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)
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