Best AEPS Software for Agents in India

Are you looking for the best AEPS software for agents in India to start or grow your digital payment business? With the increasing demand for Aadhaar Enabled Payment System services, agents now have the opportunity to provide cash withdrawal, balance enquiry, mini statement, and Aadhaar to Aadhaar fund transfer to customers across urban and rural areas.

The right AEPS software for agents ensures secure Aadhaar authentication, high transaction success rate, fast settlement, real-time reporting, and multi-bank support, making it easy to manage daily transactions efficiently. With a trusted Aeps platform, agents can earn steady commission income, serve more customers, and build long-term business growth with low investment.

The best AEPS software for agents comes with a simple dashboard, real-time reports, and easy Aeps API integration, making it convenient for agents to manage multiple transactions and track commission. High-performance Aeps biometric devices and secure authentication ensure safe and trusted Aeps services for both agents and their customers.

At Aeps India, we focus on helping agents choose user friendly Aeps software, reliable, and scalable AEPS software that meets their business needs. Whether you are a new agent or looking to upgrade your existing system, selecting the best AEPS software is the key to providing safe Aeps service, fast Aeps service, and convenient financial services while maximizing your profits.

At Aeps India, we provide a reliable, scalable, and secure AEPS software solution for agents designed to help you grow your digital banking business. Our Aeps platform focuses on fast transactions, high commission Aeps software, and strong technical support, helping agents expand their network and build long-term profitability.

If your goal is to increase daily income, serve more customers efficiently, and build a trusted digital payment business, choosing the best AEPS software for agents in India is the first step toward success in 2026 and beyond.

This guide will help you understand the features, benefits, and advantages of the top AEPS software for agents in India, so you can confidently start or expand your AEPS business in 2026.

What is AEPS Software for Agents

AEPS Aadhaar Enabled Payment System software empowers agents and local retailers to offer essential banking services cash withdrawal, balance inquiry, and mini-statements using Aadhaar authentication and biometrics. Top Aeps platform like Aeps India offer secure, high-uptime, and user friendly Aeps software for mobile/desktop Aeps applications that turn shops into mini-banks, allowing agents to earn commissions on transactions. 

AEPS Software Works for Agents

AEPS software empowers agents to act as mini-banks, allowing them to offer essential Aeps banking services cash withdrawal, balance enquiry, and mini-statements using only a customer’s Aadhaar number and Aeps biometric authentication. It bridges financial gaps in rural areas, enabling instant, secure, cardless transactions. 

How AEPS Software Works for Agents

• Setup: Agents connect a Aeps biometric device (fingerprint/iris scanner) to a smartphone or computer running the AEPS software/app.
• Customer Authentication: The customer provides their 12-digit Aadhaar number, selects their bank, and uses their Aeps fingerprint to authorize the transaction.
• Transaction Processing: The software links to the NPCI network, instantly connecting to the customer’s bank account to complete the transaction.
• Instant Settlement: Upon successful transaction, the cash is provided to the customer, and the agent’s digital wallet is credited with the withdrawn amount plus a commission. 

AEPS Services Supported – Cash Withdrawal, Balance Inquiry & Mini Statement

Aadhaar Enabled Payment System (AEPS) enables secure, bank-led financial transactions via micro ATM or Business Correspondents (BC) using Aadhaar authentication. Supported Aeps services include instant cash withdrawal, balance inquiry, mini statements, Aadhaar-to-Aadhaar fund transfers, and BHIM Aadhaar Pay. It allows interoperable banking, requiring only the Aadhaar number and fingerprint, with daily transaction limits often ranging from ₹25,000 to ₹50,000. 

Key AEPS Services & Details:

• Cash Withdrawal: Users can withdraw cash from their Aadhaar-linked bank accounts through a BC agent.
• Balance Inquiry: Real-time checking of the available balance in the linked account.
• Mini Statement: Provides a quick overview of the last few transactions.
• Aadhaar to Aadhaar Fund Transfer: Enables direct money transfers between two Aadhaar-linked accounts.
• Cash Deposit: Allows depositing cash into a bank account, though availability may vary by BC point.
• BHIM Aadhaar Pay: A merchant-specific service for receiving payments via Aeps biometric authentication. 

Essential Information:

• Authentication: Requires fingerprint/biometric authentication.
• Requirements: Bank account must be linked to Aadhaar.
• Limits: Typically, a single transaction limit is ₹10,000, with daily limits often up to ₹50,000 depending on the bank.
• Interoperability: Transactions can be done at any bank’s BC point, not just the user’s home bank. 

Who Can Use AEPS Software for Agents

AEPS software can be used by small business owners, shopkeepers (Kirana, mobile recharge, cyber cafes), and individuals looking to provide Aeps banking services, specifically targeting rural or underserved areas. Agents must be 18+ years old, possess a PAN/Aadhaar card, a bank account, and a best Aeps biometric device to register. 

Key Individuals Eligible to Use AEPS Software as Agents:

• Kirana Shop Owners: Retailers can add banking to their best Aeps services.
• Mobile Recharge/Electronic Shops: Already tech-enabled, making them ideal partners.
• Cyber Cafes & CSC Centers: Individuals running digital service centers.
• Business Correspondents (BCs): Individuals authorized by banks to offer financial services.
• Unemployed Youth/Individuals: Looking to start a low-investment, commission-based business.

Benefits for Agents:

• Commission Income: Earn money on cash withdrawals, balance inquiries, and mini-statements.
• Footfall: Attract more customers to existing shops.
• Low Investment: Requires minimal capital for Aeps setup.

Why Use AEPS Software for Agents

Fast Aeps software enables agents to provide secure, real-time, cardless banking services like cash withdrawals and balance inquiries using biometric authentication. It acts as a “mini-bank” for local retailers, increasing customer footfall, boosting revenue through commissions up to ₹15 per transaction, and expanding financial inclusion in rural areas. 

Key Reasons to Use AEPS Software for Agents:

• Boost Earnings: Agents generate steady, daily income by earning attractive Aeps commissions on transactions, such as cash withdrawals, deposits, and balance inquiries.
• High Security & Trust: Utilizing Aadhaar-based biometric authentication (fingerprint/Aeps iris) ensures transactions are secure and reduces fraud, building trust with customers.
• Easy Setup & Accessibility: Requires minimal investment, often just a smartphone or desktop, a biometric scanner, and the Aeps b2b software, allowing small shops to become banking points.
• Real-Time Transactions & High Success Rate: Modern AEPS platform provide instant, fast, and reliable transaction processing with 99.9% uptime, reducing failures.
• Expanded Customer Base: Particularly in rural and semi-urban areas, AEPS provides access to banking services for customers who may not have debit cards or easy access to physical bank branches.
• Multiple Service Offerings: Beyond just withdrawals, agents can provide mini-statements, fund transfers, and sometimes integrate bill payments/recharges, creating a one-stop service shop. 

Core Features of Reliable AEPS Software:

• API Integration: Secure aeps api, fast Aeps API, and stable Aeps API to connect with NPCI.
• Instant Settlement: Immediate settlement of funds into the agent’s wallet.
• Detailed Reporting: Real-time, transparent reporting for transactions and earnings.
• 24/7 Technical Support: Quick troubleshooting to ensure uninterrupted service. 

Using a Aeps india is an AEPS software provider helps agents, retailers, and financial firms digitize their services, ensuring high reliability and efficiency. 

Top Use Cases of AEPS Software for Agents

AEPS software for agents such as kirana store owners and banking correspondents to transform their shops into “mini-banks” by facilitating cardless, secure biometric transactions. Key use cases include cash withdrawals, balance inquiries, mini-statements, Aadhaar-to-Aadhaar transfers, and direct benefit transfers (DBT). 

Top Use Cases of AEPS Software for Agents

• Cash Withdrawals (AePS & Micro ATM): Agents can process cash withdrawals using a customer’s Aadhaar number and fingerprint/iris scan, eliminating the need for physical debit cards or PINs.
• Balance Inquiry & Mini-Statement: Provides real-time, instant access to account balances and recent transaction history for customers.
• Cash Deposits: Enables agents to accept cash deposits into Aadhaar-linked bank accounts, reducing the need for customers to visit distant bank branches.
• Aadhaar-to-Aadhaar Fund Transfer: Facilitates secure, instant money transfers between two Aadhaar-linked accounts.
• Direct Benefit Transfer (DBT) Access: Serves as a vital channel for rural residents to withdraw government subsidies, pensions, and wages (e.g., MGNREGA).
• Aadhaar Pay (Merchant Payments): Allows merchants to accept digital payments directly from a customer’s bank account using Aadhaar authentication, often with higher transaction limits.
• Commission-Based Earnings: Agents earn commissions on every Aeps transaction (roughly ₹7–₹10 or more), increasing revenue and driving customer footfall.
• Instant Settlement & Reporting: Aeps india offers T+0 (same day) or real-time settlement of funds into the agent’s wallet, along with 24/7 transaction tracking. 

These top Aeps services bridge the gap in rural financial infrastructure by providing essential banking access at the doorstep. 

Required Documents to Start AEPS Services as an Agent

To start AePS service as an agent, you primarily need your Aadhaar card, PAN card, a bank account (with passbook/cancelled cheque), a registered mobile number, and a Aeps biometric scanner (fingerprint device). Additionally, proof of business address (shop/office) is required for KYC, and you must register with an AEPS service provider like Aeps india. 

Key Documents Checklist

• Aadhaar Card: Must be active and linked to your mobile number and bank account.
• PAN Card: Necessary for identity verification and tax compliance.
• Bank Account Details: A cancelled cheque or bank statement/passbook for settlement of transactions and commissions.
• Proof of Address/Business: Utility bill, shop rental agreement, or Shop & Establishment Certificate.
• Photographs: Recent passport-sized photos.
• Mobile Number & Email: Active, preferably linked to Aadhaar for OTP verification.

Hardware & Technical Requirements

• Biometric Scanner: STQC-certified Aeps fingerprint device (Mantra) or an Aeps iris scanner.
• Smartphone or Computer: With a stable internet connection.

High Commission AEPS Platform for Agents

In 2026, the high commission AEPS market in India is driven by Aeps platforms offering up to ₹15–₹20 per transaction for agents, particularly on high-value withdrawals (₹3,000–₹10,000). Aeps india prioritize instant Aeps sommission settlement (T+0), 99.9% uptime, and free or low cost Aeps onboarding for retailers. 

Here are the key high commission AEPS platform snippets for agents in 2026:

1. Top High-Commission Platforms (2026)

• AEPS India: Recognized as a Aeps india for high volume Aeps transactions, offering up to ₹13 + ₹2 bonus per transaction (total ₹15) for agents.
• Noble Web Studio: Highlights one of the highest payout structures, offering up to ₹15–₹16 per transaction for Super Prime Retailers with free Aeps agent ID registration.

2. Typical AEPS Agent Commission Structure (2026)

Agents earn higher commissions on larger transaction amounts (slabs): 

• ₹100 – ₹999: ₹2.00 per transaction.
• ₹1,000 – ₹1,499: ~₹3.00 per transaction.
• ₹1,500 – ₹1,999: ~₹4.50 per transaction.
• ₹2,000 – ₹2,999: ₹5 – ₹7 per transaction.
• ₹3,000 – ₹10,000: ₹10 – ₹13+ per transaction (sometimes up to ₹15–₹20 with Super Prime/Special rates).
• Balance Inquiry/Mini Statement: ~₹1 – ₹5 per transaction.
• Aadhaar Pay: Allows charging up to 1% on high-value transactions up to ₹50,000.

3. Key Platform Features & Benefits

• Instant/Same-Day Settlement (T+0): Ensures immediate transfer of funds to the agent’s bank account, crucial for maintaining cash flow.
• High Success Rate (>98%): Minimizes transaction failures to build trust and increase volume.
• Comprehensive Services: Beyond cash withdrawals, platforms bundle Mini-ATMs, Domestic Money Transfer (DMT), BBPS (utility bills), and PAN card services.
• Low Cost/Free Onboarding: Aeps b2b platforms offer free Aeps agent registration, with low-cost options ranging from ₹99 to ₹1,250.
• Mandatory Security (2026 Rules): As of Jan 1, 2026, platforms must support L1-certified Aeps biometric devices and enforce “One Operator, One Bank” rules. 

4. Operational Tips for Maximum Earnings

• Focus on High-Value Slabs: Prioritize transactions of ₹3,000 or more to maximize Aeps commission (₹10–₹15+ range).
• Volume-Based Incentives: High volume Aeps agents can earn an additional ₹2,000–₹10,000+ monthly in incentives.
• Utilize Aadhaar Pay: Use Aadhaar Pay for transactions exceeding ₹10,000 (up to ₹50,000) to increase revenue. 

Why Agents Need the Best AEPS Software in India

Agents in India need the best Aadhaar Enabled Payment System software to maximize Aeps commissions (₹5,000–₹15,000+ monthly), ensure high transaction success rates with 99.9% uptime, and provide secure, biometric-authenticated banking services. Top Aeps platforms offer essential reliability, instant settlements, and diversified services like, DMT services, BBPS services, and Mini ATMs, boosting foot traffic and income. 

Key Reasons for Adopting the Best AEPS Software:

• Higher Earnings and Incentives: The best Aeps platforms, such as Aeps india, offer superior commission structures, sometimes up to ₹15 per transaction for high-volume, “Super Prime” agents. Agents can earn additional income from balance inquiries, mini-statements, and Aadhaar Pay.
• High Success Rates and Reliability: Top Aeps software ensures 99.9% uptime, which is critical for reducing transaction failures and building customer trust, especially in rural areas with poor connectivity.
• Secure Transactions: The best Aeps systems are compliant with NPCI and RBI guidelines, utilizing secure biometric (fingerprint/iris) authentication to minimize fraud risks.
• Comprehensive Service Offerings: Beyond cash withdrawals, the best Aeps platform integrate Domestic Money Transfer (DMT), Bharat Bill Payment System service (BBPS), and mobile/DTH recharges, turning a shop into a “one-stop-shop”.
• Instant Settlement: Real time Aeps settlement of transactions ensures agents have immediate access to funds, crucial for maintaining liquidity.
• Easy Business Expansion: The Aeps service software requires low investment, usually just a smartphone or computer with a Aeps biometric scanner, making it accessible for small retailers to boost customer footfall. 

Aeps india is a reliable, high-performing AEPS provider is essential for long-term business growth and providing efficient banking services in underserved areas. 

Features AEPS Software for Agents

AEPS software for agents to provide banking services like cash withdrawals, deposits, balance inquiries, and mini-statements using Aadhaar-based biometric authentication. Key features include 24/7 real-time transactions, high success rates (>98%), instant Aeps commission settlements, secure UIDAI/NPCI compliance, and multi bank Aeps, multi Aeps device (mobile/desktop) interoperability. 

Key Features of AEPS Software for Agents

• Core Banking Services: Provides instant cash withdrawal, cash deposit, balance inquiry, and mini-statement generation.
• Biometric Security: Utilizes fingerprint or iris scanner data for secure, Aadhaar-based authentication.
• Real-Time Transactions & Instant Settlement: Aeps india provides immediate transaction processing and fast, often instant, settlement (T+0/T+1) for agents, improving cash flow.
• Comprehensive Banking Services: Enables a wide range of services including cash withdrawal, cash deposit, balance inquiry, mini-statement, and Aadhaar-to-Aadhaar fund transfers.
• Interoperability: Allows customers to access their accounts from any bank through any AEPS-enabled agent, increasing the customer base.
• Agent Management Dashboard & Reporting: Features a user friendly Aeps Dashboard, real time Aeps dashboard for agents to track daily transactions, commissions, and earnings.
• High Success Rate & Reliability: Ensures dependable service with high success rates, crucial for building trust, particularly in rural, unbanked regions.
• Instant Commission/Payout: Provides immediate settlement for agents, ensuring constant working capital.
• Easy Integration & Accessibility: Aeps india offers flexible Aeps API integration for web portals and Android Aeps apps, allowing easy adoption into existing retail Aeps setups, even with low-connectivity support.
• BHIM Aadhaar Pay: Facilitates merchant payments, allowing agents to accept payments directly from a customer’s bank account.
• Compliance & Scalability: Adheres to NPCI, RBI, and UIDAI guidelines, with the capability to handle higher volume Aeps transaction. 
• User-Friendly & Multi-Device: Simple, intuitive interfaces available on both Android mobile Aeps apps and web portals.

Operational & Business Benefits

• White Labeling & API: Allows fintech firms and agents to integrate custom, white label Aeps API solutions into existing Aeps b2b platforms.
• High-Volume Scalability: Aeps Designed to handle large,, high-frequency,, daily transaction volumes for retail chains and startups.
• 24/7 Technical Support: Provides round-the-clock, support for troubleshooting, transaction failures, and, system, management.
• Enhanced Inclusion: Extends Aeps banking API services to remote or rural, areas, often where traditional, banks are not available.

These Aeps software solutions are essential for Kirana stores, business correspondents, and fintech startups aiming to act as “Aadhaar ATMs”. 

Benefits AEPS Software for Agents

AEPS software offers agents, retailers, and business correspondents a lucrative, low-investment opportunity to generate income by offering essential Aeps banking API services like cash withdrawals, deposits, and balance inquiries. It increases customer footfall, provides secure, biometric-based transactions, and ensures instant, real time Aeps settlements, making it an essential tool for boosting revenue and enhancing financial inclusion in local communities. 

Key Benefits of AEPS Software for Agents:

• Additional Revenue Streams: Agents earn attractive Aeps commissions ranging up to ₹13 per transaction on services like cash withdrawals, balance inquiries, and mini-statements.
• Increased Customer Footfall: Aeps india offering essential banking services attracts more customers to retail shops, increasing the potential for sales of other products and services.
• High-Security & Reliability: Utilizing Aadhaar-based biometric authentication (fingerprint/iris) significantly reduces fraud risks, ensuring safe transactions. Top Aeps admin platforms offer 98%+ uptime.
• Low Cost & Easy Setup: The best Aeps system requires minimal investment, needing only a smartphone or computer and a registered biometric device.
• Secure & Trustworthy Transactions: Utilizing Aadhaar-based biometric authentication reduces fraud risks and builds customer trust.
• Real-Time Settlement & Liquidity: Agents benefit from instant or fast settlement of funds, improving cash flow management.
• Enhanced Reputation: Becoming a authorized Banking Correspondent (BC) builds trust within the local community.
• Wide Range of Services: Agents can provide diverse services, including cash withdrawals, mini-statements, balance inquiries, and Aadhaar-to-Aadhaar fund transfers.
• Support for Rural Areas: Enables financial services in unbanked or remote areas, fulfilling a critical need and supporting Digital India initiatives. 
• Business Growth Opportunity: By acting as a local bank branch, agents can foster customer loyalty and expand their service portfolio, enhancing their reputation. 

Essential Features for Agents:

• Multi-bank Connectivity: Ensures higher transaction success rates.
• 24/7 Technical Support: Minimizes downtime for continuous operations.
• Real-Time Reporting: Aeps india offers instant tracking of transactions and earnings. 

AEPS API Integration for Agent Software

AEPS API integration involves partnering with an NPCI-certified Aeps india, completing Aeps KYC/Aeps onboarding, obtaining Aeps API credentials, and integrating Aeps biometric RD services for secure, Aadhaar-based transactions. Key steps include setting up callbacks for real-time status updates, testing in a sandbox, and deploying STQC-Aeps certified biometric scanners. 

Steps to AEPS API Integration Process:

• Partner with an NPCI-Certified Provider: Select a reputable Aeps India based on commission structure, reliability, and security.
• KYC and Registration: Complete the Aeps KYC verification by submitting business documents, PAN, and bank details. Adhere to the “One Operator, One Bank” rule as of 2026.
• Obtain API Credentials: Receive Aeps API keys, Aeps Merchant ID (MID), and documentation, usually within 24-48 hours.
• Acquire and Register Biometric Devices: Purchase Aeps L1 Devices (RD) (fingerprint/iris scanners) and register them with the Aeps india.
• Technical Integration:
  • Backend: Implement Aeps API for cash withdrawal, balance inquiry, and mini-statements.
  • Frontend: Configure user interface for Aadhaar input and biometric capture.
  • Security: Implement encryption (e.g., AES-256) for biometric data, as per PID (Personal Identity Data) guidelines.
  • Callback URL: Set up a secure HTTPS POST URL to receive real-time transaction updates.
• Sandbox Testing: Thoroughly test transactions, Aeps API response handling (JSON/XML), and callback mechanisms in the Aeps india sandbox environment.
• Go Live: Move from the sandbox to the production environment to begin live transactions.
• Monitoring and Compliance: Monitor transactions for successful reconciliation. Ensure compliance with 2026 regulations, such as the 3-month inactivity re-KYC rule. 

Technical Requirements

• Documentation: Review the provided Aeps API documentation for endpoints, request parameters, and response formats.
• PID Data: Serialize PID data for biometric authentication.
• Hardware: L1 Registered Aeps Fingerprint/Iris Scanner.
• Timeframe: Typically 3-8 weeks. 
• Hash Generation: Properly generate the request hash for authentication, as shown in the fast Aeps API documentation.
• SDK/Library: Use the provided SDK, such as the Eko AEPS Javascript library, for web integration. 

Post-Integration Steps

• Agent Onboarding: Use the AEPS API Onboard User AEPS API to register agents or merchants.
• Service Activation: Activate AEPS service for the Aeps onboarded users (e.g., service_code = 52). 

The process generally takes 3–8 weeks, and for fintechs, AEPS API setup cost range from ₹12,000 to ₹35,000. 

AEPS Software Development and Technical Support

AEPS software development involves a secure, 3-8 week, 7-stage SDLC process: requirement gathering (NPCI guidelines), design, fast Aeps API integration, Aeps development, rigorous testing, deployment, and maintenance. Key steps include partnering with Aeps india, implementing RD-compliant biometric devices, and ensuring data security for transactions. 

Detailed Steps for AEPS Software Development

Requirement Analysis & Planning

1. Gather requirements based on NPCI (National Payments Corporation of India) and RBI guidelines.
2. Define project scope: Android AEPS app, web portal, or both.
3. Secure necessary legal agreements with Aeps india.

Designing the System Architecture:

1. Design Aeps software with user-friendly, secure interfaces for agents and Aeps admin panel.
2. Plan secure data storage and transaction flow, focusing on data privacy.

AEPS API Integration & Development:

1. Integrate AEPS API (cash withdrawal, balance inquiry, mini-statement).
2. Integrate Aeps biometric RD (Registered Device) services (e.g., Mantra).
3. Implement secure transaction logic using encryption for Aadhaar data.

Testing and Quality Assurance (QA):

1. Conduct sandbox testing Aeps API responses and error handling.
2. Perform rigorous security testing, including penetration testing, to protect user data.
3. Load testing to ensure the system handles concurrent transactions.

KYC & Compliance Verification:

1. Complete mandatory Aeps KYC documentation (Aadhaar, PAN, bank details).
2. Ensure compliance with NPCI and UIDAI security standards.

Deployment & Go-Live:

1. Move from sandbox to production environment.
2. Deploy the Aeps application on web servers or the Google Play Store.

Maintenance & Support:

1. Provide continuous monitoring of transactions.
2. Aeps india offer 24/7 technical support for troubleshooting and updates. 

Key Components

• Biometric Device: Certified Aeps Fingerprint/Iris Scanner.
• API Provider: A secure, authorized Aeps india.
• Admin Panel: For monitoring, reporting, and agent management.
• Transaction Security: End-to-end encryption for biometric data. 

The development usually takes 3-8 weeks, with Aeps API costs ranging from ₹12,000 to ₹50,000 depending on the Aeps india and features.

Commission Structure for AEPS Agents

AEPS agents and Aeps retailers in India typically earn a tiered commission of ₹2 to ₹15+ per cash withdrawal, with higher, 0.40%–1% rates for transactions of ₹3,000–₹10,000. Commissions are usually settled weekly or monthly. Common earnings include ₹2-₹3 for mini-statements and ₹10-₹13+ for large cash withdrawals. 

Typical 2026 AEPS Commission Structure for Agents

• ₹100 – ₹999: ₹2.00 per transaction
• ₹1,000 – ₹1,499: ₹3.00 per transaction
• ₹1,500 – ₹1,999: ₹4.50 per transaction
• ₹2,000 – ₹2,499: ₹5.50 per transaction
• ₹2,500 – ₹2,999: ₹5 – ₹8 per transaction
• ₹3,000 – ₹10,000: Up to ₹13–₹15+ per transaction
• Balance Inquiry/Mini Statement: ₹1 to ₹7 per transaction 

Key Aspects of the Commission Structure

• High-Value Transactions: Transactions above ₹3,000 often yield the highest Aeps commission, sometimes calculated as 0.40% to 1% of the total amount.
• Service Providers: Aeps software development Company like Aeps India, and Noble web studio offer slightly varying rates, with Aeps India offering up to ₹15 per transaction for prime agents.
• Additional Incentives: Agents can earn extra, such as ₹25 for Aadhaar-linked account openings or monthly incentives for highest volume Aeps transactions (e.g., ₹2,000 for specific targets).
• Structure Components: In the AEPS system, the revenue earned from each transaction is shared between banks, service providers, distributors, and agents. Every level gets its part based on the transaction.Retailers earn commission on every successful transaction they perform. The more transactions they complete, the more they earn. Attractive bonus slabs are also available for active retailers.
• AEPS India offers up to ₹15 commission per AEPS transaction for super prime retailers, making it a profitable option for those who want to increase their daily income.
• Distributor Commission: Aeps india typically receive a smaller commission, around ₹1–₹2, on top of the agent’s earnings. 

Key Details

• Aadhaar Pay: Agents can charge customers 1% of the transaction amount for high-value transactions.
• Monthly Incentives: High volume Aeps platform offer monthly incentives (e.g., ₹2,000 extra) for meeting specific, high-volume, or service targets.
• Settlement: Aeps Commissions are often credited weekly, with monthly bonuses by the 5th of the following month.
• Structure Variations: Aeps india offer a flat rate per tier, others, like Airtel Payments Bank, may provide a percentage (e.g., 0.07% on cash-out amount).

Example of Earnings

If an agent processes 100 withdrawals in a month, with an average commission of ₹10 per transaction, they can earn ₹1,000 in commission.

AEPS Software for Agents Cost

The cost AEPS software for agents in India varies based on the type of solution (white label Aeps software, custom Aeps software development, or ready-made Aeps B2B portal), generally ranging from ₹15,000 to over ₹1 lakh for Aeps software setup, with additional per-transaction charges. 

Key Cost Breakdown (2025–2026 Estimates)

• White-Label AEPS Portal: ₹15,000 – ₹35,000 (Pre-built, branded as your own).
• Custom AEPS Software/API Development: ₹1 lakh – ₹4.5 lakh+ (Full, customize Aeps API integration with banks like ICICI or Yes Bank).
• Setup Fees: Initial Aadhaar Enabled Payment System setup fees for integrating Aeps API can range from ₹12,000 to ₹35,000.
• Ready-made B2B/Admin Software: ₹35,000 – ₹60,000 (Individual software/pieces).
• Agent/Retailer ID Registration: Often free, but some charge ₹500 to ₹3,000. 
• Agent Registration: Individual agents can register AEPS services for a minimal fee, often around ₹99, or sometimes for free through Aeps india.
  

Common Fee Structures

• Setup Fee: One time Aeps setup cost to start.
• Transaction Fees & Commissions: Agents usually earn commissions ranging from 0.5% to 1% per transaction, with Aeps india offering commissions up to ₹12-₹15 per transaction. 
• Annual Maintenance Charges (AMC): Often applied to custom Aeps software, often around ₹30,000–₹40,000 per year.
• Support & Hosting: Monthly or yearly maintenance for white label Aeps portals.

Key Considerations

• Features: Higher-cost Aeps solutions usually include additional services like money transfer service, bill payments, and recharge (recharge software, etc.).
• Support: Aeps india offer 24-hour service and better security protocols.
• Monthly Costs: High Commission Aeps platforms operate on a monthly subscription model, with prices around ₹40,000 per month for comprehensive Aeps B2B setup.

Key Factors Affecting Price

• Provider Reputation: Experienced companies (e.g., Noble Web Studio, Aeps india) may charge more for better uptime and support.
• Included Services: Packages might include MATM (Micro ATM), DMT (Domestic Money Transfer), and PAN card services.
• Hardware: Biometric device cost (Fingerprint scanner) is usually separate (approx. ₹2,000–₹3,000). 

Security Standards and UIDAI Compliance for Agents

Secure AePS software for agents requires strict adherence to UIDAI and NPCI guidelines, featuring STQC-certified Aeps L1 biometric devices, mandatory agent KYC, and “One Operator, One Bank” compliance. Essential security includes end-to-end encryption (E2EE) of PID blocks, no storage of sensitive data, and real-time transaction monitoring. 

Key Security Standards & Compliance

• Registered Devices (RD Service): As of 2026, only STQC-certified Level 1 (L1) biometric devices are allowed to capture encrypted fingerprints or iris scans.
• Data Encryption & Protection: Encrypted PID blocks must be transmitted via secure channels; the agent’s application must not store Aadhaar numbers, biometric data, or PINs.
• Mandatory KYC: Agents (Banking Correspondents) must complete full KYC (Aadhaar, PAN) and undergo re-KYC if inactive for 3 months.
• “One Operator, One Bank” Rule: An agent can link only one bank for AePS transactions.
• Transaction Limits: Adherence to RBI/NPCI limits (e.g., ₹10,000 per transaction) and no extra fees charged to customers. 

Components of a Compliant AePS Software

• Secure Authentication: Biometric data must be signed securely within the device’s Registered Device (RD) service.
• Audit Trails: Agents must maintain records and transaction logs for at least 2 years.
• Secure Onboarding: Partner with NPCI-certified Aeps India that offer compliant Aeps API integrating, enabling secure cash withdrawal, balance inquiry, and mini-statement services.

Best Practices for Agents

• Use only registered, certified biometric devices.
• Ensure the smartphone or computer has up-to-date security Aeps admin software.
• Never share login credentials or customer data. 

Aeps india – Best AEPS Software for Agents

Aeps india is the Best AEPS Software for Agents provider for requires prioritizing security (NPCI certification), a 98%+ transaction success rate, and instant (T+0) settlement to maintain cash flow. Agents should look for user-friendly Aeps apps, high commission Aeps structure (up to ₹15/transaction), 24/7 technical support, and added services like Micro ATM service and BBPS service. 

Key Factors for Choosing AEPS Software

• Security & Compliance (Non-Negotiable): Aeps india is registered with the National Payments Corporation of India (NPCI) and adheres to RBI guidelines, including L1-certified Registered Devices (RD) and biometric liveness detection.
• Transaction Reliability: Select high volume Aeps software with high uptime (99.9%) and a high success rate (98% or more) to avoid customer frustration and loss of trust.
• Settlement Speed & Commissions: Aeps india offering instant (T+0) or same-day settlements to keep working capital available. Look for transparent, competitive Aeps commission structures that maximize earnings.
• User-Friendly Interface: The best Aeps application should be intuitive for easy use on both mobile and desktop, supporting quick biometric-based (fingerprint/iris) transactions.
• Multi-Service Functionality: Choose affordable Aeps platform offering comprehensive services beyond cash withdrawal, including Mini Statements, Balance Enquiry, DMT, and Bharat Bill Payment System (BBPS).
• Customer Support: 24/7 technical support via phone or WhatsApp is crucial for quick issue resolution.
• Scalability: If growing, Aeps india offering white label AEPS, which allows for branded, customized Aeps platform.

How to Choose Best AEPS Software Provider in India

Aeps india the best AEPS software provider in India requires prioritizing NPCI authorization for security, high transaction success rates ($\geq$98%), and 24/7 technical support. Aeps india offer competitive Aeps commissions (up to ₹15–₹17 per transaction), instant (T+0) settlements, and user-friendly, secure, L1-certified biometric, or facial, authentication. 

Key Factors for Selecting an AEPS Provider

• Security & Compliance: Aeps india is authorized by the National Payments Corporation of India (NPCI) and adheres to RBI guidelines, offering secure, encrypted biometric (fingerprint/iris) authentication to prevent fraud.
• System Reliability & Success Rate: Aeps india with a high uptime (99.9%) and a transaction success rate of 98% or higher to avoid failures and maintain customer trust.
• Commission Structure & Income: Compare payout models, targeting Aeps india offering competitive commissions (e.g., ₹12–₹15 per transaction) to maximize earnings.
• Instant Settlement (T+0): Aeps india that offer instant or same-day (T+0) settlements to keep your working capital active.
• Support & Functionality: Ensure 24/7 technical support is available, along with additional services like Mini ATM service, BBPS software service, or DMT API services to expand your business.
• Verified Hardware Compatibility: The software must support L1-certified (Level 1) biometric devices to comply with 2026 security standards. 

Why Choose Aeps india for AEPS Software for Agents Solutions

Aeps india is a top AEPS software provider for agents is critical for ensuring high-security, 99.9% uptime, and maximum earnings (₹12–₹15+ per transaction). Aeps india delivers compliant,, fast-settlement (T+0) systems with 24/7 support, enabling, agents to offer reliable, biometric-based,, banking services including, BBPS, DMT, and Micro ATM which boosts, customer trust and maximizes revenue. 

Here is why you should choose a professional AEPS software solution:

1. High-Profit Potential and Revenue Generation 

• Attractive Commissions: Earn significant daily income, typically ₹2 to ₹15+ per transaction, with higher payouts for larger amounts.
• Tiered Commission Structure: Aeps india offer higher commissions (up to ₹13-₹15) for transactions over ₹3,000.
• Increased Customer Footfall: Aeps india offering banking services increases store traffic, boosting sales of primary products.
• Multiple Income Streams: Secure Aeps platforms often bundle other services like Domestic Money Transfer (DMT), BBPS, and DTH recharges, maximizing earnings. 

2. Enhanced Security and Regulatory Compliance 

• Biometric Security: Transactions are authenticated using unique fingerprints or iris scans, minimizing fraud risk.
• NPCI/RBI Compliance: Reliable, Aeps india adhere to strict, legal, and secure operations.
• Future-Ready: Aeps software solution are updated to meet 2026 mandates, including mandatory full Aeps KYC for agents. 

3. Reliable Performance and Fast Settlement 

• High Success Rates: Trusted Aeps software guarantees over 98% transaction success rates, reducing customer frustration.
• Instant/Fast Settlement (T+0): Funds are settled immediately or on the same day, ensuring consistent working capital.
• 99.9% Uptime: Reliable Aeps platforms ensure the service is available 24/7.
• Superior Reliability & Uptime: High-performance infrastructure ensures 99.9% uptime, significantly reducing transaction failures and enhancing customer trust.

4. User-Friendly Technology and Support 

• Easy Integration and Setup: Simple Aeps onboard requiring only a smartphone, internet connection, and a biometric device.
• Scalability & User-Friendly Interface: The Aeps software design to grow with the business, offering intuitive Aeps app and easy integration for, seamless, Aeps software onboarding. 
• High Security & Compliance: Aeps india are certified by NPCI/RBI, ensuring all transactions use secure, encrypted, biometric (fingerprint/iris) authentication to protect against fraud.
• 24/7 Technical Support: Aeps india are dedicated support helps resolve issues immediately.
• White Label Solutions: Enables larger businesses to launch services under their own brand. 

Summary of Benefits for Agents

• Low Investment: Minimal capital required to start.
• High Earnings & Liquidity: Substantial commissions with instant settlement.
• Cardless Convenience: Attracts a wide customer base without needing cards or PINs.
• One-Stop Shop: Aeps india offers banking, recharges, and bill payments.

Aeps india is a professional AEPS solution provider, you ensure long-term, sustainable, and profitable business growth in the competitive digital fintech space.

Future Scope of AEPS Software for Agents in India

Future AEPS software for agents is shifting toward hyper-secure, AI-driven, and comprehensive “rural financial hub” models. By 2026, systems will prioritize strict RBI-mandated liveness detection, advanced biometric authentication (face/iris), and instant (T+0) settlements, while evolving beyond cash withdrawals into offering micro-loans, insurance, and UPI integration for agents. 

Key future trends shaping AEPS software for agents include:

• Hyper-Security & Compliance (Post-Jan 2026): Stricter NPCI and RBI guidelines are enforcing two-factor authentication, mandatory liveness detection, and advanced, secure device standards to prevent spoofing.
• AI/ML-Driven Fraud Detection: Real-time monitoring using Artificial Intelligence and Machine Learning will analyze transaction patterns, instantly flagging unusual, high-risk activity.
• Comprehensive Rural Financial Hubs: AEPS service Platforms are expanding from simple cash withdrawals to becoming one-stop shops, integrating micro-loans, insurance, digital gold, and BBPS (Bharat Bill Payment System).
• Advanced Biometrics & Authentication: A shift from basic fingerprinting to advanced, secure face and iris authentication.
• Mobile-First and User-Friendly Interfaces: Increased focus on highly responsive Aeps Android app and simplified user interfaces (UI/UX) to accommodate agents with varying digital literacy, including voice-based transaction capabilities.
• Mobile-First & Cloud-Based: User friendly Aeps, Aeps Android-based, and highly intuitive interfaces are becoming standard for managing transactions and tracking commissions.
• Increased Integration with UPI and Wallets: Deeper Aeps api integrated with Unified Payments Interface (UPI) will allow seamless, instant transfers between best AEPS and other digital wallets.
• Blockchain for Transparency: Implementation of blockchain technology to ensure secure, immutable, and transparent transaction records.
• Higher Transaction Success Rates: Advanced Aeps API technology are pushing for 99.9% uptime and >98% success rates, ensuring minimal downtime for agents.
• High-Profitability Structure: Agents can expect better earnings, with Aeps india offering up to ₹15–₹16 per transaction, particularly on high-value transactions (₹3,000-₹10,000).
• White Label Solutions: Increased demand for customize Aeps platform, branded AEPS platforms (White Label) for agents, startups, and fintech companies. 
• Instant Settlement (T+0): Demand for immediate, same-day settlement of funds into agent wallets, increasing liquidity and trust.
• Deep UPI Integration: Seamless UPI and digital wallet integration to create a unified digital payment experience.

Conclusion

Choosing the best AEPS software for agents in India is essential for building a profitable and reliable digital payment business. With the growing demand for top AEPS service like cash withdrawal, balance enquiry, mini statement, and Aadhaar to Aadhaar fund transfer, agents can now provide secure and instant Aeps in banking services to customers across urban and rural areas.

Aeps india is the right AEPS software provider in India ensures fast settlement, multi-bank support, secure biometric authentication, and real-time transaction reports. Agents benefit from a Profitable Aeps platform that works without downtime, handles high transaction volumes, and keeps customer data safe.

A trusted AEPS service software ensures high transaction success rate, fast settlement, secure Aadhaar authentication, easy Aeps API integration, multi-bank support, and real-time reporting. These features help agents manage their business efficiently, reduce errors, and earn consistent commission income.

Before selecting smooth AEPS software, it is important to evaluate security standards, UIDAI compliance, user-friendliness, uptime performance, and commission structure. Aeps india is a reliable Aeps software provider enables agents to scale their operations, serve more customers, and stay competitive in India’s digital payments market.

In 2026 and beyond, the demand for AEPS software services will continue to grow. Agents who choose the right AEPS service software today can build a long-term, stable, and high-profit business while delivering safe, fast, and convenient financial services to their customers.

At Aeps India, we provide a secure, high performance AEPS software solution for agents designed to support long-term business growth. Our high performance Aeps platform focuses on speed Aeps platfom, reliability, and maximum earnings potential, helping agents expand their digital banking services with confidence.

Partner with a trusted AEPS software provider like Aeps india and Noble web studio and start building a successful AEPS agent business in India with confidence.

FAQ – Best AEPS Software for Agents in India