BHARAT CONNECT (BBPS)

The infrastructure powering India’s bill payments ecosystem

One BBPS platform for banks, billers, COUs and Agent Institutions — built to launch faster, scale reliably and simplify the complexity of bill payments.

#1 BEST-PERFORMING TSP · CERTIFIED EMPANELLED TSP BY NBBL

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TRUSTED ACROSS THE BHARAT CONNECT NETWORK

PROVEN AT SCALE

What runs on Setu Bharat Connect

99.99%

OU Uptime

900 RPS

BOU/COU Stack

21,000+

Billers Onboarded

₹19,000 Cr

Monthly GTV

FOUR WAYS TO PARTICIPATE

One platform. Four ways to participate.

Whether you are building the infrastructure behind BBPS, collecting payments, enabling bill payments for your customers, or expanding your distribution network — Setu Bharat Connect gives you the infrastructure to do it without stitching together multiple payment rails.

Soft green mountain ridge fading into a pale sky

BOU

Become a BOU that leads the category — not one that catches up to it.

Run your BBPS operations on resilient infrastructure that takes care of biller onboarding, certification, operations, reconciliation and the latest BBPS requirements.

Launch new biller categories before the market moves
Onboard billers in weeks with automated certification
Automate biller KYC approvals
Simplify pricing and instant reconciliation settlements
Operate from one dashboard for everything

Become a BOU with Setu Bharat Connect

BOU

Become a BOU that leads the category — not one that catches up to it.

Run your BBPS operations on resilient infrastructure that takes care of biller onboarding, certification, operations, reconciliation and the latest BBPS requirements.

Launch new biller categories before the market moves
Onboard billers in weeks with automated certification
Automate biller KYC approvals
Simplify pricing and instant reconciliation settlements
Operate from one dashboard for everything

Become a BOU with Setu Bharat Connect

Soft green mountain ridge fading into a pale sky, vertical crop

BOU

Become a BOU that leads the category — not one that catches up to it.

Run your BBPS operations on resilient infrastructure that takes care of biller onboarding, certification, operations, reconciliation and the latest BBPS requirements.

Launch new biller categories before the market moves
Onboard billers in weeks with automated certification
Automate biller KYC approvals
Simplify pricing and instant reconciliation settlements
Operate from one dashboard for everything

Become a BOU with Setu Bharat Connect

BILLER

Collect recurring payments, wherever your customers are.

Get your bills in front of customers across the BBPS network while simplifying onboarding, payment collection, settlement and reconciliation.

Reach customers everywhere with 400+ UPI and bank apps
One integration, widest reach
Go live in weeks with dedicated support
Get paid and reconcile faster
Collect beyond the app via direct payment links

BILLER

Collect recurring payments, wherever your customers are.

Get your bills in front of customers across the BBPS network while simplifying onboarding, payment collection, settlement and reconciliation.

Reach customers everywhere with 400+ UPI and bank apps
One integration, widest reach
Go live in weeks with dedicated support
Get paid and reconcile faster
Collect beyond the app via direct payment links

BILLER

Collect recurring payments, wherever your customers are.

Get your bills in front of customers across the BBPS network while simplifying onboarding, payment collection, settlement and reconciliation.

Reach customers everywhere with 400+ UPI and bank apps
One integration, widest reach
Go live in weeks with dedicated support
Get paid and reconcile faster
Collect beyond the app via direct payment links

COU

Build a COU that makes every bill payment feel native.

Give your customers access to BBPS bill payments inside the experiences they already use, backed by direct NPCI connectivity, resilient infrastructure and operational support.

One integration, access to 21,000+ billers
Go live without the integration complexity
Built for payment-scale traffic
Stay updated with NPCI guidelines automatically
Real-time alerts and notifications

Become a COU with Setu Bharat Connect

COU

Build a COU that makes every bill payment feel native.

Give your customers access to BBPS bill payments inside the experiences they already use, backed by direct NPCI connectivity, resilient infrastructure and operational support.

One integration, access to 21,000+ billers
Go live without the integration complexity
Built for payment-scale traffic
Stay updated with NPCI guidelines automatically
Real-time alerts and notifications

Become a COU with Setu Bharat Connect

COU

Build a COU that makes every bill payment feel native.

Give your customers access to BBPS bill payments inside the experiences they already use, backed by direct NPCI connectivity, resilient infrastructure and operational support.

One integration, access to 21,000+ billers
Go live without the integration complexity
Built for payment-scale traffic
Stay updated with NPCI guidelines automatically
Real-time alerts and notifications

Become a COU with Setu Bharat Connect

AGENT INSTITUTION

Make bill payments a growth engine for your platform.

Bring every major bill category into your app, website or customer touchpoint — without building your own BBPS infrastructure.

20,000+ billers across every category, inside your own app
Build bill payments into your existing app or web journey
Stay updated with NPCI guidelines automatically
Resolve issues faster with native dispute management
Let Setu handle the end-to-end operations
Go live in weeks

AGENT INSTITUTION

Make bill payments a growth engine for your platform.

Bring every major bill category into your app, website or customer touchpoint — without building your own BBPS infrastructure.

20,000+ billers across every category, inside your own app
Build bill payments into your existing app or web journey
Stay updated with NPCI guidelines automatically
Resolve issues faster with native dispute management
Let Setu handle the end-to-end operations
Go live in weeks

AGENT INSTITUTION

Make bill payments a growth engine for your platform.

Bring every major bill category into your app, website or customer touchpoint — without building your own BBPS infrastructure.

20,000+ billers across every category, inside your own app
Build bill payments into your existing app or web journey
Stay updated with NPCI guidelines automatically
Resolve issues faster with native dispute management
Let Setu handle the end-to-end operations
Go live in weeks

CUSTOMER STORIES

Trusted by businesses building the next generation of bill payments

BHARAT CONNECT

Customers can repay through any favourite UPI app

“Integrating on BBPS through Setu was very smooth and their team was prompt in answering all our questions. The widespread reach of the BBPS network offers great convenience and functionality to an end customer. Now, they can pay us directly from any of their favourite UPI apps.”

Abhishek Pandey

Product Manager, ZestMoney

BHARAT CONNECT

Customers can repay through any favourite UPI app

“Integrating on BBPS through Setu was very smooth and their team was prompt in answering all our questions. The widespread reach of the BBPS network offers great convenience and functionality to an end customer. Now, they can pay us directly from any of their favourite UPI apps.”

Abhishek Pandey

Product Manager, ZestMoney

KEY FEATURES

Everything you need to run bill payments. Nothing you need to stitch together.

Direct NPCI connectivity

Fastest support and integration for new NPCI requirements.

Direct NPCI connectivity

Fastest support and integration for new NPCI requirements.

Built for scale

Support high-volume payment traffic with resilient infrastructure.

Built for scale

Support high-volume payment traffic with resilient infrastructure.

Faster onboarding

Low-code and no-code workflows designed to reduce integration and certification effort.

Faster onboarding

Low-code and no-code workflows designed to reduce integration and certification effort.

Real-time visibility

Dashboards, transaction monitoring, alerts and analytics across your BBPS operations.

Real-time visibility

Dashboards, transaction monitoring, alerts and analytics across your BBPS operations.

Automated lifecycle

Streamline settlement, reconciliation and dispute management across the payment lifecycle.

Automated lifecycle

Streamline settlement, reconciliation and dispute management across the payment lifecycle.

Built for what's next

Stay ahead of BBPS evolution with faster adoption of new categories, features and regulatory changes.

Built for what's next

Stay ahead of BBPS evolution with faster adoption of new categories, features and regulatory changes.

INTEGRATION

Build once. Launch faster.

Built for developers. Designed for speed.

API-first architecture

Every BBPS capability exposed as a clean, documented API.

API-first architecture

Every BBPS capability exposed as a clean, documented API.

Clear developer documentation

Quickstarts, references and go-live guides for every BBPS role.

Clear developer documentation

Quickstarts, references and go-live guides for every BBPS role.

Resilient API design

Predictable behaviour and graceful handling at payment scale.

Resilient API design

Predictable behaviour and graceful handling at payment scale.

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COMMON QUESTIONS

FAQs

What is a BBPS API and who can use it?

A BBPS API connects businesses to the Bharat Bill Payment System — banks, billers, and platforms use it to send or collect bill payments across a shared, NPCI-governed network.

How does a bill payment API in India simplify recurring collections?

A bill payment API lets a business collect recurring payments — EMIs, utility bills, subscriptions — across 400+ apps and offline channels through a single integration, rather than building each channel separately.

What does BBPS integration involve for a bank?

BBPS integration for a bank means becoming a BOU (Biller Operating Unit) or COU (Customer Operating Unit) — a process a TSP can significantly shorten versus building certification and connectivity in-house.

What is a BBPS TSP and why does choosing one matter?

A BBPS TSP (Technical Service Provider) is a certified intermediary that connects banks and billers to the BBPS network — the TSP's reliability and NPCI relationship directly affects onboarding speed and uptime.

How many billers can a business reach through a single BBPS API integration?

A single Setu BBPS API integration can connect a business to 20,000+ billers across categories like electricity, gas, insurance, and loans, without separate integrations per biller.

What is the difference between a BOU and COU in Bharat Connect BBPS?

A BOU (Biller Operating Unit) onboards billers onto the network; a COU (Customer Operating Unit) gives customers a channel to pay those bills — most banks operate one or both roles.

How fast can a business go live with a bill payment API in India?

With a certified TSP handling onboarding and certification, most businesses can go live within two weeks, compared to months of direct NPCI certification.

What compliance certifications should a BBPS TSP have?

Setu BBPS TSP is certified and empanelled by NBBL (the entity managing Bharat Connect), which confirms it meets NPCI's technical and operational standards.

Build on the infrastructure India's bill payments run on

From BOU to Biller, COU to Agent Institution — Setu Bharat Connect gives you the infrastructure, connectivity and operational capabilities to scale bill payments without scaling complexity.