Solutions for Agent Institutions
Turn every outlet in your network into a bill payment counter — one integration, nationwide biller reach, and a commission on every transaction.
What an Agent Institution actually is
An Agent Institution (AI) is a registered business that a Customer Operating Unit onboards onto the Bharat Connect network. The AI does not need its own network licence — it operates under ours, and in turn enables its own retail agents, branches, franchisees or app users to accept bill payments.
That means a distributor with 4,000 kirana counters, a co-operative bank with 30 branches, or a fintech app with a million users can all offer the same regulated service — without signing a single contract with an electricity board.
What you get on day one
- Institution ID on the Bharat Connect network
- Access to all live billers across 25+ categories
- Multi-level agent hierarchy and onboarding tools
- Configurable commission and margin structure
- Prepaid wallet with top-up and limit controls
- Outlet-level MIS, settlement and dispute tracking
- REST APIs plus a ready web console
Bill payments are the cheapest footfall you will ever buy
Recurring footfall
A bill is paid every month. Every visit is a chance to sell what you already sell, at zero acquisition cost.
Commission on every txn
Transparent, slab-based commission credited to your wallet, with a clear split you configure for your agents.
Regulated credibility
Your counter issues a Bharat Connect receipt with a network reference number — not an informal acknowledgement.
One integration, all billers
New billers joining the network become available to your agents without any work on your side.
Control and visibility
Set limits per agent, freeze an outlet instantly, and see transaction-level data in near real time.
Support that escalates
A defined support path from agent to institution to us to the network dispute desk, with turnaround times.
What we will ask you for
Due diligence is not a formality — it is what keeps the network trustworthy. Keep these ready and onboarding moves quickly.
- Certificate of Incorporation / registration deed
- PAN and GST registration of the entity
- Cancelled cheque and bank account proof
- KYC of directors / partners / proprietor
- Address proof of the principal place of business
- Board resolution authorising the signatory
- Brief note on your agent network and expected volumes
Onboarding journey
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.
Ready to enable your agent network?
Share your business details and expected monthly volumes. Our partnerships team will come back with the right model, indicative commercials and a documentation checklist.