About Bharat Bill Pay (BBPS)

THE STORY BEHIND BBPS

2013	2015	2016	2017	2018	2019
GIRO Committee set up on study of integrated bill payment status	Release of Bharat Bill Payment System Guidelines	BBPS Pilot Launch	BBPS Go-live & Launch of services	Bharat BillPay Brand Launched	Inclusion of all recurring payments

Know more about BBPS

ANYTIME, ANYWHERE BILL PAYMENT

Bharat Bill Payment System is a Reserve Bank of India (RBI) conceptualised ecosystem driven by National Payments Corporation of India (NPCI). It is a one-stop ecosystem for all recurring bills providing an interoperable and accessible “Anytime Anywhere” recurring payment service to all customers across India with certainty, reliability and safety of transactions.
Bharat BillPay- The One stop destination for all recurring payments: Bharat Bill Payment System has multiple modes of payment and provides instant confirmation of payment via an SMS or receipt with a Be-assured symbol. It offers repetitive payments of all type like electricity, telecom, DTH, gas, water bills, insurance premium, loan repayments, Cable, FASTag recharge, Education fees, credit card, municipal taxes, mutual subscription fees, housing society etc. through a single window. An effective mechanism for handling consumer complaints has also been put in place to support consumer regarding any bill related problems in BBPS.
Where to Pay- Different Payment Channels: Internet/ Website(Pre-login) | Internet Banking (Post-login) | Mobile app (Pre-login) | Mobile-Banking (Post-login) | Kiosk| ATM| Bank Branch| Agent| Business Correspondents.
How to Pay-Different Payment Modes: Internet Banking| UPI| Credit Card |Debit Card| Prepaid Card| IMPS| NEFT| Wallet | AEPS| Account transfer| BHARAT QR| USSD
Category of Billers Live: Electricity| Gas| DTH| Water| Telecom Postpaid| Insurance| Loan Repayments |FASTag Recharge| Cable | Education Fees

BHARAT BILL PAYMENT CENTRAL UNIT

National Payments Corporation of India (NPCI) functions as the authorized Bharat Bill Payment Central Unit (BBPCU).

Functions of BBPCU

Set Standards: Business, Process and Procedures
Marketing and Brand Positioning of Bharat BillPay
Clearing and Settlement of BBPOUs and their respective Agent-Institutions
Consumer Complaint and Dispute Management
On-boarding of BBPOUs and their respective Billers and Agent-Institutions
Appropriate MIS and suitable fraud risk management

Functions of BBPCU

Set Standards: Business, Process and Procedures

MIS & Fraud & Risk Management

Marketing and Brand Positioning of Bharat BillPay

Dispute management system for BBPOUs

Settlement of BBPOUs for OFF-US transactions

On boarding of BBPOUs

End-to- End Complaint Management System for Consumers

National Payments Corporation of India (NPCI), an umbrella organisation for operating retail payments and settlement systems in India, is an initiative of Reserve Bank of India (RBI) and Indian Banks’ Association (IBA) under the provisions of the Payment and Settlement Systems Act, 2007, for creating a robust Payment & Settlement Infrastructure in India.
Considering the utility nature of the objects of NPCI, it has been incorporated as a “Not for Profit” Company under the provisions of Section 25 of Companies Act 1956 (now Section 8 of Companies Act 2013), with an intention to provide infrastructure to the entire Banking system in India for physical as well as electronic payment and settlement systems. The Company is focused on bringing innovations in the retail payment systems through the use of technology for achieving greater efficiency in operations and widening the reach of payment systems.

Know more about NPCI & its products

Sr. No.	Organization
1.	Airtel Payments Bank
2.	Axis Bank Ltd.
3.	Bank of Baroda
4.	Euronet worldwide
5.	HDFC Bank Ltd.
6.	ICICI Bank Ltd.
7.	IndiaIdeas.com
8.	Indian Overseas Bank
9.	Infibeam Avenues
10.	Kotak Mahindra Bank
11.	PayTm Payment Bank
12.	State Bank of India
13.	Spice Digital
14.	TechProcess
15.	The Thane Janta Sahakari Bank Ltd(TJSB)

Centralised Bill Payment System For Everyday Recurring Payments