| 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. | open by Axis Bank mobile app and Axis Internet Banking expose Bill Pay/Recharge journeys; current Axis material also supports management of billers/standing instructions in the digital channels. |
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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. | Axis participates in Bharat Bill Payment/Bharat Connect on customer and business infrastructure, but v1.40 keeps business API/biller material separate from the retail customer's Bill Pay profile. |
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| Payment methods | SBI Unipay lists Net Banking, debit card, UPI, credit card and direct debit among supported modes. | Funding depends on the selected Axis account/card and biller journey; v1.40 does not generalize business API payment modes into a retail promise. |
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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. | open advertises AutoPay. Axis customer material also exposes Pay Now/Pay My Dues/Auto Pay for Axis credit-card bills and digital deletion/management of standing instructions; biller-specific setup can still be required. |
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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 current universal customer Bill Pay/BBPS amount ceiling was found in the reviewed Axis customer evidence. Funding-instrument, biller and mandate limits remain controlling. |
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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. | No universal retail Bill Pay/BBPS convenience-fee statement is inferred from the reviewed pages; check the live biller/payment screen and account/card tariff. |
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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. | Axis digital channels provide transaction/service records; the reviewed source set does not support one universal BBPS receipt-retention/history period, so none is invented. |
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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. | No single current Axis retail BBPS failed-payment refund SLA is inferred from the reviewed evidence. Check transaction status and raise a bank/BBPS complaint for unresolved debits. |
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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 Axis support/Relationship or Service Relationship channels and the applicable BBPS complaint framework; standing-instruction issues can also require direct biller/insurer contact depending on the mandate. |
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