20,000+
Billers Connected
₹99.99%
Uptime Guaranteed
3 Days
Go Live Timeframe
3000 +
Businesses Trust Us
Understanding BBPS
What is BBPS API and Why Does Your Business Need It?
BBPS stands for Bharat Bill Payment System. It is a system built by the National Payments Corporation of India (NPCI). Think of it like a big bridge that connects all bill companies — electricity boards, gas companies, internet providers, banks — to one single place.
When you integrate the BBPS API into your app or website, your customers can pay any bill directly through you. You do not need to connect with each company separately. One API, one integration, thousands of billers — that simple.
And the best part? You earn a commission on every single payment your customer makes. So you are not just offering a service — you are building a new income stream for your business.
Whether you run a bank, a fintech app, a retail store, or an e-commerce platform — the BBPS API is built for you.
- Customer opens your app and selects a bill to pay
- Your app sends the request through our BBPS API
- BBPS network fetches the exact bill amount from the biller
- Customer pays via UPI, card, net banking, or wallet
- Instant confirmation + you earn your commission
Bill Categories
What Bills Can Your Customers Pay Through BBPS?
One API gives you access to 20+ bill categories. Your customers can pay for almost anything without leaving your platform.
⚡ Electricity Bill
💧 Water Bill
🔥 Gas Bill
📡 DTH Recharge
📱 Mobile Postpaid
🌐 Broadband Bill
🏦 Loan EMI
🛡️ Insurance Premium
🏫 School Fees
🏙️ Municipal Tax
💳 Credit Card Bill
🚗 FASTag Recharge
📞 Landline Bill
🏠 Housing Society
🏥 Hospital Bill
🎁 Donations
Key Features
Everything You Get With Our BBPS API Integration
We have built our BBPS API to be simple enough for a small retailer and powerful enough for a national bank.
🔗
Plug and Play Integration
Our API documentation is written in plain English. Any developer can read it, understand it, and integrate it without calling us 10 times. Most teams go live in under 3 days.
✅
Real-Time Bill Confirmation
The moment a payment goes through, your customer gets a confirmation. No waiting. No confusion. No need to call customer support to ask if the bill was paid.
⚡
Fastest Settlement Cycle
BBPS runs on a T+1 settlement cycle. That means billers get their money within 24 hours. Your business gets its commission on time, every time.
🔒
Bank-Grade Security
Every transaction on our BBPS API is protected with 256-bit end-to-end encryption. We follow all RBI and NPCI security guidelines so your customer data is always safe.
📊
Powerful Dashboard
Track all your bill payments in one place. Filter by date, category, or biller. Export reports in seconds. No more manual bookkeeping or checking 5 different screens.
🛠️
24/7 Technical Support
We are always here — by phone, email, and chat. If anything breaks at 2am on a Sunday, our team will fix it before your customers even notice. That is our promise.
Who Uses It
BBPS API Integration for Every Type of Business
From small retailers to large banks — the BBPS API works for every business that wants to offer bill payment services.
🏦 Banks and NBFCs
Add bill payment directly inside your banking app or loan repayment flow. Increase app engagement and give customers one more reason to stay with you. Also works perfectly for collecting loan EMIs through BBPS.
📱 Fintech and Payment Apps
Already have a UPI or wallet app? Add BBPS bill payment to make it a full-service money app. Access 20,000+ billers with one integration instead of building each biller connection separately.
🛒 Retail Shops and Agents
Turn your shop into a bill payment center. Customers come to you to pay their electricity, mobile, and gas bills. You earn a commission on every payment. No technical knowledge needed — just use our simple dashboard.
🎓 Schools and Colleges
Collect tuition fees, exam fees, and hostel charges all through one system. Parents can pay from anywhere — UPI, card, or net banking. No cash. No queues. No manual tracking.
🛍️ E-Commerce Platforms
Let your customers pay utility bills while they shop. It is a sticky feature that keeps users on your platform longer and gives you an extra revenue stream without building anything from scratch.
🏘️ Housing Societies and Utilities
Collect maintenance fees, water charges, and society dues automatically. Send payment reminders. Get real-time reports. Stop chasing residents for money every month.
Simple Process
How to Get Started With BBPS API Integration
Five simple steps and you are live. No confusing paperwork. No months of waiting.
1
Register
Sign up on our platform and complete your KYC verification online
→
2
Get API Keys
Receive your unique API keys and access our full documentation instantly
→
3
Integrate
Your developer follows our simple guide and connects BBPS to your platform
→
4
Test
Run test transactions in our sandbox to make sure everything works perfectly
→
5
Go Live
Switch to production, go live, and start earning commission from day one
Earn Commission
How Much Can You Earn With BBPS API?
Every bill payment your customer makes through your platform earns you a commission. Here is a clear breakdown of what you can expect.
| Bill Category | Payment Type | Commission You Earn | Settlement Time |
|---|---|---|---|
| Electricity Bill | Fixed per transaction | ₹0.60 – ₹5.00 | T+1 Day |
| Water Bill | Fixed per transaction | ₹0.60 – ₹5.00 | T+1 Day |
| Mobile Postpaid | Percentage of transaction | 1% – 2.5% | T+1 Day |
| DTH Recharge | Percentage of transaction | 1% – 4.5% | T+1 Day |
| Loan EMI / Repayment | Fixed or percentage | 0.15% – 1% | T+1 Day |
| Insurance Premium | Percentage of transaction | 0.5% – 1.5% | T+1 Day |
| FASTag Recharge | Fixed per transaction | ₹1.00 – ₹3.00 | T+1 Day |
| Gas Bill | Fixed per transaction | ₹0.60 – ₹5.00 | T+1 Day |
Commission rates are indicative and may vary based on your plan and transaction volume. Contact our team for a custom commission structure.
Transparent Pricing
Simple, Honest Pricing — No Surprises
Pick the plan that fits your business size. Upgrade anytime. No lock-in contracts.
Starter
₹4,999
one-time setup fee
- ✓ Up to 5,000 transactions/month
- ✓ Access to 500+ billers
- ✓ Basic dashboard & reports
- ✓ Email support
- ✓ Sandbox testing environment
- ✓ Standard API documentation
Most Popular
Growth
₹12,999
one-time + ₹10,000/year AMC
- ✓ Unlimited transactions
- ✓ Access to 20,000+ billers
- ✓ Advanced reports & analytics
- ✓ Priority 24/7 phone & chat support
- ✓ UPI collect request integration
- ✓ Customer notification system
Enterprise
Custom
white-label & custom pricing
- ✓ Everything in Growth
- ✓ White-label branding
- ✓ Dedicated account manager
- ✓ Custom commission structure
- ✓ Multi-bank architecture
- ✓ SLA-backed uptime guarantee
Customer Stories
WBusinesses That Trust Our BBPS API
Here is what real customers say about integrating our BBPS API into their business.
"We integrated the BBPS API in just 2 days. The documentation was so clear that even our junior developer handled it alone. Our customers now pay all their bills through our app without going anywhere else."
"Before this, we were losing customers who wanted bill payment features. Now we offer 20,000+ billers and our monthly commission earnings have crossed ₹2 lakhs. The ROI was visible from month one itself."
Priya Sharma
Founder, PayRight Solutions, Pune
"As an NBFC, loan EMI collection was always a pain. With BBPS API, we send a UPI collect request and customers pay instantly. Our collection efficiency went up by 40%. The support team is excellent too."
Arun Mathew
Operations Head, QuickLend Finance, Bangalore
Why Choose Us
What Makes Us Different From Other BBPS API Providers?
There are many BBPS API providers in India. But here is why 3,000+ businesses choose us over everyone else.
Fastest Go-Live in India
Most BBPS providers take 3 to 5 weeks. We get you live in 3 days. Our onboarding team guides you every step of the way.
Developer-Friendly Documentation
Our API docs are written in simple English with working code examples. No confusing jargon. No missing information. Just clear instructions.
Multi-Bank Architecture
We run on multiple banks in the background. If one bank goes down, your transactions keep flowing through another. Zero downtime for your customers.
Highest Commission Payouts
We offer some of the most competitive commission rates in the industry. The more transactions you process, the more you earn. Simple, transparent, honest.
Quick Comparison
| Feature | Us | Others |
|---|---|---|
| Go-Live Time | 3 Days | 3–5 Weeks |
| Billers Available | 20,000+ | 500–2,000 |
| Uptime SLA | 99.99% | 95–99% |
| Support Hours | 24/7 | Business Hours |
| Settlement Cycle | T+1 | T+2 or T+3 |
| White-Label Option | ✓ Yes | Rarely |
Common Questions
Frequently Asked Questions About BBPS API
Simple answers to the questions we hear most often.
BBPS API is a software connection that links your app or website to the Bharat Bill Payment System. Once connected, your customers can pay electricity bills, water bills, gas bills, mobile bills, loan EMIs, and much more — all from inside your platform. You do not have to build connections with each biller separately. One API does it all.
With our BBPS API, most businesses go live within 3 business days. If your team has previous API integration experience, it can be even faster. We provide detailed documentation, sample code, and a dedicated technical person to help you at every step.
Yes, absolutely. BBPS is developed by the National Payments Corporation of India (NPCI) and is regulated by the Reserve Bank of India (RBI). Every transaction is protected with 256-bit encryption. Only verified billers are allowed on the platform, which means your customers are always dealing with legitimate companies.
Yes! You do not need to be a big company. Even a small kirana shop, mobile recharge shop, or local retailer can use our BBPS API. We have a simple dashboard that requires no technical knowledge. You just log in and start accepting bill payments from your customers and earn commission on every transaction.
Customers can pay using UPI, debit card, credit card, net banking, digital wallets, and even cash at authorized agent locations. BBPS supports all major payment modes, so your customers always have a way to pay no matter what they prefer.
Commission rates vary by bill category. For electricity and water bills, you typically earn ₹0.60 to ₹5 per transaction. For DTH and mobile recharges, it is usually 1% to 4.5% of the transaction value. If you process high volumes, we offer special commission structures. Contact our sales team for a personalized quote.
If a payment fails, the customer's money is automatically refunded within 2 to 5 business days. Our system catches failed transactions in real time. You and your customer both receive an instant notification about the failure so you can try again. Our dashboard also shows all failed transactions so nothing gets missed.
For the integration, yes — you will need a developer to connect the API to your system. But once it is set up, running your bill payment business requires no technical skills at all. Our dashboard is designed to be as simple as using WhatsApp. If you need help, our support team is available 24 hours a day.
Get a Free Quote for Your Custom Software Project
Bring us your idea, your problem, or your existing codebase. We will tell you honestly what it would take to build it — scope, price, and timeline — within 24 hours.