Frequently Asked Questions
GENERAL
Bharat Bill Payment System (BBPS) is a Reserve Bank of India (RBI) conceptualised system driven by National Payments Corporation of India (NPCI) that offers interoperable and accessible bill payment service to consumers via digital (bank channels) as well as through a network of agents & bank branches
BBPS covers repetitive payments for everyday utility services such as electricity, water, gas, telecom (mobile postpaid, landline postpaid, broadband) and Direct-to-Home (DTH). Gradually, the scope would be expanded to include other types of repetitive payments like insurance premium, mutual funds, school fees, EMI"s, municipal taxes etc.
BBPS facilitates a plethora of payment modes through which consumer can make a bill payment. The payment modes options at BBPS are Cash, Cards (Credit, Debit & Prepaid), IMPS, UPI, AEPS, Internet Banking & UPI, Wallets
BBPS transaction can be initiated through multiple payment channels both digital channels like Internet, Internet banking, Mobile, Mobile banking, POS (Point of Sale terminal), MPOS (Mobile Point of Sale terminal), KIOSK, and offline channels like ATM, Bank Branch, Agents and Business Correspondents.
"National Payments Corporation of India (NPCI) has been authorized by Reserve Bank of India (RBI) as the Bharat Bill Payment Central Unit (BBPCU), which is responsible for setting business standards, rules and procedures for technical and business requirements for all participants. The BBPCU undertakes clearing and settlement activities related to transactions routed through BBPS."
"Agents are the customer touch points and service points in the BBPS Ecosystem which will be available in the following forms: Branch offices, Collection centres, Retail Outlets and Other Service Points An Agent would be sole the touch-point for Customers to walk in any Outlet/service point with BBPS Logo and make a bill payment. Agents can accept bill payments through various modes. Agents may be on-boarded either directly by BBPOU or by Agent Institutions to offer BBPS services."
A consumer is the entity who wants to make a bill payment to any biller that is a part of the BBPS system. Consumer can make a bill payment of any of the bills e.g. Electricity, post-paid, landline, gas, DTH etc. online or through any BBPS Agent Outlet. The BBPS enabled Agent Outlet could be any retail store or Bank branch with the BBPS Logo or Banner.
Partner
BBPOU
Bharat Bill Payment System (BBPS) is an integrated bill payment system which will offer interoperable bill payment service to customers online as well as through a network of agents on the ground. The system will provide multiple payment modes and instant confirmation of payment.
Bharat Bill Payment Central Unit (BBPCU) will be a single authorized entity operating the BBPS. The BBPCU will set necessary operational, technical and business standards for the entire system and its participants, and also undertake clearing and settlement activities. As indicated in the circular dated November 28, 2015 National Payment Corporation (NPCI) has been identified to act as BBPCU. It will be an authorized entity under the Payment and Settlement Systems Act, 2007.
Bharat Bill Payment Operating Units (BBPOUs) will be authorised operational entities, adhering to the standards set by the BBPCU for facilitating bill payments online as well as through a network of agents,on the ground.
For computation of Net Worth please refer to the instructions contained in our circular https://www.rbi.org.in/scripts/FS_Notification.aspx?Id=9490&fn=9&Mode=0. ‘Net-worth’ should becomputed taking into account paid up equity capital, free reserves, balance in share premium account and capital reserves representing surplus arising out of sale proceeds of assets but not reserves created by revaluation of assets’adjusted for ‘accumulated loss balance, book value of intangible assets and Deferred Revenue Expenditure, if any’
The policy guidelines for the BBPS system were issued by the Reserve Bank of India on November 28, 2014. The document is available in the following link https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=9368&Mode=0. The BBPS will operate as a tiered structure with a single Bharat Bill Payment Central Unit (BBPCU) and multiple Bharat Bill Payment Operating Units (BBPOUs).
To start with, the scope of BBPS will cover repetitive payments for everyday utility services such as electricity, water, gas, telephone and Direct-to-Home (DTH). Gradually, the scope would be expanded to include other types of repetitive payments, like school / university fees, municipal taxes etc.
"There are four key standards set by BBPCU for BBPOUs which have 1. Business Standards 2. Technical Standards 3. Front-end Standards-Customer BBPOU 4. Biller Integration Standards-Biller BBPOU"
Banks and non-bank entities presently engaged in any of the above bill payment activities falling under the scope of BBPS and desirous of continuing the activity are mandatorily required to apply for approval / authorisation to Reserve Bank of India under the Payment and Settlement Systems (PSS) Act 2007.
The applications for authorization / approval from non-bank entities and banks will be accepted till close of business on November 20, 2015. The above timeline has been extended upto December 18, 2015.
The application procedure for non-bank entities is given in the Press Release issued by the Reserve Bank of India on October 20, 2015. The non-bank entities should apply as per the prescribed format given in http://rbidocs.rbi.org.in/rdocs/Forms/DOCs/PSSACRT130215.DOC along with additional inputs in the template as indicated in the above Press Release and a DD/Cheque for Rs 10,000 favoring Reserve Bank of India. The application may be submitted to the Chief General Manager, Department of Payment and Settlement System, Reserve Bank of India, 14th Floor, Central Office Building, ShahidBhagat Singh Marg, Mumbai 400001. Such applications will be accepted till close of business on November 20, 2015. The timeline for receipt of application has been extended till close of business on December 18, 2015.
The application procedure for banks is given in the Press Release issued by the Reserve Bank of India on October 20, 2015. Banks are required to submit a letter along with the Board resolution for undertaking this activity. The details of the type of billers and bill payments that is being handled and/or proposed to be handled by them as BBPOUs, and a complete list of billers for whom services are presently offered may also be provided.
The entities currently engaged in bill payments which are falling under the existing scope of BBPS will mandatorily have to apply to Reserve Bank for authorisation.
Entities engaging in bill payment activities not covered in the present scope of BBPS need not apply for authorisation now. These entities may be required to apply for authorisation as and when the scope of the BPPS is expanded in future. A separate notification will be issued by the Reserve Bank.
The Reserve Bank of India will issue in-principle authorisation to entities which meet the eligibility criteria and other due diligence checks carried out as part of authorisation. The final authorisation to commence the business will be issued after submission of System Audit report and obtaining certification from NPCI to join the BBPS system.
What will happen to the application if any entity already engaged in bill payments does not meet the eligibility criteria?
Yes, the entity will be required to report to RBI as and when it meets the eligibility criteria, but not later than December 31, 2016, for obtaining authorisation to operate as BBPOU.
The entities which have been given extension of time but fail to meet the eligibility criteria by December 31, 2016 will be required to become agents of the existing BBPOUs or exit the business of bill payments covered under the scope of BBPS by May 31, 2017.
No. The billers own collection points will continue as hitherto,even after operationalisation of BBPS.
No, the entities (bank or non-banks) presently engaged in bill payment activities covered under the scope of BBPS desirous of operating only as agents under BBPS system are not required to apply for approval/authorisation to Reserve Bank.
Those entities which have intent to become only agents of BBPOUs can continue to operate their business till December 31, 2016. In case they do not become agents of authorised BBPOUs by then, they will have to wind down their business by May 31, 2017.
If an entity applying for authorisation for BBPOU does not have the required networth as indicated in the eligibility criteria, then they are required to demonstrate unequivocal commitment / sources for raising the funds and also specify the time period within which the funds will be raised.
Depending on the development, growth and expansion of the scope of BBPS, the Reserve Bank may decide to open approval/authorisation window once again at a future date.
As indicated above, depending on the development, growth and expansion of the scope of BBPS, the Reserve Bank may decide to open approval/authorisation window once again at a future date. All entities engaging in bill payment activities and meeting the requisite eligibility criteria for authorisation / approval as BBPOUs can apply as and when the window is opened again.
Submission of Board approval will facilitate speedier processing of applications. If, however, a bank is unable to do so, it will be required to clearly indicate the timeline by which they will be submitting their “Board approval” in their application, and the application will be processed only thereafter.
The eligibility criteria for non-bank entities seeking authorization to function as BBPOUs are given below: • The entity should be a company incorporated in India and registered under the Companies Act 1956 / Companies Act 2013 • The Memorandum of Association (MOA) of the applicant entity must cover the proposed activity of operating as a BBPOU • The applicant entity should have a net worth of at least Rs.100 crore as per the last audited balance sheet and the same has to be maintained at all times. • In case of any Foreign Direct Investment (FDI) in the applicant entity, necessary approval from the competent authority as required under the policy notified by the Department of Industrial Policy and Promotion (DIPP) under the consolidated policy on FDI and regulations framed under the Foreign Exchange Management Act (FEMA) must be submitted while seeking authorization. • The company must have domain experience in the field of bill collection/services to the billers, and relevant experience in transaction processing for a minimum period of one year. • The entity must apply for authorization under the Payment and Settlement Systems Act, 2007 to the Reserve Bank of India for its operations.
Bharat Bill Payment Operating Unit (BBPOU) is the entity that is authorized by Reserve Bank of India. It can be a bank or non-bank. BBPOU (bank or non-bank) may choose to integrate either with the customers (COU: Customer OU) or with the billers (Biller OU) or may wish to participate as both – which mean such BBPOU will be integrated with customers as well as billers. Going forward, only authorised BBPOU - both banks and non-banks authorised by RBI - can handle payment and aggregation of payment services relating to bills under the scope of BBPS.
These are the transactions in which the agent and the biller are linked to the same BBPOU, or the customer is making a payment through an online portal provided by a BBPOU which is also linked to the biller. These transactions will not pass through the BBPCU and the settlement will be carried out at the OU level itself.
"These are the transactions in which agent and biller are not associated with the same operating unit. The agent/ agent institution, who initiates the transaction is linked to one operating unit (OU1) and biller is linked to another operating unit (OU2). In these scenarios, the OU1 will pass the transaction to the BBPCU which will then pass these transactions to the respective OU. If the biller is linked to multiple OUs then the transaction would be passed to the default OUs of the biller. In addition to this the below mentioned online transactions are also considered Off-Us transactions a. If the customer makes a bill payment using the online portal provided by an agent institution / OU where the agent and biller are not linked to the same BBPOU. b. In case the Operating Unit has not on-boarded any agent or biller but is still part of BBPS. In this scenario the payment will be considered an Off Us transaction. "
Quick pay is for billlers who do not require bill fetch for validating bill. In this case, customer need not fetch bill before payment
Sponsor Bank will be required for non Bank BBPOUs for settling accounts in RTGS.
Yes, the format is defined in the front end guidelines released by BBPCU
Assisted Bill payment centers should have one electronic mode of payment
There cannot be any bilateral arrangements between BBPOU. Once the bank has received authorization from RBI to function as BBPOU, the bank will have to integrate with BBPCU to access all billers.
UPI is one of the payment mode of bill payment in BBPS. Yes the OU can collect the bill amount via UPI
Both non bank BBPOUs and Bank BBPOUs may only store minimal transaction related data that will suffice complaint resolution requirements. In case the customer has opted for registration the data can be stored but has to be kept strictly confidential. it cannot be used for further dissemination or market research.Kindly refer to the BBPS procedural guidelines in this regard that may be amended from time to time based on requirement.
Billers are mandated to credit the customer account on the same day when customer pays the bill or value date.
"Biller Id will be circulated across the BBPOUs via updated Master data management file.The biller ID would be assigned when the biller BBPOU configures the biller on the system. The ID would be conveyed to the BBPOU and not the biller. Biller Id & name will be available on the Bill receipt."
Ther will be DMS system interface provided by BBPCU to all BBPOUs through which all BBPOUs will raise diputes
• Wrong A/C credited • Amount not credited • Wrong Amount credited • Multiple Transactions
This will be decided from time to time based on market maturity and demand with RBI approval.
The BBPOU who will be acquiring the transactions from the customer will have to provide with the details of the agents/outlets/BC or branch details from where the transaction will be executed. This is only from transaction fulfilment perspective.
The BBPOU must be compliant to the 15 point checklist shared by the BBPS Team to the BBPOU and later on all on-boarding documents
"1. RBI In-principle approval to BBPOU for acting as OU 2. BBPOU Participation Form 3. Board Resolution 4. Letter of Authority to RBI 5. Sponsor Bank Letter (Non-Bank BBPOU) 6. Escalation Matrix as BBPOU 7. Bi-partite/Tri-partite Agreement 8. CISA Audit Report-Non-Banks"
1. Biller Consent Form (For Default Biller BBPOU) 2. Tripartite Agreement/Bipartite Agreement
BBPOU has to sent a request to bbps@npci.org.in stating their readiness as per the checklist shared.
UIN ( Unique Identification no.) is the unique identification no. allotted to any individual , corporate etc. Companies can provide Company Identity No. (CIN) for this purpose.
As a one-time activity, the BBPOU will have to enter/upload agent details in the BBPS portal. A unique identification for that agent will be created in the system, which will be used to identify the transactions till agent level. Agent details that required are mentioned in the Master Data Sheet enclosed in the Technical Specification Document
Key Exchange would commence after successful completion of the Network Handshake messages. Would request you to share the SSL and Signer Certificates from your end before we send across the same from our end.
Once you are ready with the setup at your end (as COU or BOU) you can inform us regarding your readiness. So, that we can to share our details.
OU has to share the following items before commencing certification. 1. NAT ip 2. Port no 3. Context root(optional) 4. SSL and Signer certificates 5. Message dumps 6. If it is a COU, frontend channel should be ready and working.
1. Operations team should give a go-ahead for the OU’s once preliminary checklist items and documents are received and verified. 2. One PoC will be assigned from BBPS Certification team for any OU. 3. OU has to share the message dumps for review. 4. Once the message dumps are reviewed successfully ip and certificates are exchanged between the NPCI certification environment and the OU’s test environment. 5. OU has to whitelist the NPCI ip at their end and configure the certificates provided from NPCI. 6. Network connectivity has to be established across the two entities. 7. Once network connectivity is established, the OU will be on-boarded in certification environment by NPCI counterpart and the required details like OU-id, Agent details.etc. will be shared to the OU’s PoC.8. OU has to initiate diagnostic request with the provided OU-id. 9. Once diagnostic request is successful OU can start initiating the test cases. 10. After successful execution of test cases OU has to share all the logs to NPCI- counterpart. 11. After successful review of logs the OU will be moved to the next environment.
To accomplish this please share your NAT ip and port number so that we can whitelist the same at our end. Our NPCI counterpart will share the BBPS ip and port number to you.
Digital certificates will be used to ensure the trustworthiness of public facing portals and websites of BBPS. The digital certificate will contain a unique identifier for the entity, and also include the certificate authority that verifies the information contained in the certificate, date that the certificate is valid from and the date that the certificate expires. SSL - RSA 2048 - Class 3 Digital Signing - RSA 2048 - Class 3
CA-signed certificate (with a validity of at least a year) is acceptable during the certification environment, a CA signed certificate will be required in production environment.
You are expected share the SSL and Signer public key certificates to us so that we can configure them at our end. Similarly we shall share the SSL and Signer certificates of BBPS with you.
Cipersuite - TLS_RSA_WITH_AES_128_GCM_SHA256 TLS Version 1.2
There are three rounds of testing Sandbox, Comfort and UAT. We have prepared the different set of test cases for sandbox and for comfort and UAT it will be the same set of test cases.
1. It will depend upon the readiness of the participating OU typically within two to three week time an OU can complete all certification across all the three environment. 2. There are instance one of the OU complete the testing across three environment in less than a week.
In COU testing OU will act as a customer OU (OU will be sending the request) and for BOU testing OU will act as a Biller OU (BOU will be posting the response for the COU request).
We have prepared the set of test cases including Positive, Negative, Reversal, Biller MDM and CMS.
No, the IP and certificates are different for Sandbox, Comfort and UAT testing environments. On the OU’s side it is upto their convenience.
To make the successful communication with BBPCU OU should implement the Diagnostic request API. All BBPOUs need to send diagnostic requests to the BBPCU at regular intervals (3 minutes) to ensure that they are available in BBPS.
Message dumps is a Sample XML message format, before start testing BBPOUs should have a clear understanding of the XML constructs and the different combination of parameters in an online message, e.g., mandatory, conditional and optional elements. For details please refer API specification document
Please check if you have shared the correct signer certificates to us and also you have configured the certificates correctly.
We suggest OU to be ready with their frontend for commencing the testing. However we can give exception for sandbox testing but should be ready in comfort round.
All messages should be digitally signed and the Reference id should be same for both fetch and payment test cases, Message id should be different for fetch test case and payment test case. Please refer API Specification document for more details.
In every testing environment one SPOC will be assigned to help the OU to clarify their doubts and complete the certification quickly.
After execution of test cases OU should share their complete executed logs of all four legs for review.
Yes, for testing purpose we will simulate the billers and share you the details. So, that you can go ahead with BOU testing.
No, OU should execute only their initiating channel and payment mode test cases using frontend channel in UAT Phase e.g. if the OU is coming with initiating channel as internet and payment mode as internet banking means OU should execute that particular test cases.
There are totally 3 scenarios you have to prepare front frontend screenshot. 1. Fetch & Pay (Non-Adhoc) 2. Quick pay(Adhoc) 3. CMS(Complaint Management System)
No, BBPS allow only one IP and port number for each round of testing.
No, there are different set of test cases for COU and BOU testing.
For BOU testing server should place at bank end as per BBPS Procedural guideline issued in the year 2015 and certain input request from billers to ensure the computing environment should reside only at RBI authorized entities only.
Based on the five parameter only the CCF is calculating 1. OUID. 2. Biller ID. 3. MTI. 4. Initiating Channel. 5.Payment Mode. This five parameter is present only at payment request.
Commercial arrangements between the biller and its default BBPOU is not under the purview of BBPS. It is a private comercial arrangement. However, as a scheme, transparent interchange would be decided under BBPS that would have to be adhered to.
NPCI will not regulate any charges. After commencing the pilot, we will facilitate BBPOUs to come together and agree on a commercial structure
BBPS is platform and technology agnostic. BBPS Scheme expects a simple XML based API for connecting with BBPCU, leaving all the other systems to BBPOU"s choice.
BBPS strongly recommends to have a HSM, considering the security considerations, however it"s not mandatory.
Acknowledgement is synchronous. Thus there cannot be a scenario where message is received but acknowledgement is not received. Thus if acknowledgement is not received then sending party should retry.
Acknowledgement is synchronous. Thus there cannot be a scenario where message is received but acknowledgement is not received. Thus if acknowledgement is not received then sending party should retry.
We are using REST APIs and have already shared XSDs as part of the Pilot document.
No, to begin with Customer BBPOU needs to only get certified on the bill payment channels currently available with the BBPOU. However, going forward if the OU wants to use other channels then the same would need to be certified
The biller details and Biller configurations are made available as part of BBPS Canvas
"Biller BBPOU has the responsibility to ensure compliance with BBPS APIs. There is no refundAPI but a reversal API which has to be supported by every Biller BBPOU. Incase the biller is not able to reverse then Biller BBPOU should post the transaction to the biller only after it is sucessful. As far as BBPS is concerned the legitimate reversal request has to be fired by the default BBPOUs who stands in for the Biller."
This is a part of the Biller Configuration
1. Certification can be executed with a dummy biller, but on production/final go-live at-least one biller of the approved categories must be allowed. 2. The biller responses must be given from the BBPOUs own premises. 3. The BBPOU must submit ""Biller Consent Form"" of the biller to NPCI.
180 seconds for online scenario. For offline biller scenario, the refund will be done manually through DMS process. Definite timelines to be provided as part of standards by when the billers will get credit and ack is sent to customer
Bill fetch does not have timeout, if the response is not received user can initiate another bill fetch request. There is no cost associated to it. Bill payment has no dependency on bill fetch request; but the bill fetch response can be used to ensure payment of accurate amount.
Multiple bill fetch requests will give same response, payment message can be built on the basis of any fetch response
Agent ID is a mandatory field and should be passed during request. In case, if it is an non agent based payment channel, BBPOU has to use a dummy agent Institute ID and agent ID for their online payment channels.
Authorisation Code is the number that is generated at the time of card payments. This number is to be entered at the time of accepting card based payments for reconciliation perspective.
NPCI executes, the settlement between BBPOUs (or their sponsor banks if the BBPOU is not a bank) by debiting/crediting their respective RBI Settlement account. Currently there is one settlement every day (except RBI Holidays)
The funds are credited to the Biller BBPOU, post settlement, It is the responsibility of Biller OU to reconcile the funds and remit the same to various Billers, with one day
System is capable to have multiple settlement cycles as per RTGS. RBI would be the final authority to decide on amendments.
Yes BBPOUs get it as follows: 1) OUID – BillerID wise details 2) Settlement is made between BBPOUs and not directly to Biller’s account
No, BBPCU will provide the settlement reports containing credit and debit entries in the same file/cycle. Thus it is NET Settlement.
 Agent Institutions will be on-boarded by BBPOU’s only.  Agent-Institution and Agent shall be listed under the respective BBPOU’s  BBPOU association with A.I.’s / Agents will be uploaded to the BBPCU.  All specific information uploaded by BBPOU’s will be updated to all system participants.
AGENT INSTITUTION FAQs
Billers are the service providers who shall receive payments from customers for any services rendered. By participating in the BBPS scheme, the biller will be able to receive payments from third party channels for the services provided to the customer.The major category of billers would be many utility billers like Electricity, telecom (post-paid), DTH, gas and water. Over a period of time school/university fees, municipal taxes etc. would be accepted. The category of billers eligible to participate in BBPS will be specified from time to time by RBI.
1. Agent Institution are the entities who wish to offer or those who are currently in the bill payment, collection and aggregation business, or who have not received in-principal approval from RBI. 2. These are the entities who could be on-boarded in the BBPS ecosystem by Customer BBPOUs. 3. Agent-Institutions may further on-board agents and/or set-up customer service points in various regions and locations.
Step-1: Connect with a Customer BBPOU of their choice. Step-2: Complete documentation and On-boarding process with the selected BBPOU Step-3: Get their channels like Internet, Mobile, Branch or agents active under BBPS via the selected BBPOU.
Create customer touch points, Provide customer assistance (registration, Quickpay, complaint resolution), Instant confirmation, Awareness (payment and charges), BBPS brand visibility etc.
Assurance of dealing with authorized entities, Single Integration, Increase in footfall, One-point access, Single touch point, easier complaint redressal, standardization and increased revenue opportunities.
RBI has given a deadline of December 31st 2017, to all entities participating in bill payment or who have not received in-principle approval for BBPOU to come as an Agent Institution under BBPS. The entity must become an Agent-Institution at the earliest and not wait until the window period of December 31st 2017.
No, an Agent Institution will get access to BBPS application module through maximum two designated BBPOUs only.
Documentation requirements which need to be furnished with the respective BBPOU: 1. Business address authorization letter and licence to carry on business. 2. Compliance of KYC (Proof of registered/ business address, active bank account details, PAN number). 3. Credibility check, credential verification and banker’s opinion report 4. ITR of last 2 years. 5. Financial Statements for at least 2 years / other credit verification / Background check/ CIBIL verification of promoters and directors. 6. Should not be part of blacklist as and when introduced by BBPCU or any other competent authority
The Payment channels that the Agent-Institution can offer are as follows: 1. Digital Channels: Internet/Website, Internet banking, Mobile app, Mobile banking, POS, MPOS, ATM, KIOSK 2. Physical Channels: Agents, Bank-Branch, Business Correspondent. The Agent-Institution must mandatorily offer its consumers bill payment via BBPS on all current channels where bill payment is offered.
1. Agent Institutions will be on-boarded by BBPOU’s only. 2. Agent-Institution and Agent shall be listed under the respective BBPOU’s 3. BBPOU association with A.I.’s / Agents will be uploaded to the BBPCU. 4. All specific information uploaded by BBPOU’s will be updated to all system participants.
1. Delisting – Termination – Deletion of any Agent Institution is under BBPOU responsibility & discretion. 2. BBPOU will send a formal intimation / advice to BBPCU (Within 30 Days)
Any entity currently offering bill payment and aggregation business, cannot operate outside BBPS ecosystem. In-case the entity, does not get on-boarded in BBPS, it would have to exit the bill payment and aggregation business after Dec 31, 2017.
No, An agent-Institution cannot have bilateral arrangement with another Agent-Institution who is currently offering bill payment services.
Agents cannot further on-board sub-agents. If required, these sub-agents will have to be appointed directly through Agent Institutions.
No, an Agent-institution cannot extend APIs to third party aggregators or entities offering bill payment services.
Entities initially functioning as an Agent Institution may apply to Reserve Bank of India subject to meeting the eligibility criteria and application window being opened by RBI for the same.
Yes, an Agent-institution can migrate from another one BBPOU to another by giving intimation to the BBPCU, well in advance.
There are 4 simple steps in joining BBPS for Biller: 1. Select up to two default BBPOUs for participating in the BBPS scheme 2. Submit the ""Biller Consent Form"" and required details to the concerned BBPOUs/NPCI 3. Ensure communication with BBPOUs over secure channel 4. Provide bill information parameters
A biller can choose up to two default BBPOUs in the BBPS scheme
"This will be based on mutual understanding and agreement executed between the biller and the BBPOU. It is the prerogative of the biller to appoint two default BBPOUs. The BBPOU will have to produce an agreement in this regard. The default operating unit would be responsible for 1. Configuring the biller on BBPS, 2. Provide data feed for all types of bill related queries, 3. Payment and would be responsible for settlement of funds with the biller 4. On behalf of the biller, must respond to the online messages for bill fetch and bill payment either online / offline, single/ bulk."
1.Offline A:Billers who shares their bill data to the Biller BBPOU as per their cycle/daily basis. In this case the BBPOU stands in for the biller 2.Offline B:Billers who are not capable of giving bill data to the BBPOU on regular basis and authorise the Biller BBPOU to accept bills on their behalf; i.e. without validation
Yes, all biller categories currently being served under BBPS platform, would have to mandatorily come in BBPS
"Billers will be on-boarded in BBPS by BBPOUs only. BBPOUs will send a formal request for approval to BBPCU for addition of a new biller’s name when on-boarded after completion of all formalities and compliance with the standards set by BBPCU for on-boarding of billers. After receiving the approval of BBPCU, the BBPOU will add the entry of the newly on-boarded biller, who will then be listed under the respective BBPOU’s profile BBPCU shall issue a unique id for each biller. Same information will be updated to all system participants based on BBPCU authorization/approval. Thereafter the biller will be part of the BBPS and available as ON-US biller for the on-boarding BBPOU and OFF-US biller for other BBPOUs."
BBPOU may delist a biller on valid and justifiable grounds. Illustratively, a BBPOU may delist a biller, inter-alia, for any of the following reasons: 1. In case of breach of BBPS guidelines 2. In case of agreement failure between BBPOU & billers 3. In case the biller company declares Bankruptcy 4. In case the biller has indulged in fraudulent practices in billing or collection 5. Any unforeseen circumstance or contingency that compromises or jeopardizes the system. For any delisting of biller, BBPOU will send a formal intimation/ advice to BBPCU as soon as the event necessitating delisting occurs but in no case later than 30 days.
1.Ensure communication with BBPOUs over secure channel 2. Credit the Customer account on the day of payment transaction reciept 3.Work with BBPOU to resolve the complaints and disputes within prescribed TATs 4. Billers must reconcile the funds remitted by the Biller OU on a daily/regular basis 5. Billers should provide key necessary response parameters as part of messaging system.
1. Cost-effective platform 2. Access to wider bill collection network both digital and offline 3. Low entry barriers 4. Centralized Complaint and Settlement Dispute management 5. Assurance of dealing with entities authorised by RBI 6. Guaranteed settlement cycles 7. Standards driven bill payment system and scheme governance
Yes. The biller may change the default BBPOU for valid reasons after giving a notice of 60 days to the existing default BBPOU and BBPCU. On being satisfied with the reasons adduced for the requested change, BBPCU will carry out the change and advise the system participants.
BILLER
CUSTOMER
Bharat Bill Payments System (BBPS) is an integrated online platform developed by the National Payments Corporation of India for utility bill payments. The platform provides an interoperable service through a digital and network of agents i.e. bank internet banking, mobile banking and retail shops for conusmer to do a bill payment, at one place, Anytime anywhere
The biggest advantage is that the consumer has the "Control" of all his bills at one place and can be paid anywhere and anytime. A transaction ca be done on any customer facing channel be it Electronic (like Internet, Mobile, Kiosk ATMs etc.) Or Physical outlets like branches, retail across the country via Cash, Card , IMPS etc.
The consumer would get an instant confirmation and receipt once the transaction is successfully completed, An SMS would also be triggered by the bank/non-bank
The categories that are currently covered in BBPS are Electricity, Telecom (Landline Post-paid, Mobile post-paid and Broad-band Post-paid), Gas, Water and DTH. Gradually more categories would be covered under BBPS.
1. Connect to any Internet banking/App of your respective bank or Visit bank/branch or retail shop 2. Click on Bill payment or BBPS Tab 3. Chhose the category of biller and Enter the bill details 4. Initiate a payment and get instant confirmation
A consumer will get successful transaction status and BBPS bill reciept in electronic/email/SMS/Print form
A customer can raise a complaint directly from any bank application/BBPS Website. There could be two type of complaints a. Transaction based complaint: This type of complaint is raised by a customer either for a successful / pending / failed transaction. The customer can initiate a complaint either at an agent outlet/ bank-channel or the BBPS website. Mobile No. or Transaction ID will be used as a unique reference number for raising complaints. b. Service based complaint: This type of complaint is raised by a customer for non-transactional issues Transaction based complaints will undergo validation at CU and biller OU levels
A status will be assigned to each complaint, below are the various statuses and their description. Step 1: Enter Complaint ID, Mobile No. or Date range Step 2: View details and status Complaint Status: Logged, Assigned, Pending with BBPOU, Resolved, Re-assigned, Escalated.
For an electronic transaction done at customer"s own bank , there are nil charges. But for a ptransaction done at physical outlet or bank-branches conveneince fee would be levied accordingly.