Pay any bill on Bharat Connect
Fetch and pay electricity, gas, water, broadband, insurance, loan EMI and every other biller category live on Bharat Connect — with instant biller confirmation.
One network for every recurring bill
Bharat Connect — formerly the Bharat Bill Payment System (BBPS) — is the RBI-mandated, interoperable bill payment network operated by NPCI Bharat BillPay Limited. A bill paid through it is posted directly to the biller and confirmed with a unique transaction reference.
That reference is what makes Bharat Connect different from paying through an unknown agent: the customer can check the payment, and any dispute is handled through a standard complaint process.
Household and business bills, all in one place
Every biller live on Bharat Connect in these categories is available from your first day — the list grows as billers join the network.
Electricity
State electricity boards and private distribution companies.
Piped gas & LPG
City gas distributors and LPG cylinder booking.
Water
Municipal corporations and water supply boards.
Broadband & landline
Fibre, cable internet and landline operators.
Postpaid mobile
Postpaid bills for mobile network operators.
DTH & cable TV
Satellite and cable television subscriptions.
Insurance
Life, health and general insurance renewals.
Loan repayment
EMIs for banks, NBFCs and microfinance lenders.
Credit card
Card dues for issuing banks on the network.
Education fees
Schools, colleges and institutes registered as billers.
Municipal taxes
Property tax and civic charges.
FASTag
Recharge for bank-issued FASTags.
Housing society
Maintenance charges for registered societies.
Recurring deposits & subscriptions
Other recurring payments live on the network.
Four steps, seconds apart
Choose the biller
Pick the category and biller. The form asks for exactly the inputs that biller needs — consumer number, policy number, vehicle number and so on.
Fetch the bill
Where the biller supports it, the outstanding amount, customer name and due date are fetched so the customer can confirm them.
Pay
The amount is debited from your wallet and sent through the BBPOU to the biller over Bharat Connect.
Get the receipt
The biller’s confirmation returns with a Bharat Connect reference. Print it or share it with the customer.
Made for busy counters and busy apps
- Bill fetch and validation — confirm the customer and amount before money moves.
- Part, advance and exact payment — following each biller’s own rules.
- Cash, UPI and wallet payment modes recorded correctly for each transaction.
- Status and reconciliation — pending payments update automatically; failures reverse to your wallet.
- Customer SMS receipts with the Bharat Connect reference.
- Complaint registration and status tracking from the portal, app or API.
Pay-bill request fields
| Field | Type | Description | |
|---|---|---|---|
biller_id | string | Required | Biller ID from the biller directory |
params | object | Required | Customer inputs the biller asks for |
amount | number | Required | Amount in rupees |
ref_id | string | Required | Your unique reference — repeats are rejected |
fetch_ref | string | Optional | Reference of the earlier bill fetch |
payment_mode | string | Optional | CASH, UPI or WALLET |
customer_mobile | string | Optional | For the SMS receipt |
Summary only. The full reference is shared at onboarding — see the API overview.
If something goes wrong, there’s a process
Bharat Connect gives every customer a standard way to dispute a payment.
Raise it
Share the transaction reference, mobile number and the problem — for example, paid but not updated by the biller.
Get a complaint ID
We register the complaint on Bharat Connect and give you its complaint ID for follow-up.
Track to closure
The complaint is resolved within the timelines set by the network, and you are told the outcome.
Also on Dramepe
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UPI Collection
Top up your Dramepe wallet or collect from customers with dynamic UPI QR codes and intent links, reconciled automatically against your reference.
White-Label Portal
Run a bill payment and recharge portal under your own name — with admin, distributor and retailer panels, commission slabs and wallet management built in.