# Bill Payment Validator
source: https://developer.mastercard.com/bill-payment-validator/documentation/index.md

## Overview {#overview}

This service is provided on behalf of the Mastercard Remote Payment and Presentment (RPPS) Bill Payment Processing Network, which supports consumer to business "push" bill payments (i.e. those which are not funded by debit/credit card transactions) in the U.S.

The service:

1. Allows RPPS Originators to request RPPS bill payment transaction validation prior to transmitting the corresponding RPPS payment (financial) transaction
2. Responds indicating if the payment transaction information passes/fails the specified Biller ID's RPPS payment processing edits (e.g. account masking, account check digits, payment amount limits, etc.)

The service is an extension of RPPS payment processing but does not replace RPPS batch/file-based transaction processing.

Access is restricted to RPPS Originators who send consumer bill payments (e.g. Banks, Financial Institutions, FinTech Providers and Walk-In Payment Providers etc.) to the RPPS network.

## How It Works {#how-it-works}

1. Consumer initiates bill payment instructions with bank, financial institution, fintech provider, or walk-in payment provider (the RPPS Originator)
2. RPPS Originator submits Bill Payment Validator request containing consumer's bill payment transaction information
3. Mastercard RPPS generates Bill Payment Validator response indicating if the payment information passes/fails RPPS transaction for the specified biller ID
4. RPPS Originator takes action based on the Bill Payment Validator response

## Next Steps {#next-steps}

Sandbox registration and self-service testing for this service is handled through Mastercard Developers. Production access is requested and granted though Mastercard Developers once Sandbox testing is complete and the required RPPS contract amendment has been executed.