Setu BBPS COU
Embed and monetise bill payments
Rival popular UPI apps to let users pay their electricity bills, EMIs, and more. Earn money for successful payments. Add your branding to pre-built, BBPS-certified payment screens or design your own screens with our APIs.
BUSINESSES ALREADY MONETISING BILL PAYMENTS
Use cases
The quickest way for your users to pay their bills
Make money when customers make successful bill payments on your platform.
As a lender or NBFC
Boost credit line usage for bill payments
As an insurance provider
Increase customer retention by enabling bill payments
For domestic money transfer
Integrate bill payments for a share of revenue
As a neobank
Increase MAU with recurring bill payments
As any B2C app
Compete with popular UPI apps that provide bill payments
…and more use cases
Bill categories
Make recurring bill payments a breeze
List all BBPS bill categories on your app or website, allowing customers to pay their bills with ease.
Electricity
Pay monthly electricity bills from any state board or private distributor.
Water
Settle municipal and utility water bills without leaving your app.
LPG
Book and pay for LPG cylinder refills across all major providers.
Piped gas
Clear piped natural gas bills for every connected household.
Postpaid mobile
Pay postpaid mobile bills across all leading telecom operators.
Broadband
Cover monthly broadband and fixed-line internet bills.
…and many more
Ready to use screens
Specify your logo, colours and font preferences with ease.
INCLUDING
Complete payment flows
In-built UPI payment, or custom payment gateway
Notifications for BBPS updates
Integration options
Integrate the way you want
All features included with your preferred integration.
1-line integration on websites
Use custom branding and link to ready BBPS-certified screens with all bill payment features.
Embed web-views on any app
Set custom branding and use pre-hosted BBPS-certified screens for the entire bill payment process.
Build your own screens with our APIs
Integrate with our COU APIs to control customer-facing UI/UX.
Embed a full bill payment experience with ease
Fetch an actual bill and make a bill payment for yourself.
Integrate at lightning speed
Simply add a “Pay bills” button to your app or website.
Work with any screen size
Responsive and optimised screens for mobile, tablet or desktop.
Complete payment flows
In-built UPI or custom gateway
Notifications for BBPS updates
Setu BBPS COU
A complete bill payment experience for customers
One-stop solution
Customers can pay bills, track payments real-time, download receipts, and check transaction history.
In-built dispute management
Customers can report transaction issues to BBPS, receive updates when resolved, and view their dispute history.
Always up to date
Bill payments made instantly possible for newly added BBPS categories and billers.
Validated bill payment
Out-of-the-box support for validation of customer inputs or payment rules.
On BBPS BOU?
If yes, you can also accept payments to your own business. Send customers directly to the payment screen with all bill details.
Common questions
FAQs
What is BBPS?
Bharat Bill Payment System is a payment ecosystem on which different categories of billers can register on, with bill payments enabled for utility bills, loan EMIs, school fees, subscriptions and more. BBPS is run by NPCI that enables bill payments via digital (bank channels) as well as through a network of agents and bank branches.
What is NPCI?
National Payments Corporation of India maintains the BBPS payments system. It undertakes clearing and settlement activities for transactions routed through BBPS. NPCI is also responsible for setting business standards, rules and procedures for technical and business requirements for all market participants. It is the regulatory body for BOUs, who are entities allowed to on-board billers onto BBPS.
What is COU?
COUs or Customer Operating Units are licensed entities (usually banks) who can offer BBPS services to other businesses. COUs enable customer-facing platforms—entities that serve end-users—to let users pay bills. Setu’s COU integration helps such platforms become a collection agent for BBPS and add a feature to let their users pay any BBPS listed business, including their own business.
What is an agent institution?
These are entities that can offer bill payments as a feature to their customers. They can do so via physical channels (like with business correspondents) or digitally (on apps or websites). Setu’s onboarding team takes care of the end-to-end process for the NPCI registration needed to operate as a BBPS agent.
What role does Setu play?
Setu acts as a bridge between BOU/COU banks and other businesses (billers or customer-facing platforms), offering simplified integration and compliance. We also offer additional services like data reports, notifications and settlements for any bill payments.