Manage Payees

The online banking application enables users to register and maintain payees towards whom payments are to be made frequently or on a regular basis. Payee maintenance is beneficial to users as, it spares the user the effort and time spent to fill out the payee information every time a payment is to be initiated towards the payee’s account.

The ‘Manage Payee’ feature not only enables users to register payees, but also enables them to add accounts to a registered payee and view and edit or delete the accounts of existing payees. Additionally, the user can also initiate a payment from this screen by selecting the option ‘Pay’ against a specific account of a payee.

Payees can be created and maintained for the following types of transfers:

• Internal Bank Account
• Domestic Bank Account
• International Bank Account
• Domestic Demand Drafts
• International Demand Drafts

Pre-Requisites

• Transaction access is provided to the retail user
• Cooling period is defined

Features Supported In the Application

• Create Payee
• View Payee
• Edit Payee
• Delete Payee
• Initiate payment towards a Payee

Workflow

How to reach here:

Dashboard > Payments Widget > Manage Payees & Billers

OR

Dashboard > Toggle Menu > Payments > Setups > Manage Payees & Billers
OR

Dashboard > Payments Menu > Manage Payees & Billers

Payee Summary

The summarized views of all the Payees maintained by the user are listed on the Payee Summary screen. The user is able to search for a specific payee by entering the payee name in the provided search field. The user is able to expand any payee record in order to view the accounts associated with that payee. Subsequently the user is able to view further details of the account associated with the payee and is also able to edit or delete the specific account. The user is also provided with the option to add a new bank account or demand draft to be associated with the payee.

To manage payees:

• In the Manage Whom field, select the Payee option.
  All the registered payees are listed down by their names defined at the time of payee creation. Additionally, if a photo has been uploaded to the payee, the payee photo also appears against the payee name.
  

• From the Payee List, select and click on the payee whose details you want to view.
  OR
  Click to search for a specific payee whose details you want to view.
  The specific payee record appears
  OR
  Click Add New Payee to create a new payee.
  OR
  Click Edit against a payee photo to edit/ upload a photo against the payee.
  The popup on which you can upload a photo or edit the photo, if payee photo has already been uploaded, will appear.

Edit Payee Photo

This pop up appears when the user clicks on the Edit link against a payee photo. If a photo has already been uploaded against the payee, the user will be provided with the option to change the photo or to delete it. If the user has not uploaded a photo against the payee, the user will be provided with the option to upload a photo.

To edit a payee photo:

1. Click Edit against a payee photo to edit/ upload a photo against the payee.
   The popup on which you can upload a photo or edit the photo, if payee photo has already been uploaded, will appear.
2. Click Change to edit the photo.
   This option is available only if a photo has already been uploaded. The window to browse and upload a photo appears.
   Select a photo to replace the existing payee photo with and click Open.
   The payee photo gets updated.
   OR
3. Click Remove to delete the photo.
   This option is available only if a photo has already been uploaded. The message asking the user to confirm whether the photo is to be removed appears.
   Click Yes to delete the photo.
   OR
   Click No to return to the Edit payee photo screen.
4. Click Upload to assign a photo to the payee. The window to browse and upload a photo appears. Select a photo to upload and click Open. The uploaded photo appears and a message conforming the same appears.
   

5. Click against a specific account associated with specific payee, and then click Pay to transfer funds/ issue demand draft towards the payee.
   OR
   Click View/ Edit to view details of the payee account or to edit the payee.
   OR
   Click Delete to delete the payee.
   OR
   Click Add New Account or Add New Demand Draft to add new account type or demand draft type of payee.
   OR
   Click Back to Dashboard to navigate back to the dashboard.
   

View Payee Details

The user is able to view details of the account associated with the payee by selecting the option ‘View/ Edit’ provided against each account record displayed on expansion of a payee record.

The ‘View Payee Details’ option provides the user with the facility to assign limits each account of the payee. By way of assigning limits, the user is able to define the maximum daily and/or the maximum monthly limits that are to be applicable to an account of the payee. Alternately, the user can also edit or remove these limits, once assigned.

To view the payee details:

1. From the Payee List, select and click on the expand option provided against the payee whose details you want to view.
   OR
   Click to search and select the payee whose details you want to view.
   A card displaying Payee Name, Payee Type and links to add new account or new demand draft to the payee appears.
   OR
   Click Add New Payee to create new payee.
2. Click and then click View/ Edit. The View/ Edit Payee screen appears.
   

• Click Pay to transfer funds to the bank account or to issue demand draft depending on the account type maintained.
  OR
  Click the (edit option) against the Daily Limit field to edit the daily transaction limit.
  The Daily Limit field appears in editable mode.
  OR
  Click the (edit option) against the Monthly Limit field to edit the monthly transaction limit.
  The Monthly Limit field appears in editable mode.
  a. Edit/ enter limits against the daily/ monthly limits field as the case may be.

• b. Click against the Daily Limit / Monthly Limit field to save the changes made.
  A message stating that the limits have been set appears.
  OR
  Click to cancel the editing.

• OR
  Click to edit the details of the payee.
  OR
  Click Back to return to the payee summary screen.
  OR
  Click Remove Limits to delete the set limits assigned to the specific payee account. This option appears only if limits (either daily or monthly) are assigned to the account.
  The Remove Limits pop-up appears.
  Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.
  

Edit Payee Details

Using this option, the user can modify certain details of existing payees.

To edit the payee details:

• From the Payee List, select and click on the expand option provided against the payee whose details you want to edit.
  OR
  Click to search for a specific payee whose details you want to edit.
  A card displaying Payee Name, Payee Type and links to add a new account or new demand draft to the payee appears.
  
• Click and then click View/ Edit. The View/ Edit Payee screen appears.
• Click . The Edit Payee Details screen appears.
  

Edit Payee Details – Internal Account Payee

4. Click the Change link appearing against the payee photo to modify the uploaded payee photo.
   OR
   Click the Remove link to delete the uploaded payee photo.

5. Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.
   Click the Upload Photo link to upload a photo against the payee.

5. From the Branch list, change the bank branch of the payee, if required.
6. In the Account Number field, edit the payee’s account number, if required.
7. In the Confirm Account Number field, re-enter the payee’s account number to confirm the same if the account number has been changed.
8. In the Account Name field, edit the payee account name, if required.
9. In the Nickname field, edit the payee’s nickname, if required.
10. Click Save to save any changes.
    OR
    Click Cancel to cancel payee modification. A warning message appears asking the user to confirm cancellation of the operation.
    

    Click Yes to confirm cancellation of payee modification. The user is navigated to the dashboard.
    OR
    Click No to return to the Edit Payee screen.
    

11. The Review screen appears. Verify the details, and click Confirm.
    OR
    Click Cancel to cancel the transaction. A warning message appears asking the user to confirm cancellation of the operation.
    Click Yes to confirm cancellation of payee modification. The user is navigated to the dashboard.
    OR
    Click No to return to the Edit Payee Details - Review screen.
    OR
    Click Back to navigate to the Edit Payee screen.
12. A success message appears along with Reference Number, Status and account details.
    Click Go to Dashboard to navigate back to the ‘Dashboard.
    OR
    Click the More Payment Options link to access other payment options.
    OR
    Click the Pay Now link to initiate a fund transfer towards the edited payee.

Edit Payee Details – Domestic Account Payee (India Region)

4. Click the Change link appearing against the payee photo to modify the uploaded payee photo.
   OR
   Click the Remove link to delete the uploaded payee photo.

Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.

Click the Upload Photo link to upload a photo against the payee.

5. In the Account Number field, edit the payee’s account number, if required.
6. In the Confirm Account Number field, re-enter the payee’s account number to confirm the same if the account number has been changed.
7. In the Account Name field, edit the payee account name, if required.
8. From the Payee Account Type list, select the type of account associated with the payee to change the same, if required.
9. In the IFSC Code field, edit the value of IFSC code, if required.
10. In the Nickname field, edit the nickname of the payee, if required.
11. Repeat steps 10 to 12 of Edit Payee Details – Internal Account Type section.

Edit Payee Details – Domestic Account Payee (UK Region)

• Click theChange link appearing against the payee photo to modify the uploaded payee photo.
  OR
  Click the Remove link to delete the uploaded payee photo.

Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.

Click the Upload Photo link to upload a photo against the payee.

• In the Account Number field, edit the payee’s account number, if required.
• In the Confirm Account Number field, re-enter the payee’s account number to confirm the same if the account number has been changed.
• In the Account Name field, edit the payee account name, if required.
• In the Sort Code field, edit the value of Sort code, if required. This field appears if the payment type selected at the time of payee creation was Non-Urgent or Faster.
  OR
  In the SWIFT Code field, edit the value of SWIFT code, if required. This field appears if the payment type selected at the time of payee creation was Urgent
• In the Nickname field, edit the nickname of the payee, if required.
• Repeat steps 10 to 12 of Edit Payee Details – Internal Account Type section.

Edit Payee Details – Domestic Account Payee (SEPA)

• Click the Change link appearing against the payee photo to modify the uploaded payee photo.
  OR
  Click the Remove link to delete the uploaded payee photo.

Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.

Click the Upload Photo link to upload a photo against the payee.

• In the Account Number field, edit the payee’s account number, if required.
• In the Confirm Account Number field, re-enter the payee’s account number to confirm the same if the account number has been changed.
• In the Account Name field, edit the payee account name, if required.
• In the Bank Code(BIC) field, edit the value of bank code, if required.
• In the Nickname field, edit the nickname of the payee, if required.
• Repeat steps 10 to 12 of Edit Payee Details – Internal Account Type section.

Edit Payee Details – International Account Payee

• Click the Change link appearing against the payee photo to modify the uploaded payee photo.
  OR
  Click the Remove link to delete the uploaded payee photo.

Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.

Click the Upload Photo link to upload a photo against the payee.

• In the Account Number field, edit the payee’s account number, if required.
• In the Confirm Account Number field, re-enter the payee’s account number to confirm the same if the account number has been changed.
• In the Account Name field, edit the payee account name, if required.
• In the Address Line 1 and 2 fields, edit the payee’s address, if required.
• In the City field, edit the city in which the payee resides, if required.
• From the Country list, change the country in which the payee resides, if required
• In the SWIFT Code field, edit the value of SWIFT code, if required. This field appears if SWIFT Code was selected in the Pay Via field at the time of payee creation.
  OR
  In the NCC field, edit the value of NCC, if required. This field appears if NCC was selected in the Pay Via field at the time of payee creation.
  OR
  In the Bank Details field, edit the values of bank details, if required. This field appears if Bank Details was selected in the Pay Via field at the time of payee creation.
  
• In the Nickname field, edit the nickname of the payee, if required.
• Repeat steps 10 to 12 of Edit Payee Details – Internal Account Type section.

Edit Payee Details – Domestic Demand Draft

• Click the Change link appearing against the payee photo to modify the uploaded payee photo.
  OR
  Click Remove to delete the uploaded payee photo.

Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.

Click the Upload Photo link to upload a photo against the payee.

• In the Draft Favouring field, edit the draft favouring information, if required.
• From the Draft Payable at City field, change the city at which the draft is payable, if required.
• In the Delivery Location field, change the delivery location of the draft by changing the selection, if required.
• Change corresponding fields pertaining to draft delivery based on selection in the Delivery Location field, if required.
• Repeat steps 10 to 12 of Edit Payee Details – Internal Account Type section.

Edit Payee Details – International Demand Draft Payee

• Click the Change link appearing against the payee photo to modify the uploaded payee photo.
  OR
  Click the Remove link to delete the uploaded payee photo.

Note: If a photo has not been uploaded against the payee, the option to upload a photo is made available.

Click the Upload Photo link to upload a photo against the payee.

• In the Draft Favouring field, edit the draft favouring information, if required.
• From the Draft Payable at Country field, change the country at which the draft is payable, if required.
• From the City field, change the city at which the draft is payable, if required.
• In the Delivery Location field, change the delivery location of the draft by changing the selection, if required.
• Change corresponding fields pertaining to draft delivery based on selection in the Delivery Location field, if required.
• Repeat steps 10 to 12 of Edit Payee Details – Internal Account Type section.

Delete Payee Account/ Demand Draft

To delete the payee:

• From the Payee List, select and click on the expand option provided against the payee whose account you want to delete.
  OR
  Click to search and select the payee whose details you want to delete.
  A card displaying Payee Name, Payee Type and links to add a new account or new demand draft to the payee appears.
  
• Click and then click Delete. The Delete Payee pop up window appears with a warning message prompting the user to confirm the deletion.
  

• Click Proceed to proceed with the deletion request.
  OR
  Click Cancel to cancel the deletion process.
• The screen confirming payee deletion appears. The details of the account/draft deleted are also displayed on this screen.
  Click Go to Dashboard to navigate to the dashboard.
  OR
  Click More Payment Options to access other payment options.

Add New Payee

To add a new payee:

• In the Manage Payees screen, click the Add New Payee link.
  The Add New Payee pop up window appears with the options to choose the type of account that is to be assigned to the payee being created.
• Select the option Bank Account to add a payee having a bank account. For more information on Add Payee - Bank Account, click here.
  OR
• Select the option Demand Draft to add details of a demand draft to be issued to a payee.
  For more information on Add Payee - Demand Draft, click here.

FAQ

Can I delete payees towards whom I no longer need to make payments?

You can delete individual accounts or demand drafts of a payee towards whom you no longer wish to make payments. If the payee has a single account or demand draft assigned, the payee record is also deleted. However, if the payee whose account or demand draft details you delete also has other accounts or demand drafts assigned, these accounts or demand draft details will not be impacted by the deletion of any other account or demand draft.

Can I edit the payee name or account details of the payee once a payee has been created?

No. You can only edit or remove the limits i.e. the daily or monthly limits assigned to the account or demand draft of the payee.

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