Bill Payments | QwikLive API

POST /api/ssb/accountservices/{version}/transactions/billpayments

Executes a bill payment from a member account to a registered biller. Both biller.institutionId and biller.bin are required from v1.0.5.

Operation ID: BillPayments

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Breaking Change — biller.bin Required from v1.0.5

biller.bin is required from EAPI v1.0.5. Requests missing biller.bin will return 400 Bad Request. Update all existing bill payment integrations.

head.description string Yes

Transaction description. Example: "ATM Bill Payment"

transaction.rrn string Yes

12-digit RRN.

transaction.type string Yes

Must be: BILLPAYMENT

deviceInfo.terminalId string Yes

ATM terminal ID.

deviceInfo.terminalLoc string Yes

Terminal location.

deviceInfo.acceptorId string Yes

Acceptor ID.

paymentInstrument.account.id string Yes

Account to debit for the bill payment.

institution.id string Yes

Financial institution ID.

biller.institutionId string Yes

Biller institution ID. Sandbox: "600001"

biller.bin string Yes

Biller BIN. Required from v1.0.5. Sandbox: "600001"

amount.amount number Yes

Payment amount.

amount.currencyCode string Yes

ISO 4217 currency code.

json

{
  "head": {
    "acquirerId":  "10001",
    "description": "ATM Bill Payment"
  },
  "transaction": {
    "rrn":  "250603001080",
    "date": "20260603",
    "type": "BILLPAYMENT"
  },
  "deviceInfo": {
    "terminalId":  "ATM00001",
    "terminalLoc": "100 Main St, New York NY 10001",
    "acceptorId":  "ACCEPTOR000001"
  },
  "paymentInstrument": {
    "account": { "id": "DDA1234567890" },
    "card":    { "pan": "543100XXXXXXXXX0781" }
  },
  "institution": { "id": "000100" },
  "biller": {
    "institutionId": "600001",
    "bin":           "600001"
  },
  "amount": { "amount": 150, "currencyCode": "USD" }
}

balances[].type string

Balance type after payment.

balances[].amount number

Updated balance.

status.responseCode string

"000" = payment posted successfully.

status.authId string

Authorization ID.

branch.* object

Branch ID, name, and address.

json — 200 OK

{
  "transaction": {
    "rrn":  "250603001080",
    "type": "BILLPAYMENT"
  },
  "paymentInstrument": {
    "account": { "id": "DDA1234567890" }
  },
  "institution": { "id": "000100" },
  "biller": {
    "institutionId": "600001",
    "bin":           "600001"
  },
  "amount": { "amount": 150, "currencyCode": "USD" },
  "branch": {
    "id":      "BR-001",
    "name":    "Main Street Branch",
    "address": "100 Main Street, New York, NY 10001"
  },
  "balances": [
    { "type": "Available", "amount": 4671.50, "currencyCode": "USD" }
  ],
  "status": { "authId": "AUTH08", "responseCode": "000" }
}

Common Error Scenarios

Error	Cause	Resolution
400 Bad Request	Missing `biller.bin`	Add `biller.bin` to all bill payment requests. Required from v1.0.5.
404 Not Found	Biller not registered in core banking	Verify `biller.institutionId` and `biller.bin` against the registered biller list.
responseCode 110	Insufficient funds	Account balance below payment amount. Offer a lower amount or different account.