The CBILL service enables users, via one of the channels made available by their banks, to settle a debt, generically referred to as a “Bill”, issued by a creditor generically referred to as a “Biller".
The CBILL service requires the creditor (Biller) to participate in the CBILL service via a “Treasury Bank”, which acts as supplier of the service and usually receives on a daily basis all the payments made by the “User Banks” that have adopted the scheme.
There are two different CBILL services: inquiry and payment.
If the Biller's databases are appropriately organised, the inquiry service allows the debtor position of a party with respect to Biller “X” to be queried using the related tax code or specific ID code recognised by the Biller; a maximum of 3 inquiries involving 3 different Billers can be made at the same time during the same session.
The payment service, on the other hand, allows the status of a specific bill to be checked and to confirm its payment if its status is “payable”.
The input data for the payment service, being the bill code and the amount, is either input directly by the user or obtained from the process described above.
The User Bank and the Biller can obtain a collection commission from the User; in turn, the User Bank (like the Treasury Bank) must pay the costs of participating in the CBILL service.
The Biller can provide the above services either via direct connection to CBILL or via a service centre that acts as an FES.