Cashfree BBPS COU — Bill Payments (Bharat Bill Payment System)

Fetch the bill via POST /v1/billers/request/bill-fetch, poll the response endpoint with the ref_id, create a Cashfree PG order with the bbps block, then initiate payment via /v1/billers/request/bill-payment and poll until status is SUCCESS or FAILED.

Bill fetch and payment are asynchronous: the initiate call returns HTTP 202 with a ref_id or transaction_ref_id, and you poll the corresponding response endpoint at 5s, 15s, 30s, 1 min, then 3 min intervals until a terminal status is reached.

The flow is determined by the biller's fetch_requirement and support_bill_validation config. FETCH_AND_PAY returns full bill details, VALIDATE_AND_PAY validates identity without returning bill data, and DIRECT_PAY billers skip bill fetch entirely and go straight to payment.

Common causes include missing required fields like bill_fetch_ref_id, biller id, or payment_information tags, using "INR" instead of numeric currency code "356", or omitting the quick_pay, split_pay, and off_us_pay flags in payment_method.

Call POST /v1/billers/request/ticket with the transaction_ref_id, a disposition code from D11 to D32, and customer details. Then poll /v1/billers/response/ticket-status with the returned ref_id until the ticket is resolved.

Do not use it to collect payments into the merchant's own account — use Cashfree PG or auto-collect instead — or to pay vendors and beneficiaries, which is handled by Cashfree Payouts. BBPS COU is only for paying bills on behalf of customers.