The bills payment industry processes billions in transactions annually. Enable thousands of agents to offer utility payments, mobile recharges, and financial services through their own branded platforms—fully automated, with instant commissions and zero technical complexity.
Despite massive demand for convenient bill payment services, providers struggle to scale their agent networks efficiently.
Manual tracking of agent commissions, transaction fees, and profit splits leads to errors and disputes.
Agents need technical expertise to integrate payment APIs, manage wallets, and handle transaction processing.
Providers can't efficiently onboard thousands of agents due to complex setup and training requirements.
Managing KYC, fraud prevention, and regulatory compliance across multiple agents is challenging.
Lack of real-time reporting makes it difficult to track transactions, reconcile accounts, and detect fraud.
Manual onboarding, training, and support for each agent creates massive operational overhead.
Instant, automated white-label setup for payment agents, while you maintain full control of services, pricing, and commission structures.
Creosca allows any bills payment service provider to transform their infrastructure into a multi-layered, white-label agent network. Agents can instantly create their own branded payment platforms—fully automated, with no coding and minimal setup.
In other words, Creosca turns a regular bills payment provider into a SaaS platform that creates thousands of independent payment agents, each running their own branded business with instant commission payouts.
Four simple steps to transform your bills payment service into a scalable agent network
Install the SaaS platform on your server or subscribe to the hosted version. Connect your existing payment APIs (utility companies, mobile operators, financial services). Define service categories, commission structures, transaction limits, and pricing. The admin dashboard gives you complete control over all agents, transactions, commissions, and analytics.
Anyone interested in starting a bills payment business can sign up as an agent. They complete KYC verification, choose a custom domain or subdomain, select a ready-made payment portal template, and customize it with their branding. All without a single line of code. Within minutes, they own a complete bills payment website connected to your backend system.
When an end-customer makes a payment through the agent's branded site, the transaction is automatically processed. The payment is routed through your API to the service provider (utility, telecom, etc.). The customer receives instant confirmation and receipt under the agent's brand (white-labeled). The agent earns their commission automatically on every successful transaction.
When customers pay through the agent's website, the SaaS automatically tracks all transactions. Your service fee and the agent's commission are calculated automatically. You receive your base amount, and the agent's earnings are credited to their wallet instantly. This eliminates manual commission tracking, making the entire ecosystem run automatically with real-time settlement.
Enable your agents to offer a complete range of payment services to their customers
Pay electricity bills for all major power distribution companies with instant confirmation.
Municipal water bill payments with automatic receipt generation and SMS notifications.
Recharge internet and broadband services from all major ISPs with instant activation.
Prepaid and postpaid mobile recharges for all telecom operators with instant top-up.
Recharge DTH and cable TV subscriptions with instant activation and plan details.
Pay insurance premiums for life, health, and vehicle insurance with instant receipts.
Pay credit card bills for all major banks with instant payment confirmation.
Pay loan EMIs for personal, home, and vehicle loans with automatic tracking.
Pay gas cylinder bookings and pipeline gas bills with instant confirmation.
Regional Bills Payment Provider
The Challenge: PayEasy wanted to expand their bills payment services across multiple cities but lacked the infrastructure to onboard and manage thousands of agents. Traditional setup would require massive investment in training, support, and technology.
The Creosca Solution: PayEasy integrated their payment APIs with Creosca and launched their agent network. Agents could sign up, complete KYC, and launch their branded payment portals in under 30 minutes. All commissions were automated.
The Results:
"Creosca transformed our business model. We went from managing 50 agents manually to 2,500+ agents fully automated. The platform handles everything - KYC, commissions, settlements, and support. Our transaction volume grew 40x in just 6 months!"
- Rajesh Kumar, CEO of PayEasy Network
Everything you need to build a successful bills payment agent network
Agents can launch their payment portals in under 30 minutes with zero technical knowledge.
Automated KYC verification, fraud detection, and regulatory compliance for all agents.
Real-time commission calculation and instant wallet credits for every successful transaction.
Comprehensive dashboards with transaction reports, agent performance, and revenue insights.
Responsive payment portals that work perfectly on all devices and screen sizes.
Round-the-clock payment processing with instant confirmation and receipt generation.
Join leading bills payment providers using Creosca to build nationwide agent networks. Start onboarding agents today with zero infrastructure investment.
No setup fees • Unlimited agents • 24/7 support • Instant commission payouts