The Amway IBO Compensation Plan was designed to reward your accomplishments and growth. The Plan is comprehensive and provides for several types of monthly and annual bonuses based on performance and leadership.

Performance Bonuses

You can earn income through monthly Performance Bonuses ranging from 3% to 25% of your business volume. Performance Bonuses are based on sales volume and determined based on two sets of metrics:

Point Value (also known as PV), and Business Volume (known as BV)

PV is a unit amount assigned to each product. The higher your PV total, the higher the percentage (up to 25%) used in calculating your bonus.

BV is a dollar figure assigned to each product. The total BV associated with your monthly sales volume is multiplied by the percent determined by your PV total to determine your Performance Bonus.

(Both PV and BV are published and readily available for each AMWAY™ product and service.)

To calculate your gross Performance Bonus, add the Pass-up Volume from your frontline IBOs (those you personally registered) – both PV and BV – to your personal PV and BV, then make your calculation according to the Performance Bonus Schedule (below). However, any Performance Bonuses earned by your frontline IBOs, using the same Schedule, must be subtracted from the gross amount to arrive at your net Performance Bonus.

Performance Bonus Schedule

If Your Total Monthly PV is:   Your Performance Bonus Is:

7,500 or more  25% of your BV

6,000   23%

4.000   21%

2,500   18%

1,500   15%

1,000   12%

600     9% 

300     6% 

100     3% 

Note: Experience has shown that IBOs who register others generally havehigher average volume than those who do not register others.

Other Bonuses

Spend time familiarizing yourself with the complete offering of monthly andannual performance and leadership bonuses, awards, and qualifications. TheAmway Independent Business Owner Compensation Plan is explained indetail in Section A of the Amway Business Reference Guide.

For further assistance, Contact Us.mmm

UCO M-Banking Services

UCO mBanking Services is a full fledged application based Mobile Banking Solution available on mobile phones (SMS/GRPS) where the user is required to download the application software on to the mobile handset.

Applicability of UCO mBanking Services

    UCO mBanking service will be available to Savings Bank account holders with single or joint with E/S or Anyone /S facility. It will also be available to Current Account – Individual holders.

    In case of joint holders with E or S or Anyone or Survivor facility, mandate of other holder to operate the account is essential.

    At present, it is confined to holders of UCO Visa/ATM cards as UCO Visa/ATM cards are issued only to those holders who comply with KYC norms. However, non-Visa/ATM card holders can also get the facility after they comply with KYC stipulations.

    The service will be carrier-agonistic i.e. all customers can avail the services irrespective of the service provider for the mobiles.

    At present, the service is free of charge. However, SMS/GRPS cost will be borne by the customer as and when required to avail the services.

Requirement

Any phone or mobile operator is supported by the system.UCO mBanking works on even the most basic phone (GSM or CDMA) and does not require any special tariff plan or mobile operator registration.

Registration Process

Registration of UCO mBanking can be done through either of the following two processes:- 

A. Registration through UCO ATM: 

Customers can walk in at any ATM of UCO Bank and click at the Other services. They can choose Mobile Banking Registration. It will show

i) Registration

ii) De-Registration and

iii) Forgot Application Password/ mPin. 

After selecting Registration, system will ask the customer to give her/his Mobile Number. It will then ask to select the account type of the account to be linked viz. Savings or Current. On choosing, it will confirm registration and a receipt will be issued quoting the card no. with the message “Your Mobile Number Registered Successfully”

Customers will get an SMS containing a link for downloading the Mobile Banking Application Software. SMS will also contain application password and mPIN of the Mobile Banking Services.

On opening the link, application software will be downloaded in the handset of the customer

However, if for some reason, customer is unable to open the link, s/he has the option to download the application software from the website http://mobile.fssnet.co.in/MPAYPORTAL and copy it to her/his mobile handset.

After downloading the application software, customer will be prompted to install the application.

After installing the application, customer will open the application with application password and system will force the user to change the application password, initially provided by the system at the time of registration.

Customer will, then, be prompted to change the mPIN. The mPIN should have four digits.

B. Registration through Branch

Customers who do not have UCO Visa/ATM card or where UCO ATM is not available can go to branch and submit the application. 

Customer will submit request for UCO mBanking as per prescribed format (Annexure 1) at the branch, which will consist of, among other things, Mobile Number of the customer. On getting the same from the customer, branch will verify the signature of the applicant as also signature of any joint holder. It is to be ensured that the particulars

especially card number mentioned in the application form matches with that available in bank’s core banking system.

Branch will lodge the request to HO ebanking Cell through IRPS, where it will be uploaded through bulk uploading system.

Customers will get an SMS containing a link for downloading the Mobile Banking Application Software. SMS will also contain application password and mPIN of the Mobile Banking Services.

On opening the link, application software will be downloaded at the handset of the customer.

However, if for some reason, customer is unable to open the link,  s/he has the option to download the application software from the website http://mobile.fssnet.co.in/MPAYPORTAL and copy it to her/his mobile handset.

After downloading, customer will prompted to install the application.

After installing the application, customer will open the application with application password and system will force the user to change the application password, initially provided by the system at the time of registration.

Customer will, then, be prompted to change the mPIN. The mPIN should have four digits.

Password Properties

Users will be provided with two password by way of SMS

(i) Application Password and

(ii) mPIN. 

Application Password is required for logging into application. After initial login system will ask for changing the password. Similarly, system will prompt to change mPIN. At the time of first login, both the application password and mPIN are to be changed mandatorily. Passwords should consist of four digits and both, the application password and mPIN should not be same.

Login Procedure

Once the application is installed, an icon or list in the name of UCO mBanking with bank’s logo will be visible in the mobile. Users will have to select the icon. System will ask initially whether s/he is a new user or old user. For first time login after Registration, user should select as a new user and for subsequent utilization, s/he should select as old user. However, in case of change of mobile handset or change of mobile number, user should select as old user. 

Once it is selected as new user, system will ask to put the Application password and to change it. Once validated, it will mandatorily prompt the user to change the mPIN. 

After changing both the application password and mPIN, system will prompt for communication mode viz. SMS or GPRS. By default, mobiles are under SMS mode only. However, depending on the choice of user, it can be changed to either SMS or GPRS.

For subsequent use of the application, users will have to simply select the UCO mBanking and put the application password and mPIN. For any utilization viz. balance enquiry, mini statement, fund transfer etc mPIN is required and only validation result will be exhibited. 

UCO MBanking Services

Informational Services

  Balance Enquiry

  Statement of Accounts

  Holding, Bill and Scrip enquiry in Demat A/c

Transaction Services

Fund Transfer –

i) Within Bank

a) From Mobile to Mobile

b) From Mobile to account

 

ii) Other Bank –

a) Through IMPS

b) Through NEFT

  Booking of Airtickets, Movie Tickets

  Utility Bill Payment,

  Donation to Temple, Charity

 

Request Services

  Cheque Book

  Statement of Accounts

  New Pin or Change Pin

  Cheque Status Enquiry

  Stop Payment of Cheque

  Hotlisting of ATM/Debit Card

Transaction Limit

UCO mBanking shall be subjected to a transaction limit as specified by Reserve Bank of India with daily maximum limit of Rs.50,000/- (Rs.5,000/- per transaction for fund transfer and Rs.10,000/- per transaction involving purchase of goods and services).

Utility Bill Payments

Customers will be able to avail Utility Bill Payments through UCO mBanking. For this purpose, pool account system, i.e. accumulation of all payments to a single collection account will be used, as in the case of UCO eBanking, and from there the payments will be made to different utility billers. Existing nodal branch for UCO eBanking utility payment will function to take care of utility bill payments through UCO mBanking as well. A new collection account number 00030210001646 may be utilised for the purpose for settlement of utility bill payments of UCO mBanking.

Generation of Application Password/mPIN

In case of requirement of generation of new application Password or mPIN, users can go to UCO Bank ATM, insert their card and validate it by providing PIN and go to Other Services. They can choose from the screen Forgot Application Password/mPIN, and a new Application Password/mPIN will be sent to their mobile number.

De-Registration from UCO mBanking

Customers shall be able to withdraw from UCO mBanking by two processes:

1.      Through UCO Bank ATM

2.      Through Branch

3.      Through UCO Bank ATM

Customer can walk in at any UCO ATM, insert their card and validate it with his/her PIN. They can choose Other services – Mobile Bank Registration – De –registration. They system will prompt to put his mobile number. On putting the mobile number, system will give a receipt “ De-Registration of your Mobile Number is successful”

Through Branch

Customers can give a letter in writing quoting their mobile number for withdrawing from UCO mBanking. Branch will lodge the request to HO, which will be uploaded at their end. 

Minimum Balance and Charges

There is no specific minimum balance or charges for UCO mBanking. However, normal banking rules for minimum balance shall apply. Similarly, at present there is no charge for UCO mBanking. However, customers will have to bear normal SMS/GRPS charges as applicable for the ser

http://mobile.fssnet.co.in/MPAYPORTAL

Troub

leshooting & Technical Support

 

 Introduction

Back to Top

This document contains frequently asked questions on FSS mobile banking product raised by the users. 

GeneralBack to Top

 

Mobile Banking Applic

ation (FSS mPAY) is a service that facilitates you to do ban

king transactions through your mobile phone. mPAY servi

ces can be initiated in SMS, GPRS or WAP mode through your

mobile. What is mPAY?

FSS mPAY works on the 'Text Messa

ging transmission' also called the SMS. It can be mPAY App

lication menu selection or customer entering SMS Tag based

transactions.

After registering the respective mobile num

ber with FSS mPAY, the subscriber can initiate transactions

using registered mobile by enabling GPRS and accessing F

SS Mpay website or through sending SMS. SMS message trave

ls from your mobile phone to SMS Center of the Mobile Oper

ator. Mobile Operator passes the transaction to the Mobile S

ervice Provider. Service provider routes the transactio

n to the Mobile Banking services. Here, the transaction is

processed and the result is sent to your mobile phone via t

he same route.

GPRS transactions from your mobile pass t

hrough Internet Gateway to Mobile Banking Services dire

ctly.SMS Tag based transactions are clear text messages t

hat use transaction set code and other necessary details.

Subscriber, simply, has to enter the respective Transacti

on Code along with other required details and send a defined

number to mobile banking services as a normal SMS from h

is/her mobile, just like other SMS messages. How does FS

S mPAY work? 

The first and the foremost benefit is that b

eing an FSS mPAY subscriber, using your registered mobil

e phone, you can conduct banking transactions 24 X 7 (Any

where Anytime Banking) at your own leisure pace. The oth

er benefits are as follows:Why should I subscribe to FSS mP

AY service?

The exact answer is to become partner of a s

afe, secure, convenient, and affordable banking servi

ce. FSS mPAY provides you reliable and transparent Mobil

e Banking services round the clock (24X7).What are all th

e charges do I need to pay to access FSS mPAY service?

What are the prerequisites do I need fulfil b

efore having FSS mPAY service on my mobile?

The prerequisites are as follows: You must be an account holder of the bank to avail mobile banking services and should have registered for FSS

mPAY services through either the ATM or branches of banks. You must have a valid debit card issued by the bank. If you do not have a debit card, bank must permit you to avail

services using your Account number.

You must be either a prepaid/post-paid mobile subscriber.          Notes:

If you are using advanced mobile handset loaded with java/windows/ android/etc, then it should have minimum 200kb phone memory space, 1MB heap memory space, and be equipped with MIDP2.0 at the time of downloading the mobile banking application.

If your mobile is Windows enabled, then it must be equipped with Windows 6.0 Professional and above versions.

You must download and install the FSS mPAY mobile application from the website into your mobile or you can also use the following SMS tags to perform transactions:

SMS Transaction Tag List

UMobile ActivationSyntax: ACTV <Application password> Example: ACTV 1234

MPin ChangeSyntax: CHANGEPIN <OLDPIN> <NEWPIN> <CONFIRM-NEWPIN>Example: CHANGEPIN 5555 4444 4444

Balance EnquirySyntax: BAL <MPIN>Example: BAL 4444

Mini StatementSyntax: MINI <MPIN>Example: MINI 4444

Mobile to Mobile - Request

Syntax: FTMM <MPIN> <BENE-MOBILE> <AMOUNT>Example: FTMM 4444 9790951696 100

Mobile to Mobile - Fund Transfer Confirmation

Syntax: CONFMM <MPIN> <TXNID>Example: CONFMM 4444 123456789012

Mobile to Account - Request

Syntax: FTMA <MPIN> <ACCOUNTNO> <AMOUNT>Example: FTMA 4444 8888888888812345 100

Mobile to Account - Fund Transfer Confirmation

Syntax: CONFMA <MPIN> <TXNID>Example: CONFMA 4444 789456123012

NEFT - Request

Syntax: NEFT <MPIN> <IFSCCODE> <ACCOUNTNO> <ACCOUNTNAME> <AMOUNT>Example: NEFT 4444 SBIN0009678 4567891230123456 BENNAME 100

NEFT ConfirmationSyntax: CONFNEFT <MPIN> <TXNID>Example: CONFNEFT 4444 789456123012

Mobile RechargeSyntax: MOBREC <MPIN> <MOBILENUMBER> <AMOUNT>Example: MOBREC 4444 9876543210 100

Cheque book requestSyntax: CHEQUE <MPIN>Example: CHEQUE 4444

Account statementSyntax: STMT <MPIN> <STARTDATE> <ENDDATE>Example: STMT 4444 01/02/2010 10/02/2010

Loan requestSyntax: LOAN <MPIN>Example: LOAN 4444

Credit card requestSyntax: CREDIT <MPIN>Example: CREDIT 4444

New Account requestSyntax: NEWACC <MPIN>Example: NEWACC 4444

Stop ChequeSyntax: STPCHQ <MPIN> <CHEQUENUMBER>Example: STPCHQ 4444 123456

Cheque StatusSyntax: ENQCHQ <MPIN> <CHEQUENUMBER>Example: ENQCHQ 4444 123456

Block CardSyntax: BLKCARD <MPIN>Example: BLKCARD 4444

Pin code based ATM Search

Syntax: ATM <MPIN> <PINCODE>Example: ATM 4444 630001

Location based ATM Search

Syntax: ATMLOC <MPIN> <CITY> <AREA>Example: ATMLOC 4444 CHENNAI ADAYAR

Pin Code based Branch Search

Syntax: BRANPIN <MPIN> <PINCODE>Example: BRANPIN 4444 630001

Location based Branch Syntax: BRANLOC <MPIN> <CITY> <AREA>

SearchExample: BRANLOC 4444 CHENNAI ADAYAR

Invite a friend

Syntax: REFER <MPIN> <FRIENDNAME> <FRIENDMOBILE> <FRIENDEMAIL>Example: REFER 4444 RAMJI 9876598765 RAMJI@FSS.CO.IN

IMPS Syntax:IMPS <Beneficiary mobile no> <Beneficiary MMID> <MPIN>Example: IMPS 9876543210 1245214 2124

What are the eligibility criteria for availing the FSS mPAY Mobile Banking service?

Following are the eligibility criteria for availing the FSS mPAY Mobile Banking service:

You must have a prepaid/postpaid mobile phone connection.

You must have a Savings/Current/Fixed Deposit Account with a bank that is subscribing to FSS mPAY for its mobile banking services.

Which mobile phone or operator do I need to subscribe to? Any mobile operator, who is providing the following Mobile Communication Channels:

Encrypted SMS

Command based SMS       Telecom Operators, who are supporting the following technologies, can support FSS mPAY:

The exact an

swer is to become partner of a safe, secure, convenient, a

nd affordable banking service. FSS mPAY provides you

reliable and transparent Mobile Banking services round t

he clock (24X7).Do I need to do any configuration in my mobil

e for using FSS mPAY service after downloading the appli

cation? 

Not required; all mobile service providers are su

pporting FSS mPAY service.Do I need to register with a sp

ecific service provider to avail FSS mPAY service?

Cur

rently, FSS mPAY supports ONLY debit card transactions. F

or Mobile banking service, can I use debit cards, credits c

ards, etc, for making transactions? 

You can, provided,

if you have national roaming facility from your Cellular Se

rvice Provider.Can I avail FSS mPAY service even when I a

m out of station (outside my city mobile registration circle

)?

What transactions can I currently carry out from my cell phone using the FSS mPAY mobile banking service?

Currently, FSS mPAY provides the following transaction services: Account Balance Enquiry Mini statement, to check the last 9 transactions of your primary account Internal fund transfer, from one account to another, within the BankExternal fund transfer to accounts of other banks using NEFT scheme of RBIStop Payment order placement on an issued Check New Check book request Account Balance Statement requestCheck Status Enquiry Bill Presentation Mobile Top upAirline Ticket BookingTemple DonationInstitution Fees PaymentMovie Ticket Booking

ATM & Branch Locator service

No. FSS mPAY UI appearanc

e, however, might change from handset to handset depen

ding on the visual interface of the handset. However, the

functionality of the application remains the same for all ha

ndset s. Does FSS mPAY mobile application user interface

(UI) appear similar on all phones?

How can I find exactly w

hat type of mobile handset I have?  

FSS mPAY provides various handset pictures during registration process to assist you with the mobile handset identification process. However, if you are still unsure, access the 'Settings' feature of your mobile handset and look for the details. Ex:

1. Nokia - *#0000#2. Nokia E63 – Menu → Help → About3. Windows – Start → Settings->System → About4. Samsung - Main Menu → Settings → Display Settings-> Greeting

Message

5. Sony Ericson - Main Menu → Settings → General → Phone status

FSS mP

AY application provides a separate Inbox to you the mome

nt you are registered with it. All incoming messages of FSS

mPAY service from bank are stored in this Inbox. Mobil

e transaction response messages are not stored in your ha

ndset Inbox for security reasons. Where response messa

ges are stored in mobile?

Yes. Click here to access FSS mP

AY mobile banking Demo.Is demo available on FSS mPAY Mob

ile banking?

Yes. FSS mPAY supports GPRS. (GPRS stands

for General Packet Radio Service. It is an enhancement t

o the GSM mobile communication system, which allows Inte

rnet browsing and data services on a mobile phone.) After y

ou complete the registration and activation process, go to

Mobile application Main menu -> My setup -> Communication M

ode -> choose GPRS. You will get a message that mobile bank

ing has been enabled over GPRS. Does FSS mPAY supports G

PRS?

You can get your GPRS settings from your mobile ope

rator. All you need to do is to call your mobile operator call c

enter and let them know that you want to subscribe to GP

RS connection. Otherwise, you can also send SMS to your s

ervice provider asking for the same.Example: BSNL – Se

nd SMS <model_name> <space> <model_number> to 58355.

For example: Nokia e63 to 58355IDEA - Send SMS SET to 546

71How do I get GPRS Settings?

Supporting Handsets

Manually Setting up GPRS Connection on Windows Mobile

- Manual GPRS Setting ListBack to Top 

1. Tap Start -> Settings -> Connections tab -> Connections2. Under My ISP/My Work Network, tap Add a new modem connection.3. Enter a Name for the connection (Ex: My GPRS Connection).4. Select a Modem from the provided options (Ex: select Cellular Line (GPRS)) and then tap Next.5. Enter the Phone Number or Access Point Name provided by your wireless service provider, and then tap Next.6. Enter your User Name and Password, and then tap Finish.

1. Account Name – Hutch_GPRS2. User Name – Blank3. Pa

ssword – Blank4. Proxy – Enabled/yes5. Access Point Na

me – portalnmms6. Full Internet Access Point Name – www

7

. Proxy and Server address – 10.10.1.1008. Proxy and Se

rver Port – 80809. Homepage – http://hutchworld.co.in10. A

uthentication Type – NormalManual Settings for Hutch GPR

S

1. Homepage – any page you want to set.2. User Name – Bla

nk3. Password – Blank4. Proxy – Enabled/yes.5. Proxy a

nd Server Address – 202.56.231.1176. Proxy and Server

Port – 80807. Data bearer – GPRS or Packet Data8. Access P

oint Name – airtelgprs.com

9. Authentication Type – Norm

al10. Use preferred access point – NoManual Settings fo

r Airtel GPRS

1. Account Name – Airtel_live2. Homepage – h

ttp://live.airtelworld.com

3. Username – Blank4. Passwo

rd – Blank5. Proxy – Enabled/yes6. Proxy and Server Add

ress – 100.1.200.997. Access Point Name – airtelfun.com

8. Proxy and Server Port – 80809. Data bearer – GPRS/ Pac

ket Data10. Authentication Type – NormalManual Settings

for Airtel live

1. Account Name – idea_GPRS2. Username –

Blank3. Password – Blank4. Homepage – http://wap.ideafr

esh.com

5. Proxy and Server Port – 80806. Proxy and Serv

er address – 10.4.42.457. Databearer – GPRS / Packetda

ta8. Access Point Name – imis9. Proxy – Enabled/yes10.

Authentication Type – NormalManual Settings for IDEA GP

RS

1. Account Name – BPL WAP2. Username – <Blank>3. Pas

sword – <Blank>4. Proxy – Enabled/yes5. Homepage – http

://wap.mizone.bplmobile.com

6. Proxy and Server addr

ess – 10.0.0.107. Proxy and Server Port – 80808. Access P

oint Name – mizone9. Data bearer – GPRS/ Packetdata10.

Authentication Type – NormalManual Settings for BSNL GPR

S

1. Name: Aircel Online2. Homepage: http://google.com

3. User Name: Blank4. Password: Blank5. Use preferred

Access Point: aircelgprs or aircelwap6. Open Access Poin

t Setting7. Proxy: Enabled8. Proxy address: 192.168.0

35.2019. Port: 808110. Data Bearer: Packet DataManual S

ettings for Aircel GPRS

Please contact your mobile opera

tor for GPRS usage charges information. What are the app

licable charges for using GPRS service?

Your mobile ope

rator can give you exact information regarding the GPRS

service activation. How quickly can I get my GPRS servic

e activated?

After completing the registration process, y

ou will get successful registration SMS with FSS mPAY appli

cation download link, password, and mPIN details. Tap th

e link to download the application on your mobile.How do I d

ownload FSS mPAY mobile application over GPRS?

After com

pleting the registration process, you will get successful

registration SMS with FSS mPAY application download link, p

assword, and mPIN details. Tap the link to download the a

pplication on your mobile.How do I download FSS mPAY mob

ile application over GPRS? 

Supporting Operators Bac

Which handset types are supported by FSS mPAY?

k to Top  FSS mPAY supports the following Handset types:

JAVA Windows

BlackberryAll the leading and non-leading mobile handsets brands adhering to above handsets types which includes Nokia, Sony Ericssion, Motorola, Blackberry, HTC, Samsung, LG, etc, are supported by FSS mPAY application. 

All MIDP 2.0 mobiles a

re JAVA enabled. You can check this by verifying the use

r manual of the mobile.How do I know whether my mobile de

vice is Java enabled?

Yes. It supports models having Win

dows 6.1 and above professional version handsets. Doe

s FSS mPAY support devices having Windows Operating Sys

tem?

Yes, Blackberry handsets are enabled to use FSS m

PAY mobile banking application.Can I use my Blackberry t

o access Mobile Banking?

Click here to view the updated

Samsung handset models that support FSS mPAY service.

Which Samsung handset models support FSS mPAY service

? 

Yes, FSS mPAY works on CDMA mobile.Does FSS mPAY wo

rk on CDMA mobile?

No. FSS mPAY mobile application requir

es MIDP2.0 and a minimum of 1MB heap memory space, whi

ch MOTTO-Q does not provide. Does FSS mPAY support Mot

orola MOTTO-Q handset model?  

Registration Proce

How do I register for FSS mPAY service?

ssBack to Top 

You can visit your, nearest, bank's ATM and choose to register for the FSS mPAY service.

At ATM → Swipe your Debit card →

choose Services → enter your ATM PIN → select Other

s → Mobile Banking → Registration → enter your mobile num

ber → confirm the same. You receive an SMS on your mobile

regarding the activation of your account.ATM Registratio

n Process:

Visit your, nearest, bank or its branch; ask for

the FSS mPAY mobile banking registration form, fill it, and s

ubmit.Alternate Procedure for Registration:

If you regi

ster through ATM, you can access the FSS mPAY mobile ban

king services instantly. Form-based (branch based) Mo

bile Banking registration is completed within a stipulated

timeframe (as decided by the bank) from the date of subm

ission of your application form.How much time will it take f

or completing the registration process? 

Application

How do I download the FSS mPAY application?

DownloadBack to Top 

You can download the FSS mPAY application from http://mobile.fssnet.co.in/MPAYPORTAL portal site.

If you have GPRS facility in your mobile, please refer the below “GPRS Process” for mobile application download.

GPRS Process/How do I download the FSS mPAY application from http://mobile.fssnet.co.in/MPAYPORTAL?The pre-requisites for using FSS mPAY services are as follows:

Visit http://mobile.fssnet.co.in/MPAYPORTAL Select the Mobile Application download menu. Select the model from the "Model" list and click "Download". The application will get downloaded on your PC/laptop. Save it on your machine. Transfer the application to your phone using an IR/Bluetooth/USB cable. After the application is transferred to your mobile, follow the given steps below:

For the message ‘Application Mobile Banking, Continue? ‘. Choose ‘Yes’ and continue. This will start downloading the Mobile banking application.For the message “Save in: Application / Games”, select ‘Applications’ and click ‘OK’. This will install the application automatically and the respective Mobile Banking application icon appears in the ‘Applications’ menu of your mobile.

The preceding steps are only for reference. They may vary depending on your handset.

Mos

t of the HTC mobile phones are windows based. The mobile b

anking application can be downloaded on such mobiles over

GPRS or by accessing mobile banking web portal URL. For do

wnloading the application, click on the link received thro

ugh SMS that has been sent for registration. Else, enter t

he URL – http://mobile.fssnet.co.in/MPAYPORTAL in your PC

browser and download the application.I have a HTC mobile p

hone. How can I download the FSS mPAY mobile banking se

rvice?

No. Downloading FSS mPAY application does not attr

act any charges. Do I need to pay any charges for downloadi

ng the mPAY application?

Select ‘Yes’ for this option. Th

is option is specific to the mobile handset and does not aff

ect the application or mobile phone.While downloading, I a

m getting a message saying "Un-trusted Application". Wha

t should I do?

"Application installed successfully" succ

ess message is displayed in the mobile after installation g

ets completed successfully. You can also verify the same

by checking the mobile phone memory location for mPAY ic

on given during installation. How do I check whether the a

pplication has installed in the mobile successfully?

Once

installed, the Mobile Banking application is typically fou

nd in the applications or games/applications section on you

r mobile device. The location of the application varies base

d on the handset model.

Ex:In Nokia N70 and N72 series, th

e application can be found in ‘My Own’ menu.In Nokia E-seri

es, the application can be found inside ‘Installation’ men

u.Where can I find the Mobile banking application on my mobil

e device?

Only 200 KB of free memory space is required t

o install FSS mPAY mobile banking application.How much m

emory space is required to install the FSS mPAY mobile ban

king application?

You can activate the FSS mPAY mobile ba

nking services by logging into the application using the

application password and default mPIN. If you are using th

e mobile application for the first time, it is mandatory for yo

u to change the default mPIN. After changing the default mP

IN, you receive the confirmation message on your mobile th

at your FSS mPAY mobile banking services got activated.

How do I activate the FSS mPAY service?  

Installatio

How can I download Nokia Application

n & Activation ProcedureBack to Top 

on my mobile?

Create a connection between PC to Mobile Open Nokia PC suite software. Press Get Connected.

Select the connection type (Cable Connection).

Now your phone will be connected to the PC.

Install mobile application from PC to MobileClick install application iconOpen the folder where you saved the application in your pc. Move the jar file from my computer to my phone. Now the installation automatically starts in your phone. After installation is completed phone will be display the following message that Installation successfully completed.

Now you can open the application.

How do I Install Samsung Application in my mob

ile?

Download the .jar or the .jad file in the "others" folder of "phone memory". Give the input code *#9998*4678255# in dial mode; you will receive an "activated" message.Select the needed .jar/.jad application file.

Wait for a few seconds; the handset will ask to install the .jar/.jad application file

1.Alternate Procedure

Download the TkFileExplorer_2.2.exe". Connect the phone to PC using data cableFirst time it should be prompted with a 'device installed and ready' messageExecute the downloaded TkFileExplorer_2.2.exe Go to Settings - COM Menu.From that COM Menu , select Port submenu option, if option is not available, give the Port name manually like COM1, COM2 etc. (try all COM from 1 to 12)Go to File - Connect menu.You will get the File System Tree at TkFileExplorerGo to /Exe/Java/Games optionCreate a New Folder for your applicationAt TkFileExplorer PC upper side select your JAD/JAR files and copy to Phone in the created folder using drag & drop or right button menu Download option. Disconnect the USB cable. Dial this no *#6984125*# Go to Internals (Master Key: *#9072641*#) Go to Storage Settings and select Update Java DB

Now your application is activated and ready for use

"Application installed successfully" success message is

displayed in the mobile after installation gets completed

successfully. You can also verify the same by checking th

e mobile phone memory location for mPAY icon given during

installation. How do I check whether the application has i

nstalled in the mobile successfully?  

Once installed, th

e Mobile Banking application is typically found in the appli

cations or games/applications section on your mobile devic

e. The location of the application varies based on the hands

et model.

Ex : In Nokia N70 and N72 series, the application

can be found in 'My Own' menu.In Nokia E-series, the appli

cation can be found inside 'Installation' menu.Where can I

find the Mobile banking application on my mobile device?  

O

nly 200 KB of free memory space is required to install FSS

mPAY mobile banking application.How much memory space

is required to install the FSS mPAY mobile banking applica

tion?  

You can activate the FSS mPAY mobile banking serv

ices by logging into the application using the application

password and default mPIN. If you are using the mobile app

lication for the first time, it is mandatory for you to change

the default mPIN. After changing the default mPIN, you rec

eive the confirmation message on your mobile that your FSS

mPAY mobile banking services got activated.How do I ac

tivate the FSS mPAY service?

 

SecurityBack to To

Is FSS mPAY mobile banking safe?

p 

Yes. FSS mPAY mobile banking is safe and secure. It is protected with state-of-the-art security technology.   FSS mPAY mobile banking requires a 4-digit mPIN to access your account information and all the mobile banking data saved on your mobile device is encrypted.  This ensures that even if the mobile device is lost or stolen, the data stored locally for the mobile banking application is unreadable.

Performing transactions through FSS mPAY

is the safest way of performing financial transactions si

nce you do not have to fear of losing your debit card or com

promise with your debit card pin details. Further, the transa

ctions done in FSS mPAY are encrypted for impregnable s

ecurity standards. How secured is FSS mPAY services o

n mobile? 

If you lose your mobile phone, you should infor

m your nearest banking branch about the same. They dis

able your Mobile Banking facility, immediately, to avoid

any further unforeseen financial damage. What if I lose my

‘FSS mPAY’ application loaded mobile phone? Whom do I rep

ort immediately?

mPIN is a highly secret four-digit nu

mber given by the bank to its respective customers, who ha

ve registered for mPAY service. Being a FSS mPAY cust

omer, you must use mPIN for performing any mPAY transac

tion on your mobile. What is mPIN?

Yes. You can change you

r mPIN, any time. Go to your mobile application Main Menu -> C

hoose Change mPIN -> Enter old mPIN -> Enter new mPIN ->

Confirm new mPIN -> Submit. However, while using the FSS m

PAY application for the first time, it is mandatory for you t

o change the default mPIN and set your own mPIN.Can I cha

nge my mPIN?

Yes, it is mandatory. You cannot use FSS mPA

Y services without first changing the default mPIN to on

e of your choice.Is it necessary to change the default mPIN

that is advised by FSS mPAY through SMS?

Not until and

unless you reveal your four-digit mPIN (supposed to be

kept secret) to anyone; the four-digit mPIN required to l

og in to the mobile application ensures that only an authori

zed Bank customer access the mobile application. For secu

rity reasons, please do not share your mPIN with anyone.

Note: While logging in to the mobile application, if you ente

r your mPIN incorrectly for three consecutive times, the

n, by default, the application gets locked automatically.C

an anyone else use my mPAY service? 

1) Visit http://mobil

e.fssnet.co.in/MPAYPORTAL2) Log in to the application with

your Mobile Number and mPIN.3) After successful login, s

elect Forgot mPIN from Tools menu.4) Enter the valid m

obile number, and click OK for getting the new mPIN.5) The

application confirms the entered details and sends you an S

MS to your mobile with default mPIN.Note: Change the defau

lt mPIN immediately with the help of Change mPIN option.

I have forgotten my MPIN. What do I do?

After the third cons

ecutive invalid PIN entry, the mobile banking application w

ill be locked automatically. You can contact your bank aut

horities to reset your mPIN.How many incorrect login att

empts result in the Mobile Banking application locking up?

You might have tried to log in to your mobile application wit

h invalid mPIN for three consecutive times. These invalid

actions lead to the lockdown of the FSS mPAY application f

or security reasons. To unlock the application, please co

ntact your nearest branch authorities.I got a message tha

t my account has been locked. What should I do?

What pre

cautions do I need to take while accessing the Mobile Banki

ng application?

Please follow the below precautions to enjoy a safe and secured mobile banking transaction experience:

1. Please memorize your application Password and mPIN2. Delete the SMS that contains the password details in your mobile. 3. After receiving the SMS with application Password and default mPIN, immediately log on to the Mobile Banking application and change your default mPIN. 4. Do not ever disclose your application Password and mPIN to anyone. 5. Change your mPIN at regular intervals for further security.

Switch on the phone and login

again in to the application. Since mPAY works on SMS, you

will be receiving acknowledgment SMS once you switch on y

our mobile. This is not the complete answer!!What happe

ns if my phone gets switched off during a transaction?

You ca

n simply download the mobile banking application again an

d use the existing login credentials to continue the mobile

banking transactions.What if I delete the mobile banking a

pplication, by accident? 

Transaction Sets & Other

Can I view the transactions relating to my account?

FeaturesBack to Top 

Yes, Mini statement allows you to view a summary of your last nine transactions.

The checkbook will be deli

vered to the address registered with the Bank. If you do n

ot get the checkbook within a timeframe, please contact y

our branch. For any reason, if your request is rejected,

kindly check up with your bank branch and ensure that you

r account is opened with checkbook facility.How will I get

my checkbook if I send the request through mobile banking

application?

How can I issue a stop payment order on an

issued check?

Go to mobile application Main Menu-> My Services-> Other Services-> Stop Check. Enter Check Number and tap OK for confirmation.

After entering and submitting the valid details, immediately, you will receive a confirmation message for stop payment on the target check.

No. There is no charge for using ch

eck stop payment facility. Is there a charge for using che

ck stop payment facility?

How do I know my Check statu

s?

Go to mobile application Main menu-> My Services-> Other Services-> Check Status. Enter Check Number and tap OK for confirmation.

After entering and submitting the valid details, immediately, you will receive the ‘Check Status’ message.

You need to visit your nearest Bank ATM and choo

se de-register option from FSS mPAY service. How do I

deregister the FSS mPAY service?

Using FSS mPAY mob

ile banking service, you can do the following three types

of transactions: a) Transfer funds to self-account(s) b) T

ransfer funds between same bank accounts (internal tran

sfer) c) Transfer funds to accounts in other banks (ext

ernal transfer)What kind of fund transfer can I do in FSS m

PAY mobile banking service?

Self-account(s) are your a

ccounts that have been enabled for Mobile Banking Servi

ce.What are self-account(s)?

Yes, you can. Please regi

ster the target accounts as ‘Payee’ under “Funds Trans

fer – Beneficiary Registration”. Then you can transfer fun

ds to the target accounts. How can I transfer funds betw

een same bank accounts (internal transfer)? Can I transfe

r funds to my own accounts linked to different branches?

The National Electronic Funds Transfer System (NEFT) i

s a system designed to transfer funds electronically fro

m your account with us to another account in other Banks

anywhere in the country. What is NEFT System?

Please co

ntact your bank for the re-credit issue.NEFT transaction

re-credited to same account next day. Why it has not happe

ned? 

The funds can only be transferred to pre-register

ed payees. This is a one-time exercise specifically desig

ned to increase the security of your mobile banking applic

ation.Why do I need to register the accounts for sending

money?

No, this service is brought to you by bank at fre

e of cost. Also, since you are using the text messaging se

rvice from your mobile phone, you do not incur any airtime

charges in making a phone call from your mobile phone. Ho

wever, the Cellular Service Provider will levy a charge fo

r the SMS facility.Does it cost anything?

‘Other Bank’ ac

count payee is an account that is maintained by another

bank. The funds are transferred to accounts linked with ot

her bank through NEFT and all the information asked for is

MANDATORY for such transfer of funds.What do you mean b

y Other Bank account payee? Why do I have to give so many d

etails for registering Other Bank payee?

This is to ensu

re that you do not have to enter the information every time

. You can choose the nickname from the list. Nicknames ar

e used to differentiate your accounts in Mobile Banking. N

ot only are Nicknames easier to remember - they are also

more secure.Why do I need to set up Nicknames?

IFS code

is an alphanumeric code – a unique identification number gi

ven by RBI to identify every bank branch. Follow the step

s below to search for the IFS code of a bank branch: What

is IFS code and how can I find IFS code of a bank branch?

1

) Visit http://mobile.fssnet.co.in/MPAYPORTAL2) Login th

e Application with your Mobile Number and mPIN.3) After suc

cessful login, select IFSC Search from Tools menu.

4) Select the Institution, Region Name and tap the Searc

h button for getting the IFSC details.

Change Applicatio

n Password: Whenever user initiates first transaction afte

r deregistering and registering again, application would

prompt the user to change the default application passwor

d. User can select or change their password using this op

tion.Change Login Password: During the course of applica

tion usage, user can change their existing password and ca

n select new password using this option. What is differe

nce between ‘Change Application Password’ and ‘Change L

ogin Password’?  

Troubleshooting & Technical Su

I have changed my mobile number. Can I continue to use the same handset for mobile banking services?

pportBack to Top 

Yes, you can. Follow the steps below to register your new mobile number with FSS mPAY application:1) Visit http://mobile.fssnet.co.in/MPAYPORTAL2) Login the application with your Mobile Number and mPIN.3) After successful login, select Change Mobile Number from the Tools menu.4) Enter the Old Mobile Number, New Mobile Number and Confirm the same.5) After entered the valid details, tap the Update button for confirmation.6) You will receive a confirmation and after that use the services only with the New Mobile Number

Yes. You must downlo

ad the mobile banking application on to your new handset. H

owever, you can use the same Mobile Number and mPIN. The ne

w application does not have any of the data that you had en

tered like registered payee, self-accounts, etc. Since

these details are saved in your old handset, you must add t

hese details again to your new mobile handset to do transa

ctions with those accounts. What if I change my mobile hands

et? Does it impact my mobile banking transactions?

You mus

t not panic. FSS mPAY is a fully secured mobile banking ap

plication. Whoever lays their hands on your mobile, they si

mply cannot access your mobile banking details without kn

owing your mobile application Password as well as your mPin

(FSS mPAY does not store these details on your mobile han

dset. So, there is no chance of knowing these details.). Wit

hout knowing both the passwords, no one can use your mob

ile application. However, you must immediately visit your n

earest bank ATM, de-register your mobile number from F

SS mPAY service, and intimate the bank regarding the sa

me issue.What if I lose my mobile handset? Can anybody tak

e advantage of my financial data stored on my lost handse

t? What I am supposed to do under those circumstances?

The application requires a free memory space of 200 KB. Ple

ase ensure that free memory is available in your handset

before you download the application.I am not getting a res

ponse when I tap on the application icon on my handset. What

should I do?

Currently, the service is available only in

English. In future, FSS mPAY will support multiple langua

ges.Is this service available in other languages also?

You can log out of the application by tapping on the Exit opti

on.How do I log out of the application?

When you complet

e a transaction from your mobile handset (funds transfer, b

alance enquiry, etc) and Text Messaging is activated, yo

u will receive a text message as confirmation that the trans

action was successful. If you do not receive this message

due to a dropped call or lost signal, check your accounts a

nd resubmit any transactions that did not process.What ha

ppens if I lose communication/signal during a transaction?

Switch off the mobile and switch it on. Login to the applicati

on using your User ID. And what happens to the transaction

What happens if my phone gets hung up when I am in the midd

le of a transaction?

Yes, it depends on the handset model. N

okia handsets show alert messages like Yes/No inside th

e screen. However, I am not seeing the same alert message

s in other mobile handsets. Why?