| 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. | Canara ai1 Mobile Banking, Net Banking and the bank-listed BBPS web URL are the current customer channels in the reviewed FAQ. |
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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. | Canara describes BBPS as an interoperable, accessible anytime/anywhere bill-payment ecosystem intended to provide certainty, reliability and safety. |
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| Payment methods | SBI Unipay lists Net Banking, debit card, UPI, credit card and direct debit among supported modes. | The reviewed customer FAQ focuses on the bank channels rather than publishing one exhaustive funding-method list; v1.40 therefore does not infer unsupported payment instruments. |
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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. | The reviewed Canara customer FAQ establishes BBPS bill payment/history/confirmation but does not publish one universal AutoPay setup/limit for all billers. Recurring mandate rules remain separately evidence-gated at bank/channel level. |
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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 universal amount ceiling is stated in the reviewed Canara BBPS customer FAQ; biller/channel/payment-method restrictions 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. | Nil customer transaction charges through Canara Bank BBPS according to the current customer FAQ. |
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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. | Receipt is displayed after completion, instant SMS confirmation is provided, and receipts for earlier paid bills can be downloaded from Transactions history. |
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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. | The reviewed Canara customer FAQ does not provide one universal failed-payment refund SLA; check status/receipt first and use Canara/BBPS support for unresolved debit or biller-posting issues. |
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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 Canara Bank customer support and Bharat Connect/BBPS complaint handling. No bank-specific complaint TAT is manufactured from the reviewed customer FAQ. |
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