Best AEPS API Providers in India for Startups and Retailers

In today’s digital payment era, AEPS (Aadhaar Enabled Payment System) has become one of the most trusted and convenient ways for businesses to offer secure cash withdrawals, balance inquiries, and fund transfers. For startups and retailers in India, integrating a reliable AEPS API provider can help grow their business, attract more customers, and increase daily earnings.

An AEPS API provider like AEPS India offers the necessary tools and infrastructure for startups and retailers to integrate the Aadhaar Enabled Payment System (AEPS) into their existing platforms or applications. AEPS allows individuals to perform basic banking transactions using their Aadhaar number and biometric authentication (like a fingerprint scan) at a merchant’s location or micro-ATM. 

Choosing the best AEPS API provider like Aeps India ensures smooth transactions, 24/7 uptime, and high commission opportunities. Whether you’re a small retailer or a growing fintech startup, having a trusted Aeps India allows you to deliver fast, secure, and government-approved financial services to your customers.

In this blog by AEPS India, we’ll explore the top AEPS API providers in India, their key features, and how the right solution can help you boost your business revenue and build customer trust in 2025.

What is AEPS API Provider

An AEPS API provider is a company that offers the necessary infrastructure to integrate the Aadhaar Enabled Payment System (AEPS) into other applications or platforms. These Aeps India enable businesses to offer customers basic banking services like cash withdrawals, deposits, and balance inquiries using their Aadhaar number and biometric authentication at a merchant location or via a micro-ATM. Popular providers include Aeps India. 

AEPS API Provider Work

AEPS India is a leading AEPS API provider work involves supplying an Application Programming Interface (API) that allows businesses to integrate the Aadhaar Enabled Payment System (AEPS) into their own applications and platforms. This integration enables customers to perform basic banking transactions, like cash withdrawals and balance inquiries, using their Aadhaar number and biometric authentication. The provider’s role is to manage the technical infrastructure, ensure secure data transfer, and handle the processing of transactions through the AEPS network, which is regulated by the National Payments Corporation of India (NPCI).  

How the work is structured

• Providing the API: The Aeps India creates and maintains the Aeps API that other businesses integrate into their systems. 
• Facilitating transactions: When a customer uses a merchant’s app or micro ATM, the best Aeps API transmits the transaction details (like Aadhaar number, bank name, and transaction type) for processing. 
• Ensuring security and compliance: Aeps India are responsible for implementing security measures like biometric encryption, end-to-end encryption, and adherence to regulatory guidelines from the RBI, NPCI, and UIDAI. 
• Managing bank integrations: The Fast Aeps API connects to multiple banks, allowing any AEPS-enabled merchant to serve customers regardless of their bank. 
• Offering technical support: Aeps India offer technical assistance for integration, troubleshooting, and ongoing support for their partners. 

Key functions of AEPS API providers

• Transaction types: Aeps India enable services such as cash withdrawal, balance inquiry, mini statement, cash deposit, and Aadhaar-to-Aadhaar fund transfers. 
• Authentication: Aeps India provide the tools for the Aeps API to work with biometric devices to authenticate the customer’s identity via the UIDAI service. 
• Real-time processing: The infrastructure Aeps India provide ensures that transactions are processed and confirmed in real-time. 
• Reporting: Aeps India offer access to transaction history and reports for businesses to better track and analyze financial activities. 

Read Blog : Everything You Need to Know About AEPS API in India

What AEPS API Providers Offer

(AEPS) Aadhaar Enabled Payment System API providers such as Aeps India offer the technology to integrate basic banking services into businesses’ platforms using Aadhaar authentication. Key offerings include Aeps APIs for services like cash withdrawal, balance inquiries, mini statements, and fund transfers, along with features for security, real-time processing, and technical support to ensure smooth integration. This allows businesses to offer financial services to customers, especially in remote areas, and promotes financial inclusion.

What AEPS API providers offer

• Integration support: Aeps India provide the necessary Aeps API documentation and technical support for businesses to integrate AEPS services into their own Aeps software or Aeps devices. 
• Core banking services: Through the Aeps API, businesses can offer a range of financial transactions, including:
  • Cash withdrawal 
  • Balance inquiry 
  • Mini statement 
  • Fund transfers 
• Aadhaar-based authentication: They facilitate secure transactions by using a customer’s Aadhaar number and biometric (fingerprint or iris) data to authenticate transactions. 
• Expanded reach: They help businesses, such as retail stores, become “mini banks” and provide access to financial services, particularly in rural and remote areas where traditional banking infrastructure may be limited. 

Core services and features

• Transaction services: Enable core banking functions like cash withdrawal, deposit, balance inquiry, and fund transfers, all based on Aadhaar-biometric authentication. 
• Real-time processing: Facilitate immediate and seamless processing of transactions. 
• Secure authentication: Use Aadhaar and biometrics for secure, cardless transactions. 
• Interoperability: Connect with multiple banks, allowing users to transact from their Aadhaar-linked accounts across different institutions. 
• Government benefit disbursal: Facilitate the direct transfer of government subsidies and pensions. 

Provider support and infrastructure

• Technical support: Offer assistance to businesses for integrating and using the Aeps API effectively. 
• Integration tools: Provide the necessary infrastructure, documentation, and support to embed AEPS features into other applications. 
• Security and compliance: Ensure strong security measures like data encryption and adherence to regulations set by the National Payments Corporation of India (NPCI). 

Business and customer benefits

• Business growth: Help businesses expand their services, reach new customers, and create new revenue streams. 
• Financial inclusion: Extend banking access to unbanked and underbanked populations, particularly in rural areas. 
• Customer convenience: Provide a simple and accessible way for customers to perform basic banking transactions without a physical branch or cards. 

Read Blog : Best AEPS Integration Providers in India 2025

AEPS API Provider for Startups and Retailers

Aeps India is an best AEPS API provider for startups and retailers offers a service that allows businesses to integrate the Aadhaar Enabled Payment System (AEPS) into their existing platforms or applications. This integration enables them to provide basic banking services to their customers using the customer’s Aadhaar number and biometric authentication. 

For Startups:

• Building Fintech Solutions: Startups can leverage AEPS API develop innovative fintech solutions focused on financial inclusion, particularly in underserved areas. This can include building mobile Aeps software or web platforms that offer AEPS services alongside other financial products.
• Expanding Service Offerings: By integrating AEPS, startups can expand their service offerings to include cash withdrawals, deposits, balance inquiries, and fund transfers, attracting a broader customer base.
• Creating New Revenue Streams: AEPS transactions generate commissions for the Aeps India, creating a new revenue stream for startups.

For Retailers:

• Becoming a Micro-ATM: Retailers can transform their shops into micro-ATMs by integrating AEPS API with their point-of-sale (PoS) terminals or dedicated devices. This allows them to offer banking services to customers, increasing footfall and customer loyalty.
• Enhancing Customer Convenience: Providing AEPS services offers a convenient way for customers to access banking, especially in areas with limited access to traditional bank branches or ATMs.
• Boosting Revenue: Retailers earn commissions on each AEPS transaction, adding to their existing revenue streams.
• Driving Financial Inclusion: By offering AEPS service, retailers contribute to financial inclusion by providing access to banking facilities for individuals who may not have access to formal banking channels.

Key features offered by AEPS API providers typically include:

• API Integration: Secure and easy-to-integrate Aeps API for various platforms (web, mobile).
• Biometric Device Integration: Support for various biometric devices (fingerprint scanners, iris scanners).
• Real-time Transaction Processing: Instant processing of AEPS transactions.
• Security Features: Robust security measures to protect sensitive data and transactions.
• Reporting and Analytics: Tools for tracking transactions, settlements, and agent performance.
• Technical Support: Assistance with integration, troubleshooting, and ongoing support.

Why Startups and Retailers Need AEPS API Provider

Startups and retailers need an AEPS API provider like Aeps India to create new revenue streams through commissions, increase customer traffic by offering banking services, and expand into new markets by serving the unbanked and underbanked, especially in rural areas. The AEPS API allows them to integrate secure, cardless financial transactions (like cash withdrawal and deposit) into their existing systems, requiring less infrastructure and promoting financial inclusion.  

Key benefits of using an AEPS API provider

• New revenue streams: Retailers and startups can earn commissions on transactions like cash withdrawals, deposits, and balance inquiries, providing a stable income source. 
• Increased customer traffic: The ability to provide essential AEPS Banking Software services acts as a draw for more customers to a business, which can also lead to increased sales of other products. 
• Expansion into new markets: By partnering with an Aeps India, businesses can serve populations in rural or remote areas that lack access to traditional banks, promoting financial inclusion. 
• Cost-effective infrastructure: Businesses can offer banking services without the high cost of setting up physical bank branches or ATMs, making it a budget-friendly option. 
• Enhanced security and convenience: AEPS uses biometric authentication (like fingerprint scans) linked to Aadhaar, which provides a high level of security and convenience, as customers don’t need a card or PIN. 
• Digital transformation: Integrated AEPS aligns businesses with the government’s push toward a cashless and digital economy. 
• Seamless integration: A well-designed Aeps API is crucial for businesses to easily integrate AEPS functionality into their existing apps and Point-of-Sale (PoS) systems. 

Read Blog : What is AEPS API? Complete Guide 2025

How to Start AEPS Services with an AEPS API Provider in India

To start AEPS services with an Aeps India, you must first choose a Aeps India and complete their online registration by submitting KYC documents like your Aadhaar, PAN, and bank details. Next, acquire a government-certified biometric device and register it with the provider. Finally, integrate AEPS API into your system to begin offering services like cash withdrawal and balance inquiry. 

1. Choose an AEPS API provider

• Aeps India is a trusted and registered AEPS API provider, considering factors like their experience, reputation, commission structure, and customer support. 
• Fill out their online registration form to begin the process. 

2. Complete KYC and registration

• Submit necessary documents for Know Your Customer (KYC) verification, which typically includes your Aadhaar card, PAN card, and bank account details. 
• Ensure your bank account is linked to your Aadhaar number, as this is required for transactions. 

3. Obtain and register a biometric device

• Acquire a compliant biometric (fingerprint) device that is certified for use with AEPS.
• Register this device with Aeps India. 

4. Integrate the API

• Integrate AEPS API provided by Aeps India into your own system or application.
• This integration allows your platform to communicate with the AEPS network to process transactions. 

5. Start offering services

• Once your account is active and the Aeps API integrated, you can begin offering services to customers. 
• These services include cash withdrawals, balance inquiries, and mini statements, all authenticated through the customer’s Aadhaar and biometrics. 

Benefits AEPS API Provider

Aeps India is a trusted AEPS API provider offers benefits such as increased security, convenience, and financial inclusion for both businesses and customers. For businesses, this includes new revenue streams and a wider customer base, while customers gain secure access to banking services like cash withdrawals and balance inquiries using just their Aadhaar and biometrics. 

For businesses

• New revenue streams: Businesses can earn commissions by offering services like cash withdrawals and balance inquiries, transforming their locations into mini-banking centers. 
• Expanded customer base: AEPS solutions attract customers, especially in areas with limited physical bank branches, leading to increased customer engagement and retention. 
• Reduced costs: Providing AEPS services is more cost-effective than setting up and maintaining traditional bank branches. 
• Scalability: The secure Aeps API can handle high volumes of transactions efficiently, making it suitable for businesses of all sizes. 
• Ease of integration: AEPS API simplify the process of adding basic banking functionality to a digital platform. 

For customers

• Enhanced financial inclusion: AEPS provides access to basic banking services in remote and rural areas where traditional infrastructure is lacking. 
• Convenience: Customers can perform transactions using only their Aadhaar number and biometrics, eliminating the need for physical cards and PINs. 
• Security: Transactions are secured through Aadhaar-based biometric authentication (fingerprint scans), making them more secure than traditional methods. 
• Access to government benefits: The system facilitates the direct and seamless transfer of government subsidies and benefits. 

Read Blog : How to Activation Aeps Service in India: Step-by-Step Guide

Features AEPS API Provider

A good AEPS API provider like AEPS India offers a range of features like cash withdrawal, balance inquiry, fund transfers, and cash deposits through Aadhaar-based biometric authentication. Key features also include multi-bank support, real-time processing, security, and easy integration Aeps platform. An Aeps India will also have features like agent and Aeps admin dashboards for management and ensure high uptime and compliance with regulations like those from the NPCI. 

Core features

• Cash Withdrawal: Allows customers to withdraw cash using their Aadhaar number and biometric verification. 
• Balance Inquiry: Enables users to check their bank account balance. 
• Fund Transfer: Facilitates transferring funds between Aadhaar-linked bank accounts. 
• Cash Deposit: Some services allow for cash deposits into bank accounts. 
• Mini Statement: Lets users view a statement of their recent transactions. 

Security and authentication

• Aadhaar-Based Biometric Authentication: Secures transactions through fingerprint or iris scans linked to the Aadhaar number.
• Multi-Layer Security: Includes features like encryption and two-factor authentication to protect user data. 

Performance and integration

• Real-Time Processing: Transactions are processed and settled instantly. 
• Interoperability: The Aeps API connects with multiple banks, allowing for seamless transactions across different financial institutions via the NPCI framework. 
• Seamless Integration: The Aeps API design to be easily integrated into existing apps, websites, and Point of Sale (POS) machines. 
• 24/7 Availability: Services are typically available around the clock. 

Management and support

• Agent and Admin Dashboards: Aeps India offer dashboards for monitoring and managing transactions and operations. 
• Developer-Friendly Documentation: Detailed documentation is provided to simplify the integration process for developers. 
• RBI & NPCI Compliance: Aeps India ensures compliance with regulatory standards, which is crucial for secure and legal operation. 

How to Integrate AEPS API in Your Business

Integrating AEPS API into a business involves several key steps to enable Aadhaar-based banking services.

1. Choose an AEPS Service Provider:

Aeps India is a best certified AEPS API provider or an approved aggregator registered with the National Payments Corporation of India (NPCI). Evaluate Aeps India based on reliability, security, support, and features offered (cash withdrawal, balance inquiry, fund transfers, etc.). 

2. Registration and KYC:

Register your business with the Aeps India and complete the Know Your Customer (KYC) verification process. This typically involves submitting documents such as your Aadhaar card, PAN card, bank account details, and business verification documents. 

3. Acquire and Register Biometric Devices:

Obtain RD Service-compliant biometric devices (fingerprint scanners or iris scanners) from a compatible vendor. Register these devices with Aeps India to ensure they can be used for authentication.

4. Obtain API Details:

Upon successful registration and verification, the Aeps India will furnish the necessary AEPS API keys, integration documentation, and potentially SDKs.

5. Integrate the API:

Integrate the provided AEPS API into your existing platform, which could be a mobile application, website, or Point-of-Sale (POS) system. This involves incorporating the API endpoints for various AEPS services.

6. Develop and Test:

Utilize the Aeps India sandbox or test environment to thoroughly develop and test the integration. Ensure all transaction flows (cash withdrawals, balance inquiries, etc.) function correctly and securely.

7. Train Staff (if applicable):

If your business involves agents or employees interacting with customers for AEPS services provide comprehensive training on using the integrated system and assisting customers.

8. Go Live:

After successful Aeps development and testing, deploy the integrated AEPS system to your live environment to begin offering AEPS services to your customers. 

Read Blog : Best AEPS Admin Panel for Startups and Fintech Companies

How to Choose The Best AEPS API provider

Aeps India is the best AEPS API provider, prioritize regulatory compliance, reliability, and security first. Then, evaluate factors like integration ease, Aeps cost, technical support, and features such as a strong Aeps admin portal and real-time settlements to ensure the Aeps India meets your business needs and offers a seamless user experience for both agents and customers. 

1. Regulatory compliance and security

• Verify NPCI certification: Ensure the Aeps India is certified by the National Payments Corporation of India (NPCI). 
• Check RBI guidelines: The Aeps India should be compliant with Reserve Bank of India (RBI) guidelines. 
• Confirm bank partnerships: Look for Aeps India with direct connections to RBI-authorized banks for secure transactions. 
• Assess security measures: The Aeps India must use robust security, such as encryption, SSL, two-factor authentication, and role-based access control. 

2. Reliability and performance

• High transaction success rate: Choose a Aeps India with a proven track record of high success rates and minimal downtime, ideally aiming for 98%+98%+. 
• Real-time processing: Look for fast biometric authentication, real-time confirmation, and instant commission updates. 
• Real-time settlement: Prioritize Aeps India that offer fast payouts to agents, such as T+1, and transparent reporting. 

3. Features and functionality

• Strong admin panel: A robust Aeps admin panel is crucial for managing agents, monitoring transactions, setting commissions, and resolving disputes efficiently. 
• Multi-bank compatibility: The Aeps system should support transactions across a wide network of banks. 
• Scalability: The Aeps API should be able to handle your current and future transaction volume as your business grows. 
• Additional services: Aeps India may offer other services like mobile recharge or bill payments, which could be a valuable addition. 

4. Ease of use and integration

• Seamless integration: The Aeps API integrate smoothly with your existing systems and infrastructure. 
• User-friendly interface: The application should be intuitive and easy to use for both agents and customers, minimizing errors. 
• Simplified agent onboarding: The Aeps India should offer support for agent onboarding, including device assignment and training. 

5. Cost and support

• Competitive commission structure: Compare commission rates and understand the entire Aeps Api cost, including licensing fees, to ensure cost-effectiveness. 
• Transparent pricing: Fees should be clear and transparent, with no hidden charges. 
• Responsive support: Look for reliable, 24/7 customer and technical support to quickly resolve issues and minimize service disruptions. 

Why Aeps India Is a Trusted AEPS API Provider

Aeps India is a trusted AEPS API provider because they offer robust security through biometric authentication and data encryption, adhere to regulatory guidelines from bodies like NPCI and RBI, and provide reliable and fast transaction processing with high uptime. These features build customer confidence, contribute to financial inclusion by extending services to remote areas, and provide seamless integration for businesses to offer banking solutions. 

Security and compliance

• Biometric authentication: AEPS relies on Aadhaar-linked biometric verification (fingerprint or iris scans) to ensure secure and fraud-free transactions. 
• Regulatory adherence: Aeps India comply with guidelines from the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI). 
• Data protection: Strong security measures, including data encryption, protect user data and financial transactions from unauthorized access. 

Performance and reliability

• Fast and reliable transactions: A good AEPS API ensures quick transaction processing, which is crucial for a positive customer experience and includes low failure rates. 
• Scalability: The Aeps API designed to handle high transaction volumes and can adapt to the growing needs of a business. 
• High availability: Aeps India offer continuous and uninterrupted service, ensuring that the Aeps platform is always available for users and businesses. 

Business and customer benefits

• Financial inclusion: AEPS extends banking services to underserved rural and remote areas, promoting financial inclusion by making services like cash withdrawal and balance inquiry accessible. 
• Seamless integration: Aeps API with clear documentation make it easy to integrate into existing applications, streamlining operations for businesses. 
• Customer trust: Secure services build customer confidence, and offering AEPS can turn a business into a local banking hub, increasing footfall and revenue. 

Read Blog : Best AEPS Software Development Company in India 2025

Future of AEPS API Provider

The future of AEPS API providers is focused on enhanced security through AI and biometrics, deeper integration with platforms like UPI and digital wallets, and increased adoption to drive financial inclusion. Aeps India will prioritize a seamless user experience, especially on mobile, and expand services beyond basic banking to include loan payments and insurance.They will also leverage technologies like blockchain and real-time settlements to improve transaction security and efficiency, and build more robust Aeps admin dashboard and multi-bank support.  

Key future trends for AEPS API providers:

• Enhanced Security: Increased use of AI and biometrics to improve security and prevent fraud. 
• Deeper Integration: Seamless integration with digital wallets, UPI, and other digital services to create a more unified financial ecosystem, including offline transactions. 
• Broader Adoption: Expanded use for disbursing government benefits and private payments, particularly in rural and underbanked areas, to promote financial inclusion. 
• Expanded Services: Moving beyond basic banking to offer more comprehensive services, such as micro-loans, insurance payments, and e-commerce payments. 
• Improved User Experience: Continued focus on mobile-first and user-friendly interfaces to make services more accessible for users with low digital literacy. 
• Technology Advancements: Increased adoption of blockchain technology for greater transparency and efficiency, alongside real-time settlements. 
• Advanced Platform Features: Development of more powerful Aeps admin software dashboards for managing agents and transactions, robust multi-bank support, and high levels of scalability and customization. 

Conclusion

Choosing the right AEPS API provider like Aeps India is one of the most important decisions for startups and retailers who want to grow in the digital payment space. Aeps India ensures secure, fast, and hassle-free transactions, helping you build trust with your customers while increasing your business revenue.

AEPS API providers like Aeps India offer Application Programming Interfaces (APIs) that allow startups and retailers to integrate the Aadhaar Enabled Payment System (AEPS) into their existing platforms or develop new applications around it. This enables them to provide basic banking services to customers using their Aadhaar number and biometric authentication. 

With the right AEPS API integration, your business can offer cash withdrawal, balance inquiry, and Aadhaar-enabled payments with ease. It not only improves your service quality but also helps you earn attractive commissions and stay ahead in the competitive market.

If you’re planning to start or upgrade your AEPS business, partnering with a trusted AEPS API provider in India, such as AEPS India, can make your digital payment journey smooth, scalable, and successful.

Frequently Asked Questions (FAQs) – Best AEPS API Providers in India for Startups and Retailers with AEPS India