Banking Connect (IB/MB)
Powering Online Banking with Uniform Interoperable Journeys
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BillPay Quick Overview
Future-Ready, Mobile-First Payments
Interoperable net banking and mobile banking (often called Netbanking
2.0 or Banking Connect) is a unified digital payment system launched
by NPCI Bharat BillPay to standardize internet banking across India.
Mindgate’s Banking Connect gateway enables issuing and acquiring
banks/ payment aggregators to integrate with the NBBL central switch to
support online merchant payments through interoperable net banking,
without integration complexities and overcome settlement risks by leveraging
a standardized API framework.
Product highlights
A Structured System for Frictionless Online Payments
Issuer Gateway
Manages API integration between NBBL’s (CU) central switch and the Issuer Bank system.
Acquirer Gateway
Manages API integration between Acquiring bank/ Payment Aggregator (PA) and NBBL’s (CU) central switch.
Backoffice (Admin Portal)
UAM (User and Role Management). Merchant Onboarding. Reconciliation. Payout (Settlement). Transaction Status Check. MIS and Reports
SDK for Issuer Bank Mobile Banking app
Key Features
Built for Diverse IB/MB Experiences
Desktop Web + QR
Customers initiate purchases on web browsers and scan the net-banking QR using the mobile banking app
Mobile Web + Intent
Customers initiate purchases on mobile web and are redirected to the selected bank’s mobile app
Mobile Intent
Customers initiate purchases on merchant apps and complete the transaction in the bank’s mobile app
Mobile + QR Code
Customers scan the net-banking QR using another mobile device with the banking app
KNOWLEDGE HUB
Insights & Stories
Banking Connect: The End of a Broken Model, and the Infrastructure Bet Every Bank CTO Needs to Make Now
Historically, internet banking operations in India relied on a complex network of fragmented bilateral integrations.
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