TranslateWhich APIs do I need?
Start from what you are building. Most teams need two APIs, not the whole catalogue.
Find the row closest to your business. Each one lists the APIs that fit, and why.
| If you are building… | You need | Why |
|---|---|---|
| Lending / NBFC | Cash Management APIVerification API | Borrowers repay in cash near home; you need it credited to the right loan account and verified. |
| Fintech app or wallet | Bill Payments APICard Bill Payment APIVerification API | Bills and card payments give your users a reason to open the app between big transactions. |
| Retail / agent network | Bill Payments APICard Bill Payment APICash Management API | Every counter becomes a payment point, and the cash it takes is digitised at the counter. |
| Enterprise with branches | Cash Management APIBill Payments API | Collections from many sites land in one ledger, and utility bills are paid from one place. |
| Marketplace or platform | Verification APIBill Payments API | Verify who you are onboarding before money moves, and add bill payments as a retention hook. |
Not sure?
Tell us what you are building on the first call and we will map it for you — paying for APIs you do not use helps nobody.
The four live APIs
- Bill Payments API — Fetch a live bill and pay it across electricity, water, gas, DTH, broadband and mobile — through the Bharat BillPay network.
- Cash Management API — Accept cash at retail touchpoints across India and credit it against the right loan or customer account in real time.
- Card Bill Payment API — Accept credit card bill payments for all major VISA, Mastercard and RuPay issuers, on PCI-DSS compliant flows.
- Verification API — Identity and account verification used alongside the payment flows, so onboarding and fund settlement check out before money moves.
