Bharat Bill Payment System

(BBPS)

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9-10-2024
Features
Bharat Bill Payment System (BBPS) is a Reserve Bank of India (RBI) conceptualized system which offers integrated, accessible and
interoperable bill payment services to consumers across geographies with certainty, reliability and safety of transactions.

Interoperable Complaint and Dispute Management

• No need to integrate with multiple consumer apps or • Standardized system to handle customer grievances.
payment gateways individually. • Streamlined mechanism to resolve disputes related to
• One integration provides access to entire consumer base transactions.

Accessible Brand Connect

Accept bill payments through any channel: Single and trusted brand connect:
o Digital o Created by RBI
o Physical cash.
o Driven by NPCI

Cost Effective Clearing and Settlement

Fewer integrations mean lower integration and transaction • Multiple clearing and guaranteed settlements between
processing costs. different parties.
• Standardized TAT.
Benefits

Worldline ePayments India Pvt Ltd is an

authorized BOU under the Bharat Bill Pay System

WEIPL as an authorized Biller operating Unit (BOU) enabled

1 billers for payment acceptance under the Bharat Bill Pay
Ecosystem.
PayU as an authorized Biller operating Unit (BOU) and a
Consumer operating unit (COU) enabled billers and consumer
platforms for payment acceptance under the Bharat Bill Pay
All our partners get access to an interoperable and accessible
2 Ecosystem Pay.
“Anytime Anywhere” bill payment service.
 WEIPL BBPOU Solution
One Stop Hassle-Free Solution For All Your Bills
Everyday bill payments made easy with single window for transaction. Enable BBPS with us for a robust, secured technology platform that effortlessly
handles over million+ transactions every year.

Why Us
❑ Among top 10 BOUs in handling transaction volume
A robust, secured technology platform that effortlessly handles than 380 million+ transactions every year

❑ Compliant Processing Platform

NPCI compliant transaction processing environment

❑ Robust Reconciliation & Settlement Capability

Automated reconciliation with NPCI to make settlements on time with full accuracy

❑ In Time - Multi Account Settlement

Capable of settling scheme wise funds in multiple bank accounts.

❑ Processing Platform with high standard of regulatory compliance

Transaction processing environment as per NPCI guidelines.

❑ Customized Invoicing & Reporting

Customized format for invoices and reports as per biller need.
Overview

Past Landscape
Earlier, each merchant had to integrate with multiple consumer applications and each consumer platform had to integrate with
hundreds of merchants.

Biller integrates with each Biller integrates with each

customer facing application payment processing outlet

Biller
Biller

Biller
Biller

Biller
Biller
Overview

BBPS Ecosystem

• One integration with BOU opens all consumer facing applications and outlets.
• All Payment Channels and Payment Modes Supported.

Digital Platforms Physical Outlets

~120M Monthly users ~200M Monthly users

Biller
Payment Options

Payment Channels

Payment Mode Cash | Credit Card | Debit Card | IMPS | Internet Banking | NEFT |
Prepaid Card | Wallet| UPI

Payment Options Full | Minimum | Excess | Part | Penalty | Multiple

Flow

Consumer to Biller Transaction

COU BOU
Customer Operating Unit Biller Operating Unit validates
validates fetch/payment fetch/payment request and calls
request and forwards request the biller system
to NPCI

Consumer App BBPCU Biller

Customer opens app and NPCI identifies relevant BOU for Biller validates fetch/payment
enters unique ID to initiate the fetch/payment call based call and returns appropriate
fetch + payment transaction on the biller being called and response along with required
passed the request details
Case Study
Bill Fetch journey on mobile app

Select “Pay Bills” Select Category Select Biller Enter required details Pay Bill
Benefits
Merchant Experience with BBPS

Get Onboard After Get Onboard After

development and testing, sign
Get Onboard development and testing, sign
Track Payment Status
off from NPCI is taken for off from NPCI is taken for
After development
taking andlive
the biller testing, sign off
on BBPS WEIPL
taking settles
the thelive
biller payment to the
on BBPS
from NPCI is taken to activate the biller.
biller on BBPS.

Get Onboard After development

Get Onboard After and testing, sign off from NPCI is
development
Reporting and&testing,
MIS sign takenRefund
for Mechanism
off from NPCI is taken for Refunds raised to BOU will get processed
All the
taking MIS reports
the arelive
biller shared
on with
BBPSthe
biller on T+1. via NPCI – COU – Agent - customerlie on
BBPS
Use cases
Use Cases for BBPS

Insurance Premiums Loans & EMIs Utility bill payments

Customers can renew their Fetch and pay EMIs on all the Electricity, Gas, Water
insurance policies. consumer facing apps. and telecom/broadband bills.

Government taxes Institution fees Subscriptions

Include municipal taxes, School or college fees, coaching fee Payment of online subscriptions for
water taxes, property taxes. etc. Television channels etc.
Payment Channels for Consumers

PHYSICAL TOUCH-POINT DIGITAL

•Connect with any of the nearest Bharat BilPay agent outlet or
bank branch or any Bharat BillPay service point •Login/Connect at any Bank/non-bank application (e.g.
website-net banking/app/wallet) with the Bharat BillPay icon
•Mention the name and the type of the biller e.g. Electricity or B icon under BillPay or Bill Payments tab
biller, post-paid biller for which the bill is to be paid
•Consumer can select the category e.g. Electricity biller, post-
•Basis on input parameters, the agent/ concerned person will paid biller and the biller for which the bill is to be paid.
check your details
•Basis on input of key parameters, Consumer will get his bill
•Verify and re-check the amount to be paid and consumer can details
pay through cash/card etc. whichever is accepted at the
particular agent outlet/branch/Aadhar Payments etc. •Consumer to Verify and re-check the amount to be paid and
consumer can pay through net-banking/wallet/UPI/ card etc.
•The agent outlet/branch initiates the final payment for the whichever option is accepted at the particular site/app.
bill.
•The consumer gets an instant confirmation on the screen
•The consumer gets an instant confirmation of the bill paid mobile/web with Be-assured logo and SMS is sent to the
through a physical bill receipt with Be-assured mark& SMS is consumer’s mobile number for the successful transaction.
sent to the consumer’s mobile number for the successful
transaction.

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9-10-2024
Biller Onboarding – Primary Requirements
From ONBOARDING perspective following is expected from billers

1. Consent Letter – Written consent in the standard NPCI format for BBPS onboarding
2. Biller / Merchant Application form
3. KYC Documents.
4. Average ticket size
5. Average transaction - Number of transactions expected through BBPS channel

From Technical perspective following is expected from billers

1. Bill fetch API – This is for fetching dues, bills, consumer information etc
2. Payment API – This is for marking payment status at biller side
3. Error Codes and Exception Handing – Response error codes and error handling mechanism
4. Sample consumer credentials for testing

From OPERATION perspective following is expected from billers

1. Bank account details – This is for fund settlement

2. Communication details – SPOC Contact for WEIPL, Standard working days and holidays, Alert mechanism
3. Settlement type - Multi account / Single account

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Thank you

Change via Insert, Header & Footer. Author | Unit | Sub-unit | Team | Confidentiality | © Worldline
9-10-2024