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What is the Bharat Bill Payments System?

The Bharat Bill Payment System offers customers the convenience of payment by cataloguing various utility providers under one platform.
It acts as a central reference for a customer who wants to make different payments, whether utility bills, loan repayments, FasTag recharge, etc.
It acts as a central reference for a customer who wants to make different payments, whether utility bills, loan repayments, FasTag recharge, etc.

What are benefits of using BBPS?

The biggest advantage is that the bill can be paid anywhere and anytime. There would be retail points for bill payments across the country who would be able to accept all kinds of bills payments made through Internet banking. The BBPS payments would be made securely through the NPCI network with instant receipts getting generated.

There are two key components in the BBPS system —

Bharat Bill Payment Central Unit (BBPCU)
Bharat Bill Payment Operating Units (BBPOUs)

What purpose does it serve?

It offers convenience and access irrespective of the nature and form of payment. For instance, as a customer, one may have certain utilities such as phone, electricity, gas, and water bills to pay on a monthly basis.
Under BBPS, all these utilities are listed on a single website. One must choose the payments to make and that will take him to the vendor website for processing. One doesn’t have to go to each website separately to make the payment.
BBPS supports IMPS, NEFT, UPI, cheques, wallets and even cash.

BBPS

Illuminate Transactions with BBPS

Step into the realm of seamless transactions as a biller, where your presence sparkles across popular UPI apps, making repeat payments a breeze.

For customers, it's not just about settling bills; it's about embedding and harvesting the glow of bill payments, turning each successful transaction into a radiant source of revenue.

Get paid easily anywhere in India, online or offline

On a BBPS app

←

Select your lender

🔎

Search by lender

All lenders

Bajaj Finance Ltd.

Cholamandalam Finance

Your business

HDB Financials

Home Credit

IIFL Fianance

Billers using BBPS to get paid—

Get paid easily anywhere in India, online or offline

On a BBPS app

←

Select your lender

🔎

Search by lender

All lenders

Bajaj Finance Ltd.

Cholamandalam Finance

Your business

HDB Financials

Home Credit

IIFL Fianance

Billers using BBPS to get paid—

Let Every Payment Be A Beacon Of Convenience And Prosperity

Symphony of transforming routine transactions into a masterpiece of financial artistry

BBPS orchestrates a melody of possibilities, allowing businesses to effortlessly navigate the rhythm of recurring payments from customers,

Picture a crescendo of recurring payments seamlessly flowing through the intricate notes of digital transactions,

BBPS has billers—businesses seeking repeat payments—that are on-boarded by Biller Operating Units (BOUs)

BBPS BOU —integrate as a biller

Get listed as a biller on BBPS’s payment network to collect payments easily, repeatedly.

Collect payments ↗

BBPS also has agents—customer payment apps / websites—on-boarded by Customer Operating Units (COUs)

BBPS COU —on-board as an agent

Get listed as a biller on BBPS’s payment network to collect payments easily, repeatedly.

Collect payments ↗

The Virtuoso Of Waltz Through Elegance

Orchestrates a choreography of effortless transactions for all

Billers —businesses who need recurring payments

Any business offering monthly or annual services can collect payments through BBPS with a simple and cost-effective integration.

Billers —businesses who need recurring payments

Any business offering monthly or annual services can collect payments through BBPS with a simple and cost-effective integration.

Billers —businesses who need recurring payments

Any business offering monthly or annual services can collect payments through BBPS with a simple and cost-effective integration.

The BBPS network has—

Infusing elegance into the choreography of transactions

Coin operetta unfolds with BBPS, where banking harmony's overture enchants every transaction transforming every payment into a captivating performance

FAQ

What does BBPS entail?

The Bharat Bill Payment System (BBPS) is a comprehensive payment ecosystem where diverse billers, covering utility bills, loan EMIs, school fees, subscriptions, and more, can register. NPCI manages BBPS, facilitating bill payments through digital channels like bank platforms and a widespread network of agents and bank branches. This inclusive system offers a versatile and efficient platform for individuals to conveniently settle a wide range of bills, promoting digital transactions and financial accessibility.

What is the role of NPCI?

The National Payments Corporation of India (NPCI) oversees the BBPS payments system, handling clearing and settlement functions for transactions conducted through BBPS. Beyond that, NPCI plays a crucial role in establishing business standards, rules, and technical procedures for all market participants. As the regulatory authority for Business Operating Units (BOUs), NPCI grants these entities the authorization to onboard billers onto the BBPS platform. This multifaceted involvement positions NPCI at the forefront of ensuring the efficiency, integrity, and regulatory adherence within the BBPS ecosystem.

What do BOU and COU signify in BBPS?

Biller Operating Units (BOUs) and Customer Operating Units (COUs) are licensed entities, often banks, authorized to provide BBPS services to businesses. In collaboration with BOUs and COUs, [Website Name] facilitates corresponding integrations. BOUs cater to billers, enabling entities generating bills to collect payments through BBPS apps or offline points. [Website Name]'s BOU integration assists billers in listing on BBPS for seamless collections. On the other hand, COUs serve customer-facing platforms, empowering them to become BBPS collection agents, allowing users to conveniently pay any BBPS biller through [Website Name]'s COU integration.

What is [Website Name]'s role in the BBPS ecosystem?

[Website Name] serves as a crucial intermediary, connecting BOU/COU banks with businesses such as billers or customer-facing platforms. Our role involves streamlining integration processes and ensuring compliance with regulatory standards. Additionally, [Website Name] goes beyond mere connectivity by providing supplementary services like comprehensive data reports, timely notifications, and efficient settlements for all bill payments. This comprehensive approach enhances the efficiency and reliability of transactions within the BBPS ecosystem.