BBPS (Bharat Bill Payment System) is a unified bill payment platform developed by the NPCI (National Payments Corporation of India). It enables interoperable and secure payment of various utility bills (electricity, water, gas, DTH, broadband, etc.) through a single API.
✅ What You Can Do with BBPS
Service Type
Examples
🔌 Electricity Bill
BSES, UPPCL, TNEB, MSEB, etc.
💧 Water Bill
Jal Boards, Municipal Corp
🔥 Gas Bill
Indane, HP, BharatGas
📺 DTH Recharge
DishTV, Tata Sky, Airtel DTH
🌐 Broadband/Postpaid
BSNL, JioFiber, Airtel Broadband
🧾 Fastag Recharge
NHAI-approved banks
📱 Mobile Postpaid Bill
Airtel, Jio, VI
🔗 How BBPS API Works
Customer Initiates a Bill Payment Enters account number/customer ID via your portal or app.
API Call to BBPS Gateway Your app sends a request to BBPS API (with operator ID, customer ID).
BBPS Fetches Bill Details Retrieves real-time bill amount, due date, name.
Payment Initiated User pays using wallet, UPI, card, or bank transfer.
BBPS Confirms Payment Status returned: SUCCESS, PENDING, or FAILURE.
💼 Business Use Cases for BBPS
Use Case
Benefit
🛍️ Retailer Recharge & Bill Shop
Local stores offer bill payment & earn commission
📲 Fintech App / Wallet Integration
Add bill pay as a feature in your mobile app
🧑🤝🧑 MLM or Agent-Based Business
Resellers handle BBPS bills and get commission
🧾 Utility App or Website
Provide centralized bill payment portal
🧩 How to Get BBPS Access
Option 1: Direct Integration with NPCI (Complex)
Must register as a BBPOU (Operating Unit)
Requires RBI/NPCI compliance, KYC, secure IT infra
