- NPCI Bharat BillPay Limited unveils Bharat Connect for Business as unified B2B digital infrastructure for Gujarat’s industrial ecosystem
- AI-driven reconciliation, fraud detection and predictive billing to transform invoice-to-cash cycles for MSMEs
- Seamless integration with SAP, Oracle, Tally and existing ERPs enables fully automated invoicing, collections, settlement and accounting
- Bank-grade encryption, RBI-compliant architecture and India-based data localisation ensure enterprise-grade security and trust
- Platform positions Gujarat’s MSMEs for global competitiveness, cross-border payments and next-generation digital trade
NE BUSINESS BUREAU
AHMEDABAD, FEB 26
In a transformative leap for Gujarat’s 43 lakh MSMEs, NPCI Bharat BillPay Limited (NBBL) has, on Thursday, positioned its Bharat Connect for Business platform as the state’s next-generation digital payment and invoice infrastructure—designed to automate workflows, accelerate cash flow, and future-proof enterprises in an increasingly digital economy.
Built as a unified, interoperable B2B connectivity layer, Bharat Connect for Business addresses one of the biggest pain points for MSMEs—fragmented invoice management, delayed payments, manual reconciliation, and disconnected ERP systems. For Gujarat’s powerhouse industrial clusters in Ahmedabad, Rajkot, Vadodara and Surat, the platform promises to bring real-time financial visibility, automation and compliance across entire supply chains.
Launched in 2024 and already processing over two million invoice-based transactions in Q3 FY26—with consistent 50% month-on-month growth—the platform is rapidly emerging as India’s foundational digital rail for enterprise payments.
At its core, Bharat Connect for Business enables MSMEs to automate invoice delivery, collections, reconciliation and settlements while integrating seamlessly with existing ERP systems, eliminating the need for costly infrastructure overhauls.
Underlining the platform’s transformative impact, Noopur Chaturvedi, MD & CEO, NBBL, said, “Gujarat’s large and dynamic MSME sector can benefit greatly from a robust B2B digital infrastructure like Bharat Connect for Business. Its interoperable digital ecosystem delivers tangible, far-reaching benefits enabling businesses to reduce operational friction, improve liquidity management, and gain clearer visibility across their processes. Banks and fintechs, in turn, benefit from access to standardised data that supports more accurate and efficient credit assessments. It also helps promote smoother dispute resolution by reducing ambiguities across invoices and payments.”
She further added, “With Bharat Connect for Business, MSMEs can integrate their existing ERP and business systems, making payments, collections, and reconciliation faster and more streamlined, ultimately supporting more resilient and scalable operations. The platform leverages advanced AI and automation to enable real-time reconciliation, intelligent payment routing, predictive billing insights, and automated fraud detection using pattern recognition and anomaly monitoring. This dramatically reduces manual intervention while improving operational accuracy and financial control for enterprises.”
Addressing integration and automation readiness, she said, “Bharat Connect is designed as an interoperable digital layer that integrates seamlessly with leading ERP platforms including SAP, Oracle, and Tally, without requiring businesses to replace their existing systems. It supports end-to-end automation—from invoicing and collections to settlement and accounting—ensuring faster workflows, improved transparency and seamless financial operations across enterprise environments.”
On cybersecurity, compliance and resilience, Chaturvedi emphasised, “The platform is built on enterprise-grade cybersecurity frameworks with bank-level encryption, tokenisation, secure APIs, and multi-factor authentication. It incorporates failover redundancy, real-time monitoring and high-availability infrastructure to ensure uninterrupted service during peak loads or cyber threats. Bharat Connect operates fully within RBI’s digital payments regulatory framework, with built-in compliance controls, audit trails, and governance mechanisms that ensure transparency, accountability and regulatory adherence.”
Highlighting ecosystem collaboration and innovation balance, she added, “Bharat Connect is designed to complement—not disrupt—the fintech ecosystem. Its open, interoperable architecture enables banks, fintechs, and ERP providers to innovate on top of a trusted digital infrastructure while ensuring fair access, standardisation and a level playing field across the ecosystem.”
On global ambitions and dispute protection frameworks, she concluded, “NPCI is actively working with regulators and ecosystem stakeholders to explore enabling cross-border B2B payments through Bharat Connect, which could strengthen India’s digital diplomacy and position its payment infrastructure as a global export. In terms of accountability, the platform operates under clearly defined liability and dispute resolution frameworks involving NPCI, banks and participating enterprises, ensuring transparent governance, shared responsibility and strong protection against fraud, disputes and technical failures.”
Beyond automation, Bharat Connect for Business also strengthens MSMEs’ access to financing by enabling verified, standardised invoice data—allowing lenders to assess creditworthiness faster and more accurately.
The platform is already integrated with leading ERP and business solution providers such as Tally Prime, Zoho ERP, Easebuzz, Open and mSwipe, ensuring MSMEs can onboard quickly without disrupting existing operations.
As India generates over 150 crore GST e-invoices annually and Gujarat continues to lead in manufacturing, engineering, textiles and chemicals, Bharat Connect for Business is poised to become the digital backbone powering MSME growth, efficiency and global readiness.
