Bharat Bill Payment System

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Bharat Bill Payment System
BBPS Logo.png
Operating areaIndia

Bharat Bill Payment System (BBPS) is an integrated bill payment system in India offering interoperable and accessible bill payment service to customers through a network of agents of registered member as Agent Institutions (AI),[1] enabling multiple payment modes, and providing instant confirmation of payment.[2]

National Payments Corporation of India (NPCI) functions as the authorised Bharat Bill Payment Central Unit (BBPCU), which will be responsible for setting business standards, rules and procedures for technical and business requirements for all the participants. NPCI, as the BBPCU, will also undertake clearing and settlement activities related to transactions routed through BBPS. Existing bill aggregators and banks are envisaged to work as Operating Units to provide an interoperable bill payment system irrespective of which unit has on-boarded a particular biller. Payments may be made through the BBPS using cash, transfer cheques, and electronic modes.[3]


The Committee headed by RBI Executive Director G. Padmanabhan was set up in 2013 to study the feasibility of implementation of Giro based Payment Systems. It had estimated that over 30,800 million bills amounting to Rs.6223 billion are generated each year in the top 20 cities in the country.[2]

It was felt that integrated bill payment system is required in the country that could offer interoperable and accessible bill payment services to customers through a network of agents, allow multiple payment modes, and provide instant confirmation of payment. This should also serve as an efficient, cost-effective alternative to the existing systems and enhance consumer confidence and experience.


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  2. ^ a b "Implementation of Bharat Bill Payment System (BBPS) - Guidelines". Reserve Bank of India. 28 November 2014. Retrieved 29 November 2014.
  3. ^ "NPCI - About Bharat Bill Payment System (BBPS)". National Payments Corporation of India. Archived from the original on 3 January 2017. Retrieved 2 January 2017.