BBPS API Integration Guide: Bharat Bill Payment System for Enterprises
What is BBPS?
BBPS (Bharat Bill Payment System) is an RBI-mandated, NPCI-operated interoperable bill payment platform that enables customers to pay bills across multiple categories — electricity, gas, water, telecom, insurance, loan EMIs, and more — through a unified interface.
For businesses, the BBPS API provides a single integration point to offer bill payment services for 200+ biller categories. NxtBanking Bill Connect is a certified BBPS agent platform that makes integration seamless.
How BBPS Works: Architecture Overview
The BBPS ecosystem involves four key participants:
- Customer: Initiates bill payment through your app or website.
- Agent Institution (AI): Your platform, integrated with BBPS via NxtBanking API.
- NPCI (Central Unit): Routes the payment request to the correct biller.
- Biller/Operating Unit: Receives payment and confirms bill settlement.
Every transaction gets a unique BBPS reference ID and receipt, ensuring end-to-end traceability and consumer protection.
BBPS API Features
- 200+ Biller Categories: Electricity, gas, water, broadband, DTH, insurance, loan EMI, municipal taxes, education fees, and more.
- Fetch & Pay: Two-step process — fetch bill details first, then confirm payment. Prevents overpayment or wrong-biller errors.
- Multiple Payment Modes: Support for UPI, debit card, net banking, wallets, and cash (via agents).
- Real-Time Confirmation: Instant payment confirmation with BBPS reference number.
- Complaint Resolution: Built-in dispute resolution mechanism through NPCI.
- Commission Structure: Earn commission on every bill payment processed through your platform.
Why Integrate BBPS API?
Revenue Generation
Every bill payment processed through your BBPS integration earns commission. At scale, this becomes a significant revenue stream — especially for fintech apps and banking platforms.
Customer Retention
Offering bill payment within your app reduces the need for customers to switch to other platforms. It becomes a sticky feature that drives daily engagement.
Regulatory Compliance
BBPS is RBI-mandated and NPCI-certified. Integrating through NxtBanking ensures your platform is fully compliant with all regulatory requirements.
Integration Steps with NxtBanking
Step 1: Register as BBPS Agent
Sign up on NxtBanking API Marketplace. We handle the NPCI registration process for you.
Step 2: Integrate Bill Fetch API
Use our Bill Fetch endpoint to retrieve bill details for any biller category. Pass the customer identifier (account number, mobile, etc.) and receive bill amount, due date, and biller details.
Step 3: Integrate Bill Payment API
Once the customer confirms, call the Bill Payment endpoint with the bill details and payment mode. The payment is routed through NPCI to the biller.
Step 4: Handle Callbacks
Receive real-time webhooks for payment confirmation, including the BBPS transaction reference number.
BBPS Biller Categories
| Category | Examples | Volume |
|---|---|---|
| Electricity | State discoms, BSES, Tata Power | Highest |
| Telecom | Jio, Airtel, Vi, BSNL | High |
| DTH | Tata Play, Airtel Digital, Dish TV | Medium |
| Gas | Mahanagar Gas, Indraprastha Gas | Medium |
| Water | Municipal corporations | Medium |
| Insurance | LIC, ICICI Prudential, HDFC Life | High |
| Loan EMI | Banks, NBFCs | High |
| Education | Schools, colleges, universities | Seasonal |
Frequently Asked Questions
What is BBPS API?
BBPS API is a programming interface that allows businesses to integrate Bharat Bill Payment System into their apps and platforms, enabling customers to pay bills for 200+ categories.
How do I become a BBPS agent?
You can become a BBPS agent by partnering with an authorized agent institution like NxtBanking. We handle the NPCI registration and provide ready-to-use APIs.
What commission do BBPS agents earn?
Commission varies by biller category, typically ranging from ₹2 to ₹15 per transaction. High-volume agents can negotiate better rates.
Is BBPS API integration free?
NxtBanking does not charge integration fees. You earn commission on every transaction, making it a zero-investment revenue opportunity. Request a demo to learn more.
People Also Ask
How to become a BBPS agent?
You can become a BBPS agent by partnering with an existing COU (Customer Operating Unit) like NxtBanking. Requirements include valid business registration, KYC documents, and minimum working capital of ₹5,000-25,000.
What is the BBPS transaction limit?
BBPS does not have a fixed per-transaction upper limit set by NPCI, but individual billers may set their own limits. Most utility billers accept payments up to ₹2 lakh per transaction. Higher limits are available for insurance and loan EMI payments.
