BPA WiKi 01
Bill Pay Accelerator
PI Developers
Business Users
Bill Pay Accelerator value
proposition and use case
journey for business users
Comprehensive Bill Pay Accelerator
Mobile App APIs, Mobile UX template
and Deployment Guide for PI developers
All Bill Pay Accelerator APIs
are fully tested on Mastercard Testing Facilities (MTF)
environment and compliant with Mastercard
Customer Implementation Services (CIS) suite
Welcome to the Bill Pay Accelerator Wiki. Bill Pay Accelerator provides mobile-ready integration APIs for a Payer Institutions (PI) to accelerate their Bill Payment Product implementation journey. Bill Pay Accelerator implements Payer specific business capabilities that a PI will need in addition to Mastercard Bill Pay Exchange implementation.

In this wiki, you will find comprehensive guides and documentation to help you start working with the Bill Pay Accelerator. Let’s jump right in!
Bill Pay Accelerator Overview
The Bill Pay Accelerator provides a comprehensive set of business capabilities to Payer Institutions to enable Mastercard Bill Pay Exchange capabilities in their digital channels. These business capabilities are offered through a set of open-source, easy to integrate APIs based on micro-services architecture and Open API standards to help Payer Institutions accelerate Mastercard Bill Pay Exchange product implementation. The Bill Pay Accelerator is fully tested in the Mastercard testing facilities. There is also optional mobile app SDK for iOS and Android.

Functionalities of the Bill Pay Accelerator can be summarised as:

 1. Simplify Payer Institution integration into the Bill Pay platform.
 2. Provide source code supporting consumers user journeys needed by Payer Institution for bill presentment and responses, such as
     consumer onboarding, bill transaction history.
 3. It is a reference implementation with built-in features enabling communication between PI’s systems and Bill Pay platform.



Bill Pay Ecosystem
Bill Pay Accelerator is the set of ready mobile app centric services which can be used by Payer Institutions to quickly integrate with Mastercard Bill Pay Exchange. It enables Payers to use the online or mobile application from Payer Institutions to easily set up Link Billers, receive notifications when a bill is due, see bill details, manage multiple bills-based Payer choice when and how much they want to pay, and receive payment confirmation.
BPA WiKi sections 3
Why Bill Pay Accelerator?
REQUIREMENT
DESCRIPTION
Onboarding
Bill Payment
Preference
Scheduled Bill
Payment Manager
Message Security
Implementation
Bills & Transaction
History
Automated Biller
Download File
Business Events &
Notification
Payment Initiation
Payer Institution is provided with API driven onboarding capability to configure PI onboarding parameters e.g. PI ID, Bill Pay verification certificate, Push Notification configurations.
Bill Pay Accelerator enables Payers to set up bill payment preferences that can be used by the PI`s mobile application for bill payment. Payers can make full payment, partial payment, auto payments configurable by date.
Bill Pay Accelerator has to manage all Payer specific scheduled bill payments and events. Scheduled bills will be auto paid based on bill payment preferences and Payer gets the notification of the payment status.
Messages exchanged between Mastercard Bill Pay Exchange and Bill Pay Accelerator are digitally signed using Mastercard’s protocol standard and used to fulfil authentication and non-repudiation requirements.
Bill Pay Accelerator has to maintain bill status, transactions and preferences. Payer can see bill details, change the payment preference for open bills, filter on basis of various statuses, and view the list of paid and pending bills.
Bill Pay Accelerator provides APIs to import full and/or partial Biller details from Automated Biller Download (ABD) files to enable PI to display available Billers for the Payer to select.
Bill Pay Accelerator has to manage Payer’s bill payment specific business events via push notification. Business events could be receiving a bill, auto-payment of a bill, a bill with zero balance or a bill with credit balance etc.
Bill Pay Accelerator
Payer Institutions are responsible for developing a best-in-class customer experience for Payers. Bill Pay Accelerator can help
you achieve that by:
1. Streamlining Mastercard Bill Pay Exchange API implementation.
2. Address additional development and business requirements to launch Bill Pay Accelerator as listed below.
Bill Pay Accelerator allows easy integration with custom payment methods but payment initiation sits outside of the Bill Pay Accelerator and PI is responsible for managing payment.
Bill Pay Accelerator Value Proposition
Mobile First API
Faster Time to Market
Open Source
Easy to use channel agnostic APIs. PI needs to focus only on UX and Payment Initiation API integration. All other business capabilities are in-built in Bill Pay Accelerator.
Bill Pay Accelerator saves 75% of development and integration time with Mastercard Bill Pay Exchange.
Bill Pay Accelerator is open sourced. PIs can download code and self-help documentation from GitHub.

Contact : [email protected]