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Company Profile

Bharat Connect

NPCI Bharat BillPay Limited (NBBL) doing business as Bharat Connect, and formerly named Bharat Bill Payment System (BBPS) is an integrated bill payment system in India offering interoperable and accessible bill payment service to customers through a network of agents of registered members as Agent Institutions (AI), enabling multiple payment modes, and providing instant confirmation of payment.

Background
The Committee headed by RBI Executive Director G. Padmanabhan was set up in 2013 to study the feasibility of implementation of Giro based Payment Systems. It had estimated that over 30,800 million bills amounting to ₹6223 billion are generated each year in the top 20 cities in the country. The facility became active from 13 September 2022. On 20 September, RBI governor Shaktikanta Das officially launched Bharat BillPay Cross-Border Bill Payments at Global Fintech Fest 2022. At the Global Fintech Fest (GFF) 2024, Vivek Deep, executive director of the Reserve Bank of India (RBI), announced the rebranding of the Bharat Bill Payment System (BBPS) to Bharat Connect. Banking Connect Banking Connect is an interoperable payment system designed to transform online merchant payments by resolving long-standing issues such as fragmented integrations, non-standardized settlements, and inefficient dispute resolution. It enables a single, unified integration between banks and payment aggregators (PAs), eliminating the need for multiple point-to-point connections. The initiative was introduced at this year’s Global Fintech Fest, marking a major step toward simplifying and standardizing digital payment infrastructure. The pilot phase includes leading banks such as HDFC Bank, SBI, Federal Bank, AU Small Finance Bank, and ICICI Bank, along with payment gateways including SBI ePay, Pine Labs, and Razorpay. == See also ==
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