Real-Time Bill Fetch
Retrieve outstanding bill amounts, customer names, and due dates dynamically from the utility provider's database.
Secure BBPS Billing Gateway
Process utilities via Bill Payment API
Connect your platforms to India's BBPS billing network. Fetch real-time consumer utility details, process instant secure bill payments, and automate digital receipt deliveries.
Bill API Gateway
● Online (v1.2)POST /api/v1/bills/fetch HTTP/1.1
Host: console.devsecit.com
Authorization: Bearer DSI_BILL_...
Content-Type: application/json
// Request Payload
{
"biller_id": "CESC000000KOL01",
"customer_param": "987410298"
}
Real-Time Bill Fetch
PCI-DSS Compliant Gateway
1. Platform Overview & Business Architecture
The Bill Payment API provides a secure gateway to utility billers and payment networks, including the Bharat Bill Payment System (BBPS) in India. Managing individual API integrations for hundreds of utility boards (electricity, gas, water, DTH, broadband, mobile postpaid) is an enormous development bottleneck. This API solves this by offering a unified abstraction layer.
Using our API, developers can fetch customer bills in real time by passing parameters (such as consumer numbers); execute secure payments using multiple payment methods (UPI, cards, net banking); check transaction statuses; and generate digital receipts.
Security and reliability are critical for financial platforms. Our gateway is PCI-DSS compliant and uses TLS 1.3 encryption to protect user identities and transaction details in compliance with banking regulations.
Capabilities
2. Bill Payment Features
BBPS Compliant Route
Process utility payments through certified BBPS routes, ensuring instant settlement and dispute resolution support.
Instant Receipts
Automatically generate electronic payment receipts containing transaction references and BBPS approval codes.
Auto-Alert Notifications
Trigger automated payment confirmations and reminders via SMS, email, and WhatsApp notifications.
HTTP Request (POST)Fetch bill details
POST https://console.devsecit.com/api/v1/bills/fetch
Header "Authorization: Bearer YOUR_BILL_API_KEY"
Header "Content-Type: application/json"
Request Payload (Body JSON)Body
{
"biller_id": "CESC000000KOL01",
"customer_params": [
{
"name": "Consumer Number",
"value": "987410298"
}
]
}Successful Response Payload200 OK
{
"status": "success",
"biller_id": "CESC000000KOL01",
"bill_details": {
"customer_name": "Ravi Sen",
"amount": 2450.00,
"due_date": "2026-08-25",
"bill_number": "CESC-AUG-9821",
"fetch_reference_id": "ref_98471abc092"
}
}Execute Bill Payment Request (POST)Pay bill
POST https://console.devsecit.com/api/v1/bills/pay
Header "Authorization: Bearer YOUR_BILL_API_KEY"
// Body JSON
{
"fetch_reference_id": "ref_98471abc092",
"amount_paid": 2450.00,
"payment_mode": "wallet",
"transaction_id": "txn_89271ac092"
}Successful Response Payload200 OK
{
"payment_status": "success",
"bbps_reference_id": "BP9847102983192",
"transaction_date": "2026-08-19T06:25:40Z",
"receipt_url": "https://receipts.devsecit.com/BP9847102983192.pdf"
}API reference
3. API Reference & Technical Endpoints
The API operates over secure HTTPS. Below are the request and response configurations for fetching and paying utility bills.
Settlement
4. BBPS Network Settlement Flow
Understanding the transaction flow and settlements within the BBPS ecosystem is important. How it works:
Validation Phase:
The consumer query goes through BBPS central nodes to retrieve the bill from the provider's billing system.
Debit & Lock:
Funds are locked in the client's wallet or payment route.
Telecom Settlement:
The payment confirmation is sent to the provider, updating the consumer account status, and settling the transaction through RBI-approved routes.
Security
5. Security, PCI Compliance & Transaction Safeties
Processing financial utility payments requires maintaining strict security standards:
PCI-DSS Compliant Gateway:
Our card vaulting and tokenization systems comply with PCI-DSS guidelines.
Double-Spend Prevention:
Our database uses transaction locks to prevent double-spending or duplicate debit attempts.
Encrypted API Tunnels:
All data is transmitted over secure TLS 1.3 channels. Client credentials and transaction payloads are encrypted.
Real-time Audit Logs:
Access logs record all query, fetch, and checkout events for security compliance.
Use cases
6. Enterprise Use Cases
Where teams deploy the Bill Payment API:
Digital Banking & FinTech Apps
Integrate real-time bill payments (electricity, broadband, DTH) directly into consumer banking applications.
Retail Payment Kiosks
Power brick-and-mortar payment kiosks, allowing agents to fetch and collect payments for walk-in customers.
Corporate Utility Auditing
Automate utility payments across all company offices, tracking monthly consumption through our dashboard.
API Documentation
Bill Payment API
- < 75ms
- Over 20,000+ national billers
- PCI-DSS, BBPS Compliant Route
- console.devsecit.com
Fetch and pay endpoints run over secure HTTPS.
Electricity, water, gas, broadband, landline postpaid, mobile postpaid, DTH, fastag recharges, insurance premiums.
Transaction locks prevent double-spend; failed payments auto-refund the developer wallet.
Sandbox rate limit for bill fetches: 60 calls/minute.
Troubleshooting
7. FAQ & Troubleshooting Guide
What utility bill categories are supported?
We support electricity, water, gas, broadband, landline postpaid, mobile postpaid, DTH, fastag recharges, and insurance premiums.
What is the settlement timeframe for utility bills?
Most utility payments update instantly. Some billers can take up to 24-48 hours to reflect the payment on their portal.
How do we handle failed transactions?
If a transaction fails at the biller's end, the locked funds are automatically refunded to your developer wallet balance.
What is the rate limit for bill fetches?
Sandbox environments support up to 60 calls/minute, while production environments scale to support high-volume query traffic.
Get started
Deploy Utility Payment Gateways
Get your developer credentials, configure biller categories, and integrate secure utility payment checkouts today.