Bill Payment (Revised)

Money Movement

Bill Payment (Revised)

A hassle-free experience for the customers to pay for their utility bills using their credit cards or CASA accounts almost instantly and conveniently.

Australia

Instant and convenient bill payment experience

Customers can instantly pay for their utility bills using their credit cards or CASA accounts based on their eligibility.

Secure identification

Customers can log in securely with their Citi User Id and password. Refer to the below API callout for retrieving authorization code.

API(s) Callout

View Api Callout 1 >

Customer Consent

Customers are presented with Citi’s consent page where they can go through the terms & conditions of what account information will and will not be shared with the third-party application. If they agree, the customers click on ‘Authorize'. 

Customers validate the one-time password sent to their registered mobile number

Consenting customers can receive a one-time password from Citi on their registered mobile number and then validate it. In the three-legged OAuth flow, one-time password validation is based on a fraud and risk recommendation, but is not mandatory. Refer to the below API Callout for information about retrieving an access token. 

API(s) Callout

View Api Callout 1 >

Customers select the account for bill payment

Customers can select the account for the bill payment. Please refer to the below API callout for determining valid destination-source account combinations for bill payments.

API(s) Callout

View Api Callout 1 >

Customers provide payment details for registered billers/new billers

After customer authentication, the customers need to provide their payment details like card used for bill payment, payee name, date of payment etc.

There are two modes of providing these details:

Option1: For registered billers, by selecting the payee who is already added to the payees list.

Option2: For new billers by adding an ad hoc payee by clicking on Add new payee link.

Customers specify the payment date

Customers can specify the amount and the date of payment. They can either pay immediately or set up a standing instruction for the bank to deduct the payment amount either one time or recurring on a specified date until the end date or cancelled. 

 

 

Customers choose to pay immediately

Customers can provide payment details like biller name, amount, date of payment etc. By selecting the payment date option as 'Today' they can pay immediately. On clicking 'Submit', below API callout is made for creating a bill payment request.

API(s) Callout

View Api Callout 1 >

Customers confirm all the details before making the bill payment

Customers can confirm their details like card number, biller, amount to be paid,payment description etc. before making the payment. On clicking 'Confirm and Pay', below API callout is made to make the bill payment.

API(s) Callout

View Api Callout 1 >

Customers payment confirmation message

Customers get a successful payment confirmation message along with reference number, card details, biller's name, amount paid, date of payment etc.

Customers provide payment details and define an ad hoc payee

Customers provide their payment details like card used for bill payment, payee name, date of payment etc. They also have the option to define a new payee.

Customers provide new payee details

Customers can provide new payee details like biller name, reference number, nickname etc.

Customers provide new payee details (Continued)

Customers continue to provide new payee details like payee description and date of payment.

Schedule the payment date for the ad hoc payee

Customers can choose to pay the newly added payee immediately on the same date. By clicking on 'Submit', below API is called to preprocess the bill payment request.

API(s) Callout

View Api Callout 1 >

Confirm the details before making the bill payment

Customers can confirm their details like card number, biller, amount to be paid, comments etc. before making the payment. On clicking 'Confirm and Pay', below API callout is made to make the bill payment.

API(s) Callout

View Api Callout 1 >

Customers payment confirmation message

Customers get a successful payment confirmation message along with reference number, card details, biller's name, amount paid, date of payment etc. Along with this information a link to add the payee 'Do you want to add this payee?' is also shown.

By clicking on this link, customers can define a new payee. Please refer to the below API callout for adding a new payee.

API(s) Callout

View Api Callout 1 >

New payee addition confirmation

Customers get a confirmation message after the addition of new payee.

Future dated payment scenario

Customers can also select any future date as the date for actual payment.

Select a future date for the payment

Customers can select a future date as per their preference and submit the bill payment request.

On clicking 'Submit', API callout1 is made for creating a bill payment request for the already registered payee and API callout 2  for creating a bill payment request for the ad hoc payee.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Confirm payment details and submit the request

Customers can confirm the payment details like card number, amount, payment date etc. and click on 'Confirm and Pay' to make the actual payment.
Please refer to the below API callout for the bill payment.

API(s) Callout

View Api Callout 1 >

Bill payment confirmation

Customers receive a bill payment confirmation message after successful bill payment.

Recurring payment scenario

Customers can schedule a recurring payment date and frequency to pay for their purchases.

Recurring payment details until canceled

Customers provide the details of their payment like first payment date, recurring frequency etc. The recurring frequency setup by the customers remain valid until explicitly canceled by the customer.

On clicking 'Submit', API callout1 is made for creating a bill payment request for the already registered payee and API callout 2  for creating a bill payment request for the ad hoc payee.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Recurring payment details until the specified date

Customers provide the details of their payment like first payment date, recurring frequency etc. The recurring frequency setup by the customers remain valid until explicitly canceled by the customer. On clicking 'Submit', API callout1 is made for creating a bill payment request for the already registered payee and API callout 2  for creating a bill payment request for the ad hoc payee.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Confirm payment details and submit the request

Customers can submit their request after confirming their payment details. On clicking 'Confirm and Pay', below API callout is made to make the bill payment.

API(s) Callout

View Api Callout 1 >

Bill payment confirmation

After successful bill payment, customers receive a bill payment confirmation message with the payment details along with a reference number to track the request.