AI-driven bill payments, on your terms
Kapi is a sovereign AI API gateway that powers AI-driven bill payment systems. Connect to thousands of billers — utilities, telecom, finance, and government — through a single unified API with on-soil data residency and regulatory-grade compliance.
One API. Every biller.
Skip the integration nightmare. Connect to thousands of billers across categories through a single gateway.
Utilities
- Electricity
- Water & Sewage
- Gas
- LPG
- Broadband & ISP
- Cable & DTH
Telecom
- Mobile postpaid
- Mobile prepaid recharge
- Landline & FTTH
- Data plans
- International roaming
- OTT subscriptions
Financial Services
- Credit card bills
- Loan EMIs
- Insurance premiums
- Mutual fund SIPs
- Brokerage
- NBFC payments
Government & Tax
- GST payments
- Income tax
- Property tax
- Traffic challans
- Education fees (govt.)
- Municipal services
Lifestyle & Recurring
- Rent
- Society maintenance
- Healthcare bills
- School & college fees
- Cloud subscriptions
- SaaS
Cross-Border
- International bill payments
- Cross-currency settlement
- Remittance integration
- Foreign tax payments
- Multi-region biller routing
- Compliance-aware routing
Built for AI-native payment systems
Everything you need to give AI agents safe, sovereign, and reliable payment capabilities.
Unified Biller API
One integration to thousands of billers across utilities, telecom, finance, government, and cross-border. No need to integrate each provider individually.
Agentic Payment Orchestration
AI agents can autonomously pay bills with policy guardrails. Approval flows, spending limits, fraud checks, and human-in-the-loop for sensitive transactions.
Sovereign by Design
On-soil data residency, country-specific deployments, and full data sovereignty. Comply with RBI, GDPR, and local payment regulations natively.
Intelligent Routing
AI-driven payment routing across UPI, NEFT, IMPS, RTGS, BBPS, cards, and wallets. Optimizes for cost, speed, success rate, and compliance per transaction.
Bank-Grade Security
PCI DSS Level 1 compliant, mTLS for biller connections, hardware security modules (HSM) for key management, and end-to-end transaction encryption.
Real-Time Reconciliation
Automated reconciliation with billers, dispute management, refund automation, and full ledger visibility. Settlement reports in real time.
Smart Notifications
Event-driven webhooks for payment success, failure, refunds, and biller updates. AI-powered anomaly detection alerts you to suspicious activity instantly.
Audit & Compliance
Immutable audit trails, regulatory reporting templates, KYC/AML integration, and exportable compliance evidence for auditors and regulators.
Pay any bill in 3 lines of code
Clean, predictable APIs designed for AI agents and traditional applications alike. Comprehensive SDKs, webhooks, and tool-calling schemas for LLMs.
- REST API with OpenAPI 3.0 specification
- Native SDKs for Python, Node.js, Go, Java
- Tool-calling schemas for OpenAI, Anthropic, Gemini
- Webhook events for every transaction state
- Sandbox environment with realistic biller mocks
{
"biller_id": "in_electricity_bescom",
"consumer_id": "12345678901",
"amount": 245000,
"currency": "INR",
"payment_method": "auto",
"agent_id": "ai_agent_001",
"policy": {
"max_amount": 500000,
"require_2fa": false
}
}{
"transaction_id": "txn_kapi_8x2pK",
"status": "settled",
"rail": "BBPS",
"biller_ref": "BES2024030812345",
"settled_at": "2024-03-08T10:32:00Z"
}Powering payment innovation
From AI personal finance agents to sovereign government infrastructure.
AI Personal Finance Agents
Build AI agents that pay bills on behalf of users with policy controls, spending limits, and human approvals for high-value transactions.
Embedded Bill Payment in Banking
Integrate comprehensive bill payment capabilities into neobanking, super-apps, and traditional banking applications with one API.
Sovereign Government Payments
Deploy on government infrastructure with full data residency, audit compliance, and offline-resilient payment capabilities for citizen services.
Enterprise Accounts Payable
Automate vendor payments, recurring bills, and cross-border settlements with AI-driven approval workflows and policy enforcement.
Telco & Utility Aggregation
Telecom operators and utilities can offer one-stop bill payment to their customers across all categories through a single API.
AI Assistant Integrations
Connect Kapi to ChatGPT-style assistants, voice agents, and conversational interfaces to enable natural language bill payments safely.
Security and compliance, built in
Built to meet the most demanding regulatory and security requirements in finance.
Frequently Asked Questions
What is Kapi API Gateway?
Kapi is a sovereign AI API gateway designed to handle AI-driven bill payment systems. It provides a unified API that orchestrates payments to thousands of billers across utilities, telecom, finance, government, and cross-border categories — with built-in AI agents, sovereign data residency, and regulatory-grade security.
What does sovereign AI mean in this context?
Sovereign AI means the entire payment infrastructure — including AI models, transaction data, and customer information — stays within national borders or your private cloud. Kapi can be deployed on-soil to comply with country-specific regulations like India's RBI guidelines, EU's GDPR, and other regional data sovereignty laws.
How does Kapi enable AI agents to pay bills?
Kapi exposes payment capabilities through structured tool-calling APIs that AI agents can invoke. Policy guardrails, spending limits, approval workflows, and fraud checks are built in, allowing AI agents to autonomously handle bill payments while keeping humans in control of sensitive transactions.
Which billers does Kapi support?
Kapi connects to thousands of billers across utilities (electricity, water, gas), telecom (mobile, broadband), financial services (credit cards, loans, insurance), government (taxes, fees), lifestyle (rent, healthcare, education), and cross-border categories. New billers are continuously added.
Can I deploy Kapi on my own infrastructure?
Yes. Kapi supports cloud, hybrid, and fully on-premise deployments. For regulated industries and sovereign deployments, the entire stack — including AI inference — can run inside your private network or government infrastructure with no external dependencies.
What are the security and compliance certifications?
Kapi is PCI DSS Level 1 compliant, ISO 27001 certified, and RBI-compliant for Indian payment processing. It uses Hardware Security Modules for key management, mTLS for biller connections, end-to-end encryption, and AI-powered fraud detection. Compliance evidence is exportable for auditors.
How does AI-powered routing work?
Kapi's AI-driven router selects the optimal payment rail (UPI, NEFT, IMPS, RTGS, BBPS, cards, wallets) for each transaction based on real-time success rates, cost, speed, biller preferences, and compliance requirements. This maximizes payment success while minimizing cost.