The Bharat Bill Payment System (BBPS), operated by NPCI Bharat BillPay Ltd (NBBL) under RBI’s regulatory framework, is India’s interoperable bill-payment platform. Bharat Bill Payment Operating Units (BBPOUs) must meet security and system-audit requirements to participate.
The BBPS ecosystem
| Entity | Role |
|---|---|
| NBBL (NPCI Bharat BillPay) | Operates the central unit and sets technical/security specifications |
| BBPOU | Bank/non-bank operating unit that onboards billers or provides customer channels |
| Agent institutions / agents | Customer touchpoints for bill payment |
| Billers | Utilities and service providers whose bills are paid via BBPS |
Audit scope
- System and application security audit of the BBPOU platform.
- Compliance with NBBL/BBPS technical and security specifications.
- VAPT of applications, APIs and infrastructure.
- Data protection, access control and settlement-integrity checks.
- Incident management and reporting.
Process
- Scope the BBPOU systems, APIs and interfaces to BBPS.
- Perform application and infrastructure VAPT.
- Assess against BBPS/NBBL security requirements.
- Remediate findings and retest.
- Issue the CERT-In empanelled system audit report for NBBL/RBI submission.
Evidence checklist
- BBPOU architecture and integration diagrams.
- VAPT reports for applications, APIs and infrastructure.
- Mapping to NBBL/BBPS security specifications.
- Access-control, data-protection and settlement-integrity evidence.
- Remediation and retest records.
- Final CERT-In empanelled system audit report.
How CyberSigma helps
CyberSigma is CERT-In empanelled — we perform the BBPOU system/security audit and VAPT against NBBL/BBPS specifications, remediate with your team and issue the report NBBL and RBI require.
Frequently asked questions
Who performs the BBPS audit?
A CERT-In empanelled auditor performs the system/security audit for BBPOUs. CyberSigma is CERT-In empanelled.
Who regulates BBPS?
BBPS operates under RBI’s regulatory framework and is operated by NPCI Bharat BillPay Ltd (NBBL); participants must meet its security specifications.
Official documents
CyberSigma resources
Need help with BBPS Audit?
CERT-In empanelled, PCI QSA senior auditors can take you from reading about it to compliant — with a scoped, guided programme.