Sep. 10, 2025
6 Min read
Payments
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According to the National Payments Corporation of India (NPCI), transactions through the Bharat Bill Payment System (BBPS) are expected to exceed 3 billion by 2026. Despite this rise, less than 30% of customers pay their bills online, leaving them waiting in long lines or confused between different apps. An all-in-one site simplifies utility bill payments by consolidating recharge, Fastag, water, and even electricity bill payments into a single dashboard.
Finkeda’s e-commerce payment system works on any smartphone or computer. It’s an all-in-one portal that connects directly to BBPS and prints or sends receipts instantly. This reduces overall setup costs, speeds transactions, and lets local shops offer digital payments without extra investment. Scroll down to see how Finkeda transforms your outlet into a full‑service payment hub that is fast, secure, and profitable.
According to the RBI’s “Report on Currency and Finance,” while digital payments have grown gradually since 2020, demand for cash-based services still remains strong, especially in small towns and rural belts. This includes electricity bill payment, water bills, DTH, gas refills, and mobile recharges. Many customers either do not have access to banking apps or prefer to deal with humans when making financial transactions.
This is where merchant-assisted utility bill payment centers become relevant. Finkeda has created a model that works both for customers and local shopkeepers.
Finkeda provides utility bill payment services using the Bharat Bill Payment System (BBPS). It is a government-approved integrated bill payment platform run by the NPCI. As a Finkeda merchant, you can take bill payments for a variety of services on behalf of your customers.
Instead of navigating multiple portals or apps, the merchant gets a single, consolidated dashboard on the Finkeda platform to process all bill types. You can sign up in no time, enter your customer details, select the biller, and complete the payment within seconds. Every transaction generates an instant digital or physical receipt, and the credit lands in your account as commission. The portal works perfectly on any phone or computer without the need for any add-ons or hardware, so you can serve customers even in busy markets or rural areas.
Finkeda’s portal lets you become the go‑to payment hub for all major utilities in your area. You can handle multiple utility bills from a single dashboard. The services include:
Finkeda taps into the BBPS to pay the electricity bill online from state and private distributors. You enter the customer’s consumer number, verify the amount, and hit “Pay.” The transaction completes instantly, and you print or send a digital receipt. You can complete electricity bill payment online from any phone or computer without extra hardware to serve customers anywhere.
The all-in-one portal lets you settle your consumer’s water bill payment and sewerage bill from any municipal and private suppliers. Just input the customer’s account number, check the billed amount, and confirm payment. Finkeda then validates the transaction in real time and issues a receipt.
Finkeda connects to all major gas billers through BBPS, so you can handle cooking LPG gas and piped‑gas payments in one place. Enter the customer’s subscriber ID, review charges, and complete the payment with a tap. The system confirms success instantly and logs the commission to your dashboard, without extra paperwork.
Offer prepaid and postpaid mobile recharges plus DTH top‑ups from a unified interface. You select the provider, enter the customer’s number, and apply the recharge or bill payment. Finkeda processes it instantly and provides a printed or digital receipt.
Finkeda processes broadband bill payments and top‑ups instantly and securely. You select “Recharge,” choose the broadband provider, enter the customer’s account number, and confirm the amount. The portal taps into BBPS and direct APIs to fetch dues in real time. This quick service keeps customers online without interruptions.
Finkeda’s FASTag facility allows you to provide customers with rapid recharges and hassle-free toll payments. You type the FASTag ID, verify the amount, and hit “Recharge.” Finkeda instantly processes it, reflects the real-time balance update, and sends a digital receipt. This service keeps the vehicles rolling at toll gates without any interruptions and enhances your service span.
Finkeda helps shops and merchants set up their stores as a digital payment hub. They can process payments instantly without any setup fees, maintaining a profitable business through commissions. Here are the key benefits to help you understand how Finkeda supports your profits:
Finkeda speeds up every transaction to make the billing fast. You simply enter customer details, choose the utility, and hit pay. Its features like water bill quick pay processes the payment through BBPS, giving you the transaction receipt without delays. This fast cycle keeps lines moving and customers satisfied even during busy hours.
Finkeda taps into BBPS for a real‑time light bill check. You enter the customer’s consumer number and click “Verify.” The portal fetches the exact electricity dues from the provider’s system. This instant validation ensures you avoid wrong amounts and delays. Your customers get accurate billing info, including electricity, DTH, or water bill payment. You can also close each sale faster and error‑free.
Finkeda works on your phone or computer, so you don’t need extra hardware or costly setups. You sign up online and start offering payments right away. There’s no monthly fee for the portal, and you access all services through one login. This zero‑investment model lets you boost income without financial risk.
Finkeda is a secure and NPCI-approved platform. It is registered as a Third Party Application Provider (TPAP) under the BBPS and the Unified Payments Interface (UPI). End-to-end encryption protects data and follows strict security standards.
Scheduling bills automatically helps you collect payments before due dates and skip late charges. Finkeda sends your commission right away, so you see funds in your account the same day. You watch each payment live, making it easier to manage stock and costs.
Finkeda helps local shops to offer utility bill payments and Aadhaar banking (AePS) in underserved areas. With AePS and BBPS, clients without smartphones or bank branches can easily pay electricity bill online and perform balance enquiries safely. This local‑first model brings digital finance closer, empowering rural and small‑town customers.
Finkeda provides you with an easy-to-operate dashboard that shows all transactions at a glance. You can filter by date, utility type (such as light bill check), or payment status to find any sale instantly. The portal auto‑generates reports for daily, weekly, or monthly activity, so you spot trends and errors fast.
Finkeda makes it easy for merchants and local shops to add utility bill payments to their services. All you need is an internet connection and a compatible device to sign up and complete transactions for various bills from a single dashboard. Below are the simple steps that take you from registration to serving your first customer with bill payments:
Go to the Finkeda website or open the Finkeda Saathi app. To sign up, enter your shop’s basic details, like name, address, and GST (if applicable). Once you submit, Finkeda begins your merchant onboarding process.
Finkeda’s staff checks your application and verifies your account, typically in one day. You are then given access to the merchant portal or app and complimentary training resources. This includes what to do with the portal, how to apply digital functionality, and how to deal with transactions.
Open the “Utility Bill Payments” section on your dashboard or app. Ask your customer for their biller type (electricity, water, gas, telecom, or FASTag) and their account or consumer number. The portal validates the details automatically, pulling the exact amount due from the biller’s system.
Select a payment method: UPI, wallet, net banking, debit, or credit card, and press “Pay.” Finkeda makes the payment in real time through BBPS. The system reflects the transaction status in real time, so you and your customer receive confirmation immediately.
After payment, you can print a physical receipt or send a digital copy via SMS or WhatsApp. This payment proof comforts customers and limits disagreements. Your commission, in the meantime, posts to your dashboard immediately and makes tracking earnings easy with no additional effort.
Finkeda’s single application utility bill payment platform enables your store to pay all bills in real time with no queues and no additional hardware. It taps directly into the BBPS for instant and secure transactions and issues digital or printed receipts on the spot. Finkeda makes the entire process easy by letting you sign up online and access all services through one dashboard. After your customer’s payment is confirmed, you can start earning commissions immediately, without setup fees or monthly charges. With built‑in security, audit‑ready reports, and 24/7 services, Finkeda turns any outlet into a trusted payment centre.
So, why wait? Simplify electricity bill payments along with other utilities and grow your business by partnering with Finkeda today!
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