OVERVIEW OF THE CBS PRODUCT

OVERVIEW OF THE CBS PRODUCT

BASICS ABOUT CBS

CONTENT
▪ WHAT IS CBS?
▪ THE TYPES OF CBS PORTALS
▪ THE PAYMENT SYATEMS FOR CBS
▪ STEPS TO FOLLOW WHEN TRYING TO MAKE PAYMENTS ON CBS
▪ TYPES OF THE DIFFERENT ONLINE PAYMENT SYSTEMS
▪ COMMON COMPLAINTS FOR ISSUES ON CBS
▪ HOW PAYMENTS CAN BE TRACED ON CBS
▪ HOW TO DOWNLOAD RECEIPTS FOR SUCCESSFUL PAYMENTS
▪ HOW TO RESOLVE PAYMENT ISSUES ON CBS

CENTRAL BILLING SYSTEM (CBS)
Central billing system (CBS) Is a user-friendly online billing system with a well-organized database for tracking financial transactions, managing students’ school fees payment and enhancing a seamless flow of transactions in Federal Unity Colleges.

There are two CBS portals:
CBS for Nasarawa State 
CBS for Niger State

CBS FOR NASARAWA AND NIGER STATE
CBS being an online billing system has integrated with Nasarawa and Niger state for an effective flow of financial transactions for the States which include school fee payments for their colleges and other fees concerned with the states at large.

PAYMENT SYSTEMS FOR CBS
▪The Payment options on the CBS Portals (Nasarawa and Niger) are 4 in number: 
Online payment 
Mobile App/Bank Transfer
Bank Branch 
POS

Online payment
This payment system is performed directly from the urls themselves via the customer’s atm card.
▪Nasarawaigr.com
▪Nigerigr.com
Using an atm card is the simplest of all as this option deducts money directly from a consumer’s checking account after the invoice number must have been generated for the particular fee intended.

MOBILE APP OR BANK TRANSFER
This method is simply by making specific payments via the customer’s respective bank app.

First the customer would have to generate an invoice number from the urls (Nasarawaigr.com or Nigerigr.com) first before a successful payment can be concluded.
Remember, without the invoice number, payments cannot be successful.

Bank Branch
▪ This process explains the customer going to their various banks, presenting their invoice number for the payment intended.
▪ All banks perform this process and when the customer has the intention of making a payment for a specific fee, they are aware of the channels to use. All the customer needs to do is visit their bank and present the invoice number that must have been generated.

POS
▪ There are specific Point Of Sale devices that are designed for the payment of fees for Nasarawa and Niger states. 
▪ Although this process is not commonly practiced, a customer can simply visit a pos agent who performs these types of transactions and make payment for their intended fee. Remember that the customer must have generated their invoice number first so that the payment procedure can be seamless. 

STEPS TO FOLLOW WHEN TRYING TO MAKE PAYMENT ON CBS
The first step for this process is by visiting the urls which are 
A. Nasarawaigr.com 
B. Nigerigr.com
Visit the front-end portal URL (www.nasarawaigr.com) to access the landing page and click on the Generate Invoice button

On clicking the Generate Invoice button, select the category of the taxpayer (Individual, Corporate, etc.), search for the revenue head/assessment the taxpayer is making payment for and click on the Proceed button
NB –The search field auto populates revenue heads configured on the system based on the characters inputted.

On clicking the Proceed button, the teller inputs taxpayer information on the payer profile page and clicks on the Proceed button (Fields marked with red asterisks * are mandatory fields)

On clicking the Proceed button, the confirm invoice page is displayed where the teller inputs the invoice amount and clicks on the Confirm Invoice button (Please note, the teller can only input invoice amount for revenue heads configured without an amount from the backend. If configured with amount, the amount is displayed).
On clicking the Confirm Invoice button, the invoice page is displayed with the invoice number (BIN) and other invoice details and the payment options that can be used.

TYPES OF ONLINE PAYMENT METHODS FOR CBS
So when the customer gets to the point of making his payment, It is important to note that payments made using the ONLINE PAYMENT category is divided into three (Card, Transfers, USSD) as shown in the next slide

CUSTOMER’S BANK CARD
Bank transfer/ bank APP 
USSD

VISIT THE URL, CLICK ON MAKE PAYMENT
INSERT THE INVOICE NUMBER AND CLICK ENTER
CLICK PAY
CLICK ON PROCEED TO MAKE PAYMENT
YOU CAN GO AHEAD TO COMPLETE YOUR 
PAYMENT IF YOU WISH TO CONTINUE WITH YOUR ATM CARD

HOWEVER, IF you wish to continue VIA TRANSFER, CLICK ON TRANSFER AND then a specific account number is provided which comes in this format 041286798 as seen in picture 2.
Also, this account number 041286798 also serves as a reference number on the reporting portal as the retrieval ref when investigation is on going.
But if you want to continue via ussd code, you are still on track.

Click on the ussd option
Select your preferred bank, It brings out the ussd code for your 
bank and then you can dial the code and proceed payment

COMMON COMPLAINTS/ISSUES FROM CBS
We are well aware of the fact that issues may arise whenever people make payments or try to make payments.
Highlighted below are common ways these people present their issues whenever they try to perform CBS Transactions.

I have been debited but the payment is not reflecting on the portal.
This payment is showing “Successful” but it is not reflecting on the portal.
Help me to confirm my payment with invoice number….
Please I need a receipt for this transaction with invoice number….

HOW PAYMENTS CAN BE TRACED ON CBS
Category A
Which covers what the Agent/Student/Customer is to provide.
Invoice Numbers(Usually a 10-digit number, in the format 1000123456).
Debit alerts/Bank App Receipts.
Snapshot of the customer’s Bank Statement Of Account.
Names on the Invoice/Date and Time of the transaction.

N.B: Be sure to ask for the Invoice Number first and then any of the above from customers/clients whenever they come with issues.

Category B
Which covers the tools needed by the Customer Support Staff in order to trace payments.
The Reporting Portal
NIP Reports
Paydirect Entries.

N.B: Be sure to ask for the Invoice Number first and then any of the above from these people whenever they come with issues.

HOW TO DOWNLOAD RECEIPTS FOR SUCCESSFUL PAYMENTS ON CBS

VISIT THE URLS nigerigr.com/nasarawaigr.com
Click on make payment 
Input the invoice number generated 
Click on view receipts
Click on the receipt number 
Click on download receipt

The receipt is then downloaded in pdf file and then you can send to the client for proof of successful payment.

HOW TO RESOLVE PAYMENTS ISSUES ON CBS

We have two methods of tracking payments for cbs
*NIP REPORTS PORTAL
*TRACKING ON THE REPORTING PORTAL

The Reporting portal

Tracking via NETPAY is for payments made through the nasarawaigr.com/nigerigr.com urls themselves or through bank deposit or online card payments 

Either way, the invoice number or the reference number on the bank receipt is provided for investigation. 

STEPS
*Filter the date of the transaction which would be provided alongside the details of the transaction.
*The invoice number which is usually in this format(1000457277) being the first thing to ask for is imputed on the netpay log as the merchant ref.
In some cases, the reference number on the receipt 041757379 provided can be imputed as the retrieval ref on the netpay log 
but either way, you are on the right track.
*Click on search.
You either get a pending, failed or successful transaction status. 
If the transaction is on pending or successful, then you visit paydirect to get the final status of the transaction with the payment ref on the netpay log and you escalate to the Product admin.
If it is a failed response, please inform the client or customer to visit their bank to log a complaint as the payment was unsuccessful.

*Click on NETPAYTRANSACTIONDETAILS
*Filter date
*Input the invoice number (1000457277) on the MERCHANT REF space
*SEARCH
*If the receipt is provided and the reference number 041983587 is shown, you may use it on the retrieval ref space and search
The receipt reference number is equivalent to the invoice number in terms of search.

For further confirmation must be made on paydirect so as to know the final status of the payment performed.

This is to be followed if you notice that the “Retrieval Ref “ on NETPAY is in the format “185712345678”.
*Filter the date of transaction
*Filter the time if needed as well
*Choose the specific bank name
*Copy the payment ref from Netpay into the payment ref box
*SEARCH

You confirm if the status is successful on Paydirect (00 OK) then escalate to product admin.
If the Status is not successful on Paydirect please escalate to product admin too.
Also, if the transaction status on Paydirect is G3, please advice the 
customer to visit their bank to log a chargeback claim against Readycash.

ONLINE PAYMENT- BANK TRANSFER
NIP REPORT- INWARDS SUCCESSFUL
RECEIPT REFERENCE NUMBER

NIP REPORT portal is a group of official documented accounts used for investigating all online or bank transactions done on a particular session on Parkway Projects everyday.

The approach above is to be followed if the transaction was made via bank transfer, you notice that the evidence of payment/receipt carries a reference number like this “0412345678”
It should be noted that when finding this transaction in the NIP Report, we are to search using the retrieval ref in the format above, however, we are to ensure that we omit the first zero before the 4, in order to find this transaction.
If this transaction is traceable in the NIP Report, then we are to escalate to SUPPORT via Zendesk
And in a case where this transaction is not found in the NIP Report, it means the transaction failed and this is to be communicated to the person who logged the Issue.

INVOICE NUMBER
The Candidate/Agent/Student is required to provide any of the documents below for resolution.
Debit alerts/Bank App Receipts.
Bank Statement Of Account.

The Customer Support Staff is to Check the NIP Report using the INVOICE NUMBER of this transaction based on the documents presented and then treat the issue
If this transaction is found in the NIP Report, the NIP Entry is to be copied and then escalate to product admin for further resolution.
And in a case where this transaction is not found in the NIP Report, it means the transaction failed and this is to be communicated to the person who logged the Issue.

EBILLSPAY
e-BillsPay is an electronic bill payment platform that facilitates the payment of Bills, Fees, Levies, Premiums and Subscriptions etc. by the banking public through electronic payment channels provided and managed by Banks
So in this case, the customer visits their bank in request to make payment as against their invoice number via Ebillspay.
The bank official knows what to do and if after this, the customer reports that his payment was unsuccessful and they were debited, escalate to support with their evidence of payment or invoice number.


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