Delivering unique value

to the bill payment ecosystem

An Inclusive and Innovative Solution

The uniqueness of this bill payment solution lies in its federated hub-and-spoke architecture where the governance is administered by the central infrastructure (RS BillAbhi-Central™) and billers and consumers are serviced through Operating Units (RS BillAbhi-Bank™). This hub-and-spoke arrangement enables interoperability between different financial institutions and service providers that act as the spoke controlled by the central hub.

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Value Added Services


Seamless Onboarding

Self or assisted on-boarding and access management via state-of-the-art web portal

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Easy management

Configuration of application parameters and business rule management

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Technical Expertise

Supports on-demand Bill Fetch by Consumer’s Bank (DFI), and Bill Fetch message processing by Biller’s Bank (CFI), besides standard Bill Presentment from Biller’s Bank (CFI) to Consumer’s Bank (DFI)

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Message standards

Supports EIPP based message framework and ISO 20022 messages

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RS Billabhi™ product suite create a unique and differentiated experience for Billers and Consumers for the entire bill presentment and payment lifecycle

  • Serving Biller’s inherent business needs to attract more Billers and increase the market share

  • Enriching experience to increase the adoption with Consumers helps to attract Banks to grow the network

  • Complaint Management System for Billers, Customers, CFIs and DFIs to register, route and track complaints enables effective customer relationship management

  • Centralised Warehousing of mandate requests for storage and retrieval

  • Reconciliation between bill presentment and payment for efficient account and invoice management


Success Stories

  • RS has architected the Bharat Bill Payment System (BBPS) in India, a nationwide integrated and interoperable bill payment service commissioned by the National Payments Corporation of India. BBPS has a hub and spoke design that have been built using RS BillAbhi – Central™ and
    RS BillAbhi – Bank™. Together they are transforming bill payments in India.