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Ufone revolutionizes mobile banking with UPayments
 
After years of leading with innovation in Value Added Services, Ufone now offers its customers premium mobile banking services as well… welcome to the world of secure banking on your phone only with UPayments by Ufone.
 
Mobile Banking refers the availability of banking and financial services with the help of mobile handset. The scope of offered services are broadly categorised into Transaction Based (Bill Payment e.g., Ufone’s ULoad & Postpaid Mobile Bill Payments, Utility Bill Payments etc.) and Non-Transaction based (Bank Account Mini Statement, balance Inquiry, Pin Change etc.) services.
 

Mobile financial transaction platforms are rapidly emerging around the world; such platforms harness the intrinsically lower costs of mobile banking platforms compared to traditional banks and exploit the increasingly wide diffusion of mobile telephones across all socioeconomic groups and geographical areas.

Pakistan is among the emerging countries where all banks look forward to reduce transaction overheads supported by the government regulations on banking industry that is why State Bank of Pakistan (SBP) has issued clear guidelines for Mobile Banking that permits only Bank-led model which requires Mobile Banking facilities to Banked Customers (Bank Account holders).
 
This is the first step in this direction, enabling Ufone customers to do financial transactions through their handsets.
 
1. Access Channels & Partners:
 
Following Mobile Banking access channel(s) are offered to Ufone Subscribers:-
 
WAP (Partner Bank: Habib Bank Limited, Backend Solution Providers: TPS & Fundamo)
  
   
  
2. UPayments Salient Features:
 
UPayments WAP Portal offers the following services to its valuable subscribers having bank account(s) with partner bank(s):-
 
All banked Customers can easily access UPayments WAP Portal anywhere any time (even on International Roaming worldwide) through their GPRS enabled handsets by visiting http://upayments.net/
UPayments is a secured WAP portal backed by industry’s most reliable 128 bits SSL certificate issued by Verisign, Inc in name of UPayments.net and ownership to PTML. (The SSL certificate details can be viewed from any handset by checking Page Options/Info or Security Info).
UPayments provide additional security to the subscribers by offering 2 different PINs. First the WAP login PIN (or Ufone PIN) that is used to login to the WAP Portal whereas the second PIN is Bank’s T-PIN (Telephonic PIN) required for every Financial or Non-Financial Transaction ensuring maximum security yet with convenience.
For every successful login and transactions done on UPayments WAP Portal, the subscriber will immediately be notified via SMS to his registered Ufone number.
After the secured Login subscribers can perform the following:-
 
 a. Financial Transactions:-
 
  Ufone Prepaid ULoad (available denominations Rs. 250/-, Rs. 500/-, Rs. 1,000/- and Rs. 1,500/-)
  Ufone Postpaid Bill Inquiry (Total Payable Bill)
Ufone Postpaid Bill Payment (Supporting partial or full payment minimum Rs. 500/- and Max. 5,000/- in multiples of Rs. 50/-)
Utility Bill Inquiry (Supporting KESC, LESCO, SSGC & SNGPL)
Utility Bill Status (Paid, Unpaid, Blocked)
Utility Payment (Direct payment from respective bank account in real time)
 
 b. Non-Financial Transactions:-
 
  Bank Account Balance Inquiry
  Bank Account Mini Statement
Ufone PIN Change (Online WAP Login PIN Change facility. In case if the subscriber forget his Ufone PIN and/or T-PIN than he will have to call Bank’s Call Center at 021-111-111-425)
3. UPayments Subscription:
 
Prior to enjoying the facilities provided by UPayments, Ufone subscribers having bank account with partner banks will have to go through the registration process as per the designated UPayments Access Channels. The registration process also requires subscribers to go through KYC (Know Your Customer) verification process at their respective bank as per SBP Bank-led Mobile Banking Model; this ensures that only valid and authenticated subscribers can get registration and perform the financial transactions. For details please call 333 from your Ufone Mobile.
 
4. Terms and Conditions:
 
Following are the standard terms and conditions for UPayments:-
 
UPayments is offered to all Ufone subscribers (both prepaid and postpaid) having bank accounts with partner banks.
Ufone subscribers must have GPRS activated on their handsets to access to UPayments.
Upon browsing through the UPayments WAP portal, standard GPRS charges (or UrEDGE Data Packages) will be applicable.
Every SMS request to short code 808 will be charged for Rs. 0.25/-+Tax.
For every utility bill payment, the subscriber will be charged Rs. 5/-+Tax from his Ufone Prepaid Airtime.
In case of PIN(s) forget, both Ufone PIN and T-PIN can be regenerated by calling HBL Helpline at 021-111-111-425.
Similarly if the subscriber wishes to change his current used Ufone number to a new Ufone number he will have to visit his HBL branch and fill the requisite form of change contacts and will have to call HBL helpline to get the new number registered for UPayments.
Ufone is not liable for any wrong, delayed or non-payment of Utility Bills. For all issues and concerns regarding Utility Bill Payments subscriber is advised to contact respective bank/utility company for settlement.