Add mobile recharge, electricity, gas, DTH, water, broadband, FASTag, insurance premium and credit-card bill payments to your travel portal via a single BBPS-aligned API. Built for travel agencies who want to expand revenue beyond travel and create a one-stop financial-services portal for their sub-agent network and customers.
Utility & Bill Payment API Provider in India sits at the intersection of supplier connectivity, distribution and the operational tools your team actually uses every day. Add mobile recharge, electricity, gas, DTH, water, broadband, FASTag, insurance premium and credit-card bill payments to your travel portal via a single BBPS-aligned API. Built for travel agencies who want to expand revenue beyond travel and create a one-stop financial-services portal for their sub-agent network and customers.
adivaha® powers more than 2,400 travel brands across 120+ countries, with engineering teams in India and Europe and 200+ pre-integrated supplier connections. We are an Amadeus Global CAP Licence holder and ISO 9001:2015 certified. The platform you read about on this page sits inside the same connected core that powers booking engines, agent portals, mobile apps, gift cards, loyalty programs and AI automations across every product line we ship.
This page is part of adivaha®’s broader travel-tech catalogue covering flights, hotels, holiday packages, transfers, activities, gift cards, loyalty, corporate travel, mobile apps and AI automations. Customers typically start with one product and layer on the rest as they grow - everything sits on the same supplier pool, the same payment rails, the same customer wallet and the same audit log so adding a new module never means a re-platform.
Accept cards, UPI, wallets, BNPL and FX with built-in refunds and reconciliation tied to bookings. The platform is built for the operational reality of travel - cancellations, refunds, credit shells, supplier reconfirmations, multi-currency settlement, GST on commission vs principal sales, ADM/ACM handling - all of it modelled as first-class concepts rather than afterthoughts. That’s the difference between travel-tech that scales and a generic SaaS product retrofitted for travel.
Most adivaha® customers go from contract to first production booking in 2-3 weeks. The path is short because the hard parts are already done: supplier credentials are pre-provisioned, the booking flow is tested end-to-end, payment gateways are integrated, and the white-label theming sits behind a config flag. Your team focuses on the parts that are actually unique to your business - brand, audience, market positioning, supplier contracts - instead of rebuilding a booking engine from scratch.
Beyond the speed-to-launch advantage, customers stay on adivaha® because the platform compounds. Every supplier we add, every payment rail we wire in, every AI capability we ship lands automatically for everyone on the platform - not as a paid upgrade, not behind an enterprise tier. The roadmap moves the entire customer base forward together. That’s how a small agency in 2023 ends up with the same supplier coverage as a multi-country OTA in 2026 without ever touching the integration code themselves.
The architecture, the integration approach and the operational model behind every production deployment.
A 200+ supplier pool sits behind a single, normalised contract. Search results stream back from parallel calls so users see partial results immediately rather than waiting for the slowest provider. When a supplier ships a breaking change - an NDC update, a rate-plan reorganisation, a deprecated endpoint - we absorb it in our adapter layer so your code never has to.
Your domain, logo, colours and store-listing copy are wired in by our delivery team. The white-label storefront ships in 2-3 weeks for most customers. Custom UI work or unusual payment requirements may extend the timeline, but we’ll be upfront about exactly what changes the schedule.
Run a customer-facing site and a B2B agent portal from one platform with role-based access, separate fare displays for retail and trade, KYC for sub-agents, commission tiers and credit-shell management. Markups apply per supplier, per product, per agent, per market - with stacking rules and override priority.
Cards, UPI, wallets, BNPL and FX flow through the same checkout. adivaha Pay reconciles transactions automatically against bookings; one escrow covers every supplier so the customer payment, your markup and the supplier cost are tracked in a single ledger. UPI integration ships out of the box for Indian markets.
Conversational booking assistants, support auto-resolution, invoice generation and anomaly alerts run on top of adivaha AI. Every AI action that touches money, contracts or customers waits for human sign-off, and every action is logged with full audit trail. PII is redacted at the edge before reaching any LLM.
Native mobile apps on iOS and Android share the same backend. Public REST APIs expose everything the storefront uses, with OpenAPI 3.1 specs, Postman collections, SDKs in five languages and HMAC-signed webhooks for booking and refund events.
The features that look small on a demo but compound into real margin advantage when you’re running production traffic month after month.
Cards, Apple Pay, Google Pay, regional wallets and BNPL.
Why it matters: Without this you’d be paying engineering or operations cost every month to do the same work manually - a hidden tax that grows with your booking volume. The platform absorbs that cost so your team doesn’t have to.
Direct UPI flows including UPI Lite and UPI AutoPay.
Why it matters: This is the kind of feature most platforms charge as an enterprise add-on. It ships standard with adivaha® because it’s how a real travel business actually operates.
Sell globally with FX and per-currency settlement.
Why it matters: Customers who lean on this consistently outperform peers on conversion, supplier mix and reconciliation accuracy. The compounding shows up in margin within a quarter or two.
Partial / full refunds matched to supplier rules and posted back.
Why it matters: It’s built around an open contract, so you can extend it without waiting for a vendor release cycle. When your business shifts, the platform shifts with you.
API contracts stay supported for at least 12 months after the next major version ships. Suppliers churn, regulations change, but your code keeps working.
Why it matters: The audit trail and rollback story make it safe to use even on money-affecting flows. Compliance teams love it; finance teams stop double-checking exports.
Logs, traces, latency, error rates and rate-limit usage available per API key, per environment. No more guessing why a request failed yesterday.
Why it matters: It scales linearly with traffic - no surprise re-architecture when you 10x volume. The same API call that works at 100 RPS works at 1000 RPS.
The most common goals customers hit in the first 90 days after going live - one platform, six measurable outcomes.
Most customers process their first revenue-bearing booking within 2-3 weeks of contract signing. Pre-integrated suppliers and a 24-hour sandbox provisioning policy compress the timeline.
Sub-second median latency on multi-supplier search results means fewer abandoned carts. Smart caching keeps repeated queries fast, idempotent confirmations prevent duplicate-charge errors.
Auto-vouchering, supplier reconfirmations, refund handling and reconciliation against payment gateway statements run automatically. Operations cost stops scaling linearly with booking volume.
When inventory from one supplier underperforms, the platform routes more searches to the others. Smart routing surfaces in your margin within the first quarter.
Multi-currency, multi-language and multi-tax-regime support means a new market launch is a config change, not a re-platform. Many customers expand to 3+ countries within their first year.
AI-assisted support automation handles tier-1 tickets and routes the rest with full booking context to your team. Average resolution time drops; agent-per-ticket cost drops with it.
A clear hand-off model so your team knows exactly what happens at every phase - no surprise dependencies, no vendor-side mystery work.
We map your existing flows, supplier preferences, payment requirements and target markets. The output is a scoped delivery plan with explicit timelines, deliverables and ownership boundaries between your team and ours.
Sandbox keys, API documentation access, supplier credential requests and payment gateway onboarding all kick off in parallel. Your engineering team can start building integrations immediately.
Branding, UI customisation, currency setup, tax rules, markup rules, agent tiers and policy enforcement get wired in. Most of the customer-visible work lands here.
End-to-end testing on real supplier sandboxes, payment flow validation, edge-case handling and a controlled soft launch. We catch the issues that only show up under real traffic.
Full launch, dedicated success-manager access for 30 days, then standard support. New APIs, AI capabilities and supplier integrations land automatically as we ship them - no migration projects.
In India, adivaha® runs UPI, Razorpay, Cashfree and CCAvenue out of the box, with ICICI/HDFC Escrow and IATA-IN ticketing relationships.
We support local payment methods, currencies, tax regimes and language packs out of the box for the markets we serve. If a locale-specific certification or compliance requirement applies in India, our delivery team handles it as part of standard onboarding rather than as a custom project. Talk to a specialist about the specifics for your launch.
Building it yourself looks cheaper on Day 1 and starts looking expensive by Quarter 3. Here’s why almost every team eventually moves to a platform.
The seductive part of building your own travel platform is that the initial scope feels containable. You need flight search, hotel search, a checkout flow and a booking confirmation page. Estimate three engineers for six months and you have an MVP. The trap is that the MVP isn’t the expensive part. The expensive part is the next eighteen months of maintaining supplier connections, handling regulatory changes, supporting refunds and cancellations across edge cases, and answering customer questions about why their voucher hasn’t arrived.
Travel-tech operations cost scales linearly with booking volume on a homegrown stack. Every new supplier is an integration project. Every regulatory change in a new market is a code release. Every booking edge case eventually becomes a finance reconciliation ticket. Your engineering team becomes a maintenance team. Your roadmap stops being about competitive features and starts being about keeping the lights on. Six quarters in, the calculation that made build-it-yourself look attractive has completely flipped.
A purpose-built platform changes the calculation by socialising those operational costs across hundreds of customers. The supplier integration we did last year benefits every customer who needs that supplier this year. The regulatory patch we shipped to handle a new tax regime applies to every customer in that market. The fraud rule we tuned based on patterns across 50 million API calls is available to every customer the day we ship it. None of that is true on a homegrown stack.
adivaha® runs the platform as a continuously improving asset on behalf of our customers. Releases land monthly. Supplier coverage grows quarterly. Compliance updates ship as soon as the regulator publishes them. Your team focuses on the parts of your business that are actually unique to your customers - brand, audience, market positioning, supplier negotiations - rather than the parts that look the same as every other travel business’s plumbing.
Three deployment patterns we see most often - pick the one that fits your business and adapt as you scale.
One product, one currency, one supplier mix per category. Branded portal on your own domain. Sandbox for testing, production for live. Most solo agencies start here, ship in 2-3 weeks and process their first few hundred bookings within the first month.
B2C site plus B2B sub-agent portal sharing one supplier pool. Dynamic markups per agent group, credit limits, KYC, agent reports and per-agent statements. Multi-currency for cross-border markets.
Multi-tenant deployment with regional branches, local payment rails, language packs and per-market fare displays. Consolidated reporting at HQ rolls up everything automatically.
The point of these patterns isn’t to box you in - it’s the opposite. Customers move between them as their business shifts. We’ve had a Starter customer become an Enterprise customer in 18 months without ever changing platforms. The deployment model is fluid because the underlying platform is the same; you’re only ever toggling configuration, never re-platforming.
Security and compliance treated as platform-level concerns, not individual customer add-ons. The standards your CISO will ask about, ready before they ask.
Security at adivaha® starts at the architecture level. The platform is multi-tenant by design with strong row-level isolation at the PostgreSQL primary, encrypted at rest and in transit. Customer data lives only in the tenant it belongs to. Payment information flows through PCI-compliant tokenisation layers and never reaches our infrastructure in raw form. Webhook payloads are HMAC-signed so your receivers can verify authenticity before processing.
Application-level security follows OWASP guidelines as a baseline, with annual third-party penetration tests audited for findings and remediation. Granular role-based access control lets you slice permissions per module, per action and per data scope. SSO via SAML or OIDC is available on enterprise plans. Every change to your data is logged with attribution - who did what, from which IP, at what time - with the audit log retained for the duration of your contract.
For the regulatory side, we support GDPR, India’s DPDP Act and equivalent regional frameworks across the markets we serve. Personal traveler data is collected for the minimum necessary purpose, retained only for the necessary duration, and never used for upstream model training in our AI features. Combined with our Amadeus CAP Licence, ISO 9001:2015 and 99.9% uptime SLA, the credential package is what most enterprise procurement teams expect to see before they sign.
The reasons customers consistently cite when we ask why they picked us over the alternatives.
1. Travel-specific by design, not retrofitted. Generic SaaS doesn’t know what an ADM is or how a credit shell works. We’ve been building exclusively for travel for fifteen years, and the platform reflects that - ticketing, refunds, reconfirmations, supplier statements, multi-currency settlements, GST handling are all first-class concepts, not afterthoughts patched on top of an e-commerce engine.
2. Stable contracts, evolving features. Our API versions stay supported for at least 12 months after the next major version ships. Suppliers churn, regulations change, but your code keeps working. Non-breaking improvements land in your current version with release notes - no surprise upgrades, no “you must migrate by next quarter” emails.
3. One backend, every surface. The same engine across web, mobile app, agent portal and partner APIs. Same login, same wallet, same loyalty balance, same support thread. Customers move freely across surfaces and your team works in one place - no parallel inventory to maintain, no silos to bridge.
4. Live in days, not months. Most launches ship in 2-3 weeks. We’ve made the slow parts fast through repeatable templates, pre-integrated suppliers and a 24-hour sandbox provisioning policy. Speed-to-launch isn’t marketing - it’s a competitive advantage that lets you test markets, validate ideas and capture seasonal demand windows that slower competitors miss.
5. Transparent pricing, no surprises. Pricing is published on the site. Sandboxes are free. The move from sandbox to production is a permission flip rather than a contract negotiation. We don’t play games with hidden fees, surprise overage charges or per-API-call billing.
India has 350M+ smartphone users but only 80M-100M who pay bills digitally. The remaining 250M+ still pay through neighbourhood agents - and travel agencies are some of the most-trusted neighbourhood touch points. Adding bill payment to a travel portal turns a once-a-year customer into a monthly recurring user, increasing both stickiness and per-customer revenue.
Bill payment also creates a steady revenue floor between travel-booking peaks. A typical sub-agent in Tier 2 / Tier 3 India earns 1-3% commission per recharge or bill payment. Spread across 200-500 transactions per month per sub-agent, that's INR 5,000-25,000 per sub-agent per month in pure commission - on top of travel bookings.
adivaha's Utility & Bill Payment API plugs into your existing travel portal: same login, same wallet, same admin. One stack for travel + bill payment + payments, all reconciled end-to-end.
Prepaid & postpaid recharge for Jio, Airtel, Vi, BSNL and all major operators.
60+ state electricity boards (BSES, MSEDCL, TANGEDCO etc.), piped gas (Mahanagar, IGL).
Tata Play, Airtel Digital, Dish TV, D2H and all major DTH operators with one API call.
Municipal water boards across Delhi, Mumbai, Bangalore, Hyderabad, Chennai and more.
Jio Fiber, Airtel Xstream, ACT, BSNL Fiber, Excitel, Hathway and other ISPs.
All FASTag-issuing banks - HDFC, ICICI, IDFC, SBI, Paytm, IHMCL.
LIC, HDFC Life, ICICI Pru, SBI Life and 30+ insurance companies premium payments.
All major Indian credit cards - HDFC, ICICI, SBI, Axis, Amex, Citi.
Fully compliant with Bharat Bill Payment System (BBPS) protocols mandated by NPCI.
Bill payment is the perfect product to onboard sub-agents - low ticket size, daily transactions, predictable commissions.
Submit KYC, business proof and BBPS BBPOU agent registration documents.
Set up master wallet, sub-agent hierarchy and commission slabs.
Plug into your existing travel portal via REST API or use our white-label dashboard.
Sub-agents start transacting; commissions and reports flow automatically.
Bharat Bill Payment System (BBPS) is one of the most successful financial-infrastructure initiatives in Indian history, alongside UPI. Launched by NPCI in 2017, BBPS standardised bill-payment workflows across 20,000+ billers covering electricity, gas, water, telecom, DTH, education, insurance, FASTag, credit cards and more. Before BBPS, bill-payment integration was fragmented - each biller had its own protocol, settlement rules and reconciliation. After BBPS, agents and apps integrate once and access the entire biller universe.
For travel agents serving Tier 2 / Tier 3 / Tier 4 India, BBPS access transformed the agent business model. The traditional travel-agent income (1-3% on flight tickets, 5-10% on hotel/package bookings) is concentrated in 2-4 peak-travel months. Agents struggled with revenue lulls in non-peak months. BBPS bill-payment integration creates a year-round revenue floor - electricity bills come due monthly, mobile recharges happen weekly, FASTag top-ups happen frequently. Agents earn 1-3% commission on each transaction, building a steady base of recurring revenue.
For agencies running B2B sub-agent networks, bill payment is the perfect product to onboard new sub-agents. Travel-only sub-agents need 6-12 months of relationship-building before they trust a master agency to put real volume through. Bill-payment sub-agents can start transacting on day one because the per-transaction stakes are low (INR 50-1500 vs travel-booking stakes of INR 5000-100,000). Once bill-payment trust is built, travel volume follows naturally.
The economics scale dramatically. A typical sub-agent in semi-urban India processes 200-500 bill-payment transactions per month (mobile recharge, electricity, DTH, FASTag for their local community). At 1-3% blended commission, that's INR 5,000-25,000 monthly per sub-agent. Multiply by 50-200 sub-agents in a typical master-agency network, and the master agency captures INR 10-50 lakhs (USD 12K-60K) monthly net commission - a substantial new revenue stream layered on top of existing travel business.
Beyond financial economics, bill-payment positioning matters strategically. Sub-agents who depend on the master agency for daily cash flow (bill-payment commissions are settled daily; travel commissions are settled monthly) are fundamentally more loyal. They're also more responsive to the master agency's product / pricing decisions because their daily livelihood depends on the platform working well. This loyalty compounds over years as sub-agents recommend other sub-agents to join.
While BBPS is India-specific, similar bill-payment infrastructures exist across emerging markets - and the agent-network economics translate. Indonesia has GPN (Gerbang Pembayaran Nasional), Philippines has InstaPay / PESONet, Egypt has Meeza, Nigeria has NIBSS, Kenya has M-Pesa Bill Manager, Brazil has Pix bill-payment integration. Each of these markets has hundreds of millions of bill-paying citizens, similar offline-agent ecosystems and similar agency-network economics.
For travel-tech platforms with regional ambitions, expanding bill-payment alongside travel into these markets creates compounding business value. The same agency network that sells travel can sell bill payment, with similar commission economics and similar agent loyalty dynamics. The shared technology stack (wallet, agent management, settlement, reporting) makes the marginal cost of adding bill payment to a travel platform very low while revenue impact is substantial.
adivaha's utility / bill-payment integration was originally built for Indian BBPS but has expanded to support similar protocols in 8+ countries. The agency-side experience stays consistent (same wallet, same agent management, same reporting) while the back-end routing handles country-specific compliance, settlement and biller integration.
Industry data on bill-payment additive revenue.
Yes - fully aligned with BBPS protocols mandated by NPCI for all utility, telecom, DTH, gas and insurance bill payments. We are connected through licensed BBPOU partners.
Travel agents already serve the same customer base. Bill payment adds steady recurring revenue, increases agent loyalty to your portal, and turns once-a-year travel customers into monthly users. Most agencies see 2x-3x agent retention after launching bill payment.
Commissions vary by service: 1-3% on mobile recharge, 0.5-1.5% on electricity/gas/DTH, fixed-fee on FASTag and insurance. Master-agent / sub-agent splits configurable per agency.
BBPS infrastructure auto-handles failures: failed transactions are auto-refunded to the wallet within 24 hours. Real-time success rates are 99%+ on properly configured systems.
No - you operate under our licensed BBPOU partner. You don't need a separate BBPS licence; we provide the infrastructure and you operate as a sub-agent under our umbrella.
Daily settlement to your bank account. Sub-agent commissions auto-deducted from master-agent wallet. Reconciliation reports tie every transaction to its consumer ID, agent ID and revenue line.
