🌎 Bill Pay Infrastructure for Financial Institutions

Your customers already
need to pay bills.
Give them a reason to stay.

Billo is the bill payment stack powering the next generation of banking. 164,000+ billers across Canada, the US, Mexico, Jamaica — plus India via BBPS launching Q3 2026. Fully embedded into your existing product in weeks.

164K+

Billers across CA / US / MX

<2 wks

Average integration time

3 rails

EFT · ACH · SPEI via 1 API

99.9%

Uptime SLA

How It Works

One API. Five countries.
Every biller your customers need.

We've done the hard work — aggregating biller networks, negotiating access, and building the payment rails. You ship the feature.

Embed the SDK

Drop our white-label bill pay module into your app. Fully styled to match your brand. Native iOS, Android, and React components included.

~1 week

Connect to the API

RESTful JSON API with full sandbox. Webhooks for real-time payment events. OpenAPI spec, Postman collection, and SDKs for Node, Python, and Java.

1–3 days

Go Live

Your users can pay any of 164,000+ billers, schedule recurring payments, and pay bills for family members abroad — all within your product.

Same-day settlement

API-First Design

Built for developers who hate complexity.

Single endpoint handles biller lookup, payment initiation, and status tracking across all five countries. We abstract all the gnarly rail-specific logic so you don't have to.

🔁

Unified biller search

One query returns billers from Dye & Durham (CA), Mastercard Bill Pay (US/MX), tapi/Arcus network (MX), and BBPS (IN) — ranked by relevance.

⚡

Real-time payment rails

EFT (Canada), ACH/RTP (US), SPEI (Mexico). We route to the fastest available rail automatically.

🔔

Webhook-first events

Payment confirmed, biller accepted, settlement complete — every state change fires a webhook in real time.

// Initiate a cross-border bill payment
POST /v1/payments

{
  "biller_id": "jps-jm-001",
  "account_ref": "ACC-4821",
  "amount": 4200,
  "currency": "JMD",
  "payer_currency": "CAD",
  "for_beneficiary": {
    "name": "Grace Johnson",
    "relationship": "parent"
  }
}

// Response
{
  "status": "confirmed",
  "payment_id": "pay_3xK9m...",
  "settled_at": "2026-02-23T...",
  "fx_rate": 0.00672,
  "cad_charged": 28.23
}

White-Label Ready

Your brand. Your experience. Our engine.

The Billo module disappears completely behind your product. Users see your logo, your colours, your tone. We're the infrastructure they never think about.

🎨

Full theme customisation

CSS variables override our defaults. Match your design system exactly — fonts, colours, radius, density.

📱

Native mobile SDKs

React Native, iOS Swift, and Android Kotlin packages. Drop into your existing app shell in hours.

🌎

Localised for diaspora

English, French, Spanish, Hindi, and Jamaican patois UI strings. Currency display handles CAD, USD, MXN, JMD, INR natively.

Choose your branding: TD Bank | RBC | Scotiabank

TD Bill Pay Powered by billo

Bills Due This Week

Hydro One

$89.45

Overdue

JPS — Mom's electricity

~$28.00

Due Feb 25

The Billo Network

The infrastructure numbers
that matter to your compliance team.

164K+

Verified billers
across 5 countries

CA · US · MX

Cost to go live
sandbox environment

Free sandbox

Commercial contracts
needed to access all billers

D&D + Mastercard

99.9%

API uptime SLA
guaranteed in contract

Enterprise SLA

Use Cases

Built for the institutions
serving the next generation.

🏦

Traditional Banks

Replace your legacy bill pay portal with a modern, cross-border capable experience. Your customers stop logging into external sites. Engagement stays inside your app.

TD · RBC · Scotiabank · BMO

🚀

Neobanks & Fintechs

Add bill management as a core feature in weeks, not years. No biller contracts to negotiate, no compliance team for each payment rail. Just ship.

Koho · Wealthsimple · Float

💸

Remittance Platforms

Stop sending cash — start paying bills. Let users choose a specific biller, account, and amount. The recipient gets a paid receipt, not just a wire transfer.

Remitly · Western Union · Wise

Pricing

Simple, usage-based pricing.
No surprises.

Startup

until $10K monthly volume

✓ Full sandbox access

✓ 164K+ billers (CA/US/MX)

✓ Standard webhooks

✓ Email support

— White-label UI kit

— SLA guarantee

Ready to give your customers
every biller they'll ever need?

Get sandbox credentials today. No contract, no credit card. Full API access with 164,000+ test billers.

✓ PCI-DSS Level 1 ✓ SOC 2 Type II ✓ FINTRAC Registered ✓ FinCEN MSB

Your customers alreadyneed to pay bills. Give them a reason to stay.

One API. Five countries.Every biller your customers need.

Built for developers who hate complexity.

Your brand. Your experience. Our engine.

The infrastructure numbersthat matter to your compliance team.

Built for the institutionsserving the next generation.