KreedX — Banking API and Payments Platformby DigiPulse Solutions
Developer Docs
BBPSBill Payments API

Bill payment flow

A bill payment is five calls, in this order. The first three happen before any money moves; the last is only needed when a webhook has not arrived.

Sample reference
The order of calls is how the integration works. Exact paths and fields are confirmed with your sandbox credentials.

  1. 01
    GET

    Biller catalogue

    /v1/bbps/billers

    Show the customer the billers they can pay, and which fields each one needs.

  2. 02
    POST

    Validate customer

    /v1/bbps/customers/validate

    Check the consumer number before any money is involved.

  3. 03
    POST

    Fetch bill

    /v1/bbps/bills/fetch

    Get the live amount due. Skip this if the biller's fetchSupported is false.

  4. 04
    POST

    Submit payment

    /v1/bbps/payments

    Pay, with your own clientReference. Store the referenceId that comes back.

  5. 05
    GET

    Transaction status

    /v1/bbps/payments/{referenceId}

    If the payment came back PENDING and no webhook has arrived, ask for its status.

📘 Where webhooks fit

A payment can come back PENDING. Its final result arrives by webhook; the status call is the backstop. Webhooks & Transaction Status
Start with Biller catalogue Authentication