BillPay
Enabling Biller Ecosystems to Modernize Payment Management
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UPI 
Global RTP Adapters 
CBDC 
Banking Connect (IB/MB) 
Merchant & TPAP Quick Overview
An Integrated Approach to Simplify Bill Payment Journeys
In 2024, NPCI rebranded BBPS to Bharat Connect to reflect its evolution into a broader, more integrated, and accessible ecosystem for all types of payments. It remains the underlying, RBI-conceptualized, interoperable bill payment infrastructure. Mindgate comprehensive bill payment platform fully enables Bharat Connect (BBPS) with centralized/bank-led models, biller onboarding, multi-channel payments, and seamless reconciliation/settlement.
Product Highlights
Empowering Every Participant in the BillPay Ecosystem
Bank and non-bank Consumer Operating Units | AD1 banks authorized to offer Foreign Exchange
Bharat Connect- Retail
Simplified bill payments for consumers across utilities, services, and recurring categories
Bharat Connect- Corporate (B2B Payments)
A platform enabling businesses to register and manage counterparty invoicing, payments, and financing.
Forex Retail
Retail bill and payment experiences extended to foreign exchange and cross-border scenarios
Standalone Offerings
Bharat Connect Biller Operating Unit (BOU) platform
Bharat Connect Customer Operating Unit (COU) platform
Biller integration support for non-standard billers
Supports both Bharat Connect and Direct biller engagement
Key Feataures
Seamless, Modern Bill Payment Experience for Institutions and End Users
Integrated transaction routing engine
Multi-channel payment support
Biller onboarding, customer registration, and lifecycle management
Online and offline biller handling and invoice management
End-to-end reconciliation and settlement
Dispute, complaint, and exception management
Analytics, MIS & reporting
Mobile SDK
Dedicated Forex features
KNOWLEDGE HUB
Insights & Stories
Bharat Connect: How Billers Benefit From It?
India settles over 85 lakh bill payments every day through a single network. A network that can handle everything from electricity bills in rural Maharashtra to SaaS subscription renewals for enterprise software companies.
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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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