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How to pay a company or person using Bill Pay (Pay a Bill)

You can use the Pay a Bill feature within Personal Internet and Mobile Banking to transfer money within the U.S. to a company or a person from your HSBC checking account without a fee. If you’re paying a person, HSBC Bill Pay sends your payment as a check, so you can pay even if the person isn't set up online.

What you’ll need

When paying a company:

  • Company name
  • Company address
  • Your account number with the company 

If paying a person:

  • Full name
  • U.S. address
  • Account number with payee (if you do not have account number with payee, the account number field can be used as a memo line)

What devices can I use to manage my Online Bill Payments?

Features Personal Internet Banking (Browser) HSBC Mobile Banking App
Pay a Bill    
Add a new bill payee     
Delete a bill payee    
Schedule a one-time bill payment     
Pay multiple bills     
Schedule recurring payment     
Schedule future-dated payment    
Report issues using Secure Message (BankMail)     

What devices can I use to manage my Online Bill Payments?

Features Pay a Bill
Personal Internet Banking (Browser)  
HSBC Mobile Banking App  
Features Add a new bill payee
Personal Internet Banking (Browser)  
HSBC Mobile Banking App   
Features Delete a bill payee
Personal Internet Banking (Browser)  
HSBC Mobile Banking App  
Features Schedule a one-time bill payment
Personal Internet Banking (Browser)  
HSBC Mobile Banking App   
Features Pay multiple bills
Personal Internet Banking (Browser)  
HSBC Mobile Banking App   
Features Schedule recurring payment
Personal Internet Banking (Browser)  
HSBC Mobile Banking App   
Features Schedule future-dated payment
Personal Internet Banking (Browser)  
HSBC Mobile Banking App  
Features Report issues using Secure Message (BankMail)
Personal Internet Banking (Browser)  
HSBC Mobile Banking App   

Set up a new Bill Pay payee in Personal Internet Banking

You can create a new Bill Pay payee when you log on to Personal Internet Banking from your computer or laptop. Note, you aren’t able to set up a Bill payee on the mobile app.

1. Log on to Personal Internet Banking.

2. From the My Accounts menu on the left side of dashboard, select your HSBC checking account.

3. Click Pay a Bill, the button above transactions  on the account dashboard .

4. On the New Bill Payment page, select the HSBC checking account from which you’d like to pay.

5. In the To section below, click Add a New Bill Payee

6. Start by typing the payee's name in the search box. If you can't find the payee you're searching for, an Add Payee Manually button will appear. If you’re paying a person, input their full name, address and your account number. Because the account number is a mandatory field which can’t be left blank, use it as a memo line if you don’t have an account number with the payee. This field will appear on the memo line of the check they receive from HSBC. Once you’ve set up your new payee, you’ll receive an email confirmation.

Once you’ve set up and made your first Bill Payment to a payee, you can use the HSBC Mobile Banking App to pay a bill or schedule a one-time payment to that payee.

Pay a person or company using Personal Internet Banking

1. Log on to Personal Internet Banking.

2. From the My Accounts menu on the left side of dashboard, select the HSBC checking account you’d like to pay from.

3. Click Pay a Bill, the button above transactions  on the account dashboard. 

4. On the New Bill Payment page, select the HSBC checking account from which you’d like to pay.

5. In the To section below, click Pay a Bill Payee

6. Select a Bill Payee from your existing payee list. You can select up to five, to pay multiple bills. Click on the Continue button. 

7. Enter the amount you want to pay. Choose between a recurring transfer or a one-time payment. 

8. Select a Deliver by Date, which is the date your payee will receive your payment. The calendar will present you with the earliest deliver by date available. You can schedule a same day payment up until 4 pm ET.  Note: If the Bill Payment falls on a weekend or U.S. federal holiday, it will be processed the next business day. 

9. The Withdraw on Date will note when the money will be withdrawn from your HSBC checking account and sent to your payee. 

10. Select Continue.

11. Check the details of your payment on the Review page and select Confirm to process the bill payment.

Pay a person or company using HSBC Mobile Banking App1

Now that your payee has been set up and a first payment has been made to that payee using Personal Internet Banking, you can easily make a one-time or future-dated payment through the mobile app. If you want to set up recurring payments, or pay multiple bills at a time, you’ll need to use Personal Internet Banking.

1. Log on to the HSBC Mobile Banking App.

2. Tap Move Money on the bottom menu.

3. Select Pay a Bill.

4. Select the HSBC checking account you’d like to pay from.

5. Select who you want to pay by tapping My Bill Payees. To set up a new payee, you’ll need to use Personal Internet Banking

6. Enter the Amount you want to pay and select a Deliver by Date using the calendar. 

  • The Withdraw on Date will note when the money will be withdrawn from your HSBC checking account and sent to your payee. 
  • The Payment Method (electronic payment or paper check) will note how the recipient will receive your payment.  

7. Tap Continue.

8. You’ll be presented a Review screen with your payment details. 

9. Verify the details and tap Confirm to process the payment. 

10. You’ll see a Confirmation screen with your payment details.

 

Insufficient Funds

Make sure you have sufficient funds in your HSBC checking account on the Withdraw on Date. If you are transferring from your HSBC checking account and your available balance does not have enough money, your Bill Payment(s) will not be completed. If you have insufficient funds, HSBC will notify you with a Secure Message (BankMail), which you can access by logging onto Personal Internet Banking or the HSBC Mobile Banking App.   

If you have HSBC Overdraft Protection, funds may be taken from your Overdraft Protection account to complete the Bill Payment. 

 

Processing Times

Same-day Bill Payments scheduled before 4:00 PM Eastern Time, Monday through Friday (excluding federal holidays) will be processed on that day. Payments scheduled after 4:00 PM Eastern Time will be processed the next business day.

 

How to cancel a Bill Payment

Use Personal Internet Banking to delete a pending Bill Payment. 

1. Log on to Personal Internet Banking.

2. From the My Accounts menu on the left side of dashboard, select your HSBC checking account.

3. Click Pay a Bill, the button above transactions  on the account dashboard. 

4. Select the Future Dated Bill Payments tab to view a list of your future-dated payments.

5. In the More column, select Delete to cancel the Bill Payment.  

 

For any issues, chat online with us for immediate assistance.

 

1 Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.

Frequently Asked Questions

How far ahead can I schedule a Bill Pay payment? 

You can schedule a Bill Pay payment up to a year in advance.

 

What happens if I set up a Bill Pay payment, but I do not have money in my HSBC checking account?

If you do not have sufficient funds in your checking account before the Withdraw on Date, and you have Overdraft Protection, money may be taken from your Overdraft Protection account to complete the Bill Payment.  If you don’t have Overdraft Protection, your Bill Payment(s) will not be completed. If you have insufficient funds, HSBC will notify you with a Secure Message (BankMail), which you can access by logging onto Personal Internet Banking or the HSBC Mobile Banking App.

 

How can I search or print out my Future Dated or Recurring Bill Payments?

To search:

1. Log on to Personal Internet Banking.

2. From the My Accounts menu on the left side of dashboard, select the HSBC checking account your Bill Payment is paying from.

3. Click Pay a Bill, the button above transactions  on the account dashboard. 

4. Select the Future Dated Bill Payments tab. From here, you can search and filter by Payee, Deliver by Date, Amount, or by the HSBC checking account you’re using to pay the bill.

5. Click the Print button at the bottom of the page to print.

 

How can I edit a payee’s details?

Payee information cannot be edited. You will have to delete and create a new payee.

To delete a payee:

1. Log on to Personal Internet Banking.

2. From the My Accounts menu on the left side of dashboard, select the HSBC checking account your Bill Payment is paying from.

3. Click Pay a Bill, the button above transactions on the account dashboard . 

4. Select the My Bill Payees tab. From here, you can select the payee you wish to delete. Important: If a payee has a future-dated payment/s scheduled, you must first delete all the scheduled payments prior to deleting the payee.

 

How can I avoid late fees or reimbursement charges that may be imposed by payee?

You must schedule your payment in advance of the payment due date. We recommend that you schedule your Bill Payments at least five business days before a payment is due.

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