Frequently Asked Questions
Straight answers to what partners ask us most often. If yours is not here, send it across — we will answer it and add it.
A COU is a Bharat Connect participant authorised to serve the customer side of a bill payment. It onboards Agent Institutions, agents and digital channels, fetches bills from any biller on the network and processes the payment through the central switch.
Registered entities — private limited companies, LLPs, partnership firms, co-operative banks, NBFCs and fintech platforms — with valid incorporation documents, GST registration and a clean compliance record.
Documentation and due diligence typically take 5–7 working days. Sandbox certification depends on your development timeline; most partners go live within 2–4 weeks end to end.
REST APIs with webhook callbacks for platforms building their own experience, plus a ready-to-use web console for partners who prefer not to build anything.
Settlement follows the Bharat Connect settlement cycle operated by the Central Unit. Partners receive daily settlement files and reconciliation reports through the partner console.
Every transaction carries a Bharat Connect reference number. Complaints can be raised through your channel or directly with us, and are tracked through the network dispute management workflow within defined turnaround times.
No. Agent Institutions operate under the licence of a Customer Operating Unit. You sign a participation agreement with us and operate within the network rules through our platform.
Commercials are slab-based, so higher volumes earn better rates. We discuss expected volumes during onboarding to set the right slab, but the model is designed to work for growing networks as well as large ones.
Yes, within the branding and receipt-format rules published by the network. Bharat Connect elements such as the reference number and the network mark must appear as specified on every receipt.
Commission is credited to your institution account and split to agents according to the structure you configure. You control the split and can change it for different agent tiers.
A defined support path: your agents raise issues with you, your operations team raises them with our support desk, and unresolved matters escalate to our Nodal Officer and then to the network dispute desk within published turnaround times.
Still have a question?
Write to us with your business type and what you are trying to build. We answer partner queries on working days.
- business@prebaird.com
- +91 81166 13429
- Mon – Sat, 10:00 AM – 7:00 PM IST