Utility Payment Services
Seamlessly integrate our BBPS-powered API and let your users pay electricity, gas, water, broadband bills, and more — right from your platform.
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Connect Your App
One-tap integration via Finigenie's BBPS APIs, directly into your website or app.
Offer Bill Payments to Users
Once integrated, your users can search, check bill details, and pay instantly across 300+ billers.
Track & Reconcile with Ease
Get real-time transaction updates, confirmations, and downloadable reports from a centralized dashboard.
What you can do
Bill Payments & BBPS
Benefits for your business
100+ Utility Categories
Electricity, DTH, Gas, Water, Broadband, FASTag, Insurance, Loan EMIs, and more — all BBPS compliant.
Direct Commission from BBPS
You earn every time your users pay — no delays, no waiting, no sharing.
White-Label Mobile App Available
Launch your own branded app for utility payments without any development effort.
Built-in Fraud Protection
All transactions are monitored and verified for authenticity with strict compliance protocols.
DSA (Direct Selling Agent) Model Supported
Onboard your own sub-agents and let them earn commission too.
24x7 Tech & Compliance Support
We handle all BBPS compliance, documentation, and onboarding, so you don't have to.
Real World Impact
How Different Industries Are Leveraging the Bill Payment API
Use Case
A digital payment app wanted to expand its features beyond UPI and mobile recharges. With Finigenie's BBPS API, they added 100+ utility categories to their app within days.
Impact
User engagement grew as customers started using the app for daily essentials like electricity and broadband bills. The startup now earns commission on every bill payment processed directly from BBPS.
Benefits
- Boost in daily active users and retention
- New revenue stream through BBPS commissions
- Live in as little as 7 days with full white-label mobile app
Bill Payments API Integration Specs
Compare direct custom banking integrations against Finigenie's unified multi-biller payment layer.
| Feature / Parameter | Direct Bank / Biller API | Finigenie Bill API |
|---|---|---|
| Biller Coverage | Requires 1-by-1 biller contracts | Single API connecting 300+ billers |
| Time to Production | 3 to 6 months per provider | Under 7 business days with pre-built SDKs |
| Failure Fallback | Manual error handling & retry | Automated multi-gateway retry routing |
| Settlement & Reconciliation | Disconnected offline MIS statements | Real-time webhook sync & ERP ledger updates |
Developer & Enterprise API Questions
Clear technical details on sandbox access, webhook guarantees, uptime SLAs, and regulatory compliance.
Got Questions?
Everything you need to know about Finigenie. Can't find the answer? Talk to our team.
Finigenie provides standard RESTful endpoints, SDKs (Node.js, Python, Java, PHP), and secure webhooks. Developers can authenticate via API keys, fetch active bills using consumer identifiers, and execute instant payments in under 50 lines of code.
Our API aggregates 300+ billers across electricity, water, municipal piped gas, postpaid telecom, broadband, DTH, FASTag toll wallets, loan repayments, and credit card bill payments with real-time bill fetching and validation.
Transactions clear via direct banking and BBPS rails with sub-second response times (<800ms) and an enterprise-grade 99.98% uptime SLA, supported by automated load balancing and intelligent failover routes.
Every transaction generates instant synchronous responses paired with cryptographically signed webhook notifications (HMAC-SHA256). Detailed transaction logs and downloadable reports are available in real time via dashboard and API.
Yes. Finigenie provides a sandbox environment with mock billers, simulated success/failure payment events, and automated test cards to facilitate end-to-end integration and QA testing prior to production rollout.
Calculate Your ROI
Make informed investment decisions with our advanced ROI calculator.
Calculate Your ROI
Make informed investment decisions with our advanced ROI calculator.