One connection to every bill payment in India.
MERPAY & PREBAIRD PVT LTD operates on the Bharat Connect (BBPS) network as a Customer Operating Unit — enabling Agent Institutions, retail outlets, banks and digital platforms to fetch and pay bills across 25+ categories through a single, interoperable integration.
What a COU does for you
Built for every side of a bill payment
Whether you collect payments, distribute them through an agent network, or build the software in between — there is a participation model for you.
For Agent Institutions
Grow footfall and earn commission on every bill your customers pay.
Onboard as an Agent Institution under our COU licence and take live bill payment services to your entire agent network — with instant settlement visibility, real-time reports and a single integration.
Learn moreFor Billers
Get discovered by crores of customers on the Bharat Connect network.
We help utilities, financial institutions, housing societies and service providers list on Bharat Connect so collections move from cash counters to a nationwide interoperable digital rail.
Learn moreTechnology & APIs
Production-ready REST APIs, sandbox and developer support.
Plug bill payments straight into your app, core banking system or POS with documented REST APIs, webhooks, sandbox credentials and an engineering team that answers.
Learn moreHow Bharat Connect fits together
Bharat Connect (formerly BBPS) is India's interoperable bill payment rail. Four kinds of participants make a payment happen — and our licence puts us on the customer side.
More about our roleCentral Unit
NPCI Bharat BillPay Ltd. sets the standards, operates the central switch and governs settlement between all Operating Units.
Biller Operating Unit
Onboards billers onto the network and publishes their bill fetch and payment capability to every other participant.
Customer Operating Unit
Our role. We serve the customer side — enabling agents, apps and banks to fetch and pay any bill on the network.
Agent Institution
Businesses we onboard who in turn enable retail agent outlets, kirana stores, CSCs and their own digital channels.
Everything a payment needs to be trusted
Interoperability, security and reconciliation are not add-ons — they are the product.
Full Interoperability
One connection to the Bharat Connect network reaches every biller onboarded by any Biller Operating Unit across India.
Secure by Design
End-to-end encryption, PCI-DSS aligned controls, tokenised credentials and continuous fraud monitoring on every transaction.
Instant Confirmation
Customers receive a Bharat Connect transaction reference and instant confirmation the moment a payment succeeds.
All Payment Modes
Cash, UPI, debit and credit cards, net banking, prepaid instruments and agent wallet — collect the way your customer prefers.
Live Reports & Reconciliation
Dashboards, downloadable MIS, settlement files and automated reconciliation so books close on time, every day.
Structured Grievance Desk
A dedicated complaint workflow aligned to Bharat Connect dispute management rules with defined turnaround times.
25+ categories, one counter
From the state electricity board to a housing society maintenance bill — your customer pays it all in one place.
From enquiry to live in weeks, not quarters
A structured five-stage onboarding with a named point of contact at every step, so you always know what is pending and who is holding it.
- Named integration engineer during certification
- Sandbox credentials on day one of development
- Documented API reference and Postman collection
- Go-live checklist signed off jointly
Enquiry & Discovery
Share your business profile and expected volumes. Our team maps the right participation model for you.
KYC & Documentation
Submit incorporation, GST, PAN and beneficial ownership documents. We complete due diligence as per network rules.
Agreement & Onboarding
Sign the participation agreement, get your institution ID and access to the partner console.
Sandbox Integration
Certify your integration against our sandbox APIs with support from our engineering team.
Go Live & Scale
Move to production, activate your agents and start transacting with live monitoring and support.
Practical advantages, not slogans
Single integration, national reach
One set of APIs connects you to every biller live on the Bharat Connect network — no per-biller contracts.
Built for agent networks
Multi-level hierarchy, commission structures, wallet controls and outlet-level reporting out of the box.
Engineering that responds
Named integration engineer during onboarding and a technical escalation path after go-live.
Transparent commercials
Clear, published slab-based pricing with no hidden platform charges or surprise annual fees.
Ready to bring bill payments to your network?
Talk to our partnerships team about becoming an Agent Institution or listing your bills on the Bharat Connect network.