How to pay a company or person using Bill Pay
You can use the Bill Pay feature within online banking and HSBC Mobile Banking app1 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 who is not online, HSBC Bill Pay will send your payment as a check.
What you’ll need
When paying a company:
- Company name
- Company U.S. 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 | ||
| Delete recurring or future-dated payment |
| 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 | Delete recurring or future-dated payment |
| Personal Internet Banking (Browser) | |
| HSBC Mobile Banking App |
Set up a new Bill Pay payee in online banking
You can create a new Bill Pay payee using online banking or the HSBC Mobile Banking app.
Note: some payees can only be set up via online banking.
1. Log on to online banking.
2. Choose 'My HSBC' at the top left of the page and select 'My wire and bill payees'.
3. Select 'Bill Pay payees', scroll to the bottom of your list of payees and select 'Add a new bill payee'.
4. 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.
Pay a person or company using Personal Internet Banking
1. Log on to online banking.
2. Within the Useful links bar, click Bill payments.
3. On the Transfers, Wires, and Bill Pay page, select the HSBC checking account from which you would like to pay from.
4. In the To section, select the Bill Payments option.
5. Select a bill payee from your existing payee list. You can select up to five to pay multiple bills. Then, click on the Continue button.
6. Enter the amount you want to pay. Choose between a recurring transfer or a one-time payment.
7. 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.
8. The Withdraw on Date will note when the money will be withdrawn from your HSBC checking account and sent to your payee.
9. Select Continue.
10. Check the details of your payment on the Review page and select Confirm to process the bill payment.
Set up a new Bill Pay payee using HSBC Mobile Banking app1
You can create a new Bill Pay payee when you log on to the HSBC Mobile Banking app.
1. Log on to the HSBC Mobile Banking app.
2. Tap 'Move Money' on the bottom menu.
3. Select 'Pay a Bill'.
4. On the 'From' page, select the HSBC checking account from which you’d like to pay.
5. On the 'To' page, tap 'Add new bill payee'.
6. Start by typing the payee's name in the search box.
7. Once you have found your payee, select it. If you can't find the payee you're searching for, please log onto online banking on a web browser to add the payee manually.
8. Enter your account number and any other required information and then tap 'Continue'.
Once you’ve set up your new payee, you’ll receive an email confirmation.
Once you’ve set up your 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 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 HSBC 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 would like to pay from.
5. Select who you want to pay from your list of existing payees. To set up a new payee, select +Add new bill payee. Start by typing the payee's name in the search box. If you can't find the payee you're searching for, you will need to add the payee manually through 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 will be presented a Review screen with your payment details.
9. Verify the details and tap Confirm to process the payment.
10. You will 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, which you can access by logging onto Personal Internet Banking or the HSBC Mobile Banking App.
Processing Times
Same-day Bill Payments scheduled before 4:00pm ET, Monday through Friday (excluding federal holidays) will be processed on that day. Payments scheduled after 4:00pm ET 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 online banking.
2. Click My HSBC at the top lef tof the page and select Future dated bill payments.
3. 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. Camera-in device required to be able to utilize HSBC Mobile Check Deposit. Deposit amount limits may apply. HSBC Mobile Banking App is available for iPhone®, iPad®, AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM.
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.
How can I search or print out my Future Dated or Recurring Bill Payments?
To search:
1. Log on to online banking.
2. Click My HSBC at the top left of the page and select Future dated bill payments.
3. 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.
4. 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 online banking.
2. Click My HSBC at the top left of the page and select My bill payees.
3. Click on the 3 dots to the right of the payee and select 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.