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.

National Payments Corporation of India (NPCI) functions as the authorized Bharat Bill Payment Central Unit (BBPCU), which will be responsible for setting business standards, rules and procedures for technical and business requirements for all the participants and requirement. NPCI, as the BBPCU, will also undertake clearing and settlement activities related to transactions routed through Bharat Connect. Existing bill aggregators and banks are envisaged to work as Operating Units to provide an interoperable bill payment system, irrespective of which unit has on-boarded a particular biller. Payments may be made through the Bharat Connect using cash, transfer cheques, and electronic modes. Bharat Connect has also been integrated with the Unified Payments Interface (UPI) for instant payments through UPI enabled smartphones.