Bharat Bill Payment System is a payment ecosystem on which different categories of billers can register on, with bill payments enabled for utility bills, loan EMIs, school fees, subscriptions and more.

BBPS is run by NPCI that enables bill payments via digital (bank channels) as well as through a network of agents & bank branches

National Payments Corporation of India maintains the BBPS payments system. It undertakes clearing and settlement activities for transactions routed through BBPS.

NPCI is also responsible for setting business standards, rules and procedures for technical and business requirements for all market participants. It is the regulatory body for BOUs, who are entities allowed to on-board billers onto BBPS.

COUs or Customer Operating Units are licensed entities (usually banks) who can offer BBPS services to other businesses. COUs enable customer-facing platforms—entities that serve end-users—to let users pay bills.

Setu’s COU integration helps such platforms become a collection agent for BBPS and add a feature to let their users pay any BBPS listed business, including their own business.

These are entities that can offer bill payments as a feature to their customers. They can do so via physical channels (like with business correspondents) or digitally (on apps or websites).

Setu’s onboarding team takes care of the end-to-end process for the NPCI registration needed to operate as a BBPS agent. Read more about the technical and compliance information here.

Setu acts as a bridge between BOU/COU banks and other businesses (billers or customer-facing platforms), offering simplified integration and compliance. We also offer additional services like data reports, notifications and settlements for any bill payments.