The Billo Network
Four Assets. One Network.
Directory · AI · Multi-Rail Payments · UX — fed by every biller source on the planet
Sources
🇨🇦
CCIN — Payments Canada
Canadian biller registry
Utilities · Telecom · Gov · Banks
Direct
🇺🇸
RPPS (Mastercard)
US bill payment registry
Thousands of enrolled billers
MC Partnership
🌐
Bilrs
Multi-market aggregator
2,500+ billers · 14 markets · LATAM, Asia, MENA
Partnership
🔌
Deck
Consumer-discovered
Portal scrape for the long tail any registry misses
Partner
⚡
Billo-Native (BRN)
SMBs self-onboard at billopay.app
Get a Billo Reference Number consumers pay to
Proprietary
The Billo Network
⚡
Billo Network Engine
Four assets. Each separable. Each sellable. Stronger together.
📂
Billo Global Biller Directory
Canonical, BBID-keyed catalog. Every biller — one ID, forever, across every market.
🧠
Billo AI
Sits across all four. Categorization · Conversational pay · Routing intelligence · Anomaly detection
💱
Multi-Rail Payments
VoPay (acceptance) → Billo Float → Bilrs · CCIN · RPPS (payout). Routed per transaction.
🎨
UX — D2C + Embedded
Consumer brand for diaspora. White-label module for partner banks/fintechs/telcos.
Outputs
🪪
BBIDs (Billo Biller IDs)
One stable identity per biller, mapped to every source. Survives source changes.
🔐
Verified Connections
KYC-linked biller accounts (BAIDs)
Customer & account validation
🌍
Cross-Border Bill Payment
CAD · USD · MXN · INR · PHP · NGN
Multi-currency, multi-rail settlement
🔄
Single API, Any Rail
EFT · Interac · ACH · Card · Stablecoin
The orchestration layer partners can embed
💡
AI Insights
Spend patterns · Anomaly detection
Predictive bill alerts · Routing intelligence