Viyona Fintech Receives NPCI Bharat BillPay Certification as a Biller Operating Unit (BOU)

Viyona Fintech India Private Limited, an NPCI-certified Technology Service Provider, today announced it has successfully completed certification as a Biller Operating Unit (BOU) under the Bharat Bill Payment System (BBPS), operated by NPCI Bharat BillPay Limited.
The certification clears Viyona to go live as a Biller Operating Unit, enabling billers across utilities, education, insurance, and financial services to collect payments through India’s Bharat BillPay network.

With this milestone, Viyona adds BBPS BOU to a growing portfolio of NPCI certifications spanning UPI Switch (Issuer and Acquirer), IMPS, Banking Connect, and eKYC Setu, reinforcing its position as a full-stack payments technology provider for banks, billers, and financial institutions across India.

“Bill payments are where digital inclusion becomes real for everyday Indians, and BBPS is the rail that makes it interoperable,” said Ravindranath Yarlagadda, Chairman and CEO, Viyona Fintech. “Our BOU certification lets us bring more billers, especially in underserved and regional segments, onto a single trusted network. As a technology provider, our role is to make that onboarding fast, compliant, and accessible to billers who have so far stayed outside the digital payments fold.”

As a certified Biller Operating Unit, Viyona is now equipped to onboard billers onto Bharat BillPay, offering a compliant, ready-to-integrate path to one of India’s largest interoperable bill payment networks. Onboarding for partner billers will begin in the coming weeks.

SBI NCMC Cardholders Can Now Recharge Cards Online Through the Bharat Bill Pay-enabled Apps

The National Payments Corporation of India (NPCI) has partnered with the State Bank of India (SBI) to introduce the National Common Mobility Card (NCMC) recharge as a new biller category on the Bharat BillPay platform. This collaboration aims to enhance the convenience for travelers by allowing them to recharge their NCMC cards online, thus avoiding long queues.

SBI NCMC cardholders can now recharge their cards online through the Bharat BillPay-enabled application, SBI Unipay, and other digital front-end platforms.

The process ensures a hassle-free experience for users, preventing long waits and providing an instant and secure option for topping up their wallets.

The service is already live for Noida Metro, Nagpur Metro, MMRDA Line 2A & 7, Chennai Metro, Kanpur Metro, and Parliament Canteen, with more platforms expected to go live soon.

Customers can top up their NCMC cards with amounts up to ₹10,000 using multiple payment options including prepaid, debit, and credit cards. After the online recharge, customers just need to tap their NCMC card on the terminal to update their balance.

This initiative is a step towards easing digital payments and is backed by the certainty, reliability, and safety of the Bharat BillPay platform.

The National Common Mobility Card (NCMC), also known as the One Nation One Card, is an innovative initiative by the Government of India to create a seamless and interoperable payment system for public transportation across the country. Launched on March 4, 2019, the NCMC is a contactless smart card that operates on the RuPay card mechanism. 

RBI Approves NPCI Bharat BillPay to Implement an Interoperable Payment System for Internet Banking Transactions

The Reserve Bank of India (RBI) has approved NPCI Bharat BillPay Ltd to implement an interoperable payment system for internet banking transactions. The new system will facilitate quicker settlement of funds for merchants.

Expected to be launched during the current calendar year, the new system will enable customers to pay businesses through net banking irrespective of whether their banks and the merchants’ payment aggregator are integrated.

Currently, online merchant payment transactions are processed through payment aggregators, which are not interoperable. So a bank is required to separately integrate with each payment aggregator of different online merchants.

India accounts for 46% of the world's digital transactions.

Speaking at an event "Digital Payment Awareness Week" in Mumbai, RBI Governor Shaktikanta Das said, "Internet Banking is one of the oldest modes for online merchant payment transactions. It is a preferred channel for payments like income tax, insurance premium, mutual fund payments and e-commerce."

Governor Das said that there is no common payment system and a set of rules for digital transactions at the moment. But when it comes to digital transactions, the world is looking at India, he said.

The proposed interoperable net banking payments will act as a clearing house to settle internet banking transactions between customers and merchants. This would eliminate the need for individual tie-ups.

Axis Bank becomes 1st Bank to On-board A School on "Bharat Bill Pay System"

• Axis Bank has developed its own in-house certified platform for Biller Operating Unit and Customer Operating Unit

Axis Bank has been continuously striving to make digital banking solutions available for its customers, both institutional and individuals. Access to necessities from the safety of homes and convenience of time have become even more crucial in the current times and hence providing innovative digital solutions is a key mandate. Axis Bank has roped in the education sector into the digital Banking ecosystem by on-boarding the Delhi-based Mount Olivet Senior Secondary School - the first school to have gone LIVE on Bharat Bill Payment System (BBPS). This initiative enables a one-stop school fees payment platform for the parents.

This is the first of many such tie-ups that the Bank is working towards, which include DPS Bareilly, DPS Akrampur, DPS Indira Nagar, DPS Jankipuram, DPS Gomti Nagar, DPS Kalyanpur, Allen House Public School Ghaziabad, DPS Eldeco, Allen Kids Kakadeo, Allen Kids Swaroop Nagar, DPS Saharanpur, Sri Chaitanya Schools, Hyderabad and St. Lawrence Convent School, Delhi.

Once such education institutions go LIVE on BBPS, it would enable all parents to conveniently pay using a wide network of more than 68 banks, more than 10 payment apps and through more than 2.5 lakh retail agents. Multiple modes of payments will be made available and instant confirmation will be received on the payments.  

Axis Bank has developed its own in-house certified platform for Biller Operating Unit and Customer Operating Unit. The Bank is enabling its Internet Banking / Mobile Banking platforms, AxisPay and Freecharge on BBPS so that individual customers can make all bill payments through BBPS and can avail the benefits of this platform. The Bank has its own in-house bill hosting mechanism as well as strategic alliances with various ERP service providers to ensure that all biller needs are met.

BBPS is a one-stop bill payment ecosystem conceptualized by the Reserve Bank of India (RBI) and driven by the National Payments Corporation of India (NPCI). It is an integrated, interoperable and accessible bill payment system. Through BBPS, payments can be made across a wide range of categories such as electricity, telecom, DTH, cable, gas, water, municipal taxes, school fees, housing society maintenance, hospital bills, EMIs, recurring deposits, insurance premium and many more. All entities on the BBPS platform have the assurance of the trusted brand of NPCI-BBPS. An effective mechanism for handling customer complaints has also been put in place.

Some of the key benefits for Billers:

• Wider reach - 68+ banks, 10+ payment apps and 2.5 lac+ retail agents become collection points for the biller


• Multi-channel, multi-mode collection enabled - channels: Bank IB/MB, payment app, retail outlet; modes: CC/DC/UPI/cash, etc.


• Single on-boarding - biller can come on-board BBPS through one Biller Operating Unit (such as Axis Bank) and multiple integrations are not needed


• Cost effective as compared to any other digital solution currently available in the market


• Minimal technical development required as IT integration is done by the bank


• All bill collections are credited directly to bank account electronically. Hence fraud / theft risks are mitigated


• Assured settlement by NPCI for the transactions passing through Bharat Bill Payment Central Unit (BBPCU)

Some of the key benefits for individual Customers:

• Single window for all bill payments across utilities, school fees, housing society charges, hospital bills, club memberships, etc.


• Payment can be initiated through any channel and mode of customer’s choice and convenience (channels: Bank IB/MB, payment app, retail outlet; modes: CC/DC/UPI/cash, etc.)


• No convenience fees charged


• Instant confirmation of bill payment


• Brand assurance of NPCI for safety and security


• Complaints resolution mechanism implemented by NPCI across channels

On this occasion, Rajiv Anand, Executive Director – Wholesale Banking, Axis Bank said, “At Axis we have always looked at opportunities to provide best-in-class products & services and accelerate the digital transformation journey of customers. BPPS is an innovative digital solution that brings convenience, efficiency and security to businesses across multiple sectors for recurring payments. BBPS has the potential to bring many institutions into the digital Banking gamut. Axis Bank has been one of the sponsor banks for BBPS, aggressively promoting it since its inception. The education sector is critical for the future of our nation and through Axis BBPS solution, parents will now have the convenience of paying school fees digitally, thus enabling them make all the necessary payments on time staying safely indoors.”