FSS Mobile Banking
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Mobile Pay
FAQ - Frequently Asked Questions
 
Introduction
General
Supporting Handsets & Operators
Registration Process
Application Download
Installation & Activation Procedure
Security
Transaction Sets & Other Features
Troubleshooting & Technical Support
 
FAQ Introduction Back to Top
 
This document contains frequently asked questions on FSS mobile banking product raised by the users.
 
FAQ General Back to Top
 
FAQ What is mPAY?
Mobile Banking Application (FSS mPAY) is a service that facilitates you to do banking transactions through your mobile phone. mPAY services can be initiated in SMS, GPRS or WAP mode through your mobile.
FAQ How does FSS mPAY work? 
FSS mPAY works on the 'Text Messaging transmission' also called the SMS. It can be mPAY Application menu selection or customer entering SMS Tag based transactions.

After registering the respective mobile number with FSS mPAY, the subscriber can initiate transactions using registered mobile by enabling GPRS and accessing FSS Mpay website or through sending SMS. SMS message travels from your mobile phone to SMS Center of the Mobile Operator. Mobile Operator passes the transaction to the Mobile Service Provider. Service provider routes the transaction to the Mobile Banking services. Here, the transaction is processed and the result is sent to your mobile phone via the same route.

GPRS transactions from your mobile pass through Internet Gateway to Mobile Banking Services directly.
SMS Tag based transactions are clear text messages that use transaction set code and other necessary details. Subscriber, simply, has to enter the respective Transaction Code along with other required details and send a defined number to mobile banking services as a normal SMS from his/her mobile, just like other SMS messages.
FAQ Why should I subscribe to FSS mPAY service?
The first and the foremost benefit is that being an FSS mPAY subscriber, using your registered mobile phone, you can conduct banking transactions 24 X 7 (Anywhere Anytime Banking) at your own leisure pace. The other benefits are as follows:
FAQ What are all the charges do I need to pay to access FSS mPAY service?
The exact answer is to become partner of a safe, secure, convenient, and affordable banking service. FSS mPAY provides you reliable and transparent Mobile Banking services round the clock (24X7).
FAQ What are the prerequisites do I need fulfil before 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 Activation Syntax: ACTV <Application password>
Example: ACTV 1234
MPin Change Syntax: CHANGEPIN <OLDPIN> <NEWPIN> <CONFIRM-NEWPIN>
Example: CHANGEPIN 5555 4444 4444
Balance Enquiry Syntax: BAL <MPIN>
Example: BAL 4444
Mini Statement Syntax: 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 Confirmation Syntax: CONFNEFT <MPIN> <TXNID>
Example: CONFNEFT 4444 789456123012
Mobile Recharge Syntax: MOBREC <MPIN> <MOBILENUMBER> <AMOUNT>
Example: MOBREC 4444 9876543210 100
Cheque book request Syntax: CHEQUE <MPIN>
Example: CHEQUE 4444
Account statement Syntax: STMT <MPIN> <STARTDATE> <ENDDATE>
Example: STMT 4444 01/02/2010 10/02/2010
Loan request Syntax: LOAN <MPIN>
Example: LOAN 4444
Credit card request Syntax: CREDIT <MPIN>
Example: CREDIT 4444
New Account request Syntax: NEWACC <MPIN>
Example: NEWACC 4444
Stop Cheque Syntax: STPCHQ <MPIN> <CHEQUENUMBER>
Example: STPCHQ 4444 123456
Cheque Status Syntax: ENQCHQ <MPIN> <CHEQUENUMBER>
Example: ENQCHQ 4444 123456
Block Card Syntax: 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 Search Syntax: BRANLOC <MPIN> <CITY> <AREA>
Example: BRANLOC 4444 CHENNAI ADAYAR
Invite a friend Syntax: REFER <MPIN> <FRIENDNAME> <FRIENDMOBILE> <FRIENDEMAIL>
Example: REFER 4444 RAMJI 9876598765 ABC@DOMAIN
IMPS Syntax:IMPS <Beneficiary mobile no> <Beneficiary MMID> <MPIN>
Example: IMPS 9876543210 1245214 2124
FAQ 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.
FAQ Which mobile phone or operator do I need to subscribe to? 
Any mobile operator, who is providing the following Mobile Communication Channels:
  • GPRS / Data
  • Encrypted SMS
  • USSD
  • WAP
  • Command based SMS
       Telecom Operators, who are supporting the following technologies, can support FSS mPAY:
  • GSM
  • CDMA
  • 3G
FAQ Do I need to do any configuration in my mobile for using FSS mPAY service after downloading the application? 
The exact answer is to become partner of a safe, secure, convenient, and affordable banking service. FSS mPAY provides you reliable and transparent Mobile Banking services round the clock (24X7).
FAQ Do I need to register with a specific service provider to avail FSS mPAY service?
Not required; all mobile service providers are supporting FSS mPAY service.
FAQ For Mobile banking service, can I use debit cards, credits cards, etc, for making transactions? 
Currently, FSS mPAY supports ONLY debit card transactions.
FAQ Can I avail FSS mPAY service even when I am out of station (outside my city mobile registration circle)?
You can, provided, if you have national roaming facility from your Cellular Service Provider.
FAQ 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 Bank
  • External fund transfer to accounts of other banks using NEFT scheme of RBI
  • Stop Payment order placement on an issued Check
  • New Check book request
  • Account Balance Statement request
  • Check Status Enquiry
  • Bill Presentation
  • Mobile Top up
  • Airline Ticket Booking
  • Temple Donation
  • Institution Fees Payment
  • Movie Ticket Booking
  • ATM & Branch Locator service
FAQ Does FSS mPAY mobile application user interface (UI) appear similar on all phones?
No. FSS mPAY UI appearance, however, might change from handset to handset depending on the visual interface of the handset. However, the functionality of the application remains the same for all handset s.
FAQ How can I find exactly what 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 → About
  3. Windows – Start → Settings->System → About
  4. Samsung - Main Menu → Settings → Display Settings-> Greeting Message
  5. Sony Ericson - Main Menu → Settings → General → Phone status
FAQ Where response messages are stored in mobile?  
FSS mPAY application provides a separate Inbox to you the moment you are registered with it. All incoming messages of FSS mPAY service from bank are stored in this Inbox. Mobile transaction response messages are not stored in your handset Inbox for security reasons.
FAQ Is demo available on FSS mPAY Mobile banking?
Yes. Click here to access FSS mPAY mobile banking Demo.
FAQ Does FSS mPAY supports GPRS?  
Yes. FSS mPAY supports GPRS. (GPRS stands for General Packet Radio Service. It is an enhancement to the GSM mobile communication system, which allows Internet browsing and data services on a mobile phone.) After you complete the registration and activation process, go to Mobile application Main menu -> My setup -> Communication Mode -> choose GPRS. You will get a message that mobile banking has been enabled over GPRS.
FAQ How do I get GPRS Settings?
You can get your GPRS settings from your mobile operator. All you need to do is to call your mobile operator call center and let them know that you want to subscribe to GPRS connection. Otherwise, you can also send SMS to your service provider asking for the same.
Example:
BSNL – Send SMS <model_name> <space> <model_number> to 58355. For example: Nokia e63 to 58355
IDEA - Send SMS SET to 54671
FAQ Supporting Handsets - Manual GPRS Setting List Back to Top
 
FAQ Manually Setting up GPRS Connection on Windows Mobile
1. Tap Start -> Settings -> Connections tab -> Connections
2. 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.
FAQ Manual Settings for Hutch GPRS
1. Account Name – Hutch_GPRS
2. User Name – Blank
3. Password – Blank
4. Proxy – Enabled/yes
5. Access Point Name – portalnmms
6. Full Internet Access Point Name – www
7. Proxy and Server address – 10.10.1.100
8. Proxy and Server Port – 8080
9. Homepage – http://hutchworld.co.in
10. Authentication Type – Normal
FAQ Manual Settings for Airtel GPRS
1. Homepage – any page you want to set.
2. User Name – Blank
3. Password – Blank
4. Proxy – Enabled/yes.
5. Proxy and Server Address – 202.56.231.117
6. Proxy and Server Port – 8080
7. Data bearer – GPRS or Packet Data
8. Access Point Name – airtelgprs.com
9. Authentication Type – Normal
10. Use preferred access point – No
FAQ Manual Settings for Airtel live
1. Account Name – Airtel_live
2. Homepage – http://live.airtelworld.com
3. Username – Blank
4. Password – Blank
5. Proxy – Enabled/yes
6. Proxy and Server Address – 100.1.200.99
7. Access Point Name – airtelfun.com
8. Proxy and Server Port – 8080
9. Data bearer – GPRS/ Packet Data
10. Authentication Type – Normal
FAQ Manual Settings for IDEA GPRS
1. Account Name – idea_GPRS
2. Username – Blank
3. Password – Blank
4. Homepage – http://wap.ideafresh.com
5. Proxy and Server Port – 8080
6. Proxy and Server address – 10.4.42.45
7. Databearer – GPRS / Packetdata
8. Access Point Name – imis
9. Proxy – Enabled/yes
10. Authentication Type – Normal
FAQ Manual Settings for BSNL GPRS
1. Account Name – BPL WAP
2. Username – <Blank>
3. Password – <Blank>
4. Proxy – Enabled/yes
5. Homepage – http://wap.mizone.bplmobile.com
6. Proxy and Server address – 10.0.0.10
7. Proxy and Server Port – 8080
8. Access Point Name – mizone
9. Data bearer – GPRS/ Packetdata
10. Authentication Type – Normal
FAQ Manual Settings for Aircel GPRS
1. Name: Aircel Online
2. Homepage: http://google.com
3. User Name: Blank
4. Password: Blank
5. Use preferred Access Point: aircelgprs or aircelwap
6. Open Access Point Setting
7. Proxy: Enabled
8. Proxy address: 192.168.035.201
9. Port: 8081
10. Data Bearer: Packet Data
FAQ What are the applicable charges for using GPRS service?
Please contact your mobile operator for GPRS usage charges information.
FAQ How quickly can I get my GPRS service activated?
Your mobile operator can give you exact information regarding the GPRS service activation.
FAQ How do I download FSS mPAY mobile application over GPRS?
After completing the registration process, you will get successful registration SMS with FSS mPAY application download link, password, and mPIN details. Tap the link to download the application on your mobile.
FAQ How do I download FSS mPAY mobile application over GPRS?
After completing the registration process, you will get successful registration SMS with FSS mPAY application download link, password, and mPIN details. Tap the link to download the application on your mobile.
 
FAQ Supporting Operators Back to Top
 
FAQ Which handset types are supported by FSS mPAY?
 
FSS mPAY supports the following Handset types:
  • JAVA
  • Windows
  • Blackberry
All 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.
 
FAQ How do I know whether my mobile device is Java enabled?  
All MIDP 2.0 mobiles are JAVA enabled. You can check this by verifying the user manual of the mobile.
FAQ Does FSS mPAY support devices having Windows Operating System?  
Yes. It supports models having Windows 6.1 and above professional version handsets.
FAQ Can I use my Blackberry to access Mobile Banking?
Yes, Blackberry handsets are enabled to use FSS mPAY mobile banking application.
FAQ Which Samsung handset models support FSS mPAY service? 
Click here to view the updated Samsung handset models that support FSS mPAY service.
FAQ Does FSS mPAY work on CDMA mobile?  
Yes, FSS mPAY works on CDMA mobile.
FAQ Does FSS mPAY support Motorola MOTTO-Q handset model? 
No. FSS mPAY mobile application requires MIDP2.0 and a minimum of 1MB heap memory space, which MOTTO-Q does not provide.
 
FAQ Registration Process Back to Top
 
FAQ How do I register for FSS mPAY service?  
You can visit your, nearest, bank's ATM and choose to register for the FSS mPAY service.
FAQ ATM Registration Process:
At ATM → Swipe your Debit card → choose Services → enter your ATM PIN → select Others → Mobile Banking → Registration → enter your mobile number → confirm the same. You receive an SMS on your mobile regarding the activation of your account.
FAQ Alternate Procedure for Registration:
Visit your, nearest, bank or its branch; ask for the FSS mPAY mobile banking registration form, fill it, and submit.
FAQ How much time will it take for completing the registration process?
If you register through ATM, you can access the FSS mPAY mobile banking services instantly. Form-based (branch based) Mobile Banking registration is completed within a stipulated timeframe (as decided by the bank) from the date of submission of your application form.
 
FAQ Application Download Back to Top
 
FAQ How do I download the FSS mPAY application?  
 
You can download the FSS mPAY application from http://mobile.fssnet.co.in/mpayweb portal site.
Alternate Procedure:
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/mpayweb? 
The pre-requisites for using FSS mPAY services are as follows:
  • Visit http://mobile.fssnet.co.in/mpayweb
  • 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:
    1. For the message ‘Application Mobile Banking, Continue? ‘. Choose ‘Yes’ and continue. This will start downloading the Mobile banking application.
    2. 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.

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

FAQ I have a HTC mobile phone. How can I download the FSS mPAY mobile banking service?
Most of the HTC mobile phones are windows based. The mobile banking application can be downloaded on such mobiles over GPRS or by accessing mobile banking web portal URL. For downloading the application, click on the link received through SMS that has been sent for registration. Else, enter the URL – http://mobile.fssnet.co.in/mpayweb in your PC browser and download the application.
FAQ Do I need to pay any charges for downloading the mPAY application?  
No. Downloading FSS mPAY application does not attract any charges.
FAQ While downloading, I am getting a message saying "Un-trusted Application". What should I do?
Select ‘Yes’ for this option. This option is specific to the mobile handset and does not affect the application or mobile phone.
FAQ How do I check whether the application has installed in the mobile successfully?
"Application installed successfully" success message is displayed in the mobile after installation gets completed successfully. You can also verify the same by checking the mobile phone memory location for mPAY icon given during installation.
FAQ Where can I find the Mobile banking application on my mobile device?
Once installed, the Mobile Banking application is typically found in the applications or games/applications section on your mobile device. The location of the application varies based on the handset model.
Ex:
In Nokia N70 and N72 series, the application can be found in ‘My Own’ menu.
In Nokia E-series, the application can be found inside ‘Installation’ menu.
FAQ How much memory space is required to install the FSS mPAY mobile banking application?
Only 200 KB of free memory space is required to install FSS mPAY mobile banking application.
FAQ How do I activate the FSS mPAY service?  
You can activate the FSS mPAY mobile banking services by logging into the application using the application password and default mPIN. If you are using the mobile application for the first time, it is mandatory for you to change the default mPIN. After changing the default mPIN, you receive the confirmation message on your mobile that your FSS mPAY mobile banking services got activated.
 
FAQ Installation & Activation Procedure Back to Top
 
FAQ How can I download Nokia Application on my mobile?
 
Create a connection between PC to Mobile
  • Open Nokia PC suite software.
  • Press Get Connected.
  • Press Next.
  • Select the connection type (Cable Connection).
  • Press Next.
  • Press OK.
Now your phone will be connected to the PC.
 
Install mobile application from PC to Mobile
  • Click install application icon
  • Open 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.
FAQ How do I Install Samsung Application in my mobile?
  • 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
FAQ Alternate Procedure
  1. Download the TkFileExplorer_2.2.exe".
  2. Connect the phone to PC using data cable
  3. First time it should be prompted with a 'device installed and ready' message
  4. Execute the downloaded TkFileExplorer_2.2.exe
  5. Go to Settings - COM Menu.
  6. 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)
  7. Go to File - Connect menu.
  8. You will get the File System Tree at TkFileExplorer
  9. Go to /Exe/Java/Games option
  10. Create a New Folder for your application
  11. At 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.
  12. Disconnect the USB cable.
  13. Dial this no *#6984125*#
  14. Go to Internals (Master Key: *#9072641*#)
  15. Go to Storage Settings and select Update Java DB
  16. Now your application is activated and ready for use
FAQ How do I check whether the application has installed in the mobile successfully?
"Application installed successfully" success message is displayed in the mobile after installation gets completed successfully. You can also verify the same by checking the mobile phone memory location for mPAY icon given during installation.
 
FAQ Where can I find the Mobile banking application on my mobile device?
Once installed, the Mobile Banking application is typically found in the applications or games/applications section on your mobile device. The location of the application varies based on the handset model.

Ex : In Nokia N70 and N72 series, the application can be found in 'My Own' menu.
In Nokia E-series, the application can be found inside 'Installation' menu.
 
FAQ How much memory space is required to install the FSS mPAY mobile banking application?
Only 200 KB of free memory space is required to install FSS mPAY mobile banking application.
 
FAQ How do I activate the FSS mPAY service?  
You can activate the FSS mPAY mobile banking services by logging into the application using the application password and default mPIN. If you are using the mobile application for the first time, it is mandatory for you to change the default mPIN. After changing the default mPIN, you receive the confirmation message on your mobile that your FSS mPAY mobile banking services got activated.
 
FAQ Security Back to Top
 
FAQ Is FSS mPAY mobile banking safe?
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.
FAQ How secured is FSS mPAY services on mobile? 
Performing transactions through FSS mPAY is the safest way of performing financial transactions since you do not have to fear of losing your debit card or compromise with your debit card pin details. Further, the transactions done in FSS mPAY are encrypted for impregnable security standards.
FAQ What if I lose my ‘FSS mPAY’ application loaded mobile phone? Whom do I report immediately?
If you lose your mobile phone, you should inform your nearest banking branch about the same. They disable your Mobile Banking facility, immediately, to avoid any further unforeseen financial damage.
FAQ What is mPIN?  
mPIN is a highly secret four-digit number given by the bank to its respective customers, who have registered for mPAY service. Being a FSS mPAY customer, you must use mPIN for performing any mPAY transaction on your mobile.
FAQ Can I change my mPIN?
Yes. You can change your mPIN, any time.
Go to your mobile application Main Menu -> Choose Change mPIN -> Enter old mPIN -> Enter new mPIN -> Confirm new mPIN -> Submit.
However, while using the FSS mPAY application for the first time, it is mandatory for you to change the default mPIN and set your own mPIN.
FAQ Is it necessary to change the default mPIN that is advised by FSS mPAY through SMS?
Yes, it is mandatory. You cannot use FSS mPAY services without first changing the default mPIN to one of your choice.
FAQ Can anyone else use my mPAY service? 
Not until and unless you reveal your four-digit mPIN (supposed to be kept secret) to anyone; the four-digit mPIN required to log in to the mobile application ensures that only an authorized Bank customer access the mobile application. For security reasons, please do not share your mPIN with anyone.
Note: While logging in to the mobile application, if you enter your mPIN incorrectly for three consecutive times, then, by default, the application gets locked automatically.
FAQ I have forgotten my MPIN. What do I do?
1) Visit http://mobile.fssnet.co.in/mpayweb
2) Log in to the application with your Mobile Number and mPIN.
3) After successful login, select Forgot mPIN from Tools menu.
4) Enter the valid mobile number, and click OK for getting the new mPIN.
5) The application confirms the entered details and sends you an SMS to your mobile with default mPIN.
Note: Change the default mPIN immediately with the help of Change mPIN option.
FAQ How many incorrect login attempts result in the Mobile Banking application locking up?
After the third consecutive invalid PIN entry, the mobile banking application will be locked automatically. You can contact your bank authorities to reset your mPIN.
FAQ I got a message that my account has been locked. What should I do?
You might have tried to log in to your mobile application with invalid mPIN for three consecutive times. These invalid actions lead to the lockdown of the FSS mPAY application for security reasons.
To unlock the application, please contact your nearest branch authorities.
FAQ What precautions do I need to take while accessing the Mobile Banking application?
 
Please follow the below precautions to enjoy a safe and secured mobile banking transaction experience:

1. Please memorize your application Password and mPIN
2. 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.

 
FAQ What happens if my phone gets switched off during a transaction?
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 your mobile. This is not the complete answer!!
FAQ What if I delete the mobile banking application, by accident?
You can simply download the mobile banking application again and use the existing login credentials to continue the mobile banking transactions.
 
FAQ Transaction Sets & Other Features Back to Top
 
FAQ Can I view the transactions relating to my account?
Yes, Mini statement allows you to view a summary of your last nine transactions.
FAQ How will I get my checkbook if I send the request through mobile banking application?
The checkbook will be delivered to the address registered with the Bank. If you do not get the checkbook within a timeframe, please contact your branch. For any reason, if your request is rejected, kindly check up with your bank branch and ensure that your account is opened with checkbook facility.
FAQ 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.
FAQ Is there a charge for using check stop payment facility?
No. There is no charge for using check stop payment facility.
FAQ How do I know my Check status?
  • 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.
FAQ How do I deregister the FSS mPAY service?  
You need to visit your nearest Bank ATM and choose de-register option from FSS mPAY service.
FAQ What kind of fund transfer can I do in FSS mPAY mobile banking service?
Using FSS mPAY mobile banking service, you can do the following three types of transactions:
a) Transfer funds to self-account(s)
b) Transfer funds between same bank accounts (internal transfer)
c) Transfer funds to accounts in other banks (external transfer)
FAQ What are self-account(s)?
Self-account(s) are your accounts that have been enabled for Mobile Banking Service.
FAQ How can I transfer funds between same bank accounts (internal transfer)? Can I transfer funds to my own accounts linked to different branches?
Yes, you can. Please register the target accounts as ‘Payee’ under “Funds Transfer – Beneficiary Registration”. Then you can transfer funds to the target accounts.
FAQ What is NEFT System?
The National Electronic Funds Transfer System (NEFT) is a system designed to transfer funds electronically from your account with us to another account in other Banks anywhere in the country.
FAQ NEFT transaction re-credited to same account next day. Why it has not happened? 
Please contact your bank for the re-credit issue.
FAQ Why do I need to register the accounts for sending money?
The funds can only be transferred to pre-registered payees. This is a one-time exercise specifically designed to increase the security of your mobile banking application.
FAQ Does it cost anything?
No, this service is brought to you by bank at free of cost. Also, since you are using the text messaging service from your mobile phone, you do not incur any airtime charges in making a phone call from your mobile phone. However, the Cellular Service Provider will levy a charge for the SMS facility.
FAQ What do you mean by Other Bank account payee? Why do I have to give so many details for registering Other Bank payee?
‘Other Bank’ account payee is an account that is maintained by another bank. The funds are transferred to accounts linked with other bank through NEFT and all the information asked for is MANDATORY for such transfer of funds.
FAQ Why do I need to set up Nicknames?
This is to ensure that you do not have to enter the information every time. You can choose the nickname from the list. Nicknames are used to differentiate your accounts in Mobile Banking. Not only are Nicknames easier to remember - they are also more secure.
FAQ What is IFS code and how can I find IFS code of a bank branch?
IFS code is an alphanumeric code – a unique identification number given by RBI to identify every bank branch. Follow the steps below to search for the IFS code of a bank branch:

1) Visit http://mobile.fssnet.co.in/mpayweb
2) Login the Application with your Mobile Number and mPIN.
3) After successful login, select IFSC Search from Tools menu.
4) Select the Institution, Region Name and tap the Search button for getting the IFSC details.

FAQ What is difference between ‘Change Application Password’ and ‘Change Login Password’?  
Change Application Password:
Whenever user initiates first transaction after deregistering and registering again, application would prompt the user to change the default application password. User can select or change their password using this option.
Change Login Password:
During the course of application usage, user can change their existing password and can select new password using this option.
 
FAQ Troubleshooting & Technical Support Back to Top
 
FAQ I have changed my mobile number. Can I continue to use the same handset for mobile banking services?
Yes, you can. Follow the steps below to register your new mobile number with FSS mPAY application:
1) Visit http://mobile.fssnet.co.in/mpayweb
2) 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
FAQ What if I change my mobile handset? Does it impact my mobile banking transactions?
Yes. You must download the mobile banking application on to your new handset. However, you can use the same Mobile Number and mPIN. The new application does not have any of the data that you had entered like registered payee, self-accounts, etc. Since these details are saved in your old handset, you must add these details again to your new mobile handset to do transactions with those accounts.
FAQ What if I lose my mobile handset? Can anybody take advantage of my financial data stored on my lost handset? What I am supposed to do under those circumstances?
You must not panic. FSS mPAY is a fully secured mobile banking application. Whoever lays their hands on your mobile, they simply cannot access your mobile banking details without knowing your mobile application Password as well as your mPin (FSS mPAY does not store these details on your mobile handset. So, there is no chance of knowing these details.). Without knowing both the passwords, no one can use your mobile application. However, you must immediately visit your nearest bank ATM, de-register your mobile number from FSS mPAY service, and intimate the bank regarding the same issue.
FAQ I am not getting a response when I tap on the application icon on my handset. What should I do?
The application requires a free memory space of 200 KB. Please ensure that free memory is available in your handset before you download the application.
FAQ Is this service available in other languages also?
Currently, the service is available only in English. In future, FSS mPAY will support multiple languages.
FAQ How do I log out of the application?
You can log out of the application by tapping on the Exit option.
FAQ What happens if I lose communication/signal during a transaction?
When you complete a transaction from your mobile handset (funds transfer, balance enquiry, etc) and Text Messaging is activated, you will receive a text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and resubmit any transactions that did not process.
FAQ What happens if my phone gets hung up when I am in the middle of a transaction?
Switch off the mobile and switch it on. Login to the application using your User ID. And what happens to the transaction
FAQ Nokia handsets show alert messages like Yes/No inside the screen. However, I am not seeing the same alert messages in other mobile handsets. Why?
Yes, it depends on the handset model.
FAQ After uninstalling an existing mobile banking application version, while trying to install same/new version of the
application, I am getting ‘Conflicting Application’ error message. Why?
You get ‘Conflicting Application’ error message, if you have tried to uninstall the existing application in the following ways:
S.No. Reason Solution
1 By trying to install new application version without deleting the existing one Please search and delete the existing application and install the new one
2 By formatting your handset mobile memory
Request your bank branch to provide ‘Conflict Resolving’ application and follow the steps below:
  • Install the ‘Conflict Resolving’ application version in your handset.
  • Activate the application by clicking Old User in the “Activation Options” screen.
FAQ How can I avail new mobile banking application features?
To avail new mobile banking application features:
Your bank sends a notification to you whenever it releases new mobile banking application features. To avail new features, you have to update your existing application by following the steps below:

For Java/ Windows/ Android/ iPhone/BlackBerry OS Mobiles; to update/download new mobile banking application through bank notification, follow the steps below:
1. Search and uninstall the existing application from your handset.
2. Click on the URL embedded in the Notification received from your bank; the handset displays different types of handset models.
3. Select your target handset model; the application gets downloaded on to your handset.
4. Activate the application by clicking Old User in the “Activation Options” screen.
 
Note: To avoid technical hitches, please do not overwrite the new application version on the existing one
 
For Android/ iPhone/BlackBerry OS Mobiles; to update/download new mobile banking application from Google Play/Apple Store/ BlackBerry App World, follow the steps below:
1. Click on the Notification sent to you; the handset displays all the installable mobile applications as a list.
2. Select the target application and click Update/Download. The handset routes you to the Google Play/Apple Store/ based on who sent you the notification.
3. Click Update. The application gets downloaded on to your handset.
4. Activate the application by clicking Old User in the “Activation Options” screen.
 
Note for BlackBerry Users: BlackBerry App World does not send any mobile banking update notification message to you, if you have not downloaded your previous mobile banking application versions from App World.
FAQ How to select a SIM and enable mobile banking related options in dual SIM instruments?
For NOKIA X2-02 Model Instruments:
1. Select Menu -> SIM Manager ->Preferred SIM; the instrument displays the following options:
Ask every time
SIM 1
SIM2
2. If SIM 1/SIM 2 is registered for mobile banking purpose, then follow the steps below to enable the mobile banking options:
a. Click SIM 1/SIM 2; the instrument displays the following options:
Call
Text Messages
Multimedia messages
Packet Data
b. Enable the required options by selecting the corresponding check box. For example, select Text Messages and Packet Data check boxes to do mobile banking transactions.
The instrument, by default, from here onwards uses the selected SIM for mobile banking related operations.
For NOKIA 101 Model Instruments:
1. Select Menu -> Settings -> Dual SIM Settings -> Default SIM for MSGs/Packet Data; the instrument displays the following options:
SIM 1
SIM 2
2. Select the target SIM for mobile banking transaction purpose.
The instrument, by default, from here onwards uses the selected SIM for mobile banking related operations.
 
For SAMSUNG - Smart Dual SIM
1. Select Menu -> Settings -> SIM Cards Management ->Register Card; the instrument displays the default SIM card (selection based on Menu ->Settings -> SIM Cards Management ->Network -> Default Network) number.
The instrument, by default, from here onwards uses the selected SIM for mobile banking operations.
 
For SAMSUNG – Metro Duos
1. To activate the target SIM:
Select Menu -> Settings -> SIM Cards Management -> Network and scroll left or right to view SIM card details
Select the target SIM and click Change to activate the card.
2. To select the activated SIM for mobile bank transactions:
Select Menu -> Settings -> SIM Cards Management -> SIM Auto Switch
Click Change to activate the card
Select the activated SIM and set the start /end timings (for SIM card switching).
Click Save.
The instrument, by default, from here onwards uses the selected SIM for mobile banking operations.
 
FAQ Application couldn't access with multiple IE 8 browsers?
In IE 8 browser, there seems to be only ever one session. No matter how many browsers you open you get the same session and so you can login as only one user at a time.

If you do not want the session to be carried across new IE windows, use File -->"New Session" menu item of IE8, which will open a completely new frame process and will enable you to login to applications with multiple sessions and to work across different sessions.
 
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