TranslateEvery bill your customer pays, inside your own app.
A single integration for electricity, water, gas, DTH, broadband and mobile recharges through the Bharat BillPay network with instant confirmation.
- Integration to maintain
- One
- Billers across categories
- Thousands
- Confirmation with receipt
- Instant
- Managed network (BBPS)
- NPCI
Where the money actually goes.
Not a sign-up checklist — the real path one transaction takes, and which part of it is ours to run.
KreedX Utility Bill Payments is a BBPS-enabled bill payment platform for businesses in India. Through a single integration with the Bharat Bill Payment System (BBPS), your customers or retail agents can pay electricity, water, gas, DTH, broadband, postpaid mobile and municipal bills from one screen — with instant confirmation and a standard receipt for every transaction.
- Step 01
Fetch and validate
Your application calls our bill payment API to pull the biller list and validate the customer account number before anything is charged.
- Step 02
Get the live bill
The current bill amount comes back from the biller through the BBPS network, so the customer always pays the exact outstanding amount.
- Step 03
Submit the payment
We handle BBPS routing, biller connectivity and settlement reporting behind the scenes, so your team never has to integrate with individual billers one by one.
- Step 04
Confirm and reconcile
Every transaction carries a unique reference ID, the customer gets a standard receipt, and failed or pending payments are reconciled automatically.
What you get with the integration.
Every line here is something that exists today, not a roadmap item.
- Electricity, water & gas
- DTH & broadband recharges
- Mobile & postpaid bills
- BBPS-compliant workflow
Teams who ask for this first.
Each one is buying the same rails for a different reason.
What is live on day one, and what needs paperwork.
Most product pages only show the fast half. Here is both, so your launch date is built on the real one.
Live on day oneSame day
- Sandbox credentials and full API documentation, up front
- The complete biller list, queryable from the first call
- Account validation before any amount is charged
- A named integration contact, not a ticket queue
Needs paperwork firstAllow time
- Production keys — issued once commercials and documentation are in place
- Compliance checks, which run in parallel with your build
- A go-live review of how your side handles failures and timeouts
The facts, without the prose.
The things a technical evaluator scrolls straight down to find.
| Network | Bharat Bill Payment System (BBPS) — NPCI-managed, interoperable |
|---|---|
| Categories | Electricity, water, piped & LPG gas, broadband and landline, postpaid mobile, DTH, insurance premiums, municipal taxes, loan repayments, FASTag |
| Integration | REST API · sandbox and production environments |
| Confirmation | Instant, with a standard BBPS receipt |
| Reconciliation | Unique reference ID per transaction; failed and pending payments reconciled automatically |
| Channels | Your own app or portal, and assisted retail counters |
| Support | Integration team through sandbox, testing and go-live |
Asked before every integration.
What is BBPS and why does it matter for my business?+–
BBPS (Bharat Bill Payment System) is an NPCI-managed interoperable platform for bill payments in India. Instead of signing up with every electricity board, gas company and DTH operator separately, one BBPS integration gives you access to thousands of billers across categories — with standardised complaint handling and receipts.
Which bill categories can I offer through KreedX?+–
Electricity, water, piped and LPG gas, broadband and landline, postpaid mobile and DTH recharges, insurance premiums, municipal taxes, loan repayments, FASTag recharge and more — all through the same bill payment API.
How long does BBPS integration take?+–
Once commercials and documentation are in place, most teams complete sandbox integration in a few days and move to production after testing. Our integration team supports you through the entire process.
What teams usually add next.
CMS
Streamline cash collection and reconciliation for NBFCs, lenders and enterprises with a nationwide retail collection network and real-time credit updates.
Card Bill Payment SuiteCredit Card Bill Payment
Enable customers and agents to pay credit card bills and process card-linked payments across all major issuers, with secure PCI-DSS compliant flows.
Build your ownBanking API
Production-grade APIs that let you embed banking, payments and verification directly into your product with sandbox, SDKs and detailed documentation.
See it running on your own use case.
A 30-minute call where we walk one live transaction end to end, against the flow you actually need.
