Bill payments can be made for the following categories: Electricity, Gas, DTH, Telecom, Loan EMI, Insurance, Water, NETC FASTag, Cable TV, Education Fees, Broadband Postpaid, Clubs & Association, Credit Card, Health Insurance, Hospital Pathology, Housing Society, LPG Gas, Landline Postpaid, Life Insurance, Loan Repayment, Mobile Postpaid & Prepaid, Municipal Services, Municipal Taxes, Subscription & Water.
You get a single app to pay your various bills across 6000+ billers at zero convenience fees on Spice Pay – Mini.
No, there will be no charges for bill payment done via Spice Pay – Mini app.
Yes, you can check the amount before paying the bill from your wallet account. Please note that all billers will not display the amount due for bill payment.
You may make your Bill Payments currently with your wallet account – only. Spice Pay wallet account is issued by Spice Money Ltd., a non-bank PPI issuers authorized by Reserve Bank of India.
Yes. You will get an online confirmation for Bill Payment. Please note you can also check the status of your transaction under the ‘Passbook’ section of Spice Pay – Mini app.
Existing limit for Bill payments on Spice Pay – Mini app is Rs 10,000 per month.
As notified in Spice Pay – Mini, your money will be refunded in three working days.
You can raise concern in “Need Help” section via the option available on Receipt of transaction. It is also available in the ‘Passbook> Receipt> Need Help’ section. Additionally, you may write to ppicare@spicemoney.com with your concern.
Any person who has a smartphone may open a Spice Pay wallet account by providing minimum details like Mobile number verified with OTP and self-declaration of name and unique identification number of any Mandatory document or Officially Valid Document (OVD). You can download the Spice Pay – Mini app from Play Store.
No, you don’t require a Bank account to open Spice Pay wallet account.
There are 2 types of Spice Pay wallet account:
A. Standard account (Small PPI with Cash loading facility)
B. Premium account (Full KYC PPI)
You can top-up (load/re-laod) your wallet account using any of the following options:
You may add money into your spice pay wallet account, by paying cash to an Adhikari at your nearest Spice Smart Store. The monthly limit are:
A Standard account (Small PPI with Cash loading facility) can be held for a maximum period of 24 months only. The 24 months shall be counted from the day of opening such a wallet account. Within this period of 24 months, it has to be converted into a Premium account (Full KYC PPI) failing which, no further credit in such PPI shall be allowed. However, you ( PPI holder) shall be allowed to use the available wallet balance.
A Wallet account with no financial transaction for a consecutive period of one year shall be made / treated “Inactive” after sending a notice on SMS alert to you (PPI holder). Your wallet account will be reactivated only after validation and applicable due diligence.
Your wallet account statement with details like date of transaction, debit / credit amount, net balance and description of transaction shall be available in Passbook section. You (PPI holder) will also get an to generate / receive account statements for at least past 6 months.
Interoperability enabled through “UPI” and/or “Card network” is allowed only for Premium account (Full KYC PPI). We will soon be enabling the process for converting Standard account (Small PPI with Cash loading facility) to Premium account (Full KYC PPI) using v-cip or e-KYC.
Unauthorized charges
If there are ever unauthorized Spice Pay charges in your wallet account, you can dispute the charge with us. You must notify us as quickly as possible and no later than 7 days after the date of the transaction. Unless you've acted fraudulently or with negligence, you may not be held responsible for the charge. You are covered under RBI Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions.
Transaction disputes
If you submit payment for a product or service and you don't receive the item or if it is materially different than advertised by the merchant, you can dispute the transaction and request reimbursement. You can raise dispute in “Dispute” section via ‘Passbook> Receipt> Need Help > Dispute ’ section. Additionally, you may write to ppicare@spicemoney.com with your concern.
All wallet account transactions involving debit to the wallet, including cash withdrawal transactions, are permitted only by validation through a 2FA. The 2FA for Recharge & Bill Pay using wallet account are i) Device + Sim auth, and ii) “m-PIN or “Android PIN/pattern/biometric/FaceID”
Refunds in case of failed / returned / rejected / cancelled transactions shall be applied to the respective Wallet account immediately, to the extent that payment was made initially by debit to the wallet account, even if such application of funds results in exceeding the limits prescribed for that type / category of PPI.
You will get SMS alert or any payment transaction in your Wallet account. In addition, an e-mail alert may also be sent, wherever registered. The transaction alert shall have a contact number and / or e-mail id on which the you (PPI holder) can report unauthorised transactions or notify the objection.
An existing PPI holder (User) may close his/her wallet by following these steps. Alternatively, User may email the request for closure of wallet on ppicare@spicemoney.com
TAT for wallet closure is 7 days after submission of request by customer
Yes, you can “lock” and “unlock” debit to your wallet account. You can do so either based on your i) preferred timing or ii) lock it until the next “unlock”.
You can “lock” your account by selecting the Lock Account option from the Home dashboard.
Refunds in case of failed / returned / rejected / cancelled transactions shall be applied to the respective PPI immediately, to the extent that payment was made initially by debit to the PPI, even if such application of funds results in exceeding the limits prescribed for that type / category of PPI.
The greivenace redressal of Spice Pay is available on the website with link https://www.spicemoney.com/assets/pdf/customer-grievance-redressal.pdf
To Register a complaint:
The TAT to resolve any customer complaint / grievance expeditiously, preferably within 48 hours and endeavour to resolve the same not later than 30 days from the date of receipt of such complaint / grievance.
Customer can report any unauthorized activity/transaction by blocking your PPI account by Mail us on fraudalert@spicemoney.com
Or
Raise ticket on this URL : www.spicemoney.com/customergrievance.php#unauthorizedtxn (link is also available on website/app)
On reporting of an unauthorised payment transaction Spice Money shall take immediate action to freeze any subsequent debit to customer PPI to prevent further unauthorised payment transactions in the PPI account of the customer.
The liability of a customer in cases of contributory fraud / negligence / deficiency on the part of the non-bank PPI issuer is zero.
The ‘per transaction customer liability’ in such cases will depend on the number of days lapsed between the receipt of transaction communication by the customer from Spice Pay and the reporting of unauthorised transaction by the customer to Spice Pay. If the issue is reported within three days’ of receiving of communication, the customer liability will be zero. Similarly, for any such transaction reported between four and seven days of receiving of communication, the customer liability will be limited to actual transaction value or ₹ 10,000 per transaction, whichever is lower. Reporting beyond seven days’ time will be limited to actual transaction value.
The number of days mentioned above shall be counted after excluding the date of receiving the communication from Spice Pay.
In cases where the loss is due to negligence by the customer, such as where he / she has shared the payment credentials, the customer will bear the entire loss until he / she reports the unauthorised transaction to Spice Pay.
Any loss occurring after reporting of the unauthorised transaction shall be borne by Spice Pay.
Spice Pay shall credit (notional reversal / shadow reversal) the amount involved in the unauthorised electronic payment transaction to the customer’s PPI within 10 days from the date of such notification by the customer. Such reversal has to be effected even if it breaches the maximum permissible limit applicable to that type / category of PPI. The credit shall be value-dated to be as of the date of the unauthorised transaction.
The notional credit so received can be used on resolution of complaint and establishing the liability of the customer by the non-bank PPI issuer. However, in any circumstances, this period cannot exceed 90 days from the date of receipt of the complaint.
The notional credit so received can be used on resolution of complaint and establishing the liability of the customer by the non-bank PPI issuer. However, in any circumstances, this period cannot exceed 90 days from the date of receipt of the complaint.
