Have any question?   (+91)-9636900702   sales@aepsindia.com

AEPS Service: Complete Guide for Retailers in India

If you are searching for the best AEPS service in India, you are likely looking to start or expand a digital banking business with secure and easy transactions. The Aadhaar Enabled Payment System (AEPS) is one of the fastest-growing fintech services in India, allowing customers to withdraw cash, check balance, and access basic banking services using only their Aadhaar number and biometric authentication.

Aadhaar Enabled Payment System (AEPS) is a National Payments Corporation of India (NPCI) developed, bank-led model that allows secure, cardless, and PIN-less transactions using Aadhaar authentication. Users can perform basic banking services like cash withdrawals, deposits, balance inquiries, and mini-statements at micro-ATMs or via banking correspondents using their fingerprints or iris scans. 

Aadhaar Enabled Payment System (AEPS) is an NPCI-developed bank-led model allowing instant, interoperable financial transactions cash withdrawal, balance inquiry, mini-statement, and Aadhaar-to-Aadhaar funds transfer at micro ATM or Business Correspondent (BC) outlets using only Aadhaar authentication and fingerprint/iris scan. It enables secure, cardless, and PIN-less banking for rural and underserved populations, typically supporting transactions up to ₹10,000 per attempt. 

Many retailers, distributors, and fintech startups are looking for a trusted AEPS service provider, secure AEPS API integration, and reliable AEPS software for agents to start their digital banking business. Aeps india is a professional AEPS platform provider in India offers high transaction success rate, real-time processing, multi-bank support, fast settlement cycle, and advanced security system. These features are important to build customer trust and increase daily commission income.

Today, the demand for a reliable AEPS service provider, AEPS API integrate, and AEPS software for retailers is increasing rapidly. Retailers, distributors, and fintech startups want a trusted Aeps platform that offers high transaction success rate, real-time processing, secure biometric verification, fast settlement cycle, and multi-bank support. These features are essential for running a smooth and profitable AEPS business.

Aeps india one of the reliable AEPS API provider in India ensures high transaction success rate, fast settlement, secure biometric authentication, and multi-bank support. These features are essential for smooth operations and customer satisfaction. Instant transaction confirmation and transparent commission structure help retailers track their income easily and maintain strong cash flow.

With the right AEPS platform in India, agents can provide important services such as Aeps cash withdrawal service, Aeps mini statement service, Aeps balance enquiry service, and Aadhaar to Aadhaar fund transfer. This not only helps customers in rural and semi-urban areas but also creates a strong earning opportunity for retailers through commission-based income.

Aeps india is an AEPS service provider in India, it is important to focus on security, uptime performance, technical support, easy onboarding process, and transparent commission structure. A stable and scalable AEPS solution ensures customer trust and long-term business growth.

At Aeps India, we provide a secure, scalable, and high performance AEPS service platform designed for retailers, agents, and fintech businesses. Our goal is to support your growth with reliable technology, instant settlement, and strong technical assistance helping you build a profitable AEPS business in 2026 and beyond.

If you want to enter the growing digital payment industry, partnering with a trusted Aeps platform like AEPS India can help you build a secure, reliable, and high earning AEPS business in 2026 and beyond.

In this complete guide, we will help you understand everything about AEPS service in India and how it can help retailers, agents, and fintech businesses earn consistent income. The Aadhaar Enabled Payment System (AEPS) is one of the fastest-growing digital banking services in India. It allows customers to withdraw cash, check balance, and get mini statements using their Aadhaar number and fingerprint authentication.

What is AEPS Service in India?

The (AEPS) Aadhaar Enabled Payment System in India is a secure, bank-led model developed by the National Payments Corporation of India (NPCI). It allows users to perform basic banking transactions such as cash withdrawals, deposits, and balance inquiries using only their Aadhaar number and biometric authentication (fingerprint/iris scan) through a business correspondent or micro ATM

WHATS APP CHAT

AEPS Service Work

Aadhaar Enabled Payment System (AEPS) is a NPCI-developed, bank-led model enabling secure, cardless, and PIN-less financial transactions (cash withdrawal, deposit, balance inquiry, mini statement) via micro-ATMs or Business Correspondent (BC) agents using Aadhaar authentication and biometric scanning. It facilitates financial inclusion in rural areas with a daily limit of ₹10,000. 

Key Aspects of AEPS Service Work:

Services Offered:

  • Cash Withdrawal: Access to money without a bank card.
  • Balance Inquiry: Real-time account balance check.
  • Mini Statement: View recent transaction history.
  • Aadhaar to Aadhaar Fund Transfer: Direct transfers between accounts.
  • Cash Deposit: Depositing cash into an Aadhaar-linked account.
  • Requirements: A bank account linked to an Aadhaar number.
  • Benefits: High security via biometrics, convenience, and increased access to Aeps banking services for rural/underserved populations.
  • Transaction Limits: Typically capped at ₹10,000 per transaction and per day.
  • Safety Measures: Transactions are secure due to mandatory biometric authentication.

Main AEPS Services Available

Aadhaar Enabled Payment System (AEPS) is a bank-led model that enables financial and non-financial transactions at Micro ATMs and Point of Sale PoS devices through Business Correspondents (BCs) using Aadhaar authentication. The main AEPS services include: 

  • Cash Withdrawal: Users can withdraw money from their Aadhaar-linked bank account without a debit card or PIN.
  • Balance Enquiry: Provides real-time information regarding the available balance in the user’s Aadhaar-linked bank account.
  • Mini Statement: Allows users to view the last few transactions conducted in their account.
  • Aadhaar to Aadhaar Fund Transfer: Facilitates the transfer of funds between two Aadhaar-linked bank accounts.
  • Cash Deposit: Enables users to deposit cash directly into their Aadhaar-linked account at authorized agent outlets (less common at all locations).
  • BHIM Aadhaar Pay: Allows merchants to accept payments from customers via Aadhaar authentication (biometrics) directly into their business bank account. 

Read Blog : Best AEPS API Service in India for AEPS Cash Withdrawal

Key Aspects of AEPS Services

AEPS Services is a National Payments Corporation of India (NPCI) initiative enabling secure, interoperable banking cash withdrawal, deposits, mini statements, and balance inquiries via Aadhaar authentication at any Business Correspondent (BC) or micro-ATM. It eliminates the need for debit cards or PINs, fostering financial inclusion in rural areas. 

Key aspects of AEPS include:

  • Authentication & Security: Transactions require only an Aadhaar number and biometric (fingerprint/iris) authentication, reducing fraud risks.
  • Interoperability: Users can access their bank accounts through any AEPS-enabled agent, regardless of the home bank.
  • Core Services: Enables cash withdrawal, cash deposit, balance enquiry, mini-statement, and Aadhaar-to-Aadhaar fund transfers.
  • Accessibility: Provides 24/7, last-mile banking access in remote areas, bypassing the need for traditional bank branches or ATMs.
  • Transaction Limits: Typically capped at ₹10,000 per transaction, with daily limits varying by bank.
  • Requirements: A bank account must be linked to an Aadhaar number for the service to work. 
GET A QUOTES NOW

Who Can Use AEPS Service in India

Any Indian resident with an Aadhaar-linked bank account can use the Aadhaar Enabled Payment System (AePS) to perform banking transactions such as cash withdrawals, deposits, and balance inquiries using only their Aadhaar number and biometric authentication (Aeps fingerprint or Aeps iris scan) at authorized agent points, with no PIN or debit card required. 

Key Eligibility & Requirements to Use AePS:

  • Resident Status: Must be a citizen of India.
  • Aadhaar Linking: The user’s Aadhaar number must be linked to their bank account (Aadhaar Enabled Bank Account – AEBA).
  • Participating Bank: The user’s bank must support best AePS services.
  • Biometrics: The user must provide a fingerprint or iris scan for authentication.
  • No Registration: No separate, formal registration is required to use the service.

Who Can Use AePS (Use Cases):

  • Rural/Underserved Populations: Aeps Designed for people in areas with limited bank branches or ATMs.
  • Individuals Without Cards: Customers who do not have debit cards or mobile banking access.
  • Individuals Awaiting Cards: Customers who have not yet received their ATM cards. 

AePS Transaction Limits & Capabilities:

  • Limit: Generally, a ₹10,000 daily cash withdrawal cap and ₹10,000 per transaction limit apply.
  • Services: Cash withdrawal, balance inquiry, mini statement, and Aadhaar-to-Aadhaar fund transfer.
  • Location: Services are accessed via Micro-ATMs or Bank Business Correspondents/Agents.

Why Use AEPS Service in India

The Aeps service in India is primarily used to drive financial inclusion, allowing users especially in rural areas to perform secure,,,cardless banking transactions using only their Aadhaar number and biometric authentication. It facilitates easy cash withdrawals, deposits, balance inquiries, and fund transfers at local, neighborhood,micro-ATMs, reducing reliance on distant bank branches. 

Key Reasons to Use AEPS Service in India:

  • Financial Inclusion & Accessibility: AEPS brings banking to remote and unbanked rural areas where traditional infrastructure is scarce, enabling doorstep banking services.
  • No Card or PIN Needed: Transactions require only Aeps biometric authentication (fingerprint or iris scan), making it ideal for individuals who do not have, or cannot use, debit cards or PINs.
  • High Security & Reduced Fraud: Because it relies on unique biometric data, AEPS is highly secure and minimizes fraud risk compared to traditional,sign-based, or PIN-based transactions.
  • Interoperability: Customers can use any bank’s account at any AEPS-enabled agent (business correspondent), allowing for flexible,cross-bank transactions.
  • Direct Benefit Transfer (DBT): It enables secure, transparent, receipt of government subsidies, pensions, and welfare payments directly into,linked bank accounts.
  • Low Cost & Convenience: It provides a cost-effective way to manage money, often with lower fees, and allows for quick, small-value transactions. 

AEPS is supported by the National Payments Corporation of India (NPCI) and ensures safe, real-time, bank-verified transactions. 

Read Blog : Best AEPS API Service Provider in India – Complete Guide 2026

Documents Required for AEPS Service Registration

Registering AePS service requires key KYC documents: an active Aadhaar card (linked to a bank account), PAN card, bank account details (passbook/cancelled cheque), passport-sized photographs, and a valid mobile number. Additionally, a biometric device (fingerprint/iris scanner) is mandatory for activation. 

Mandatory Documents Checklist for AEPS Registration:

  • Aadhaar Card: Must be linked to your bank account for authentication.
  • PAN Card: Required for tax compliance and verification.
  • Bank Account Details: Bank passbook, bank statement, or a cancelled cheque (for settlement of funds).
  • Proof of Business Address: Shop & Establishment Certificate, GST Registration, Udyam Registration, or a utility bill (electricity/water bill, usually not older than 2-3 months).
  • Passport-sized Photographs: Recent, as per the Aeps india requirements.
  • Active Mobile Number & Email Address: Used for registration, communication, and OTP verification.
  • Certified Biometric Device: A registered Aeps finger/Aeps iris scanner (e.g. Mantra) is required for transactions. 

Note: Ensuring that your mobile number is linked to your Aadhaar card is crucial for the registration process. 

CALL NOW

Top Use Cases of AEPS Service in India

The top use cases of the AEPS services in India include instant cash withdrawals and deposits via local “micro-ATMs,” secure balance enquiries, and mini-statement generation without cards. It facilitates direct benefit transfers (DBT) for government schemes, Aadhaar-based merchant payments, and inter-bank, cardless, and PIN-less transactions for financial inclusion. 

Key AEPS use cases in India include:

  • Cash Withdrawal & Deposit (Micro-ATM): Transforms local retail outlets (kirana shops) into banking points, allowing users to withdraw or deposit money using only their Aadhaar number and fingerprint, reducing reliance on distant ATMs.
  • Direct Benefit Transfer (DBT) Distribution: Enables secure, instant disbursement of government welfare funds (pensions, subsidies, MGNREGA wages) directly into beneficiary bank accounts, curbing corruption and middlemen.
  • Balance Inquiry & Mini Statement: Provides immediate, real-time, and secure access to bank account balances and recent transaction histories.
  • Aadhaar Pay (Merchant Payments): Allows merchants to accept cashless payments from customers via biometric authentication, fostering a digital economy in rural areas.
  • Aadhaar-to-Aadhaar Fund Transfers: Facilitates secure, inter-bank money transfers, allowing users to send money to family or others directly between linked accounts.
  • eKYC Services: Supports instant, paperless digital identification for opening new bank accounts and accessing financial services, simplifying the Aeps onboarding process. 

AePS Services in 2026

In 2026, AePS (Aadhaar Enabled Payment System) services are heavily secured with RBI-mandated, stricter KYC for operators, real-time biometric authentication (fingerprint/iris), and “one operator, one bank” rules to combat fraud. Aeps India, and Noble web studio offer high commissions (up to ₹15+ per transaction) for cash withdrawals, mini-statements, and, increasingly, merchant payments. 

Key Trends and Regulations in 2026:

  • Enhanced Security (Jan 1, 2026): RBI mandated tighter security, including mandatory re-verification for inactive operators, AI-driven fraud prevention, and mandatory STQC-certified biometric devices.
  • Transaction Limits: Standard limits remain around ₹10,000 per transaction, with a ₹50,000 daily limit.
  • Top Providers: Aeps India and Noble Web Studio are recognized for high success rates, 24/7 support, and instant Aeps settlement for retailers.
  • Service Scope: Beyond basic cash-out, 2026 AePS includes enhanced Aadhaar Pay (for merchants), and integration with more banking services.

Key 2026 AePS Features:

  • Commission Structure: Retailers can earn up to ₹13–₹15+ per transaction, particularly on higher volumes.
  • Operational Rules: “One Operator, One Bank” rule means agents are registered with only one bank, and 3-month inactivity requires re-KYC.
  • Targeted Use: Primarily serves rural and semi-urban areas to enhance financial inclusion. 

For starting a business, Aeps india offer setup options ranging from low cost to full white label Aeps solutions

How to Start AEPS Service Business in India

To start AEPS service in India, register with a certified Aeps india complete Aeps KYC with Aadhaar and PAN, and purchase a UIDAI-certified Aeps biometric device (Mantra). A smartphone/PC with internet is required to offer cash withdrawals, balance inquiries, and mini-statements. 

Steps to Start AEPS Service:

  • Meet Eligibility Requirements: Must be 18+ years old, possess a PAN card, Aadhaar card, and a functional bank account.
  • Choose a Service Provider: Select a reputable AEPS service provider like Aeps India and Noble web studio.
  • Registration and KYC: Sign up on the Aeps portal/Aeps app, submit KYC documents (Aadhaar, PAN, bank details), and undergo video or physical verification.
  • Purchase Biometric Device: Buy a RD-service-compliant, UIDAI-certified Aeps fingerprint or iris scanner.
  • Install and Activate: Install the Aeps android app on an Android phone or desktop, activate AEPS module, and begin transactions. 

Required Documents & Tools:

  • Documents: Aadhaar Card, PAN Card, active Bank Account, Passport-size photo.
  • Hardware: Smartphone or Computer, Aeps Biometric Scanner (Fingerprint/Iris).
  • Mandatory: Internet connectivity.

Read Blog : Reliable AEPS Software: Complete Guide 2026

Why Choose a Trusted AEPS Service Provider in India

Aeps india is the best AEPS service provider company in India such as Noble Web Studio and Aeps india is crucial for high commission earnings (up to ₹15+), 99.9% transaction uptime, instant (𝑇+0) settlements, and secure, NPCI-compliant biometric authentication. It ensures reliable, fraud-resistant service, which is essential for maximizing revenue and building customer trust in both rural and urban markets.

Key Reasons to Choose the Best AEPS Provider:

  • Higher Earnings & Commissions: Aeps india offer competitive commission structures, with some reaching up to ₹15 per transaction, helping retailers maximize their daily income.
  • Superior Reliability (Uptime): Aeps india ensures 99.9% uptime, reducing failed transactions and building customer trust.
  • Instant Settlements (𝑇+0/T+1): Aeps india offer immediate (𝑇+0) or next-day (𝑇+1) settlement options, ensuring that cash flow remains consistent and working capital is never blocked.
  • Robust Security & Compliance: Aeps india are certified by NPCI/RBI and adhere to UIDAI guidelines, using secure biometric (fingerprint/iris) authentication to protect against fraud.
  • Comprehensive Services & Scalability: Aeps india offer additional services like Micro ATMs, BBPS, and Domestic Money Transfer Service (DMT), allowing for a diverse, scalable income stream.
  • 24/7 Technical Support: Instant, reliable, 24/7 support is provided to quickly resolve transaction issues, which prevents financial losses for agents. 
WHATS APP CHAT NOW

Why AEPS Service is Growing Fast in India

Aadhaar Enabled Payment System services are growing rapidly in India due to their ability to bridge the urban-rural financial divide, enabling doorstep banking through local Kirana shops. By using only Aadhaar authentication and fingerprint, AEPS provides secure, cardless access to cash withdrawals, deposits, and transfers, especially for unbanked populations. Supported by government initiatives, high transaction reliability, and the need for easy access to direct benefit transfers, AEPS has become a cornerstone of financial inclusion. 

Key reasons for the rapid growth of AEPS services in India include:

  • Bridging the Rural-Urban Divide: AEPS brings banking to remote villages, eliminating the need for residents to travel long distances to reach a bank branch or ATM.
  • Ease of Use & Accessibility: The system is cardless and PIN-less, requiring only Aadhaar verification and a Aeps fingerprint device/Aeps iris scan device, which is ideal for individuals with low digital literacy.
  • Support for Government Initiatives: It acts as a primary channel for Direct Benefit Transfer (DBT), allowing users to withdraw government subsidies and pensions easily.
  • Network of Local Agents (Bank Mitras): Local shops, acting as business correspondents, provide on-demand banking services, which builds trust and convenience.
  • Interoperability: Customers can use the top AEPS service of any bank-enabled agent, regardless of their own bank, promoting universal accessibility.
  • High Transaction Success Rates: Improved infrastructure has resulted in 99.9% uptime, which builds user confidence in the reliability of the system.
  • Low Cost and Security: Aeps india offers a secure, paperless, and low-cost method for financial transactions, reducing fraud risk.
  • Additional Income for Retailers: Retailers earn commissions (often ₹2–₹15+ per transaction), which incentivizes the expansion of the network.

AEPS Service for Rural and Semi-Urban Areas

Aadhaar Enabled Payment System (AEPS) brings essential banking to rural and semi-urban areas by enabling transactions cash withdrawals, balance inquiries, and mini-statements using only an Aadhaar number and biometric authentication at local merchant shops. This secure, NPCI system eliminates the need for debit cards, PINs, or physical bank visits. It acts as a “mini-bank,” promoting financial inclusion for the unbanked, allowing easy, low cost Aeps service access to government benefit transfers (DBT). 

Key Aspects of AEPS for Rural/Semi-Urban Areas

  • Services Offered: Cash withdrawal, cash deposit, balance inquiry, mini-statement, and Aadhaar-to-Aadhaar fund transfer.
  • Accessibility: Operates through local Business Correspondents (BCs) or retail outlets, acting as a “human ATM”.
  • Security: Utilizes biometric authentication (fingerprint/iris) to prevent fraud.
  • Benefits: No requirement for bank cards, PINs, or high digital literacy.
  • Financial Inclusion: Directly enables access to government Direct Benefit Transfers (DBT) for rural populations. 

AEPS turns small local retailers into service hubs, empowering underserved communities with immediate banking access. 

Read Blog :Best AEPS Service Platform in India for Retailers (2026 Guide)

Features AEPS Service in India

The Aadhaar Enabled Payment System in India allows customers to securely conduct banking transactions cash withdrawal, balance enquiry, mini-statement, and funds transfer using only their Aadhaar number and biometric authentication (fingerprint/iris). It operates 24/7, enabling interoperable, cardless, and PIN-less services via Business Correspondents (micro-ATMs), driving financial inclusion in rural areas. 

Key Features and Benefits of AEPS Services:

  • Secure Biometric Authentication: Transactions are authorized using fingerprint or iris scans, reducing fraud and eliminating the need for physical debit cards or PINs.
  • Interoperability: Customers can access their Aadhaar-linked bank account at any AEPS-enabled merchant or micro-ATM, regardless of the bank, ensuring nationwide access.
  • Banking in Remote Areas: Acts as a backbone for rural banking, allowing access to financial services in underserved regions without needing traditional bank branches.
  • Essential Transactions:
    • Cash Withdrawal: Users can withdraw cash directly from their bank accounts.
    • Balance Enquiry: Instant check of bank account balances.
    • Mini Statement: Access to a summary of recent transactions.
    • Aadhaar to Aadhaar Fund Transfer: Secure transfer between linked accounts.
  • Aadhaar Pay: Enables merchants to accept payments from customers via Aadhaar authentication.
  • Financial Inclusion for Rural Areas: Enables doorstep banking in remote, unbanked areas, bridging the gap between banks and citizens.
  • Real-Time, Instant Transactions: Payments are processed in real-time, often with instant (T+0) settlement for agents.
  • Direct Benefit Transfer (DBT): Facilitates seamless receipt of government subsidies and pensions.
  • No Technical Expertise Needed: Simple, user-friendly, and accessible to anyone with an Aadhaar-linked account.
  • Government Benefit Disbursement: Facilitates direct, easy access to government welfare schemes (MNREGA, social security pensions).
  • Instant Settlement: High transaction success rates and near-instant processing, often with,24/7 availability. 
  • Low Cost & Ease of Use: Requires minimal infrastructure (smartphone, biometric scanner, and app), making it easy to use for customers and agents. 

AEPS design to empower all sectors of society, enabling, for example, a bank account holder to withdraw money at a nearby local store using a Micro ATM. 

Benefits AEPS Service in India

AEPS provide secure, cardless banking by allowing users to withdraw cash, check balances, and transfer funds via Aadhaar authentication and fingerprint scanning. Key benefits include 24/7 access in rural areas, reduced fraud risk, and easy, doorstep banking, eliminating the need for bank branches. 

Key Benefits of AEPS Services

  • Convenience & Access: Enables basic Aeps banking services at local, trusted Business Correspondents (BCs) or shopkeepers, eliminating the need to travel to distant bank branches or ATMs.
  • Cardless & PIN-less Banking: Users only need their Aadhaar number and Aeps biometric scan (fingerprint or iris) to authenticate transactions.
  • High Security: Transactions require biometric authentication (fingerprint or iris scan), making it extremely secure and reducing fraud risk.
  • Financial Inclusion: Reaches rural and underserved areas, allowing people with low digital literacy to access banking services.
  • Interoperability: Users can access their bank accounts through any bank-enabled micro-ATM or agent, regardless of where their account is held.
  • No Physical Cards/PINs: Removes the requirement to carry debit cards or remember PINs.
  • Security: High-security, biometric-based verification reduces fraud risks compared to traditional cards and PINs.
  • Key Services: Offers, cash withdrawal, balance inquiries, mini-statements, and, direct, Aadhaar-to-Aadhaar fund transfers.
  • Direct Benefit Transfer (DBT): Facilitates the direct receipt of government subsidies and pensions into bank accounts, minimizing corruption.
  • Business Opportunity: Retailers and agents can earn Aeps commission by offering banking services to their community.
  • Benefits for Agents/Retailers: Retailers can offer these services to customers, earning Aeps commissions for transactions

AEPS supports interoperability, meaning users can transact with any bank, regardless of their home branch. 

GET QUOTES NOW

AEPS API Integration Process

Integrating AEPS API involves partnering with an NPCI-certified provider, complete Aeps KYC, obtaining Aeps API credentials, and integrating endpoints for biometric-based transactions. Key steps include setting up STQC certified Aeps biometric devices, backend integration (JSON/XML), testing in a sandbox, and moving to production. 

Steps for AEPS API Integration:

  • 1. Select and Partner with an AEPS Provider: Choose a reputable, NPCI-certified Aeps India offering robust Aeps API support, competitive commissions, and a reliable sandbox environment.
  • 2. Registration and KYC: Submit business/personal documents (PAN, Aadhaar, bank details) for Know Your Customer (KYC) verification. As of 2026, adhere to the “One Operator, One Bank” rule.
  • 3. Acquire and Register Biometric Devices: Purchase Aeps L1 Registered Devices (fingerprint/iris scanners) and register them with the Aeps india.
  • 4. Receive API Credentials: Obtain Aeps API keysAeps ID (MID), and Aeps API documentation (e.g., endpoints, request parameters).
  • 5. Technical Integration (Backend & Frontend):
    • Backend: Implement Aeps API for cash withdrawal, balance inquiry, and mini-statements.
    • Frontend: Develop Aeps API user interfaces to capture Aadhaar numbers, select transaction types, and initiate biometric scans.
    • Callback URL: Set up a secure callback URL to handle transaction status notifications.
    • Security: Implement HTTPS, AES-256 encryption, and configure a Callback URL to receive real-time transaction statuses.
  • 6. Testing (Sandbox Environment): Thoroughly test transaction flows (success/failure scenarios) using the Aeps india sandbox environment.
  • 7. Go Live: Whitelist production IP addresses, switch to live Aeps Api credentials, and activate services for users.
  • Monitoring and Compliance: Adhere to regulations like the “One Operator, One Bank” rule and manage Aeps re-KYC for inactive agents. 

Key Requirements:

  • Documents: PAN Card, Aadhaar Card, Bank Account Details.
  • Hardware: STQC-certified Registered Device (RD).
  • Data Points: Aadhaar Number, Bank IIN (Institution Identification Number), Biometric Data (PID XML), and Transaction Type. 

Read Blog : Buy AEPS API Online – Complete Guide 2026

AEPS Commission Structure Explained

AEPS service commissions are primarily earned by retailers through a tiered, slab-based structure on cash withdrawals, typically ranging from ₹2 to ₹15+ per transaction. Higher transaction values (₹3,000–₹10,000) yield maximum payouts, with additional earnings from balance inquiries and mini-statements (approx. ₹1–₹5).

Key Aspects of AEPS Commission Structure (2026):

  • Tiered Slab Model: Commissions increase with the amount withdrawn.
  • Retailer/Agent Earnings: Generally earn ₹7-₹10 on average per transaction, with higher amounts for larger withdrawals.
  • Tiered Structure: Commission increases with the transaction value. For example:
    • ₹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 – ₹7 per transaction.
    • ₹3,000 – ₹10,000: Up to ₹13–₹15+ per transaction.

Additional Services:

  • Balance Inquiry/Mini Statement: ~₹1 to ₹5 per transaction.
  • Fund Transfer: Commissions are often generated on top of these top Aeps services.
  • Factors Influencing Earnings: The total Aeps commission depends on the volume of transactions, and the type of transaction. 

Example of Potential Earnings

  • Withdrawal of ₹2,000: Approximately ₹5.5 commission.
  • Withdrawal of ₹5,000: Up to ₹13 or more.
  • Daily Income: A retailer might generate around ₹2252 per day, depending on the volume of transactions. 
  • Non-Cash Transactions: Balance inquiries and mini-statements usually provide fixed, lower commissions, typically around ₹2 to ₹3.
  • Alternative Structure: Aeps india offer a percentage-based commission, such as 0.3% on cash withdrawals.
  • Additional Earnings: Agents may receive monthly incentives for meeting high-volume transaction targets.
  • Distribution Model: Distributors earn a smaller commission on the total transactions processed by their network of retailers.
  • Settlement: Commissions are typically settled on a weekly or daily basis. 

Key Factors Influencing Earnings

  • Transaction Volume: Higher transaction volume usually translates to higher earnings.
  • Slab-Based Commission: Aeps india offer tiered structures where higher transaction amounts (e.g., ₹3,000+) yield the best commissions.
  • Service Provider: Aeps India that different high commission Aeps platform may offer slight variations in rates.
  • Aadhaar Pay: Sometimes provides a percentage-based commission (e.g., 1%).

Example Earnings Calculation: 

  • Withdrawal (₹2,000): ₹2,000×0.003=6.00
  • Withdrawal (₹5,000): ₹5,000×0.003=15.00
  • Balance Enquiry (3 times): 3×₹0.75=2.25
  • Total Earnings: ₹6.00+₹15.00+₹2.25=23.25 

Important Details

  • Payout Structure: Agents earn commissions, and High volume Aeps platform offer additional incentives.
  • Settlement: Money is typically settled in the retailer’s bank account on a T+1 (next day) or T+2 basis.
  • Mechanism: The Best Aeps system involves the sponsor bank, Business Correspondent (BC), and NPCI. 

For the most accurate and up-to-date commission, it is recommended to check the specific, current, and official Aeps India rate chart. 

High Commission AEPS Service for Daily Income Growth

High commission AEPS services in 2026, such as Aeps India, offer retailers up to ₹15 per transaction for high-value cash withdrawals (₹3,000–₹10,000). These Aeps admin portal enable daily income growth for shop owners by providing instant (T+0) settlement, 24/7 service uptime, and additional earnings from mini-statements and Aadhaar Pay

Common Commission Structure (Approximate):

  • ₹1,000 – ₹1,499: ~₹3.00
  • ₹1,500 – ₹1,999: ~₹4.50
  • ₹2,000 – ₹2,499: ~₹5.50
  • ₹3,000 and above: Up to ₹13–₹15+

Aeps india– India’s Best & Highest-Paying AEPS Service Provider

  • ₹12 commission per transaction for Normal Retailers.
  • ₹15 commission per transaction for Super Prime Retailers (Highest in AEPS)

Earning Structure & Benefits:

  • Target High-Value Transactions: Focus on withdrawals between ₹3,000 and ₹10,000 to trigger maximum commission slabs (up to ₹15).
  • Lower Value Transactions: Transactions of ₹1,000–₹1,499 earn roughly ₹3, while ₹2,000–₹2,499 earn around ₹5.50.
  • Multiple Services: Utilize not just cash withdrawals, but also Aadhaar Pay (for merchant payments) and mini-statements (which often pay ~₹3 per statement).
  • Active Retailer Incentives: Aeps india offering bonus slabs for high-volume, active retailers.
  • Low Cost Setup: Requires only a smartphone or computer and a biometric device. 
  • Instant Settlement (T+0): Use Best Aeps platform that offer immediate, 24/7 settlement to maintain liquidity for high-volume, daily transactions. 

How to Maximize Daily Income:

  1. Increase Footfall: Promote your shop as a local “mini-bank” to attract residents.
  2. High-Volume Transactions: Encourage customers to withdraw higher amounts (>3,000) to maximize commission tiers.
  3. Use Reliable Apps: Aeps b2b platforms with 99.9% uptime and 24/7, instant (T+0) settlement to maintain cash flow.
  4. Offer All Services: Utilize Balance Inquiry, Mini-Statement, and Aadhaar Pay to generate extra, daily income.

Retailers can generate significant monthly income (₹5,000–₹15,000+) by transforming their shops into local “mini-banks”. 

REQUEST FREE QUOTES NOW

Instant Settlement AEPS Service System

Instant Settlement AEPS service providers like Aeps india offer immediate, 24/7, T+0 (same-day) bank settlement for cash withdrawals, balance inquiries, and mini-statements using biometric authentication. These systems,, such as those offered by Aeps India, enhance liquidity for agents with 99.9% uptime, 2-3 second processing, high commission Aeps rates of ₹12–₹20, and 100% compliance with NPCI and RBI standards. 

Key Features and Benefits of Instant Settlement AEPS

  • Immediate Settlement (T+0): Funds are transferred instantly to the agent’s wallet or bank account, ensuring continuous working capital.
  • High Success Rates: Highest Volume Aeps Platform guarantee a >98% success rate, reducing failed transactions.
  • Comprehensive Services: Beyond withdrawals,, these systems include mini-statements, balance inquiries, and Aadhaar Pay.
  • Security & Compliance: 100% compliant with NPCI, RBI, and UIDAI standards, requiring L1-certified biometric devices.
  • High Commissions: Agents can earn high Aeps commissions of ₹12–₹20 per transaction.
  • Broad Accessibility: Enables rural and underserved areas to access banking services through local retail points. 

Benefits for Agents & Merchants

  • Low Setup Cost: Requires minimal investment, often just a smartphone/computer, internet, and a biometric scanner.
  • 24/7 Availability: Allows for around-the-clock banking services.
  • Easy Integration: Provides easy Aeps API integrated for developers and businesses. 

Read Blog : AEPS Platform Provider in India – Complete Overview

Aeps Service Secure Biometric Authentication and Safe Transactions

AePS service is a highly secure, NPCI-developed banking service allowing users to perform transactions like cash withdrawals, deposits, and balance inquiries using only their Aadhaar number and biometric authentication (fingerprint/iris scan). It provides safe, cardless banking, particularly for rural, underbanked, and, in general, all populations. 

Key Features for Security & Safety:

  • Unique Biometric Verification: Transactions require a fingerprint or iris scan, which is uniquely linked to the user’s Aadhaar, making identity theft nearly impossible.
  • No PIN/Card Required: Eliminates risks associated with lost cards or PIN theft.
  • Real-Time Monitoring: Transactions are continuously monitored to identify and prevent suspicious activities.
  • Encrypted Data: All transaction details are encrypted during transmission, protecting against cyber threats.
  • Convenience: Accessible at any authorized Business Correspondent or micro-ATM, bringing banking to the doorstep. 

Important Safety Guidelines:

  • Only use trusted, registered banking agents for transactions.
  • Ensure the Buy Aeps biometric device is clean for an accurate scan, which helps prevent multiple failed attempts.
  • Check for SMS alerts for every transaction to verify legitimacy.
  • Report any suspicious or unauthorized activity to your bank immediately. 

AePS service provides a secure and user-friendly way to access banking services, with transaction limits usually set around ₹10,000, though this varies by bank. 

Fast Settlement and Real-Time Transaction Reports

AePS services in 2026 feature instant (T+0) or same-day (T+1) settlements and real-time transaction reports, ensuring high liquidity for agents. These platforms offer >98% success rates, 99.9% uptime, and 2-3 second processing for cash withdrawals, balance inquiries, and mini-statements. Key features include NPCI and RBI compliance, biometric security, and easy Aeps API integrating.

Key Features and Benefits:

  • Fast Settlements (T+0): Funds are transferred to the agent’s bank account immediately or on the same day, enhancing working capital.
  • Real-Time Reports: Instantaneous transaction status updates and digital receipts are available, reducing manual reconciliation.
  • High Performance: >98% success rates with 2-3 second processing times.
  • Secure & Reliable: 99.9% uptime with STQC-approved biometric devices.
  • Comprehensive Services: Cash withdrawal, mini-statement, and Aadhaar Pay are supported.
  • High Commissions: Agents can earn up to ₹12–₹20 per transaction. 
  • Security & Compliance: Fully compliant with NPCI, RBI, and UIDAI, utilizing Aeps L1 biometric devices.
  • Interoperability: Works across all major banks, including SBI, ICICI, HDFC, and PNB. 
REQUEST QUOTES NOW TODAY

Multi-Bank Support and High Transaction Success Rate

High performance AEPS services in 2026 offer >98% transaction success rates, 99.9% uptime, and multi-bank support to ensure reliable, uninterrupted, and secure cardless, biometric-based banking for rural and urban areas. Aeps india enable instant (T+0) or same-day (T+1) settlement and 2-3 second processing. 

Key Features of High-Performance AEPS Services:

  • Multi-Bank Support & Reliability: Robust backend connections to multiple banks reduce downtime and ensure high success rates (>98%).
  • Instant Settlement & Real-Time Processing: Real-time Aeps transaction authorization with T+0 (instant) or T+1 (same-day) settlements, improving working capital.
  • Secure & Compliant Infrastructure: NPCI/RBI-compliant systems, utilizing secure biometric authentication (fingerprint/iris).
  • High-Volume Capacity & Uptime: 99.9% uptime, capable of handling high transaction volumes.
  • Comprehensive Functionality: Includes cash withdrawals, balance inquiries, mini-statements, and Aadhaar Pay.
  • Easy Integration & Support: Readily available Fast Aeps API (RESTful, JSON) for quick integration into Aeps apps, websites, or Point-of-Sale (POS) systems, often supported by 24/7 service.

Read Blog : Best AEPS Provider in India for Retailers

Secure and NPCI-Compliant AEPS Platform

AEPS India and Noble Web Studio are India’s Best & Top and Highest-Paying AEPS platform providers in India. These top Aeps platforms enable financial services like cash withdrawals, balance inquiries, and mini-statements using Aadhaar-based biometric authentication. 

Key Features of Secure & NPCI-Compliant Platforms

  • Regulatory Compliance: Adherence to NPCI, RBI, and UIDAI guidelines, including 2026 mandates like “One Operator, One Bank” and 3-month inactivity re-KYC.
  • High Security: Utilization of AES-256 encryption, STQC/L1-certified biometric devices, and mandatory liveness detection to prevent fraud.
  • High Performance & Reliability: Over 98% transaction success rates and 99.9% uptime, ensuring real-time processing.
  • Instant Settlement (T+0): Immediate, 24/7 settlement of funds to agent wallets.
  • White Label Solutions: Customize Aeps platform allowing businesses to brand the best AEPS Portal

Top AEPS Platform Providers (2026)

  1. AEPS India (aepsindia.com): Recognized for high Aeps commission structures (up to ₹13 + ₹2 per transaction), 24/7 support, and a comprehensive, trusted ecosystem for agents.
  2. Noble Web Studio: Known for high-profit margins (up to ₹15-₹16 for Super Prime Retailers), 99.9% uptime, and user-friendly mobile Aeps applications.

Benefits for Businesses

2026 Regulatory & Security Requirements

As of January 1, 2026, the following are mandatory for compliance:

  • L1 Registered Devices: All Aeps biometric scanners must be L1-compliant.
  • One Operator, One Bank: Agents must be mapped to a single acquiring bank.
  • Mandatory Re-KYC: Required if the account is inactive for 3 months.
  • No Data Storage: Biometric data must not be stored on agent devices. 

Aeps india is the Best AEPS Service Provider in India

Aeps india is the right AEPS service provider requires verifying NPCI authorization, ensuring >98% transaction success rates, 99.9% system uptime, and instant (T+0) or same-day (T+1) settlement. Key factors include competitive Aeps commissions (₹5–₹15), robust 24/7 customer support, and additional services like Micro ATM device Service and bill payments. 

Aeps india and Noble web studio India’s Best & Top and Highest-Paying AEPS Service Provider. Aeps india is one of the fastest growing AEPS platforms in India and is trusted by thousands of retailers across rural and urban areas. What makes Aeps india different is its transparent system, easy Aeps onboard, and industry leading commission payouts.

Key Factors to Check Before Choosing an AEPS Provider:

  • Security & Compliance: Ensure the Aeps india is authorized by the National Payments Corporation of India (NPCI) and strictly adheres to RBI and UIDAI guidelines, including 2FA/liveness detection to prevent fraud.
  • Settlement Speed (T+0 or T+1): Aeps india offers immediate (T+0𝑇+0) or next-day (𝑇+1) settlement to ensure your working capital is not blocked.
  • Transaction Success Rate & Uptime: Aeps india with at least a 98% success rate and 99.9% system uptime to minimize failed transactions.
  • Commission Structure: Look for transparent, competitive, and high Aeps commission rates, typically ranging from ₹5 to ₹15+ per transaction.
  • Customer Support: Ensure 24/7 technical support via phone, WhatsApp, or email is available for immediate resolution of failed transactions.
  • Supported Services: Aeps india offering a comprehensive suite, including cash withdrawal, balance inquiry, mini statements, Mini ATM, and BBPS (bill payments).
  • User-Friendly App/Portal: The interface should be intuitive, allowing easy, fast transactions, and provide detailed, real-time reports for tracking income and settlements.

Additional Considerations:

  • Hidden Charges: Verify if there are joining fees or hidden maintenance charges for the AEPS ID.
  • Biometric Device Support: Ensure the Top Aeps portal supports common, STQC-certified biometric devices (fingerprint/iris scanners).
  • Business Credibility: Verify that the Aeps india is a registered Business Correspondent or works with authorized banks.

Read Blog : Best AEPS Software for Agents in India

Best AEPS Portal Provider in India

Based on 2026 data, the best AEPS portals in India for high commissions and reliability include Aeps india (up to ₹15/transaction), Noble web studio (₹13+₹2, free Aeps ID). These Highest paying commission Aeps platform offer essential services like cash withdrawals, balance inquiries, and instant settlements, with Aeps india being noted for its high-paying, fast-growing network. 

Top AEPS Portals in India (2026):

  • Aeps india: Often rated #1 Aeps india for offering highest Aeps commissions (up to ₹15 for Super Prime Retailers) and rapid growth in both urban and rural areas. Aeps india for robust, best AEPS software.
  • Noble Web Studio: Highly recommended for retailers, featuring free registration, daily settlements, and high commissions. A reliable option for Village Level Entrepreneurs (VLEs). 

Key Considerations for Choosing:

Aeps india require a simple Aeps KYC process involving a PAN card, Aadhaar card, and best Aeps biometric scanner (like Mantra). 

GET FREE QUOTES NOW

Aeps india – Best AEPS Platform Provider

Aeps india the India best AEPS platform provider requires prioritizing high transaction success rates (98%+), 24/7 technical support, and instant (T+0) settlement to ensure liquidity. Key factors include NPCI compliance, a competitive commission structure (₹12-₹15+), a user friendly Aeps app, and additional services like mini ATM and BBPS Services

Key Factors for Selecting the Best AEPS Provider:

  • Security & Compliance: Ensure the platform is NPCI-authorized and adheres to RBI/UIDAI guidelines, especially for biometric data handling and 2FA/liveness detection.
  • Transaction Success Rate: Look for a Highest commission Aeps platform with high reliability, aiming for 99.9% uptime to minimize failures and maintain customer trust.
  • Settlement Speed: Aeps india offering T+0 (instant) or T+1 (same-day/next-day) settlements to keep your working capital flowing.
  • Commission Structure: Look for transparent, high commission Aeps structures, often ranging from ₹5 to ₹15+ per transaction, especially for high-value transactions.
  • Support System: Reliable, 24/7 technical support via WhatsApp, phone, and email is crucial for handling transaction issues.
  • Comprehensive Services: Aeps india offer integrated Aeps services like Mini ATM Service, BBPS (Bill Payments), and DMT (Domestic Money Transfer Services).
  • Reputation & User Reviews: Check independent reviews on app stores and forums to gauge reliability. 
  • System Usability & Features: The Aeps b2b app should be user-friendly and include multiple Aeps services like cash withdrawal, balance inquiry, mini-statements, Aadhaar Pay, and utility bill payments. 

How to Choose the Best AEPS Service Provider in India

Aeps india is the best Aadhaar Enabled Payment System service provider in India requires prioritizing security (NPCI/RBI compliance), high transaction success rates (>98%), and instant (T+0) or same-day (T+1) settlement options. Aeps india offer competitive Aeps commissions (₹5–₹15+ per transaction), 24/7 support, and user-friendly, multi service Aeps platform

Key criteria to evaluate when choosing an AEPS provider:

  • Security & Compliance: Aeps india is authorized by the National Payments Corporation of India (NPCI) and strictly adheres to RBI/UIDAI guidelines to prevent fraud and handle biometric data securely.
  • Transaction Success Rates & Reliability: Aeps india boasting a 99.9% uptime and high transaction success rates (over 98%) to ensure minimal downtime and maintain customer trust.
  • Settlement Speed (T+0/T+1): Aeps india offer instant (T+0) or next-day (T+1) settlements to ensure your working capital is never blocked and liquidity is maintained.
  • Commission Structure: Choose a transparent, competitive Aeps commission structure that maximizes your earnings per transaction (often ₹5–₹15+ per transaction).
  • Technical Support: 24/7 customer support via phone, WhatsApp, or email is crucial to instantly resolve failed transactions and avoid financial losses.
  • Platform Usability & Additional Services: The online Aeps platform should be user-friendly, supporting multi-bank transactions and additional services like Micro ATM, BBPS (bill payments), and DMT (money transfer service).

Read Blog : Trusted AEPS Service Provider in India: Complete Guide 2026

Why AEPS India is a Trusted AEPS Service Provider

Aeps india is a trusted AEPS service provider company in india is essential for secure, reliable, and compliant financial transactions, authorized by the National Payments Corporation of India (NPCI). They ensure 99.9% uptime, rapid T+0 settlements, and robust biometric authentication (fingerprint/iris) to prevent fraud and build trust. They offer 24/7 support, highest Aeps commission structures (up to ₹15), and comprehensive services like Mini ATM and best BBPS service

Key Reasons for Trust in Aeps India:

  • High Security & Compliance: They are authorized by the National Payments Corporation of India (NPCI) and strictly adhere to RBI and UIDAI guidelines, using advanced biometric authentication.
  • Reliability & Performance: Providing 99.9% uptime and >98% transaction success rates, they minimize failures to build trust in both rural and urban markets.
  • Instant Settlements (T+0): Aeps india offer instant or same-day (T+0) settlements, essential for agent cash flow.
  • Comprehensive Services & Competitive Commission: Beyond cash withdrawals, they offer Micro ATM, BBPS, and Aadhaar Pay, along with high commission structures (up to ₹13 + ₹2 bonus).
  • 24/7 Technical Support: Dedicated, around-the-clock support is available to resolve transaction issues immediately.
  • White Label Solutions: Aeps india provide scalable, customize Aeps software, and ready made Aeps portal, branded digital banking platforms. 
  • Interoperability: They enable Aadhaar-based transactions across all banks, driving financial inclusion.

Their focus on providing a secure, reliable, and high earning Aeps platform makes them a preferred choice for agents and distributors in India.

Future Trends AEPS Service in India

Future Trends for AEPS service in India 2026 are focused on enhancing security via AI and multi-modal biometrics (iris/face), integrating with UPI, and expanding services to transform local kirana shops into rural financial hubs. Key trends include AI-driven liveness detection to prevent fraud, mobile-first interfaces, and blockchain for secure, transparent transactions, all aimed at boosting financial inclusion. 

Key Future Trends in AEPS (2025–2030):

  • Enhanced Security & Compliance: Effective January 1, 2026, mandatory STQC-certified L1 devices and “One Operator, One Bank” policies (NPCI/RBI) will drastically reduce fraud.
  • AI and Machine Learning (AI/ML): AI will power real-time, behavior-based, liveness detection to prevent spoofing and identify fraudulent patterns instantly.
  • Multi-Modal Biometrics: Moving beyond just fingerprints, the industry is incorporating iris and facial recognition, increasing transaction success rates and security.
  • Transformation into Financial Hubs: Retail shops will evolve beyond cash withdrawals to offer integrated services, including micro-loans, insurance, digital gold, and UPI/BBPS payments service.
  • Deep Integration with Digital Ecosystems: Increased integration with UPI and digital wallets, creating a seamless, interconnected experience for users.
  • Mobile-First and Intuitive UI: Aeps software Development of, or apps that are, more user friendly Aeps platform, catering to varying levels of digital literacy among users.
  • Instant Settlement (T+0): Demand for same-day or instant settlement of funds is becoming the norm to keep working capital liquid for agents.
  • Blockchain for Transparency: The integration of blockchain technology is being explored to enhance the security and immutability of transaction records.
  • Enhanced Speed and Reliability: Focus on reducing transaction failures and ensuring instant settlements for retailers and customers. 
  • Voice-Based Payments: Integration of voice-based, regional language support is expected to make banking more accessible for rural, semi-literate users. 

These advancements aim to deepen financial inclusion, making banking, through apps like Aeps India, a 99.9% uptime, 24/7 service in the most remote areas. 

CONTACT US TODAY NOW

Conclusion

Aeps india is the right AEPS service provider in India is very important if you want to build a strong and profitable digital banking business. Today, the demand for Aadhaar Enabled Payment System (AEPS) is growing fast in rural and semi-urban areas where people depend on easy cash withdrawal and basic banking services. With a best AEPS service provider company in india, retailers and agents can offer secure and instant banking solutions to customers using only Aadhaar number and biometric authentication.

Aadhaar Enabled Payment System (AEPS) is a National Payments Corporation of India (NPCI) developed, bank-led model that allows users to perform basic banking transactions cash withdrawal, deposits, balance inquiries, and transfers using only their Aadhaar number and biometric authentication (fingerprint or iris scan) at Micro-ATMs or Business Correspondent (BC) outlets. It enables cardless, PIN-less, and secure banking, crucial for financial inclusion in rural areas. 

Aeps india one of the reliable AEPS API provider in India offers key features like cash withdrawal, balance enquiry, mini statement, Aadhaar to Aadhaar fund transfer, high transaction success rate, real-time processing, secure biometric authentication, and fast settlement system. These features help agents earn regular Aeps commission while providing essential financial services to customers.

Aeps india of the AEPS platform provider, always check important factors such as server uptime, transaction speed, technical support, commission structure, easy Aeps onboarding process, and strong security system. A stable and top AEPS software reduces transaction failure and builds customer trust, which is very important in the fintech business.

The future of AEPS services in India is very bright as digital payments and financial inclusion continue to grow. If you want to start or expand your AEPS business, choose a trusted Aeps b2b platform like AEPS India that provides advanced technology, smooth Aeps API integration, and reliable support.

Aeps india is the best AEPS service provider in India focuses on fast settlement, real-time transaction updates, multi-bank support, and transparent commission structure. Highest commission Aeps margins and instant confirmation Aeps systems ensure smooth daily operations and better income opportunities. Security, server uptime, and strong technical support are also important factors for long-term success.

At Aeps India, we provide a secure and high performance AEPS service platform designed to support retailers and agents who want consistent growth. Our B2B Aeps platform offers reliable biometric integration, fast settlement process, and scalable technology to help you expand your business confidently.

If you want to grow your digital banking services and earn steady income, partnering with a Aeps india stand No.1 trusted AEPS service provider in India is the smart decision for sustainable growth and long-term success in 2026 and beyond.

If you want to succeed in the expanding AEPS business in India, choosing the right partner is the most important decision. With Aeps India, you can build a strong, trusted, and profitable AEPS service business that stands out and moves toward long-term success.

AEPS Service in India – Frequently Asked Questions (FAQ)

1. What is AEPS service in India?

AEPS (Aadhaar Enabled Payment System) is a digital banking service that allows customers to perform transactions like cash withdrawal, balance enquiry, mini statement, and Aadhaar to Aadhaar fund transfer using their Aadhaar number and biometric authentication. It is widely used in rural and semi-urban areas for easy banking access.

How does AEPS service work?

AEPS works through a biometric authentication system. The customer provides their Aadhaar number and fingerprint verification. The transaction is processed in real-time through a secure AEPS API platform, connected to the customer’s bank account.
In AEPS service, the customer provides:
Aadhaar number
Bank name
Biometric fingerprint authentication
Once authentication is successful, the transaction is processed instantly through a secure banking network.

Who can start AEPS service in India?

AEPS service is ideal for:
Retail shop owners
Agents
Distributors
Fintech startups
Digital payment service providers
Anyone with basic documents and a biometric device can start AEPS business with a trusted AEPS service provider like Aeps india.

What services are included in AEPS?

Aeps india in India offers:
Cash Withdrawal
Balance Enquiry
Mini Statement
Aadhaar to Aadhaar Fund Transfer
Micro ATM services
These services help retailers earn Aeps commission on every successful transaction.

What documents are required to start AEPS service?

To register with a Aeps india you usually need:
Aadhaar card
PAN card
Bank account details
Passport-size photo
Biometric Aeps fingerprint device
KYC verification is required before activation.

Is AEPS service safe and secure?

Yes. Aeps india is a reliable AEPS service provider company uses secure Aadhaar-based authentication and encrypted systems to ensure safe transactions. Biometric verification reduces fraud risk and protects customer data.

Who can start AEPS service business?

Retailers, shop owners, agents, CSP operators, and fintech businesses can starting AEPS business by registering with a Aeps india.

How long does it take to activate AEPS service?

After submitting documents and completing KYC, activation usually takes a short time. Once approved, you can start offering AEPS cash withdrawal and Aeps banking API services immediately.

What equipment is required to start AEPS service?

You need a certified biometric fingerprint scanner, stable internet connection, and Aeps registration with a Aeps india.

Can AEPS increase my shop income?

Yes. By offering AEPS services in India, you can increase customer footfall and earn commission on every transaction. It helps build customer trust and creates a steady income source.

Does AEPS service support all banks?

Aeps india is one of the trusted AEPS service providers in India offer multi-bank support. This allows customers from different banks to withdraw cash easily using Aadhaar authentication.

Why is AEPS service popular in rural areas?

AEPS service is highly useful in rural and semi-urban areas because:
Many villages have limited ATM access
Customers prefer nearby cash withdrawal points
Government benefits are linked to Aadhaar
Retailers become local banking service points for their community.

How do I choose the best AEPS service provider in India?

Before selecting a provider, check:
Commission structure
Transaction success rate
Settlement speed
Platform security
24/7 technical support
Choosing the Aeps india ensures smooth operations and long-term growth.

Why is AEPS business profitable in 2026?

Digital payments and Aadhaar-based banking are growing rapidly across India. AEPS service supports financial inclusion and offers strong earning potential with low investment. It is one of the most profitable fintech business opportunities in 2026.

Why choose Aeps India for AEPS services?

Aeps India offers a secure, scalable, and high performance AEPS service platform in India with high commission opportunities, fast Aeps commission settlement, strong server uptime, and dedicated support helping retailers and agents build a profitable digital banking business in 2026 and beyond.


Tags:, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Add a Comment

Your email address will not be published. Required fields are marked *

×