

Key Capabilities - Agents

Agent interface for bill payments

The platform provides a simple interface for agents to make bill payments on behalf of customers including mobile recharges, DTH recharges, electricity bills, gas bills and water bills.

Complaints and dispute management

Agents can register complaints and view payment history for details on failed transaction. Workflows for automatic escalation ensure quick resolution.

Rich dashboards

Agents can view settlement and payment reports for each biller. The settlement report contains detailed reports on transactions carried out for a specific bank or biller respectively.

Value-added services

Agents can extend value added services to customers such as  loyalty benefits leveraging a unified view of customer trends and patterns.

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Benefits to Banks
FSS Tech
Benefits to Merchants
FSS Tech
Benefits to Customers

Associated Products and Services

Payment Analytics

Maximize business performance with data-driven insights


Revolutionary real time payments


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