Click to Pay-Loans Payments (Using Debit Card) FAQs
How do I make a payment through “Click To Pay – Debit Card”?
You can make an online payment through your Debit Card in the following 4 simple steps:
- Browse the ICICI Bank website and click on the “Click To Pay – Debit Card” link.
- Select your card type, i.e. ICICI Bank Debit Card or non-ICICI Bank Debit Card (VISA) etc.
- Type your loan number and validate.
- Validate your Debit Card on Payment Gateway and make your overdue payments instantly.
What if I make an not-error while entering my loan number and make a payment to somebody else’s loan number?
There are certain checks available to avoid payment against wrong loan numbers. These checks are as follows:
- The loan number needs to be 16-digit alphanumeric character in nature.
- The loan number needs to be entered twice.
- Once the loan number is entered, the amount of EMI and/or PEMI along with your EMI/PEMI cycle day will be displayed and one can validate through it.
Even if you have made a payment to a wrong loan number, you need to call our 24-hour Customer Care and register a complaint. You will be guided accordingly.
What if I made an excess payment in two different transactions for the same loan number?
The excess payment will be available in your credit balance and the refund for it can be obtained through any of our Retail Asset branches by making a written application or you may call our 24-hour Customer Care and register a complaint.
How will I know that the payment is made successfully?
Post every successful transaction, you will get a success message along with a valid transaction ID. However, sometimes the transaction is successful but a transaction number cannot be displayed due to power cuts, connection failures, etc. In such cases, you are advised to check your bank account credit balance to know whether the transaction has happened. You should report about it to ICICI Bank if your loan number is not credited within 3 working days from the date of the actual transaction.
How are payments processed?
Your payments are processed immediately after you have authorised the transaction from your Debit Card. If your payment is successful, you will be informed that your payment has been accepted and a payment transaction number will be displayed with a successful transaction note.
If your payment is unsuccessful, you will be informed that your transaction was unsuccessful.
What if the payment is not credited even after three days?
Please contact our 24-hour Customer Care and register a complaint after providing all the transaction details.
How can I prove that I have made a payment?
You can track your payments from your bank statement if you need to provide proof of payment. Your bank statement will show the charge to your account from the billing vendor, with a transaction number similar to the “Click To Pay – Debit Card” transaction number.
In addition to the above, you will get a valid transaction number post your successful transaction. This can be used to track and resolve your queries and disputes.
Is the exact overdue amount shown on the screen in real time?
No. The data gets refreshed every week and uploaded once a month. Therefore the overdue amount shown as of the last week. To know your exact overdue amount, you are advised to call our 24-hour Customer Care.