One bill payment platform.
200+ billers, every category. PAY9 is an NPCI-authorised Biller Operating Unit — go live with utility, telecom, DTH, education, insurance, credit cards, FASTag and more on a single integration.
One API, every utility.
From the kirana power bill to a corporate credit card — PAY9 routes to every NPCI-onboarded biller through one signed integration.
Built for scale and audit.
Realtime settlement
Funds confirmed to biller in under 30 seconds — no T+1 delays.
BOU Authorised
PAY9 is a Biller Operating Unit certified by NPCI · BBPS Bharat Connect.
Auto-receipt & PDF
GST-compliant receipts in 22 regional languages, auto-emailed.
Reconciliation
Per-biller reports, dispute resolution and chargeback workflow built-in.
Channel-agnostic
Web, mobile app, POS, kiosk, agent — one API for every touchpoint.
Embedded compliance
AML, KYC, biller validation all run inside the gateway.
From fetch to settled in under 30 seconds.
Customer fetches bill
User enters consumer number on your app, POS or kiosk.
PAY9 validates
We hit NPCI BBPS → biller → return amount, due date and bill metadata in 600ms.
Customer pays
Choose UPI, card, netbanking or wallet. We route through your sponsor bank.
Biller settles
Funds + receipt land at the biller. GST-compliant PDF emailed automatically.
Go live in 72 hours.
Sandbox keys in 1 business day, production credentials in 72 hours once your sponsor bank is in place.