# Powering Utility Payments for Corporates & Partners


## <span style="color:#7b2cbf">What is BBPS Bill Payment?</span> 

**BBPS (Bharat Bill Payment System)** is an RBI-mandated centralized ecosystem managed by NPCI (National Payments Corporation of India).It offers interoperable, accessible bill payment services across categories like:

<Icon icon="material-outline-electrical_services"color="#7b2cbf"/> Electricity
<Icon icon="solar-bold-gas-station"color="#7b2cbf"/> Gas
<Icon icon="material-outline-water_drop"color="#7b2cbf"/> Water
<Icon icon="lucide-antenna"color="#7b2cbf"/> DTH
<Icon icon="ph-bold-phone-disconnect"color="#7b2cbf"/> Broadband / Landline
<Icon icon="ph-bold-device-mobile"color="#7b2cbf"/> Mobile Postpaid
<Icon icon="ph-bold-money-wavy"color="#7b2cbf"/> Municipal taxes
<Icon icon="remix-car-fill"color="#7b2cbf"/> FASTag recharge
<Icon icon="ph-bold-television"color="#7b2cbf"/> Subscription services

## <span style="color:#7b2cbf">Key features</span> 

- Standardized platform
- Instant confirmation (bill fetch + receipt)
- Safe, regulated, multi-channel (online, mobile, POS, agents)
- API-based bill fetch & pay across thousands of billers

## <span style="color:#7b2cbf">How does utility bill payment work?</span> 

<Steps>
  <Step title="Bill Fetch">
    Using parameters like customer account number, mobile number, consumer ID, or registration ID (depending on the biller), the bill is fetched in real-time via BBPS
  </Step>
  <Step title="Present Bill Details">
    Shows due amount, bill date, due date, late fees, etc
  </Step>
  <Step title="Customer Pays">
    Payment is made via preferred mode (UPI, card, netbanking, wallet, prepaid balance)
  </Step>
    <Step title="BBPS Processes & Routes">
    Settlement happens via NPCI to the biller’s bank. Instant payment receipt is generated
  </Step>
    <Step title="Reconciliation">
    Easy reconciliation via BBPS settlement reports and API callbacks.
  </Step>
</Steps>


## <span style="color:#7b2cbf">EnKash’s Value Proposition</span>

EnKash brings the power of BBPS (Bharat Bill Payment System) to the market through two robust offerings:

<Container>
## <Icon icon="ph-bold-number-circle-one"color="#7b2cbf"/>
EnKash BBPS for **corporate utility expense management**

Many businesses manage utilities across multiple offices, warehouses, or retail outlets. This often involves manual tracking, scattered vendor accounts, and limited visibility — leading to inefficiencies and compliance gaps.
    
    <span style="color:#7b2cbf">How EnKash transforms this?</span>

* Seamlessly pay utility bills (electricity, water, gas, broadband & more) directly from your EnKash wallets, accounts, or cards.
* Centralized dashboard to track and manage all utility expenses across branches.
* Automated scheduling & reminders to ensure on-time payments.
* Built-in GL coding and effortless integration with your ERP or accounting systems.

<span style="color:#7b2cbf">Benefits to corporates:</span>

* Get a **single consolidated view** of all utility payments across locations.
* Optimize cash flow by leveraging pre-funded accounts or credit lines.
* Automate recurring payments and eliminate manual errors.
* Simplify GST compliance with clean, unified invoicing.
</Container>


<Container>
  ## <Icon icon="ph-bold-number-circle-two"color="#7b2cbf"/>
    EnKash BBPS as a **platform solution for partners & resellers**

For fintechs, NBFCs, co-brand partners, and even e-commerce platforms, EnKash offers BBPS as a white-label utility payments infrastructure
    
<span style="color:#7b2cbf">How EnKash enables this?</span>

* Ready-to-integrate BBPS APIs & SDKs for a seamless bill payment experience within your platform.
* EnKash manages BBPS licensing, compliance, settlements, and reconciliation, so you can focus on customer engagement.
* Flexible commercial models to suit your business.
    
<span style="color:#7b2cbf">Benefits to the partner:</span>

* Launch bill payments quickly and cost-effectively.
* Boost customer engagement by adding daily-need use cases.
* Unlock new revenue streams via MDR or convenience fees.
* EnKash handles BBPOU onboarding, regulatory reporting, and settlements.

</Container>

## <span style="color:#7b2cbf">Why choose EnKash BBPS?</span>

- Streamline operations & cut manual bill management.
- Ensure timely payments, avoid penalties.
- Enhance financial visibility & audit trails.
- Offer new digital payment services to end-customers, driving loyalty & retention.