B2B AePS Software Provider with API Integration

Are you looking for the best AEPS Software Provider in India for your B2B financial services business? If you want to launch or expand a digital banking platform, a reliable AEPS Software can help you offer Aadhaar-enabled banking services such as cash withdrawal, balance enquiry, mini statement, Aadhaar Pay, and other AEPS transactions through a secure and easy-to-use platform. Whether you are a fintech company, B2B service provider, distributor, CSP, retailer network, or startup, Aeps india only one of the right AEPS Software Provider in India is essential for fast business growth, secure transactions, and a better customer experience.

Aadhaar Enabled Payment System software enables cardless, PIN-less banking by using an individual’s Aadhaar number and biometric data. It allows retail agents to function as local Micro ATM, providing cash withdrawals, balance inquiries, and mini-statements for any Aadhaar-linked bank account. 

Every day, lakhs of customers across India withdraw cash, check balances and make payments at local retail counters using nothing but their Aadhaar number and fingerprint. Behind every one of those counters is an AEPS software platform and the company that owns that Aeps platform earns on every single transaction.

AEPS India offers a powerful and scalable AEPS software solution with secure Aeps API integration, a smart admin panel, retailer and distributor management, wallet management, commission management, real-time transaction monitoring, high transaction success rates, and dedicated technical support. Our Aeps platform designed to help B2B financial service providers build a profitable and future-ready digital banking business across India.

This Blog explains exactly what AEPS software is, what it costs, how much your network can earn, and how to launch within a week.

What Is AEPS Software?

AEPS software is a banking platform that lets customers perform cardless and PIN-free transactions using only their Aadhaar number and biometric authentication (fingerprint or iris scan). Developed by the NPCI, it turns local retail shops into “mini ATMs” to promote financial inclusion in underserved areas. 

AEPS Software Work

Best AEPS software enables local agents to operate as “mini ATMs,” facilitating cardless, PIN-free banking transactions such as withdrawals and balance inquiries using Aadhaar authentication. The process involves biometric verification through NPCI, linking directly to the user’s bank account for real-time, secure transactions. 

A complete AEPS software package includes a branded web portal (admin, distributor and retailer panels), a mobile app for agents, biometric device integration, wallet and settlement systems, and automated Aeps commission distribution across your entire network hierarchy everything needed to operate like a fintech company, without building any technology yourself.

How the Workflow Operates

1. Initiation: Agent collects bank name, Aadhaar number, and transaction type.
2. Authentication: Customer uses a biometric device for fingerprint/iris scan.
3. Verification & Processing: Encrypted data is validated via UIDAI/NPCI, and the bank processes the transaction.
4. Confirmation: Instant success notification and SMS are generated. 

AEPS Services Supported

Supported services under AePS include: 

Who Is AEPS Software For?

• Local Retailers and Kirana Shop Owners: They use AePS Touchpoint Operator platforms on mobile devices or PCs attached to biometric scanners to earn commissions on everyday banking transactions for their communities.
• Fintech Entrepreneurs and Startups: Businesses utilize AePS API integration and white label Aeps platform to build their own branded Aeps B2B or B2C financial service networks, managing agents and distributors. 
• Recharge/DMT businesses: stack AEPS on top of your existing services for higher revenue per counter.
• Business Correspondents (BCs): Rural bankers and authorized agents leverage this software to extend basic financial services to unbanked populations who do not have easy access to physical bank branches. 
• Microfinance Institutions: Organizations can use these Aeps platforms to easily manage and disburse funds, or collect repayments directly in remote or rural regions. 

Why AEPS is India’s Biggest Financial Inclusion Opportunity

AEPS is India biggest financial inclusion opportunity because it allows anyone with a bank account and an Aadhaar number to perform banking tasks using just their fingerprint or iris scan. It completely removes the need for smartphones, debit cards, or PINs. 

Several core features make AEPS a transformative tool for the nation’s economic landscape: 

• Cardless & Smartphone-Free Access: Users only need their Aadhaar number and a fingerprint or iris scan to perform transactions. This bypasses the technological barriers that traditionally lock rural and semi-urban populations out of formal banking. 
• Direct Benefit Transfer (DBT) Distribution: It acts as the backbone for government welfare schemes. Beneficiaries can instantly withdraw subsidies, pensions, and wages from their Aadhaar-linked accounts without traveling long distances to major city bank branches. 
• Micro-Entrepreneurship & Local Reach: AEPS empowers local merchants and ‘Business Correspondents’ by turning everyday kirana (grocery) shops into Micro-ATMs. Shop owners earn commissions on every transaction, which generates extra income while increasing footfall for their own retail businesses. 
• Enhanced Security: Biometric authentication and end-to-end encryption minimize the risk of identity theft, PIN compromises, or card skimming, thereby fostering trust among new users. 

AEPS Software vs AEPS API vs Building Your Own: What Should You Buy?

For 90% of businesses distributors, retailers networks, and local fintech startups white label AEPS software is the right choice: fastest launch, lowest risk, and no technical hiring. If you already run Aeps app with a Aeps software development team, an AEPS API integrating may suit you instead (AEPS India provides both).

Panel-Wise Features: Admin, Distributor & Retailer

An AePS panel operates on a hierarchical multi-tier SaaS model. It empowers fintech platforms to function as mini-banks by splitting roles into three primary layers: Aeps Admin (master control), Distributor (network management), and Retailer (customer-facing transactions). 

1. Admin Panel (Master Control & Fintech Operations)

The best Aeps Admin is the backend command center used by the Aeps india. It provides complete, top-level oversight of the entire ecosystem. 

• Network & User Hierarchy: Create and manage unlimited Master Distributors, Distributors, and Retailers.
• Automated Commission Management: Configure, track, and disburse multi-level commission margins across all down-line tiers.
• Transaction Monitoring: Real-time visibility into all AePS cash withdrawal, Aeps balance inquiry, and mini-statement logs.
• Wallet Management: Monitor and manage virtual balances and credit lines.
• Security & Fraud Protection: Manage bank-grade security protocols including device fingerprinting, IP whitelisting, and fraud detection algorithms. 

2. Distributor Panel (Network & Agent Management)

Distributors (often Super Distributors or Master Distributors) act as regional or supervisory hubs for the platform. They are responsible for growing and supporting the retailer base. 

• Retailer Onboarding: Manage KYC verification (Aadhaar and PAN) and approve new local agents/merchants directly from the dashboard.
• Hierarchy Configuration: Assign specific rights and custom commission slabs to retailers under their network.
• Fund Wallet Top-Ups: Transfer operational floats and balances to retailer wallets to fund their daily transactions.
• Performance Analytics: Track the transaction volumes and commissions earned by each retailer to evaluate network productivity. 

3. Retailer Panel (Customer Transactions & Merchant Services)

The Aeps Retailer portal or Aeps Agent portal is the customer-facing dashboard. It is used by local kirana store owners, CSPs, or micro-ATMs to process actual banking transactions. 

• Simple one-screen flow: Aadhaar number → bank → amount → fingerprint → done
• Core Banking Services: Process assisted banking including cash withdrawals (usually up to ₹10,000 per transaction), balance inquiries, and mini-statements. 
• Biometric & Aadhaar Pay: Securely authenticate customers using UIDAI-certified Aeps fingerprint or Aeps iris scanners. 
• Wallet & Passbook Management: Instantly track transaction history, review passbooks, and check real-time commission earnings. 
• Instant Settlements: Move accumulated funds and earned Aeps commission instantly from the AePS wallet directly into their personal bank accounts. 

AEPS Software Features 2026

• Biometric Authentication: Uses a Aeps fingerprint or Aeps iris scanner to verify identity. This removes the need for debit cards or PINs.
• Registered Device (RD) Service: Ensures only government-certified biometric devices are used to keep data safe.
• Multi-Bank Integration: Connects to all major banks seamlessly. This makes Aeps system “interoperable,” meaning a user can withdraw money from any bank account at any agent’s machine.
• Admin Dashboard: Business owners get a control panel to manage retailers, track daily transactions, and view profits.
• Custom API Integration: Developers can easily plug AEPS features into their own Aeps apps or websites. 
• AI-Driven Security: Top Aeps software uses artificial intelligence to check if a fingerprint is real. This stops fraud and fake scans. 
• Instant Settlements: Transfers transaction commissions to the agent’s account immediately.
• Data Non-Storage Policy: By law, the system never stores a customer’s biometric data or Aadhaar number after a transaction.
• End-to-End Encryption: Encrypts transaction data instantly so hackers cannot steal it while it travels to bank servers. 
• Agent Management: Lets master distributors easily create and manage retailer or agent accounts.
• User-Friendly Dashboard: Gives agents and business owners real-time data to track earnings, track success rates, and manage customer tickets. 

The AEPS Commission Model- How You Earn

An High AEPS commission model is a tiered, slab-based structure. Retailers or agents earn flat payouts typically ranging from ₹2 to ₹15 per transaction based on the withdrawal amount, alongside smaller fees for balance inquiries and mini-statements, credited instantly to their agent wallet. 

Example: on a ₹3,000 withdrawal paying ₹10 total commission, your configuration might give ₹7 to the retailer, ₹1.50 to the distributor, and keep ₹1.50 as your platform margin. Multiply that by hundreds of agents doing dozens of daily transactions, and the admin margin becomes a serious recurring income — which is exactly why AEPS is called a built-in revenue layer for distribution networks.

Highest AEPS Commission Structure (2026)

Realistic monthly earning example

An agent doing 30 withdrawals a day at an average ₹7 commission earns around ₹6,300 a month from AEPS alone. Stack money transfer, recharge and bill payment on the same counter and ₹12,000–₹20,000 a month is achievable for an active rural point. Distributors earn an override on every agent a 50-agent network multiplies this across the hierarchy.

AEPS India shares its complete slab-wise Aeps commission chart in writing before Aeps onboarding.

AEPS Software Price in India (2026)

The cost AEPS software ranges from ₹20,000 to ₹1,50,000+, depending on your specific requirements, level of Aeps software customization, and licensing model. 

Pricing for setting up an best AEPS portal or integrating Aeps services into your existing business generally falls into the following categories:

• Standard API Integration: Integrating AEPS service API into your current best Aeps platform typically costs between ₹12,000 and ₹35,000. 
• White-Label Solutions: Fully branded, ready-made Aeps B2B portal or top Aeps apps that allow you to manage your own network of agents range from ₹35,000 to ₹1,00,000+. Premium Aeps solution can cost upwards of ₹1,50,000. 
• Maintenance & Transaction Costs: Expect additional maintenance fees (e.g., ₹40,000 to ₹1,20,000/year). Agent commissions usually offer ₹10 to ₹17 per transaction. 

AEPS Software Price

Ongoing & Transactional Costs

• Annual Maintenance Charges (AMC): ₹10,000 to ₹40,000+ for server upkeep, regulatory security updates, and technical support.
• Per-Transaction Fees: Aeps admin Platform and banks typically charge ₹0.25 to ₹10 or 0.5% – 1% depending on the transaction type and slab.
• Settlement Fees: NPCI charges a flat settlement fee of about ₹0.25 per transaction. 

Agent Earning Potential (Commission Structure)

For agents operating in your network, the higher Aeps commission is slab-based and increases alongside the withdrawal amount. 

• ₹1,000 – ₹1,499: ~₹3.00 commission.
• ₹2,000 – ₹2,499: ~₹5.50 commission.
• ₹3,000 – ₹10,000: ₹13.00 to ₹15.00+ commission (highest tier).
• Mini-Statements / Balance Inquiry: ₹1 to ₹3 per transaction.

AEPS Transaction Limits

Key AePS Transaction Limits & Guidelines

Important Rules to Remember

• Authentication: Transactions strictly require biometric authentication (fingerprint or iris scan) along with your Aadhaar number and bank name; no OTP or PIN is required. 
• No Customer Charges: As per UIDAI and NPCI policies, there are generally no charges for basic banking transactions (like cash withdrawal or balance inquiry). However, business correspondents or micro-ATMs may charge a small service fee of ₹5 to ₹15. 
• Fund Transfers: AePS fund transfers can only occur between bank accounts that are both linked to Aadhaar. 

Aeps software Supported Biometric Devices

The most widely supported Aeps biometric device across Indian fintech and banking portals include:

Critical Device Requirements:

1. L1 Certification: As per UIDAI standards, ensure you purchase Level 1 (L1) compliant devices rather than older L0 models.
2. RD Service: You must activate and install the manufacturer’s RD Service application (e.g., Mantra) so the device can securely encrypt biometrics before transmission. 

Aeps Compliance Built In: RBI & NPCI Rules (2026)

• Full KYC Requirements: Mandatory onboarding checks, including address verification and identity confirmation as per RBI Master Directions.
• Re-KYC Mandate: Operators inactive for 3 consecutive months must undergo mandatory full re-KYC before resuming services.
• Operator Mapping: Implementation of a strict “One Operator, One Bank” rule to tie settlements to a single bank account.
• L1 Registered Devices: All biometric scanners (fingerprint/iris) must be STQC-certified L1 AEPS devices.
• End-to-End Encryption: Biometric data must be encrypted at the device level and transmitted securely to the UIDAI CIDR.
• No-Storage Policy: Merchants and aggregators are strictly prohibited from storing sensitive customer Aadhaar or biometric data on their local servers.
• Real-Time Monitoring: Systems must continuously assess transaction risks based on location, velocity, and amount.
• Step-Up Authentication: Transactions exceeding ₹5,000 require Aadhaar-based OTP verification (sent to the customer’s registered mobile number) in addition to biometric scanning.
• Restricted API Usage: AEPS admin API must be technically restricted to exclusively handle approved AEPS operations.

How to Become an AEPS Merchant / Start Your AEPS Business

1. Get AEPS software from a Aeps india: Top Aeps portal (website/app) through which you provide AEPS services. Book a free demo to see the panels live.
2. Complete KYC and agreement. Submit business documents (list below); verification typically takes 24–48 hours.
3. Platform setup and branding. We configure your trusted Aeps portal with your brand name, logo, domain, commission slabs and wallet usually within 2–3 working days.
4. Buy a biometric device: Any UIDAI-certified fingerprint scanner (₹2,000–₹4,000 typical).
5. Fund your wallet and onboard agents. Load your working balance, then Aeps onboard distributors and retailers with built-in KYC from your Aeps admin panel.
6. Go live and earn. Your network starts transacting; commissions are calculated and settled automatically with a full audit trail.

Documents Required

For the platform owner (you)

• Business PAN + GST certificate (or Udyam registration).
• Proprietor/director PAN and Aadhaar.
• Cancelled cheque / bank proof for settlements.
• Address proof and signed service agreement.

For each retail agent

• PAN + Aadhaar + live photo + shop/address proof.
• Bank account for commission settlement.
• Biometric registration for operator authentication.

How to Choose the Best AEPS Provider in India

• Security & NPCI Compliance: Make sure the Aeps india follows all Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) guidelines. They must enforce mandatory agent KYC and support L1-certified Registered Devices (RD) to prevent biometric spoofing. The Aeps system should never store customer biometric data. 
•  Instant Settlement: Look for an Aeps india that offers T + 0 (instant or same-day) settlements. This means when a customer withdraws money, the funds immediately move from their bank to your settlement account. It ensures your daily working capital is never blocked. 
• Success Rate and Multi-Bank Support: Aeps india has minimal downtime. You need a Aeps india with a transaction success rate of 98% or higher. They should also support multi-bank interoperability so customers with any Indian bank account can easily transact. 
• Transparent Commission Structure: Highest Aeps commission payouts for each transaction slab (e.g., withdrawals of ₹3,000 to ₹10,000). Aeps india can offer Aeps commissions up to ₹10–₹20 per transaction. Look for Aeps india with no hidden joining or monthly fees. 
• 24/7 Customer Support: Technical glitches happen in digital banking. You want an Aeps india that provides active support via phone, email, and WhatsApp. Fast customer service builds trust with your clients. 

Why Choose AEPS India as Your AEPS Software Provider

• Maximized Earnings & Commissions: Earn competitive margins (ranging between ₹5 to ₹15+ per transaction) while significantly boosting customer footfall to your retail location. 
• Fast launch: Branded Aeps platform live in 3–5 business days with complete Aeps onboarding training for your team.
• Multi-bank routing: transactions auto-route through multiple sponsor-bank connections for 99.9% higher success rates.
• Seamless Financial Inclusion: Enable your customers to perform essential banking services such as cash withdrawals, balance inquiries, and mini-statements using only their Aadhaar and biometrics. 
• Uncompromised Security: Protect your business and customers using NPCI and UIDAI-compliant encrypted biometric authentication. 
• Instant Settlements: Enjoy fast, same-day settlement options (T+0 or T+1) so your daily working capital and cash flow are never blocked. 
• Compliance-Focused Onboarding: Every retailer and agent is onboarded through a structured KYC process with secure authentication. This helps your business maintain a trusted network, follow applicable regulatory requirements, and reduce the risk of unauthorized access.
• Robust Admin & Retailer Dashboards: Easily manage your agent networks, track real-time commissions, and access powerful reconciliation tools through customized white label Aeps portal. 
• Scalability & API Integration: Easily embed transaction capabilities into mobile Aeps apps, web dashboards, or kiosks with developer friendly Aeps API. 
• 24×7 Dedicated Customer Support: Our experienced support team is available via phone and WhatsApp whenever you need assistance. Whether it’s a technical issue, transaction query, or onboarding support, we work quickly to resolve problems so your business can continue serving customers without unnecessary delays.

Get Started

Choosing the right AEPS Software Provider in India is a crucial step for B2B financial service providers, fintech companies, distributors, and retailers looking to expand their digital banking business. A reliable AEPS platform helps businesses deliver secure Aadhaar-enabled Aeps banking API services while improving operational efficiency and customer satisfaction.

A modern AEPS Software Solution should offer secure Aeps API integration, high transaction success rates, real-time processing, retailer and distributor management, commission management, wallet management, settlement tracking, and a powerful Aeps admin panel. These features enable businesses to manage their AEPS network efficiently and support long-term business growth.

AEPS admin software is a digital Aeps platform that allows merchants and banking agents to act as “mini-ATMs”. It facilitates cardless, PIN-free banking transactions such as cash withdrawals, deposits, balance inquiries, and mini-statements using only a customer’s Aadhaar number and biometric authentication (fingerprint or iris scan).

Managing an AEPS business involves secure Aeps API integration, banking connectivity, biometric authentication, transaction management, settlements, and business operations. AEPS India simplifies this entire process with a secure White Label AEPS Software that includes everything you need to launch and manage your own branded AEPS platform. You focus on growing your retailer network and serving more customers, while our technology handles the backend infrastructure, secure transactions, and Aeps platform management, helping you build a successful digital banking business with confidence.

AEPS India provides advanced AEPS Software for B2B Financial Service Providers with secure technology, scalable infrastructure, easy Aeps API integration, and dedicated technical support. Our Aeps platform design to help businesses launch, manage, and grow Aadhaar-enabled banking services with confidence.

Book your free live demo today see the panels working, get the written commission chart and exact pricing, and launch your own branded AEPS business this week.

Get in touch with AEPS India today to explore our secure, scalable, and feature rich AEPS software solutions and take your B2B financial services business to the next level.

AEPS Software — Frequently Asked Questions