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BBPS API · Live in India

BBPS API — 20,000+ billers, one fetch-and-pay stack.

Collect electricity, gas, water, broadband, FASTag, insurance, loan EMI and credit-card bills from your app or agent network — standardised BBPS reference ids, real-time status and a sandbox you can test today.

Coverage20,000+

Billers across every major category. Fetch the outstanding, pay the exact amount, and get a BBPS reference back. Volume-based rate card on request.

  • ✓Go live in days — REST API, sandbox, Postman collection, full docs
  • ✓Fetch, then pay — lock the due amount so the customer is never overcharged
  • ✓Complaint & status APIs — raise a dispute and poll live status on the same stack
  • ✓NPCI BBPS, PCI DSS Level 1 infrastructure with 99.9% uptime
Forbes IndiaThe Economic TimesHindustan Times PCI DSS Level 1ISO 27001
FREE SANDBOX

Get API Access

Rate card + sandbox credentials — usually within a few hours.

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Retailer / Agent
Distributor
Fintech / BC network
Developer / Integrator
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Below ₹10 lakh
₹10 lakh – ₹1 crore
₹1 crore – ₹10 crore
Above ₹10 crore
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Request received

Our team will share the rate card and sandbox credentials with you shortly — usually within a few working hours.

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20,000+Registered billers
50M+Transactions processed
99.9%Uptime SLA
<1sBill fetch response

Who it's for

Built for how bills actually get paid

Same API whether you run one retail counter or an ERP that settles thousands of invoices.

🏪

Retail counters

Let walk-in customers pay electricity, water and gas without leaving the shop.

💳

Wallets & super-apps

Add a bill-pay tab next to recharge so users stay inside your app.

🏭

ERP & B2B platforms

Fetch and pay vendor or utility bills from the accounting screen, with a BBPS reference for recon.

🌐

BC networks

Give every agent the same biller catalogue and a shared status feed.

🚗

FASTag & mobility

Recharge FASTag and pay vehicle-related bills from the same endpoint.

📱

White-label super-apps

Ship BBPS next to recharge, DMT and payout under your own brand.

Why teams move to NXT

What usually slows teams down

✗ Separate vendors for electricity, FASTag and insurance

✗ Pay without a fetch — wrong amounts, failed bills

✗ No complaint path when a biller rejects the payment

✗ Status that never matches the BBPS reference

With NXT Banking

✓ 20,000+ billers on one API

✓ Fetch-then-pay so the amount is locked

✓ Complaint and status on the same stack

✓ Instant BBPS reference id on every success

Get API Access →

Developer first

One stack. Every bill category.

Pick a step and see the exact request and response your team will work with.

POST /v1/bbps/fetch

      
200 OK ~1.2s

      
⚡

Sandbox in minutes

Test credentials, Postman collection and sample payloads — before you sign anything.

🔔

Webhooks & status

Real-time callbacks for success or failure. Never poll blindly again.

🧾

BBPS reference id

Every successful payment returns a BBPS reference you can match to the invoice or agent.

API reference

Endpoints & bill flows

A small, predictable API surface — fetch the bill, pay it, and get a webhook when status changes.

Endpoint Purpose
POST /v1/bbps/fetchFetch outstanding amount and due date for a registered biller.
POST /v1/bbps/payPay the fetched amount and receive a BBPS reference id on success.
POST /v1/bbps/complaintRaise a complaint against a BBPS reference when a biller disputes the payment.
GET /v1/bbps/{id}Check live status — pending, success or failed.
Webhook: bbps.statusReal-time callback the moment a bill payment's status changes.
Electricity & waterState DISCOMs and municipal water boards.
Gas & broadbandPNG, LPG and last-mile internet bills.
FASTag & insuranceToll top-ups and premium payments.
EMI & credit cardsLoan EMIs and card dues on the same flow.

Your exact NXT BBPS rate depends on category and volume — request the rate card for precise numbers.

🚀 White-label platform

Or launch your own bill-pay business

Don't just use the API — sell it. Get a production-ready, fully branded BBPS and recharge platform with your domain, logo and colours. 48 live modules, multi-tier agent network and a built-in commission engine, ready in days.

🏷️ Your brand, end to endYour domain, logo and colours. Your customers never see us.
💰 Revenue from day oneBuilt-in commission engine, multi-tier agents, automated settlements.
🛡️ 12-layer securityOTP, device fingerprinting, AES-256, DDoS protection, full audit trails.
⏱️ Live in days, not yearsSkip ₹20–50 lakh of custom development and months of build time.
48 live modules580+ APIs in production 1,080 automated tests24/7 expert support
Talk to Us →

Security & compliance

Bank-grade, by default

The same infrastructure standards our banking and enterprise clients demand.

PCI DSS Level 1Payment card certified
ISO 27001:2013Information security
NPCI BBPSInteroperable bill network
Data in IndiaFull localisation
AES-256Encrypted end to end
IP WhitelistingServer-level access control
Audit LogsTamper-proof trail
2FA & RBACGranular permissions

Questions

Before you integrate

What billers can I pay through this API?

Electricity, gas, water, broadband, landline, FASTag, insurance, loan EMI, credit cards and other registered BBPS categories — 20,000+ billers on one integration.

How long does integration take?

Most teams go live within a few days. You get REST APIs, a sandbox, a Postman collection and full documentation, plus a technical contact during integration.

How is BBPS different from a recharge API?

BBPS covers regulated bill categories with a standardised fetch-then-pay flow and a BBPS reference id. Recharge APIs focus on prepaid top-ups. Many businesses run both.

Do you support bill fetch before pay?

Yes. Fetch returns the outstanding amount and due date; pay uses that amount so the customer is not over- or under-charged. Status and complaint APIs sit on the same stack.

Who should integrate a BBPS API?

Fintechs, BC networks, wallets, ERP platforms and enterprises that want bill payments at scale with standardised status and reconciliation.

Do you provide a sandbox before onboarding?

Yes. You can test fetch, pay, status and webhook delivery in sandbox before completing commercial onboarding.

Is my data safe?

We run PCI DSS Level 1 and ISO 27001 certified infrastructure with AES-256 encryption, IP whitelisting, 2FA, RBAC and tamper-proof audit logs. Data stays in India.

Can I use the BBPS API without the white-label platform?

Yes. The BBPS API works standalone for your own systems. The white-label platform is an optional add-on if you also want to launch your own branded bill-pay business on top of it.

Start collecting bill payments this week.

Get the rate card and sandbox credentials. No commitment, no credit card — just the numbers and the docs.

Get API Access →

Explore more

Complete the utility stack with these APIs

Most teams pair BBPS with recharge and payout — here's what usually runs alongside this API.

Get API Access 📞
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