Mswipe BBPS

Mswipe - Streamlining Bill Paymentswith Integrated Billing Solutions

Project Overview

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Duration

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Screens Designed

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Go-to-Market Products

About Mswipe

Mswipe is a leading FinTech company operating as a unit of the Bharat Bill Payment System (BBPS), connecting customers and billers for seamless, secure, and efficient bill payments. Through its SaaS platform, Mswipe offers an integrated solution for billing, payment processing, invoice presentation, and grievance management while ensuring full compliance with India’s financial regulations.

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Challenge

India’s fragmented bill payment ecosystem has long struggled with inefficiencies, manual processes, and regulatory complexities. Mswipe needed a unified digital platform that could:

  • Simplify and automate billing and payment processes for both customers and billers.
  • Offer real-time settlement and accurate reconciliation of transactions.
  • Ensure full compliance with BBPS guidelines, RBI regulations, PCI-DSS, and GDPR standards.
  • Scale efficiently to handle massive transaction volumes without compromising security or performance.
     

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Project Goal

  • Build the most comprehensive billing and payment SaaS platform in India.
  • Provide an intuitive, responsive, and feature-rich user experience for both billers and customers.
  • Ensure seamless scalability, robust security, and full regulatory compliance.
  • Establish Mswipe as a market leader in the Indian digital payments ecosystem.
     

Key Objectives

Streamline Billing & Payment Processes

 Automate invoicing, billing, and payment flows, reducing manual intervention and increasing transaction accuracy.

Enhance Customer Experience

Deliver a user-friendly platform with features such as bill tracking, payment reminders, and real-time grievance management.

Increase Adoption & Retention

Acquire 500 new customers per quarter while maintaining a customer retention rate of 90% or higher.

Ensure Scalability & Security

Support a minimum of 1 million daily transactions while maintaining zero security incidents.

Compliance & Regulatory Management

Achieve and maintain compliance with RBI guidelines, PCI-DSS, BBPS protocols, and GDPR regulations.

Success Metrics

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Customer acquisition growth of 500+ new customers per quarter.

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Sustained 90%+ customer retention rate.

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Capacity to handle 1 million+ transactions daily.

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Zero security incidents and full compliance with all regulatory frameworks.

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Reduced manual billing errors and improved transaction accuracy.

Our Approach

User-Centered Design Process

  • Conducted in-depth analysis of biller and customer workflows.
  • Mapped end-to-end user journeys to identify friction points and optimize interactions.
  • Focused on accessibility, performance, and ease of use for diverse user groups.

Agile Design & Development Execution

  • Delivered 850+ high-fidelity screens capturing all platform features and transaction flows.
  • Employed iterative prototyping and client reviews to fine-tune the platform in real time.
  • Prioritized security, scalability, and compliance throughout the entire design-build cycle.

Design Solution

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01 Real-Time Settlement

 Enabled instant settlement and reconciliation for all bill payments.

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02 Responsive Design

Created a fully responsive interface adaptable across all device types.
 

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03 Simple & Secure Onboarding

 Streamlined customer and biller onboarding with secure authentication and authorization flows.

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04 Real-Time Notifications

Delivered timely alerts and updates on billing, payment statuses, and dispute management.

Design Deliverables

High-Fidelity UI Designs

Comprehensive Design System

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Exported Assets

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