Saturday, June 16, 2018

Bharat Bill Payment System (BBPS) Approval Reference Number now mandatory in the BBPS Receipt



NPCI vide its Circular: NPCI/2018-19/BBPS/001 May 09, 2018, addressed to All BBPOUs in Bharat Bill Payment System has made it mandatory to provide the Bharat Bill Payment System (BBPS) Approval Reference Number

Q: What is Bharat Bill Payment System (BBPS) Approval Reference Number?

Ans: BBPS Approval Reference Number is an internal confirmation number which may be used by Biller BBPOU and Biller as a reference of any transaction.

BBPS Approval Reference Number is the confirmation number for the  payment made by the customer to the Biller.

BBPS Approval Reference Number is mandatorily to be shared with end customer so that a customer can provide reference of any transaction while reaching out to the Biller directly (e.g. contacting biller customer care in case of any grievance)

BBPS Approval Reference Number is the key in offline channel to ensure that the transaction is routed through NPCI BBPS Channel only and no dummy collection has taken place.

BBPS payments can be made through the Online Channel and Offline Channel.

Online Channel – Customer initiates the transaction and his/her Bank Account/Credit Card is directly debited.

Offline Channel – Customer initiates the transaction through Bank-Branch Channel or Agent Channel. Cash is the preferred payment option at the Bank-Branch Channel or Agent Channel.

The following are the BBPS payment channels

Online:
  • ·       Internet Banking (Pre Login) Channel
  • ·       Internet Banking (Post Login) Channel
  • ·       Mobile Banking (Post login)
  • ·       Mobile App
  • ·       KIOSK Channel


Offline:

  • ·       Bank-Branch Channel
  • ·       Agent Channel


Q: Who are Agents ?

Ans: Agents are the customer touch points and service points in the BBPS ecosystem available in the form of agent outlets, Business Correspondent outlets, Bank branches, collection centres, retail outlets and other service points.

Q: How are the Biller BBPOUs to pass on the Biller Reference Number?

Ans: The Biller BBPOUs are expected to pass this value in approvalRefNum attribute in Reason Block in the APIs. In case the biller doesn’t provide any approval reference number/confirmation number, Biller BBPOUs can pass a default value “AB123456”
Complete details are available in the BBPS API specification document.

Also, all the Customer BBPOUs are required to display the Approval Reference Number in the Bill payment receipt.

This circular was necessary as NPCI has observed that some Biller BBPOUs are passing junk values like transaction ref id or any random values etc. in the Approval reference number attribute in Reason Block.

All the Biller BBPOUs are required to mandatorily provide proper Approval Reference Number as received from biller.

In addition, all the Customer BBPOUs are requested to make note that the Approval reference number shall form part of the bill payment receipt provided to the end customer.

NPCI has advised BBPOUs to  make the aforementioned changes in their respective systems by 15th June 2018, including the physical Bill Payment Receipt.

Annexure 1 - Use Case

Annexure 2 - Revised fields to be incorporated in the Payment receipt by Customer BBPOU channels

Annexure I
Use Case of Approval reference number for Jodhpur Vidyut Vitran Nigam Limited (JDVVNL)
For example: JDVVNL provides 3104410579158 as approval reference number/biller confirmation
number to its Biller BBPOU for a transaction.

The same needs to be passed by Biller BBPOU under “approvalRefNum” attribute in the reason block as mentioned below:
responseCode="000" responseReason="Successful"/>
Only if a biller is not providing approval reference number/confirmation number, Biller BBPOUs can
pass a default value ‘’AB123456”. The response by Biller BBPOU in this case, can include reason block as illustrated below:
responseCode="000" responseReason="Successful"/>

Annexure II

In addition to the existing list of fields, Customer BBPOU channels needs to incorporate Approval reference number/Biller Confirmation Number in the bill payment receipt.

Revised set of fields to be incorporated in the Payment receipt by Customer BBPOU channels is as mentioned below:

a. BBPS logo
b. Logo of BBPOU
c. Name of the customer
d. Name of the biller
e. Biller ID
f. Transaction Ref ID
g. Consumer ID
h. Mobile number to which the SMS is being sent.
i. Payment Mode
j. Payment Channel
k. Bill Date
l. Bill amount
m. Customer Convenience Fee
n. Total Amount
o. Date and time of bill payment transaction

p. Website URL, on which the Consumer may input the Transaction RefID to verify authenticity of the Transaction OR the customer helpdesk mail id where the query regarding the bill payment needs to be sent (may be pre-printed)

q. Approval reference number/Biller Confirmation Number (new addition)