BBPS Bharat Bill Payment System API | 200+ Billers

What is BBPS?

RBI-Mandated Interoperable Bill Payment System

The Bharat Bill Payment System (BBPS) is an RBI-mandated, NPCI-operated centralised and interoperable bill payment platform. It enables customers to pay all utility and recurring bills online and offline across India with certainty, reliability and security.

BBPS covers electricity, water, gas, telecom, DTH, broadband, insurance premiums, school and college fees, municipal taxes, loan EMIs, mutual fund SIPs and more — from a single API integration. BBPS outlets include banks, ATMs, business correspondents, kiosks and digital apps.

Payment modes include UPI, credit cards, debit cards, net banking (IMPS, NEFT), e-wallets and cash — with instant digital receipt and real-time biller confirmation.

📄 API Documentation Get API Keys →

200+

Billers covered

24/7

Instant settlement

NPCI

Network backbone

RBI

Regulated

Biller Categories

200+ Billers Across All Categories

One API key covers every biller on the BBPS network — instantly active from day one.

⚡

Electricity

BESCOM, MSEDCL, BSES, UPPCL, TNEB, CESC and 60+ state discoms

60+ billers

📱

Telecom Postpaid

Airtel, Jio, Vi, BSNL postpaid mobile bills — all operators, all circles

10+ billers

🔥

Gas / PNG

Mahanagar Gas, IGL, Gujarat Gas, GAIL, Adani Gas city distributors

15+ billers

💧

Water Supply

Municipal water boards across Delhi, Mumbai, Bengaluru, Chennai, Kolkata

20+ billers

📺

DTH / Cable TV

Tata Play, Sun Direct, Dish TV, Videocon D2H, Airtel DTH recharge

6+ billers

🌐

Broadband

ACT, Airtel, JioFiber, Hathway, BSNL broadband monthly renewals

12+ billers

🛡️

Insurance Premium

LIC, HDFC Life, SBI Life, ICICI Prudential — life and general insurance

20+ billers

🎓

School / College Fees

Tuition fees, admission fees and exam form payments via BBPS network

500+ institutions

🏦

Loan EMI

HDFC, SBI, ICICI, Bajaj Finance, Axis Bank and NBFC loan repayments

30+ lenders

📈

Mutual Fund SIP

SBI MF, HDFC MF, ICICI Prudential MF SIP instalments and lump-sum

25+ AMCs

🏛️

Municipal / Property Tax

Property tax, water tax and municipal charges for major corporations

50+ ULBs

☎️

Landline

BSNL, MTNL landline bills and broadband combo payments across India

5+ billers

🚗

FASTag / NHAI

NETC FASTag recharge — HDFC, ICICI, Axis, Paytm FASTag wallets

10+ banks

🏥

Hospital Payments

Apollo, Fortis and major hospital bill payment and diagnostic payments

50+ hospitals

📡

Subscriptions

OTT subscriptions, club memberships and association fee collections

Growing

More Coming

Housing society, RTO, court fees, government services — added regularly

Expanding

Why ZuelPay BBPS?

API Features & Capabilities

🔄

Single API, All 200+ Billers

One integration gives access to every BBPS biller — no separate connections needed for each category.

✅

Bill Fetch Before Payment

Retrieve outstanding bill amount, consumer name and due date before payment — prevents wrong transactions.

⚡

Real-time Confirmation

Biller confirmation via NPCI within seconds — instant digital receipt for every successful transaction.

💳

All Payment Modes

UPI, credit cards, debit cards, net banking (IMPS/NEFT), e-wallets and cash offline — all supported.

🏢

B2C and B2B Support

Individual consumer bill payments and bulk enterprise automation for corporate recurring payments.

REST API · JSON

Fetch Bill

Pay Bill

Response

// Fetch outstanding bill

// POST /v2/bbps/fetch

fetch('https://api.zuelpay.com/v2/bbps/fetch', {

  method: 'POST',

  headers: { 'Authorization': 'Bearer zp_live_xxx' },

  body: JSON.stringify({

    biller_id: 'BESCOM001',

    customer_params: {

      service_number: '789012345678'

    }

  })

});

// Returns bill amount, due date, name

API Parameters

Pay Bill Request Schema

Parameter	Type	Status	Description
biller_id	string	Required	Unique biller ID from /v2/bbps/billers
amount	number	Required	Bill amount in INR
customer_params	object	Required	Consumer number, account ID or CA number
ref_id	string	Required	Your unique idempotent transaction reference
payment_mode	string	Optional	UPI / CARD / NETBANKING / WALLET / CASH
notify_url	string	Optional	Webhook URL for payment confirmation

Payment Flow

Get Biller List

Call /v2/bbps/billers to get all active billers with their customer parameter schemas.

Fetch Bill Amount

For supported billers, fetch the outstanding bill — shows consumer name, due date and amount.

Initiate Payment

Submit payment with biller ID, consumer number and amount. Routed through NPCI BBPS.

Instant Receipt

Real-time confirmation with biller transaction ID and digital receipt — shareable immediately.

Related Services

Pay Any Bill via BBPS API