Bharat BillPay (BBPS) API Integration
Fetch and pay bills across 20,000+ billers — electricity, gas, DTH, broadband and more — through a single interface.
What Bharat BillPay (BBPS) API integration does
Bharat BillPay is NPCI's interoperable bill payment network, reaching more than 20,000 billers across electricity, gas, water, DTH, broadband, insurance premiums and loan repayments. For a consumer app it is the difference between being a place people visit when they need something and a place they visit every month.
The integration has two halves and both matter. Bill fetch retrieves the live amount due for a customer's account with a specific biller, so you can show the real figure rather than asking the customer to type it. Bill payment then settles it and returns a confirmation tied to the same biller reference. Keeping fetch and pay bound to one reference is what makes a partial failure recoverable — without it, a payment that succeeds at the network but fails to confirm to your app becomes a support ticket and a duplicate charge.
What teams build with it
Bill payments inside your app
Let customers fetch and pay utility bills without leaving your product, which is one of the strongest available drivers of recurring engagement.
Recurring payment reminders
Fetch the live due amount and prompt the customer ahead of the due date with the actual figure.
Assisted payments
Power agent and retailer networks collecting bill payments on behalf of customers.
Loan and premium collection
Collect EMI and insurance premium payments through the same interoperable rail as utilities.
Endpoints included
POST/bbps/v2/bill/fetchRetrieves the outstanding bill for a consumer against a biller.
Try it in the sandbox
https://sandbox.aeologic.io/bbps/v2/bill/fetch{
"biller_id": "BESCOM00001",
"consumer_id": "9928174455"
}What you need before we start
- The biller categories you intend to support
- Customer account identifiers for the billers in scope
- A settlement account and reconciliation process
- Handling for the fetch-succeeded-pay-failed case
How we deliver it
- Biller category scoping and flow design
- Sandbox integration covering fetch, pay and failure paths
- Reconciliation against biller confirmations
- Production rollout with monitoring on fetch and payment success rates
Related Payments integrations
Industries using Bharat BillPay (BBPS)
Bharat BillPay (BBPS) API integration — FAQs
How many billers are reachable?
More than 20,000 across electricity, gas, water, DTH, broadband, insurance and loan repayment categories, through a single integration.
Are fetch and pay separate calls?
Yes, deliberately. Fetching first lets you show the customer the live amount due before collecting it, and keeps a partial failure recoverable.
How is settlement handled?
Settlement follows BBPS network rules and is reconciled against biller confirmations, which our connector surfaces against your own transaction records.
Ship Bharat BillPay (BBPS) in days
Tell us your stack and we'll wire up Bharat BillPay (BBPS) API integration for your team.
Talk to Aeologic