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    Bill Payment API

    BBPS / Bharat Connect API ā€“ Overview
    The Bharat Bill Payment System (BBPS), also known as Bharat Connect, is a centralized, interoperable bill payment platform developed by NPCI under RBI guidelines. It allows users to pay recurring and one-time bills across multiple biller categories through a single integration.
    The BBPS API enables partners to integrate bill payment services directly into their applications, offering secure, fast, and reliable transactions with real-time confirmation and reconciliation.
    Key Features & Benefits
    šŸ›”ļø Secure Transactions ā€“ Fully RBI and NPCI compliant
    āš” Real-Time Processing ā€“ Instant confirmation of bill payments
    šŸ”„ Reconciliation & Refunds ā€“ Automatic handling of failed or disputed transactions
    šŸ“Š Centralized Reporting ā€“ Track all transactions through a single dashboard
    šŸŒ Multiple Payment Modes ā€“ UPI, net banking, cards, wallets, AEPS
    Supported Biller Categories & Examples
    šŸ’” Electricity ā€“ BSES, Tata Power, MSEDCL, BESCOM
    šŸ’§ Water ā€“ Municipal corporations, local water boards
    šŸ”„ Gas ā€“ Indane, Bharat Gas, HP Gas
    šŸ“¶ Telecom / Broadband ā€“ Airtel, Jio, BSNL, Vodafone Idea
    šŸ“ŗ DTH Services ā€“ Tata Sky, Dish TV, Airtel Digital TV, Sun Direct
    šŸš— FASTag ā€“ NHAI toll payments
    šŸ’³ Credit Cards ā€“ HDFC, ICICI, SBI, Axis Bank
    šŸ¦ Loans / EMIs / FD Payments ā€“ Bank and NBFC repayments
    šŸ„ Insurance Premiums ā€“ LIC, ICICI Prudential, HDFC Life
    šŸŽ“ Education Fees ā€“ Schools, colleges, coaching institutes
    šŸ˜ļø Property / Municipal Taxes ā€“ Local civic bodies
    šŸ›’ Other Utilities & Subscriptions ā€“ Cable TV, clubs, associations
    How BBPS API Works
    Fetch Billers & Categories ā€“ Retrieve available billers and their details
    Fetch Bill Details ā€“ Get bill amount and customer details for selected biller
    Initiate Payment ā€“ Pay bills via multiple payment channels
    Check Status ā€“ Confirm real-time status of bill payment
    Handle Refunds / Disputes ā€“ Process refunds for failed or pending transactions
    Why Integrate BBPS API?
    āœ… Access to all major billers in India through a single API
    āœ… Secure, regulated, and compliant payment ecosystem
    āœ… Real-time updates and reconciliation for smooth operations
    āœ… Enables agent-based networks, fintech apps, and digital payment platforms to offer full bill payment services
    Modified atĀ 2025-12-24 17:27:12
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