BBPS API for Utility Bill Payments in India
Integrate Eko’s BBPS API to let customers fetch bills, pay utility bills, and track transaction status across electricity, gas, water, DTH, broadband, FASTag, insurance, credit card, EMI, LPG, and loan repayment categories.
Key Features
Everything you need to integrate and scale
200+ Biller Categories
Access to extensive biller network covering electricity, gas, water, insurance, and more.
Instant Bill Fetch
Fetch outstanding bill amounts in real-time before payment processing.
Unified API
Single API integration for all biller categories - no separate integrations needed.
Transaction Tracking
Complete visibility into transaction status with detailed reporting.
Receipt Generation
Auto-generated receipts for every successful transaction.
Supported Types
Why Choose Eko?
Simplified Integration
Easy-to-read API documentation and 24x7 integration support for quick go-live.
Best Success Rate
Industry-leading success rates with smart retry mechanisms.
Earn Commission
Attractive commissions on all types of bill payments processed through your platform.
Extensive Biller Network
Access to 20,000+ billers across all major categories in India.
Real-time Confirmation
Instant payment confirmation with transaction reference numbers.
Customer Retention
Keep customers engaged with recurring bill payment reminders and services.
Primary Use Cases
How to Integrate
Get started in minutes with our simple integration process
- 1
Sign Up
Sign up in minutes with your mobile number (OTP verify).
- 2
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
- 3
Test APIs Live
Load funds into your wallet and test the verification APIs live — evaluate before you integrate.
- 4
Integrate with AI
Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
- 5
UAT Testing
Complete UAT testing with all biller categories.
- 6
Go Live
Launch with production credentials and start billing!
Frequently Asked Questions
Is BBPS API available 24/7?+
Yes, BBPS services are available 24/7. However, some billers may have specific operating hours for payment processing.
How do I get started?+
Sign up at ekostore.app/eps, verify your identity with your PAN and address details, load your wallet to test the verification APIs live, then integrate and go live.
What is EPS?+
EPS (Eko Platform Services) is the technology arm of Eko, providing the developer tools, AI tools, and APIs that power modern fintech integration.
What are the different ways to integrate with Eko EPS?+
Integrate in whichever way suits your stack: call the REST APIs directly, use our official SDKs (JavaScript and PHP) to skip request-signing boilerplate, or let an AI coding agent build the integration using our MCP server and skills. See the Developers and AI sections for each path.
How does API authentication work?+
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an HMAC-SHA256 signature of the current timestamp, keyed by your access key. The access key itself is never sent over the wire. You receive UAT keys on signup and production keys after KYC.
Is there a sandbox environment for testing?+
Yes. A full sandbox environment is available immediately on signup. You can test your integration end-to-end before going live — no commitment required.
What are the sandbox and production base URLs?+
Sandbox and production share the same paths and differ only by base URL: use https://staging.eko.in/ekoapi/v3 for UAT / Sandbox, and https://api.eko.in/ekoicici/v3 for Production. A common cause of failures is calling the sandbox/staging URL with live credentials (or vice-versa) — make sure the base URL matches the keys you are using.
Do I need to whitelist my server IP?+
Production API access may require your static public (server) IP to be whitelisted. If your calls work from Postman but fail or time out from your own server, share your static public IP with us so we can whitelist it.
What response times can I expect?+
Most verification APIs return in real time with sub-second responses, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How is API usage billed?+
Usage is billed per successful API call with no minimum commitment. Volume-based pricing tiers are available — contact our team for detailed rates.
Recommended Solution Packs
Pre-bundled API stacks that include BBPS API, designed for common industry workflows.
Get API Access
Sign up now and start integrating in minutes. Our team will help you go live quickly.
- Sandbox access in minutes
- Dedicated integration support
- Comprehensive documentation
- Reliable, high-volume workflows
Get API Access
Get started in 10 minutes