Do I have to register before making payments with JomPAY?

How is JomPAY different from existing bill payment service of my bank?

Is there a limit for JomPAY payment?

How do I make a payment via JomPAY?

Can I save the Biller as ‘Favourite’ and set my payments as recurring or future dated?

What is Ref-1 (For customers)?

Why does Ref-1 change in some subsequent bills/invoices?