Click to Pay-Loans Payments (Using Debit Card) FAQs

What is “Click To Pay – Debit Card” service?

“Click To Pay – Debit Card” is an extremely simple and secure way of making your overdue ICICI Bank loan payments online through your bank's Debit Card.

What are the benefits of “Click To Pay – Debit Card”?

Your overdue payments are made quickly and conveniently. You no longer have to write cheques, visit a branch and wait in a queue for your turn, to make payments.

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:

  1. Browse the ICICI Bank website and click on the “Click To Pay – Debit Card” link.
  2. Select your card type, i.e. ICICI Bank Debit Card or non-ICICI Bank Debit Card (VISA) etc.
  3. Type your loan number and validate.
  4. Validate your Debit Card on Payment Gateway and make your overdue payments instantly.

Do I need to register with ICICI Bank for “Click To Pay – Debit Card” to make payments?


Is “Click To Pay – Debit Card” secure?

Yes, it is secure through 128 bits SSL.

Is there any charge for using “Click To Pay – Debit Card?


Can I make a payment towards someone else’s overdue loan?

Yes, you can make a payment of an overdue loan on behalf of your family members and friends from your Debit Card.

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:

  1. The loan number needs to be 16-digit alphanumeric character in nature.
  2. The loan number needs to be entered twice.
  3. 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.

Will I receive any physical bill for loan payments made through “Click To Pay – Debit Card” service?

You will get a transaction number online on the screen, upon the successful completion of your transaction. You may write it down on a paper or take its printout.

Do I need to take permission from my bank for making a payment through “Click To Pay – Debit Card”?

No, you need not take permission if you have a valid card type, which is accepted by us i.e. (VISA).

Can I make a payment more than the overdue amount as shown in the statement?

No. You can make a payment less than or equal to the overdue amount displayed on the screen.

Can I make payments against foreclosures and advance Equated Monthly Installment/Pre Equated Monthly Installment?

No. You can make payments only against Equated Monthly Installment and Pre Equated Monthly Installment which are overdue.

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.

Can I make my overdue payments through “Click To Pay – Debit Card” if my asset is surrendered or repossessed?

No. In that case you are advised to visit any ICICI Bank, RAPG – Asset branch to make payments.

Who can make a payment using “Click To Pay – Debit Card” service?

Only ICICI Bank loan customers who have missed their regular EMI/PEMI and their asset is neither surrendered by them nor repossessed by ICICI Bank due to any reason, can make a payment using the “Click To Pay – Debit Card” service.

Is there any limit on the size of a payment I can make?

Yes, it should be less than or equal to the EMI/PEMI arrears displayed on the transaction screen.

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.

When can I check my ICICI Bank loan statement to know my payment status?

After 3 working days.

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.

How can I access the information that I have made the payments?

Any payments made will be reflected in your loan account statement within 3 working days.

Can I make a payment when I am outside India?

You can make payments from anywhere in the world, provided you have an Indian (domestic) Debit Card.

Can I make a payment against overdue and bounce charges?

No. Presently you are advised to visit any RAPG-Asset branch and make the payment.

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.