Electronic Bill Presentment & Payment (EBPP)
Electronic Bill Presentment & Payment is an important transaction for bank customers. With Bill Aggregators (or Bill Service Providers) now in the picture banks focus on the presentment & payment part of the bills. This involves banks to maintain the billers in the system and connecting with Bill Aggregators to fetch bills data. Online banking customers in turn have to register the billers they want to pay as a onetime activity. Once billers are added, customers can pay the billers whenever an online bill is presented. Billers who do not present an online bill too can be paid as also recharge for prepaid services like Internet, Telecom etc.
Manage Biller
Enables the user to view the billers he has added and make changes to them. These are the billers he has registered to receive e-bills (from those who present bills online) and pay them. User can also add new billers or remove any of the existing ones.
Inquiry:
Search available billers: Search available billers on the basis of biller category & location and get a the list of that match biller category & location.
View Registered Billers: Billers added/registered by user for online bill payment.
All registered billers:
Specific registered biller:
View details of registration: View details of registration like biller nick name etc for a registered biller.
Transact:
Add Biller: User adds/registers a new biller for online bill payment.
Modify/Edit Biller: User makes changes/updates to current biller registration.
Delete Biller: User deletes a biller from his list of billers. Post this deletion user will not see the deleted biller in his list of registered billers.
View & Pay Bills
These APIs enable users to view bills presented by his registered billers and pay them. Please note there are also billers who present an offline bill but accept online bill payment – called Payment type billers. These billers too can be paid using these APIs.
Inquiry:
View Bills: User can view the bills presented by his registered billers.
View detailed bill: User can view the detailed bill presented by a registered biller.
Bill payment history: Search & View the bill payment transactions done.
Bill payment details: Search & View the details of a specific bill payment transactions.
Transact:
Initiate Bill Payment: User can initiate bill payment against a specific biller.
Payment Status update: To update the status of a bill payment transaction based on bill aggregator provided status update.
Pre-paid Recharge
User can view pre-paid recharge pans/products available from a biller and pay for the same. The payment part of the recharge will be similar to a bill payment.
Inquiry:
View plans: User can view select pre-paid plans made available by a recharge type biller.