Guides 01 · Bharat Bill Payments
Every Bill. One Counter.
Electricity, gas, water, DTH and 20,000+ billers through a single BBPS-powered retail counter.
About us
We build the digital foundation businesses depend on.
PhotonPE is a digital infrastructure company that helps businesses operate with greater clarity, speed, and confidence. We work across industries to design and deliver systems that handle the complex, behind-the-scenes work that keeps organizations running — from financial processes to day-to-day operations.
PhotonPE
// PhotonPE Collection API
curl -X POST https://api.photonpe.com/v1/collect \
-H 'Authorization: Bearer $PP_KEY' \
-d '{ "amount": 2999, "vpa": "user@upi" }'
{ "status": "success",
"txn_id": "PP8492X",
"settled": true }
Fast, Reliable & Developer-Friendly APIs
Developer-First API Infrastructure
Build faster with secure, scalable, and developer-friendly infrastructure designed for modern financial operations and business workflows.
Services
Enabling Trusted Scalable Solutions. Seamless Integrations
Tap or hover any card to flip it and see what's inside.
INTEGRATE • PAY • SCALEBharat Bill Payment Platform
Expand your fintech offerings with India's most trusted utility network. PhotonPE gives you instant access to 20,000+ billers across electricity, gas, water, telecom, loan EMIs, and more — all through a single, powerful API.
20,000+ BillersSingle API
FlipBBPS Solutions
Bharat Bill Payment
- 20,000+ BillersAccess all major utility providers instantly.
- Single APIUnified integration for all categories.
- ElectricityPan-India Boards
- TelecomPrepaid & Postpaid
- WaterMunicipal Transit
DEPLOY • MANAGE • SCALEPoint of Sale Solutions
Empower your merchant network with PhotonPE's end-to-end POS solutions. Robust hardware terminal-based POS gives your fintech the infrastructure to deploy, manage, and scale merchant payments — all under one platform.
HardwareUnified Platform
FlipPOS Solutions
Point of Sale
- HardwareTerminals POS both supported.
- Unified PlatformManage all your merchants centrally.
- Multi-modeCard, UPI, Wallet
- Instant SetupsFast & Reliable
- PCI-DSSSecure Transactions
TRACK • TOLL • SCALECorporate FASTag Platform
Managing a corporate fleet involves more than just vehicles. PhotonPE's FASTag solution brings together toll management, live tracking, and automated ledger sync into one unified platform.
End-to-End AutomationCentralized Dashboard
FlipFasTag Solutions
Corporate FASTag
- End-to-End AutomationEliminate manual processes instantly.
- Centralized DashboardMonitor all metrics in one single view.
- Toll CollectionAutomated & Secure
- Fleet TrackingVehicle & Route Tracking
- Wallet & LedgerEffortless Management
Partner's who Trust Us
SSecurePay
TTrustBank
NNexaPay
OOmniGate
PPayBridge
FFinCore
SSwiftSettle
UUnityPSP
SSecurePay
TTrustBank
NNexaPay
OOmniGate
PPayBridge
FFinCore
SSwiftSettle
UUnityPSP
10+
Years of Team Leadership
Why Choose PhotonPE?
Why Choose PhotonPE?
Best Commission Rates
Earn more on every transaction—be it BBPS or beyond.
API-First Architecture
Frictionless integration for developers. SDKs, sandbox access and webhook-ready APIs.
Secure by Design
Regulatory-compliant and PCI-DSS aligned, with 99.9% uptime and data encryption.
Partner-Centric Model
We scale with you—offering white-labelled dashboards, channel support and documentation.
Industries
Industries We Serve
E-Commerce
Educational Institutions
Financial Services
Hospitality
Insurance
NBFC
Startup
Travel
PHOTONPE
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02
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Complete KYC
Submit your basic details for verification
In 30 Minutes
Boost your success with India’s most reliable payment APIs. Get in touch.
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FAQ
Frequently Asked Questions
PhotonPE is a technology-driven fintech platform delivering secure, scalable, and revenue-generating digital financial infrastructure across India, empowering partners to provide reliable financial and operational services through a unified technology platform.
PhotonPE offers services like bill payments, POS solutions, payout systems, payment collection, ERP, HRMS, and verification tools.
Onboarding is quick and hassle-free—simply submit your details, complete the KYC process, upload the required documents, and your account will be activated shortly.
PhotonPE supports UPI, debit & credit cards, net banking, wallets, QR code payments, and payment links, enabling fast and seamless transactions across all major digital channels.
We power utility fintech across E-commerce & Startups, NBFCs & Financial Institutions, Travel & Hospitality, Education & Institutions, and Insurance & CSP/e-Governance.
Yes. Security is our top priority. We ensure bank-grade security with data encryption and fraud protection, and are fully compliant with RBI guidelines and industry standards, ensuring safe and reliable transactions.
Latest Post
Our Latest Insight Blog
Guides
Payments5 Benefits of Digital Bill Payments for Businesses
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BBPSWhat is BBPS and How Does It Work?
Read MoreSecurity & Compliance
Built on bank-grade security practices you can trust.
PCI-DSS Aligned
256-bit Encryption
ISO 27001 Practices
RBI Guidelines Aligned