POSTPay BBPS Bill

Process a bill payment or recharge for any BBPS-connected biller.

POST/customer/payment/bbps

The core money-debit API that executes a bill payment or prepaid recharge on the BBPS network. For operators where billFetchResponse = 1, the billfetchresponse token returned by the Fetch Bill API must be included.

Body parameters

Field	Type	Required	Description
`initiator_id`	string	required	Registered mobile number of the API user (see Platform Credentials).e.g. 9962981729
`user_code`	string	required	User code of the retailer/agent the service is run for.e.g. 20810200
`client_ref_id`	string	optional	Unique reference id per API call, generated by your system.e.g. REQ-20260101-001
`utility_acc_no`	string	required	Customer's account or consumer number with the biller.e.g. 1234567890
`confirmation_mobile_no`	string	required	Customer's mobile number for payment confirmation.e.g. 9999988888
`sender_name`	string	required	Customer's full name.e.g. Ramesh Kumar
`operator_id`	string	required	Biller identifier from the Get Operators response.e.g. 83
`amount`	string	required	Payment amount in rupees (e.g. '1350' for ₹1,350).e.g. 1350
`source_ip`	string	required	IP address of the agent or retailer making this request.e.g. 192.168.1.1
`latlong`	string	required	Agent's GPS coordinates as `latitude,longitude`. Mandatory for agent activation compliance.e.g. 28.6139,77.2090
`billfetchresponse`	string	optional	The opaque token returned by the Fetch Bill API. Required when the operator's `billFetchResponse = 1`.e.g. eyJhbGciOiJSUzI1NiJ9...
`dob`	string	optional	Date of birth of the policy holder in DD/MM/YYYY format. Required for LIC policy payments.e.g. 15/08/1985
`postalcode`	number	optional	6-digit PIN code of the customer. Required for MSEB electricity payments.e.g. 400001

initiator_idstringRequired

Registered mobile number of the API user (see Platform Credentials).

example: 9962981729

user_codestringRequired

User code of the retailer/agent the service is run for.

example: 20810200

client_ref_idstringoptional

Unique reference id per API call, generated by your system.

example: REQ-20260101-001

utility_acc_nostringRequired

Customer's account or consumer number with the biller.

example: 1234567890

confirmation_mobile_nostringRequired

Customer's mobile number for payment confirmation.

example: 9999988888

sender_namestringRequired

Customer's full name.

example: Ramesh Kumar

operator_idstringRequired

Biller identifier from the Get Operators response.

example: 83

amountstringRequired

Payment amount in rupees (e.g. '1350' for ₹1,350).

example: 1350

source_ipstringRequired

IP address of the agent or retailer making this request.

example: 192.168.1.1

latlongstringRequired

Agent's GPS coordinates as `latitude,longitude`. Mandatory for agent activation compliance.

example: 28.6139,77.2090

billfetchresponsestringoptional

The opaque token returned by the Fetch Bill API. Required when the operator's `billFetchResponse = 1`.

example: eyJhbGciOiJSUzI1NiJ9...

dobstringoptional

Date of birth of the policy holder in DD/MM/YYYY format. Required for LIC policy payments.

example: 15/08/1985

postalcodenumberoptional

6-digit PIN code of the customer. Required for MSEB electricity payments.

example: 400001

Headers

Field	Type	Required	Description
`developer_key`	string	required	Static API key issued to your account after KYC.
`secret-key`	string	required	Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).
`secret-key-timestamp`	string	required	Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.
`content-type`	string	required	application/jsone.g. application/json

developer_keystringRequired

Static API key issued to your account after KYC.

secret-keystringRequired

Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).

secret-key-timestampstringRequired

Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.

content-typestringRequired

application/json

example: application/json

Responses

statusnumber
Primary success indicator (0 = success).
messagestring
Human-readable response / error message.
response_status_idnumber
Granular status id; see the shared error-codes table.
response_type_idnumber
A unique id for every possible response shape (success or error) — useful for client logic branching and analytics.
tx_statusstring
Transaction state: 0=Success, 1=Fail, 2=Awaited, 3=Refund Pending, 4=Refunded, 5=On Hold.
txstatus_descstring
Human-readable transaction status.
dataobject
API-specific response payload.
- tidstring
  Eko's unique transaction identifier. Use this for status enquiry and dispute resolution.
- operator_ref_idstring
  Reference number issued by the biller / BBPS network confirming receipt of payment.
- amountstring
  Amount debited for this transaction.
- balancestring
  Remaining wallet balance of the agent after this transaction.
- utility_acc_nostring
  Consumer/account number against which the payment was made.
- client_ref_idstring
  Your reference ID echoed back.