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BESPOKE BANKING

Secure and Instant Bill Payments

Introducing our BBPS (Bharat Bill Payment System) product, simplifying bill payments for utilities, telecom, DTH, and more. With secure and efficient processing, you can conveniently pay bills online anytime, anywhere. Experience hassle-free transactions, real-time status updates, and comprehensive payment history—all from one unified platform designed for your convenience.

Take Control with Integrated BBPS

Billers Operating Units

There are several billers within BBPS, which are companies that seek repeat payments and they are on-boarded by the Biller Operating Units (BOUs).

Customer Operating Units

The BBPS also provides its customers with a range of payment apps/websites that are on-boarded directly by Customer Operating Units (COUs).

BBPS MASTERS

Simplify Bill Payments Across Platforms

Businesses that need to make recurring payments on a regular basis. A simple and cost-effective integration of BBPS allows any business that offers monthly or annual services to accept payments through BBPS.

Platforms that are user-friendly for the payment of bills. The BBPS can be used by any platform to generate revenue by offering bill payment services to their users - whether through apps, websites or offline centers.

Paying businesses is something that people want to be able to do easily. To pay their bills easily and regularly, customers can choose any popular BBPS-enabled app, website, or offline point to pay their bills.

Empowering Your Financial Network

We offer both BOU and COU integrations for billers and agent institutions.

  • Easy Onboarding

    When you get guidance on regulatory compliance, you will not have to wait weeks to get up and running, but in a matter of days.

  • No-Fuss Integrations

    Use no-code biller integration, or embed custom, theme-able screens for embedding bill payments as an agent in your website.

  • Grow Your Business

    With one integration, you can collect payments online or offline. By embedding bill payments, you can increase user retention and revenue.

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A revolutionary
approach to BBPS

Explore the Answers: Your Gateway to Understanding BBPS Convenience and Simplicity.

Bharat Bill Payment System is an ecosystem where different categories of billers can register for bill payments such as utility bills, loan EMIs, school fees, subscriptions, and more. NPCI runs BBPS that enables bill payments via digital channels (banks) and through agents & banks

The BBPS payments system is maintained by the National Payments Corporation of India. BBPS clears and settles transactions routed through it. All market participants are also required to follow NPCI business standards, rules, and procedures. BOUs are entities that can onboard billers onto BBPS, and are regulated by this body.

BBPS services are offered by BOUs (Biller Operating Units) and COUs (Customer Operating Units). Zrika integrates with BOUs and COUs. A BOU serves billers, i.e. entities that generate bills and want to collect payments. Zrika's BOU integration allows billers to list on BBPS to enable collection via BBPS apps. Customer-facing platforms offer various products to customers. Zrika’s COU integration helps such platforms become a collection agent for BBPS and add a feature to let their users pay any BBPS biller.

Zrika provides simplified integration and compliance between BOU/COU banks and other businesses (billers or customer-facing platforms). Additionally, we provide bill payment services such as data reports, notifications, and settlements.