Biller discovery & bill fetch
Searchable billers by category and region with real-time bill fetch.
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Bharat BillPay Integration
Bharat BillPay (BBPS) lets customers pay electricity, water, gas, DTH, FASTag, loan EMIs, insurance and many other bills through one interoperable network. We integrate BBPS into your app, website or retailer software through an authorised Bharat BillPay operating unit or its API partner.
What this covers
Typical timeline
A standard gateway integration takes 1–3 weeks; payout, BBPS or AEPS platforms are delivered in phases.
Who it is for
We build the full flow: biller discovery, bill fetch, payment, receipt and complaint handling, plus the agent, commission and wallet logic that retailer networks need. The rules of your operating unit are designed in from the start.
Discuss your requirementFintech apps adding bill payments for customers
Retailer and agent networks offering assisted bill payments
Banks and NBFCs extending services to their customers
Wallet and super-app companies expanding into utilities
Capabilities
Searchable billers by category and region with real-time bill fetch.
Bill payment through the BBPS network with standard receipts and transaction references.
Raising and tracking complaints and disputes as the network requires.
Retailer onboarding, wallets, commissions and transaction history for agent networks.
Daily reconciliation with the operating unit and commission settlement reports.
Encryption, audit trails, limits and VAPT for a regulated payments flow.
How we work
You always know what happens next, who is responsible and what you will receive at each stage.
Typical timeline
A standard gateway integration takes 1–3 weeks; payout, BBPS or AEPS platforms are delivered in phases.
Payment journeys, refund rules, settlement cycles and ledgers are defined.
Integration built and tested end-to-end in the provider sandbox.
Webhook signatures, idempotency, secrets handling and access controls verified.
Production keys, live test transactions and monitoring enabled.
Daily settlement matching and alerting so every rupee is accounted for.
Deliverables
APIs & platforms
We recommend tools based on your scale, budget and existing systems, not on what is fashionable. Every choice is explained in the proposal.
Engagement models
A discovery workshop produces a written scope, architecture and milestone plan with a fixed price before any build commitment.
A cross-functional squad (PM, engineers, QA, DevOps) working in two-week sprints on your roadmap, billed monthly.
SLA-backed maintenance, security patching and a monthly allocation of enhancement hours after go-live.
How pricing works: Integrations are quoted per gateway and flow (checkout, subscriptions, refunds, payouts, split settlements). Gateway transaction fees are agreed directly between you and the provider.
Get a quoteFAQs
No. BBPS access is through authorised Bharat BillPay operating units, typically banks and licensed payment companies. Businesses integrate through such a unit or its API partner, and we build on the access you obtain.
Categories include electricity, water, gas, broadband and postpaid mobile, DTH, FASTag recharge, loan EMIs, insurance premiums, education fees and more, depending on biller coverage.
Yes. We build retailer apps and portals with onboarding, KYC, wallets, commissions, transaction history and support tickets alongside the BBPS flow.
We implement the commission structure agreed with your operating unit, with configurable slabs by biller category, and generate settlement reports for retailers.
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Receive preliminary project architecture, pricing tiers, and timeline estimates within 15 minutes under strict NDA.