Frequently Asked Questions

One8Pay is a comprehensive payment service provider offering seamless solutions for businesses and individuals. Our key services include the Bharat Bill Payment System (BBPS), Payment Orchestration Platform (POP), and KYC Authentication, all designed to simplify and secure your financial transactions.

One8Pay offers cutting-edge payment and identity verification solutions, including:

• BBPS (Bharat Bill Payment System): Simplifying bill payments across various categories.
• Payment Orchestration Platform (POP): Streamlining transactions with smart routing and gateway integration.
• KYC Authentication Services: Ensuring compliance and secure identity verification.

One8Pay’s services are designed for merchants, businesses, banks, NBFCs, fintech companies, and individual users looking for efficient payment solutions, bill processing, or identity verification services.

Here are some reasons to partner with One8Pay:

• Comprehensive Solutions: From bill payments to KYC, we cover all your financial service needs.
• Secure and Compliant: Our services are built with the highest security standards and adhere to RBI regulations.
• Scalable Platform: Designed to grow with your business needs.
• Exceptional Support: Dedicated assistance to ensure seamless operations.

Yes, we follow strict security protocols, including PCI DSS compliance, tokenization, and fraud detection mechanisms, ensuring safe and secure transactions.

To sign up, visit our website, click on the “Sign Up” button, and provide your business or personal details. Follow the instructions to complete the registration process, including uploading necessary KYC documents.

The signup process on the One8Pay dashboard is quick and hassle-free. After submitting the required documents, onboarding typically takes 24-48 hours for approval.

Merchant onboarding with One8Pay involves the following steps:

• Registration: Submit your details and business documents on our platform.
• Verification: Our team validates your KYC and business credentials.
• Integration: Receive access to APIs and tools to integrate our services.
• Activation: Once approved, start using our solutions for transactions and payments.

Companies transitioning to One8Pay often experience:

• Increased transaction success rates due to optimized routing through our POP.
• Reduced operational costs with a unified dashboard for payment management.
• Enhanced customer satisfaction with faster, reliable payment processing.
• Regulatory compliance with our integrated KYC services.

One8Pay partners with leading banks, payment processors, and financial institutions to provide reliable and seamless services. A full list of partner banks is available on our website or can be shared upon request.

You can track all your transaction details, including status and history, through the One8Pay dashboard. Each transaction is logged with:

• Date and time
• Payment method
• Transaction status (successful, pending, or failed)
• Amount processed

If a transaction fails, the amount is generally reversed to your source account within 3-5 working days. In case of delays, you can contact our support team for assistance.

Refunds for failed transactions are processed automatically. If you do not receive your refund within the stipulated time, please reach out to us.

Integration is simple with our developer-friendly APIs and SDKs. We also provide detailed documentation and dedicated support for a seamless experience.

Onboarding usually takes 2–4 weeks, depending on your business requirements and the services you opt for.

Yes, our dedicated technical support team will guide you throughout the integration and onboarding process.

The Bharat Bill Payment System (BBPS) is a centralized ecosystem developed by NPCI to enable secure and efficient bill payments for various services like electricity, water, gas, DTH, telecom, and more.

With One8Pay’s BBPS, you can pay for utilities like electricity, water, and gas bills and more.

Yes, BBPS is a highly secure platform regulated by the Reserve Bank of India (RBI). One8Pay further enhances security through robust encryption and compliance protocols.

Yes, most BBPS transactions are processed instantly. In rare cases of network delays, the transaction may take a few hours to reflect.

While most BBPS transactions are free, certain billers or transactions may incur minimal service charges. The exact charges will be displayed before you complete a transaction.

Yes, businesses can seamlessly integrate BBPS services via One8Pay's API to enable bill payment solutions for their customers.

POP is a centralized platform that simplifies and manages the payment process by integrating multiple payment gateways, processors, and methods. It ensures seamless transaction routing, redundancy, and analytics.

One8Pay’s POP is designed to enhance your payment operations with the following features:

• Diverse Payment Options: Seamlessly accept payments through multiple methods, including credit/debit cards, UPI, digital wallets, net banking, and more.
• Effortless Integration: Connect your systems easily with industry-leading payment gateways using our straightforward integration tools.
• Intelligent Transaction Routing: Ensure higher success rates by directing payments through the most reliable and efficient gateways in real time.
• Minimized Downtime: Maintain transaction continuity with automatic failover to alternate gateways during outages or failures.
• Actionable Insights: Access detailed analytics to monitor payment performance and optimize transaction success rates effectively.

Yes, POP is designed for businesses of all sizes. Small businesses can use One8Pay’s POP to provide a seamless payment experience without investing heavily in infrastructure.

Yes, our POP allows businesses to define and automate custom workflows tailored to their unique needs.

One8Pay’s POP supports integration with leading payment gateways and processors, ensuring maximum flexibility for businesses.

Integration is simple and developer-friendly. One8Pay provides detailed API documentation and support to help businesses integrate POP effortlessly.

KYC (Know Your Customer) Authentication is the process of verifying the identity of users by validating their government-issued documents, ensuring compliance with regulatory requirements.

KYC ensures the legitimacy of users, prevents fraud, and complies with legal and regulatory standards. It is mandatory for most financial transactions in India.

One8Pay offers robust KYC services, including:

• Document Verification: Verification of PAN, Aadhaar, passports, and other government-issued IDs.
• Address Validation: Confirming customers' residential or business addresses.
• Real-Time Customer Verification: Ensuring live customer authentication using biometric data or real-time selfies.
• Background Verification: Detailed checks of criminal, employment, financial, and other public records to ensure secure transactions.

Our background verification services add an extra layer of security by assessing customers’ historical data. This helps businesses identify risks and stay compliant with regulations while ensuring a safe environment for financial and transactional activities.

One8Pay uses state-of-the-art encryption technologies and follows industry best practices to safeguard customer data. All processes comply with data protection regulations like GDPR and Indian IT Act guidelines.

Most verifications are completed within minutes to a few hours. However, extensive background checks may take up to 1–2 business days.

Yes, One8Pay’s KYC and background verification services are designed for seamless integration with your business systems through APIs.

Yes, One8Pay’s KYC services support instant customer onboarding with real-time ID verification and biometric authentication options.

Any business requiring secure customer onboarding can benefit, including financial institutions, e-commerce platforms, fintech companies, and online service providers.

Yes, One8Pay offers APIs for businesses to perform bulk KYC verification efficiently.

One8Pay stays updated with the latest legal and regulatory requirements, ensuring that our services comply with laws like RBI guidelines, AML regulations, and global standards such as GDPR.

Yes, One8Pay offers user-friendly tools for customers to complete their KYC and upload necessary documents online or through mobile apps, ensuring a hassle-free process.

Background verification is conducted using publicly available records, authorized databases, and information provided by the customer. This process is entirely legal and transparent.

If a customer fails verification, the platform notifies the business for further action. Depending on the business’s policies, additional checks or manual reviews can be conducted.

Yes, businesses can choose to perform periodic or event-triggered KYC and background verification to ensure updated and accurate information for existing customers.

Yes, One8Pay’s advanced analytics and verification systems detect potential fraudulent activities by identifying discrepancies or suspicious patterns during verification processes.

Rejected KYC applications are flagged with reasons for rejection. Customers can rectify issues and reapply through an easy-to-use resolution process.

One8Pay provides dedicated customer support to assist businesses and customers at every step of the KYC and background verification process.

Yes, completing KYC is mandatory to comply with legal regulations and ensure secure transactions.

You can complete your KYC by submitting government-issued ID documents (e.g., PAN, Aadhaar) during registration. For businesses, additional documentation like GST details may be required.

Yes, One8Pay uses advanced encryption and complies with data protection regulations to ensure the security and privacy of user data.

One8Pay employs:

• PCI-DSS-compliant systems
• SSL encryption
• Two-factor authentication
• Regular security audits to safeguard all transactions and data.

Yes, One8Pay adheres to all applicable RBI guidelines and ensures compliance across its services.

Yes, one8pay allows customization of the user interface and workflows to align with your brand identity and business processes.

If your transaction fails, the amount will usually be refunded to your account within 3-5 working days. If not, contact our support team for assistance.

We provide 24/7 customer support, detailed documentation, and a dedicated account manager to ensure smooth operations.

Yes, One8Pay provides detailed API documentation, SDKs, and integration guides for BBPS, POP, and KYC services.

You can reach us via:

• Email: care@one8pay.com
• Phone: +91-9958396665
• Chat: Available on our website.

Yes, One8Pay is constantly innovating and plans to introduce more services to enhance your payment and verification experience. Stay tuned for updates!

Can’t find the answer you’re looking for? Get in touch with our team today!