BBPS

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Bharat Bill
Payment System

One Counter for Every Bill Payment

BBPS is the RBI-conceptualized, NPCI-operated interoperable bill payment system that lets your customers pay electricity, water, gas, DTH, broadband, insurance, loan EMIs and more — all from one counter. As an agent, you get access to thousands of registered billers across India through a single integration.

Electricity DTH & Broadband Gas & Water Loan EMI

NPCI Bharat BillPay (RBI Master Direction) Compliant

What You Can Offer With BBPS

Utility Bills

Electricity, water and gas bill payments for all major billers.

DTH & Broadband

Instant recharge and bill payment for DTH and internet providers.

Loan EMI & Insurance

Collect loan repayments and insurance premiums on behalf of billers.

Instant Receipt

Digital/printed receipt generated immediately after every payment.

How BBPS Works at Your Counter

Select Biller

Customer picks the biller category and enters their bill/consumer number.

Confirm Bill Amount

Outstanding amount is fetched live from the biller for confirmation.

Collect & Pay

Collect cash/UPI from customer and settle the bill instantly.

RBI Guidelines & Rules for BBPS

BBPS is conceptualized by RBI and operated by NPCI Bharat BillPay Ltd (NBBL) under the Master Direction on BBPS. Key points for retailers:

Onboarding only via authorized entities: agents must be onboarded through an authorized Agent Institution or Customer Operating Unit (COU).

Mandatory KYC: PAN, Aadhaar and photo required before agent activation.

Minimum age 18 to be registered as a BBPS agent.

Full interoperability: one agent can serve any registered biller across India, per NPCI rules.

Net-worth requirement: non-bank Operating Units must maintain a minimum net worth of â‚¹25 crore for platform stability.

Mandatory digital receipt for every bill payment, as required under BBPS procedural guidelines.

This information is provided to help retailers understand the regulatory framework and is not exhaustive. Always refer to the latest RBI/NPCI circulars and your sponsor bank's onboarding terms before offering this service.

Who Can Become a BBPS Agent?

Any Indian resident, 18 years or older

Valid PAN & Aadhaar for KYC

A smartphone/computer with internet connectivity

Passport-size photo for registration

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