BillerAPI Documentation
One integration for account linking, normalized bill data, payments, imports, insights, and customer messaging.
What your users see
Hosted by BillerAPIFind your biller
Search supported billers
Share your bill data
Springfield Utility → Acme App
Log in to Springfield Utility
Entered here only — never sent to Acme App
Choose accounts to link
2 accounts found at Springfield Utility
The most common path. Region selection appears between consent and credentials for region-gated billers, and an MFA or security-question step appears after login when the biller requires one.
The hosted Elements flow — your user links their biller in under a minute. You never touch credentials.
How it fits together
Three moves. Two of them are yours; the middle one is the flow above.
Try it now
curl https://sandbox.api.billerapi.com/v1/billers \
-H "Authorization: Bearer $BILLERAPI_API_KEY"Use a sandbox API key from the developer dashboard. Get your first key to link accounts and retrieve bills.
Start with the outcome
Choose a workflow now; the same API key, environments, errors, and webhooks apply across the platform.
Connect biller accounts
Let a user securely connect a biller account so bills can stay current.
Retrieve and sync bills
Fetch normalized bills and keep your product current as they change.
Import a bill from an unlinked account
Add a PDF or image now, then connect when supported so future bills sync automatically.
Schedule bill payments
Collect a payment method and schedule payment for an eligible bill.
Required for every production integration
Keep connected-account experiences complete
Display biller messages
Persist and surface every accepted message from a connected biller with its identity, account context, category, content, and received time.
Handle signed webhooks
Verify signatures, process retries idempotently, fetch the canonical resource, and reconcile missed or delayed delivery.
Getting Started
Go from zero to your first API call in under 5 minutes.
Start buildingAPI Reference
Every endpoint, parameter, and response, organized by resource.
View referenceGuides
The end-to-end account linking and bill retrieval flow.
Read guidesHow BillerAPI works
Create a Link Session
Your server calls POST /v1/link-tokens to get a link token for the hosted Elements flow.
User connects their biller account
Elements guides the user through selecting a biller and entering credentials.
Exchange the public token
Your server exchanges the one-time public token for a durable account_link_id and a link-scoped access token.
Retrieve bills
Use your server API key with account_link_id to list bills via GET /v1/bills. Webhooks notify you of new bills.
Base URL
https://sandbox.api.billerapi.comSee Environments for production URLs.
Authentication
Authorization: Bearer bak_test_...See Authentication guide for details.