Best AEPS API Service Provider in India – Complete Guide 2026

Are you searching for the best AEPS API service provider in India to start or grow your digital payment business? With the rapid expansion of the Aadhaar Enabled Payment System businesses are now offering secure and instant banking services like cash withdrawal, balance enquiry, mini statement, and Aadhaar to Aadhaar money transfer across India.

An AEPS API service provider offers the technology, documentation, and infrastructure (API) for businesses to integrate Aadhaar-Enabled Payment System (AEPS) capabilities, such as cash withdrawals, balance inquiries, and mini-statements, into their own applications. These Aeps india ensure secure, NPCI-compliant, biometric-based transactions, allowing agents or retailers to provide banking services. 

Top AEPS API service providers in India for 2026 include Aeps india and Noble Web Studio, offering high commissions up to ₹15 per transaction. Aeps India, provide secure, high-uptime, and fast Aadhaar-based banking services (cash withdrawal, balance inquiry) with robust Aeps API integration for retailers and fintech businesses. 

A powerful AEPS API service allows businesses to integrate Aadhaar-based transactions directly into their website, mobile Aeps app, or fintech platform. Aeps india is the right AEPS API provider in India, you can offer services like AEPS cash withdrawal, Aeps balance enquiry, Aeps mini statement, Aeps fund transfer, and Aadhaar Pay with high transaction success rates and real-time processing.

Aeps india is An advanced AEPS API provider helps businesses connect their website, app, or Aeps software with banking networks through NPCI guidelines. With the right AEPS API, you can ensure high transaction success rate, secure Aadhaar authentication, fast processing, and instant Aeps settlement. This directly impacts customer satisfaction and daily commission earnings.

For retailers and agents, the biggest concern is high commission with instant settlement. Aeps India focuses on providing competitive AEPS commission rates, quick payout cycles, and stable server uptime so that your business runs without interruption. Whether you operate a small retail shop or a large fintech platform, this AEPS API service supports high-volume transactions without downtime.

Aeps india is the best AEPS API service provider in India selecting a Aeps platform that offers strong server stability, high Aeps commission structure, quick Aeps onboarding, and full compliance with NPCI and UIDAI standards. A trusted company like AEPS India provides scalable AEPS API solutions designed for high volume Aeps transactions and long-term business growth.

Aeps India offers a powerful and secure AEPS API solution in India designed to help businesses deliver smooth Aadhaar Enabled Payment System services. With simple Aeps API integration, real-time transaction processing, and NPCI-compliant infrastructure, Aeps India ensures safe and fast AEPS cash withdrawal, balance check, mini statement, and fund transfer services across rural and urban areas.

If you want to expand your digital banking services in 2026, Aeps india is

a trusted AEPS API service provider in India is the first step toward building a secure and profitable fintech business.

In this blog, we will guide you through everything you need to know about selecting the best AEPS API service provider in India, including features, benefits, security standards, and profit opportunities. If you want to build a successful AEPS business in India, understanding the right Aeps API solution is the first and most important step.

What is AEPS API Service Provider

An AEPS API Service Provider is a Aeps india that offers an Application Programming Interface (API) enabling businesses to integrate Aadhaar-based banking services such as cash withdrawals, balance inquiries, and mini-statements directly into their Aeps apps or websites. It allows merchants to use biometric authentication for secure, cardless transactions, facilitating financial inclusion, particularly in rural areas. 

AEPS API Service Provider Work

AEPS Aadhaar Enabled Payment System API service providers enable businesses to integrate secure, biometric-based banking such as cash withdrawals, balance inquiries, and mini-statements directly into their apps or websites. They connect merchant platforms to the NPCI network for real-time, cardless, and interoperable transactions, bridging rural-urban financial inclusion gaps. 

How AEPS API Service Providers Work:

• Integration & Setup: Aeps India offer Aeps API documentation and technical support, allowing fintechs and retailers to incorporate best AEPS into their existing Aeps platforms.
• Biometric Authentication: Customers visit a registered merchant and use their 12-digit Aadhaar number and fingerprint/iris scan for authentication, removing the need for debit cards or PINs.
• Transaction Processing (Workflow): The merchant Aeps app sends encrypted data via the best Aeps API to the Aeps india, which routes it through the NPCI and UIDAI to the customer’s bank for authorization.
• Settlement & Security: Upon successful verification, the bank debits the customer’s account and instantly credits the agent’s wallet, with real-time confirmation. 

Key Services Offered by AEPS API in India

AEPS API in India enables secure, biometric-based, cardless banking by connecting retail outlets to bank systems, fostering financial inclusion. Key services include cash withdrawals, balance enquiries, mini-statements, cash deposits, and best Aadhaar Pay (merchant transactions) using Aadhaar-linked authentication. 

Key Services Offered by AEPS API:

• Cash Withdrawal: Allows customers to withdraw cash from their linked bank accounts at local retail points (Micro-ATMs) using fingerprint or iris scanners.
• Balance Enquiry: Enables real-time, instant checking of account balances via Aeps biometric authentication.
• Mini Statement: Provides a quick summary of the last 5–10 transactions, allowing users to track their account activity.
• Cash Deposit: Facilitates secure, instant cash deposits into Aadhaar-linked accounts.
• Aadhaar Pay: Allows merchants to accept cashless payments from customers through biometric authentication, eliminating the need for a debit card or PIN.
• Aadhaar-to-Aadhaar Fund Transfer: Enables direct fund transfers between bank accounts linked with Aadhaar.
• eKYC Services: Facilitates instant, paperless, and secure customer identity verification. 

Who Can Use AEPS API Services in India

AEPS Aadhaar Enabled Payment System API services in India can be used by authorized entities, including fintech companies, banks, Business Correspondents (BCs), and Micro ATM operators to facilitate secure, biometric-based banking for customers. Retailers like Kirana stores and, CSC centers can also utilize these b2b Aeps API to offer services like cash withdrawals and, balance inquiries. 

Who Can Use/Offer AEPS API Services (Entities & Individuals)

• Fintech Companies & Startups: To integrate Aeps banking services into, best Aeps apps and best Aeps platforms.
• Banking Correspondents & Agents: Authorized by banks to facilitate transactions in, rural/urban areas.
• Retailers & Small Business Owners: Kirana shops, pharmacies, and mobile stores can become, micro-ATMs.
• Common Service Centers (CSCs) & E-Mitra Centres: For, government-to-citizen services.
• Microfinance Institutions (MFIs): For loan disbursements and, collections.
• Banks & Payment Service Providers: Major banks like SBI, PNB, and Airtel Payments Bank, as well as digital, wallets, utilize this system. 

Requirements for Using AEPS API

To integrate AEPS API services, entities must meet certain criteria: 

• Authorization: Must partner with an Aeps india, licensed by NPCI and RBI.
• Business Registration: Valid documentation like, GST registration and PAN card.
• KYC Compliance: Full, Aeps KYC of the business owner.
• Hardware:, UIDAI-certified Aeps biometric scanners. 

Top Use Cases of AEPS API Service Provider

AEPS API providers facilitate essential, cardless, and biometric-based banking, acting as a crucial tool for financial inclusion in rural and semi-urban areas. Key use cases include instant cash withdrawals/deposits, balance inquiries, mini-statements, direct benefit transfers (DBT), Aadhaar Pay (merchant payments), and Aadhaar-to-Aadhaar fund transfers. 

Some top use cases for AEPS API service providers include:

• Cash Withdrawal & Deposit (Micro-ATMs): Allowing cash transactions at local businesses acting as “mini-ATMs” using Aadhaar and fingerprints.
• Balance Inquiry & Mini Statement: Providing account balance and transaction history access, especially in remote areas.
• Direct Benefit Transfer (DBT) Distribution: Enabling secure government welfare payment disbursement into Aadhaar-linked accounts.
• Aadhaar Pay (Merchant Payments): Allowing merchants to accept cardless, PIN-less payments via Aadhaar biometric authentication.
• Aadhaar-to-Aadhaar Fund Transfer: Facilitating secure money transfers between Aadhaar-linked bank accounts.
• eKYC Services (Electronic Know Your Customer): Enabling instant, paperless identity verification.
• Micro-ATM Integration: Integrating Aeps API into Aeps devices to extend banking to underserved areas. 

Key Aspects of an AEPS API Service Provider

Aeps india is an reliable AEPS API service provider enables secure, NPCI-approved, real-time banking transactions such as cash withdrawal, balance inquiry, and mini-statements using biometric authentication. Key aspects include high success rates (>98%), instant settlement (T+0), robust security (KYC/encryption), 24/7 support, and easy integration for, financial, and retail apps. 

Key Aspects of an AEPS API Service Provider

• Secure & Compliant Authentication: Uses Aadhaar-based biometric (fingerprint or iris) data, ensuring high security, reducing fraud, and adhering strictly to NPCI and UIDAI regulations.
• Core Banking Transactions: Supports essential services including cash withdrawal, balance inquiry, mini-statements, and cash deposits.
• High Success Rate & Speed: Aeps india offers high performance Aeps Api, real-time processing (often >98% success rate) to build trust and ensure quick transactions.
• Instant Settlement (T+0): Aeps india Provides same-day or instant settlement of funds directly into the merchant’s or agent’s wallet.
• Easy Integration & Support: Aeps india offers developer-friendly documentation Aeps API samples, and robust technical support for integrating into web and Android Aeps platforms.
• Interoperability: Allows users to access their bank accounts through any authorized retailer, regardless of the bank.
• Additional Services: Often includes complementary services like Aadhaar Pay, Micro ATM, Domestic Money Transfer (DMT), and BBPS service.
• Transparent Reporting: Provides detailed, real-time reports and analytics for tracking transactions, commission, and agent performance.
• Stringent KYC Onboarding: Requires thorough, mandatory Aeps KYC verification (Aadhaar, PAN, live photo) for agents, often following the “one operator, one bank” rule. 

AEPS API for Cash Withdrawal, Balance Inquiry, and Mini Statement

AEPS Aadhaar Enabled Payment System API enables secure, real-time banking transactions Cash Withdrawal, Balance Inquiry, and Mini Statement using only a customer’s Aadhaar number and biometric authentication. Managed by NPCI, it turns retail shops into micro-ATMs, supporting interoperable transactions for rural and urban financial inclusion. 

Key AEPS API Functions:

• Cash Withdrawal: Securely withdraw funds up to ₹10,000 per transaction from an Aadhaar-linked bank account.
• Balance Inquiry: Instant, real-time check of the available balance via fingerprint or iris scan.
• Mini Statement: Generates a summary of the last 5-10 transactions to track account activity.
• Aadhaar Pay: Allows merchants to accept payments exceeding ₹10,000 daily. 

Technical & Business Details:

• Security: Requires biometric (fingerprint/iris) authentication, ensuring high security.
• Integration: Available as REST Aeps API or SDKs for mobile Aeps apps and web platforms.
• Benefits: High-volume transaction handling, instant Aeps settlement, and commission earnings for agents.
• Providers: Aeps india offer white label AEPS API with options like ICICI Bank or Yes Bank integration. 

Common Use Cases:

• Micro-ATM: Retailers can offer banking services without POS machines.
• Banking Correspondent: Enabling rural banking access.
• Fintech Apps: Integrating Aeps banking Api into digital wallets. 

Role of AEPS API Service Provider in Financial Inclusion and Rural Banking

Aeps india one of the AEPS API service provider drive financial inclusion by enabling rural, unbanked populations to access core banking services such as cash withdrawals, deposits, and balance inquiries using Aadhaar-based biometric authentication at local kirana shops. They transform agents into micro-ATMs, eliminating the need for physical debit cards, PINs, or travel to distant bank branches. 

Key Roles in Financial Inclusion and Rural Banking:

• Bridging the Infrastructure Gap: By enabling local merchants to act as banking correspondents, these Aeps india offer “doorstep banking,” allowing rural residents to access services in their own villages.
• Secure Authentication: They utilize biometric data (fingerprint or iris scan) matched against the UIDAI database, which is crucial for customers with low literacy, reducing fraud, and building trust in digital systems.
• Direct Benefit Transfer (DBT) Facilitation: Fast AEPS API ensure that government subsidies, pensions, and wages (e.g., MGNREGA) reach beneficiaries directly, reducing corruption and middlemen.
• Interoperability: Customers can use their Aadhaar-linked account at any AEPS-enabled touchpoint, regardless of which bank they hold an account with.
• Empowering the Local Economy: By facilitating transactions, they allow local shopkeepers to earn commissions, thus enhancing the financial ecosystem in rural areas.
• Promotion of Cashless Transactions: Through Aadhaar Pay, these services encourage digital payments in rural areas, fostering a shift away from a pure cash economy. 

These Aeps services, often integrated into fintech apps, are essential for bridging the gap between urban and rural, ensuring secure, real-time banking, and promoting financial independence for rural users. 

Why Businesses Need the Best AEPS API Service Provider

Businesses need the best AEPS API service provider like Aeps india to ensure secure, 99.9% uptime, and high-success-rate transactions, driving revenue through Aeps banking software services like cash withdrawals and balance inquiries. Aeps india offer NPCI-compliant, reliable, and easily integrated Aeps API that boost customer trust and increase foot traffic. 

Here is why a top-tier AEPS API service provider is essential:

• High-Security & Compliance: Aeps india ensure compliance with NPCI/RBI and UIDAI guidelines, utilizing biometric authentication to prevent fraud and protect sensitive user data.
• Reliability & High Success Rates: A superior smooth Aeps API infrastructure minimizes transaction failures, providing 99.9% uptime to ensure reliable Aeps service.
• Maximum Revenue (High Commission): Businesses earn higher Aeps commissions (approx. ₹12–₹15 per transaction) through competitive, reliable, and fast settlement Aeps systems.
• Comprehensive Financial Services: Beyond basic cash withdrawals, the Aeps india offer integrated services like Mini ATM, DMT (Money Transfer), and BBPS (BBPS Bill Payments).
• Enhanced Customer Trust & Footfall: Secure, convenient, and cardless, or PIN-less transactions (via biometrics) boost customer satisfaction and loyalty, transforming shops into local, trusted banking hubs.
• Scalability & Support: Aeps india offer scalable, user Aeps API with 24/7 technical support to handle high transaction volumes as the business grows. 

Aeps india is a Powerfull AEPS API provider ensures long-term, secure, and profitable growth for fintech startups, retailers, and financial service providers. 

Benefits AEPS API Service Provider

AEPS API service providers like Aeps india enable businesses, fintechs, and retailers to offer secure, real-time banking services cash withdrawals, balance inquiries, and mini-statements using biometric authentication. Key benefits include high commission Aeps earnings, increased customer footfall, 24/7 service availability, low-cost setup, and crucial support for financial inclusion in rural areas. 

Top Benefits of AEPS API Service Provider:

• New Revenue Streams & High Commissions: Retailers and agents can earn attractive, consistent commissions on every transaction, including cash withdrawals, balance inquiries, and mini-statements.
• Enhanced Customer Footfall: By transforming retail outlets (like Kirana shops) into mini-ATMs, businesses can attract more customers, increasing overall sales and loyalty.
• Secure & Fast Transactions: Utilizing Aadhaar-based, biometric (Aeps fingerprint/iris) authentication, the Aeps system reduces fraud and offers a highly secure,, paperless, and fast transaction process.
• Financial Inclusion & Convenience: Brings essential banking services to rural, unbanked, and underbanked areas, allowing users to access cash without traveling to a bank branch.
• Low Cost & Easy Integration: Requires minimal investment (a smartphone or computer and a biometric scanner) and Aeps india offers simple Aeps API integrate into existing Aeps b2b apps or websites.
• High Success Rates: Aeps india offer stable, high speed Aadhaar Enabled Payment System Api, and reliable Aadhaar Enabled Payment System API.
• 24/7 Availability & Interoperability: Services are available at all times and work across multiple banks, allowing customers to use any bank account linked with Aadhaar.
• Instant Settlement: Aeps India offers quick, real-time settlement of funds into agent accounts, ensuring high liquidity and operational efficiency.
• White Label Opportunities: Aeps idia can brand Aeps platform with their own logo and domain, allowing them to manage their own agents and set commission structures. 
• Comprehensive Service Suite: Often includes additional services like Aadhaar Pay, micro-ATM, domestic money transfers, and bill payments.

Primary Users Benefiting from AEPS API:

• Retailers & Kirana Stores: Aeps india offering instant Aeps cash withdrawal services to local customers.
• Fintech & Payment Service Providers: Integrating Aeps banking services into existing wallets or Aeps b2b software.
• Microfinance Institutions & Banking Correspondents: Facilitating loan disbursements and repayments in remote areas.
• E-commerce Platforms: Allowing customers to pay using Aadhaar in underserved regions. 

Target Entities Benefiting from AEPS API:

• Microfinance Institutions: For loan disbursements and repayments.
• Retail Merchants: To accept direct bank payments.
• Digital Wallets & Fintechs: To enhance their payment service offerings.
• E-commerce Platforms: To offer secure, cardless payment options. 

Leading Aeps Api providers in India for 2026 include Aeps India. 

Features AEPS API Service Provider

AEPS API service providers like Aeps india enable fintechs and businesses to integrate secure, NPCI-compliant Aadhaar-based banking cash withdrawal, balance inquiry, mini-statements, and deposits using biometric authentication. Key features include high success rates (>98%), instant (T+0) settlement, multi-bank interoperability, and 24/7 support. Major Aeps service provider company in india like Aeps India, Noble Web Studio, offer these services. 

Key Features of Top AEPS API Providers 

Top AEPS API providers like Aeps india offer a range of features to facilitate Aadhaar-enabled banking services: 

• Core Banking Functions: These low cost Aeps API support essential services like cash withdrawal, cash deposit, balance inquiry, and mini-statements.
• Transaction Speed and Success: They enable highest speed Aeps API, real-time transactions with a success rate often exceeding 98%.
• Security and Compliance: Aeps india ensure adherence to NPCI and UIDAI regulations, utilizing robust security measures like data encryption and secure biometric authentication (fingerprint or iris scan).
• Instant Settlement: Aeps india offer immediate or same-day (T+0) settlement of funds to agent wallets.
• Real-Time Processing & Settlement: Provides instant transaction processing with 99.9% uptime and T+0 (same day) settlement of funds.
• Aadhaar Pay & Transfers: Supports merchant payments via Aadhaar Pay (higher limits) and secure fund transfers between Aadhaar-linked accounts.
• Interoperability and Reach: Aeps india provide access to a broad network of banks, ensuring multi-bank interoperability.
• Ease of Integration: Aeps india offer customize Aeps API documentation to simplify integration for fintech companies, banks, and retailers.
• Broad Accessibility: Promotes financial inclusion, particularly in rural and underbanked areas, turning retail points into mini-ATMs.
• Bundled Services: Often, AEPS Payment API are part of a larger suite of services, including Aadhaar Pay, Micro ATM, Domestic Money Transfer (DMT), and Bharat Bill Payment System (BBPS).
• Support and Reporting: Comprehensive support is typically available, including real-time transaction reports, 24/7 technical assistance, and robust Aeps admin portal. 

Aeps Api Integration Process

AEPS API integration involves partnering with an NPCI-certified Aeps india, completing Aeps KYC, and implementing Aeps API endpoints for banking services. Key steps include setting up biometric RD services, backend Aeps API integration, setting up a secure callback URL for transaction status, and rigorous testing in a sandbox environment before going Aeps Api live. 

Step-by-Step AEPS API Integration Process

• 1. Select a Certified Provider & Registration: Choose a reliable, NPCI-authorized Aeps india. Register your business and submit required Aeps KYC documents (Aadhaar, PAN, bank details).
• 2. Obtain API Credentials & Documentation: After verification (usually 24-48 hours), you will receive Aeps API keys, Merchant Aeps ID (MID), and detailed Aeps Api documentation.
• 3. Acquire & Register Biometric Devices: Purchase Aeps biometric devices (fingerprint/iris scanners). Install the manufacturer’s Registered Device (RD) Aeps service software.
• 4. Technical Integration (Backend & Frontend):
  • Backend: Implement Aeps API for cash withdrawal, balance inquiry, and mini-statement, following the documentation.
  • Frontend: Create the interface to capture Aadhaar numbers and trigger biometric data capture.
  • Callback URL: Configure a secure HTTPS POST URL to receive real-time transaction updates from the Aeps india.
• 5. Sandbox Testing: Use the Aeps india testing environment to thoroughly check transactions, error handling, and security protocols.
• 6. Go-Live and Monitoring: Once Aeps Api test is successful, switch to production mode to start offering Aeps software services, and continuously monitor transactions and settlements. 

Commission Structure of AEPS API Providers in India

AEPS API service providers like Aeps india offer a tiered commission structure, generally paying retailers/agents ₹2 to ₹15+ per cash withdrawal, with higher commissions for transactions over ₹3,000. Commissions are typically highest on larger withdrawal slabs (₹3,000–₹10,000+), and services often include fixed fees for balance inquiries and mini-statements. 

Typical AEPS Commission Structure (Retailer/Agent)

• ₹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.
• Balance Inquiry/Mini Statement: ~₹1 to ₹5 per transaction. 

Typical AEPS Commission Structure Breakdown (2026):

• Cash Withdrawal (Agent Commission): Generally tiered based on amount, ranging from ₹2 to ₹15 per transaction, with higher rewards for transactions above ₹3,000.
• Percentage-Based Commission: Some models offer up to 0.40% – 0.50% of the transaction amount, often with a maximum cap, such as ₹25 per transaction.
• High-Volume/Super Prime Rates: High-volume agents can secure top-tier commissions, with Aeps india offering up to ₹15 per transaction.
• Aadhaar Pay: For transactions up to ₹50,000, agents may earn a percentage commission, sometimes around 1%.
• Balance Inquiry & Mini Statement: Fixed, lower commission or no commission, with some models offering small incentives for these services.
• Monthly Incentives: Additional bonuses of around ₹2,000 may be awarded for meeting specific transaction, login, and new account opening targets. 

Key Aspects of AEPS Commission Structure

• Top Providers: Aeps India, Noble Web Studio are prominent for offering high commission rates.
• Maximum Earning: Aeps India offer up to ₹13+₹2 bonus for high-value transactions.
• Settlement: Instant (T+0) or same-day (T+1) settlement is standard, which keeps working capital active.
• API Cost: Initial Aeps Api setup fees for Aeps API integrated can range from ₹12,000 to ₹35,000 or more bases on the Aeps india.
• Integration Costs: One time Aeps Api integration/Aeps setup cost generally range from ₹12,000 to ₹35,000, while white label Aeps Api solutions can cost between ₹15,000 and ₹1.2 Lakhs.
• Alternative Structure: Some models apply a percentage, such as 0.40% of the transaction amount, up to a maximum cap.
• Transaction Success Rate: High success rates (98%+) are critical for consistent earnings. 
• Service Scope: Includes cash withdrawal, balance inquiry, mini-statement, and Aadhaar Pay. 
• Additional Income: Multi service Aeps API allow for extra income through BBPS (bill payments), recharges, and Aadhaar Pay. 

Note: Aeps Commission structure can vary based on the Aeps india and whether the service is offered through a white label Aeps Api solution or a direct Aeps API.

Cost AEPS API Service in India

AEPS API services in India typically cost between ₹7,999 and ₹50,000 for Buy Aeps Api setup/white label Aeps software licensing, with some specialized “proper” Aeps bank API reaching up to ₹4.5 lakhs. Ongoing costs often include 0.5%–1% transaction fees, or commissions up to ₹13 per transaction, with Aeps india charging annual fees around ₹30,000–₹40,000. 

Key Cost Factors for AEPS API in India:

• Setup Fees: Usually range from ₹12,000 to ₹35,000+. Aeps india offer Aeps setup as low as ₹7,999–₹15,000.
• White Label API: Generally White label Aeps Api cost ₹15,000–₹25,000, allowing businesses to use their own brand name.
• Mid-Range: ₹15,000 – ₹35,000.
• Premium/Direct Bank API: High Aeps API (e.g., ICICI/Yes Bank) cost ₹2.5 Lakhs–₹4.5 Lakhs.
• Transaction Fees: Approximately ₹2 to ₹5 per successful transaction.
• Commission Structure: Agents may earn commissions up to ₹13 per transaction based on volume.
• Annual Maintenance (AMC):Aeps india charge a yearly fee, ranging from ₹9,999 to ₹30,000+. 
• Transaction Commission Structure (Approx.):
  • ₹100–₹999: ~₹2 per transaction.
  • ₹1,000–₹1,499: ~₹3 per transaction.
  • ₹1,500–₹1,999: ~₹4.5 per transaction.
  • ₹2,000–₹2,499: ~₹5.5 per transaction.
  • ₹2,500+: Up to ₹13–₹15 or 0.40%–1%.
• Other Costs: Biometric devices generally cost around ₹1,500–₹5,999. 

Factors Influencing Cost:

• Integration Type: cheap White label Aeps Api , Direct branded Aeps API (more expensive, higher reliability).
• Support & Reliability: Higher upfront costs usually ensure better uptime, faster Aeps API response times, and stronger security.
• Additional Features: Inclusion of mini-statements, balance inquiries, and direct money transfers. 

Security and Compliance in AEPS API Transactions

AEPS API transactions require strict adherence to NPCI and RBI guidelines to ensure security, focusing on end-to-end encryption (AES-256), mandatory STQC-certified L1 Aeps biometric devices, and Agent KYC. Effective January 1, 2026, new norms include the “One Agent, One Bank” rule, 2FA for cash withdrawals, and enhanced, real-time monitoring of agent behavior to prevent fraud. 

Key Security Components

• Biometric Authentication: Mandatory use of STQC-certified Aeps fingerprint or iris scanners for authentication, reducing fraud risks compared to traditional PINs.
• Encryption & Security: Data is protected using RSA encryption for sensitive parameters, such as Aadhaar numbers and biometric data, during transmission.
• L1 Registered Devices: Implementation of mandatory L1-certified Registered Devices (RD service) is required to ensure secure biometric capture.
• API Security: Robust Aeps API onboarding involves Aeps API key, IP whitelisting, and real-time fraud monitoring to detect anomalies. 

Compliance & Regulatory Framework 

• NPCI Certification: All AEPS API must be certified by the National Payments Corporation of India (NPCI).
• Agent KYC & Due Diligence: Mandatory e-KYC (Aadhaar, PAN, Bank details) for agents, with re-KYC for 3-month inactivity.
• “One Agent, One Bank” Rule: As of January 1, 2026, agents are generally restricted to linking with one primary bank for settlement.
• 2FA (Two-Factor Authentication): New compliance requires 2FA for cash withdrawals, using a reference_id from merchant authentication. 

Transaction Safeguards

• Velocity Checks: Monitoring limits on the number and value of transactions to identify, block, and prevent fraudulent activity.
• Transaction Alerts: Banks provide real-time alerts for AEPS transactions. 

For secure operations, partners must ensure their Aeps india are compliant with the latest NPCI regulations and RBI guidelines. 

Secure AEPS API with NPCI and UIDAI Guidelines

As of January 1, 2026, NPCI and UIDAI have enforced strict, mandatory guidelines for top AEPS API service, focusing on enhanced security, “One Operator, One Bank” rules, and L1-certified Registered Devices (RD). Key requirements include mandatory agent KYC, 3-month inactivity re-KYC, biometric liveness detection, and zero storage of biometric data. 

Key 2026 NPCI & UIDAI Guidelines for AEPS API:

• Mandatory KYC & Onboarding: All agents (Bank Correspondents/Merchants) must undergo full KYC, including Aadhaar and PAN verification.
• One Operator, One Bank Rule: To increase accountability, an AEPS operator can only be associated with one acquiring bank.
• Registered Devices (RD) Only: All Aeps biometric devices must be STQC-certified, L1-compliant Registered Devices.
• Biometric Liveness Detection: To prevent spoofing, the Aeps service API must support liveness detection to ensure a real person is present.
• Inactive Account Rule: Agents inactive for three consecutive months must undergo mandatory re-KYC.
• Data Privacy: No biometric data can be stored on agent devices or servers (UIDAI compliance).
• Real-time Monitoring: Acquiring banks must perform real-time monitoring of transactions to detect fraud. 

AEPS API Integration Requirements:

• Authorized Partner: You must partner with an NPCI-approved, licensed Aeps india.
• Security Standards: Ensure the Aeps API uses secure HTTPS, encrypted data transmission, and complies with Aadhaar data security regulations.
• Core Services: The purchase Aeps API should support Cash Withdrawal, Balance Inquiry, and Mini Statement services.
• Cost: Initial Aeps integration typically ranges from ₹12,000–₹35,000, with varying transaction fees. 

Note: Direct Aeps API integration with NPCI is not possible; it must be done through an Aeps india. 

Tips to Choose High Commission Aeps Api

Choosing a high commission Aadhaar Enabled Payment System API requires prioritizing security, high success rates (>98%), and instant T+0/T+1 settlements. Aeps india offering competitive commissions (up to ₹12–₹15/transaction), robust 24/7 technical support, NPCI/RBI compliance, and multi bank Aeps Api integration. 

Key Factors for Selecting High Commission AEPS API:

• Commission Structure: Aeps india to find the highest, transparent commission per transaction. Aeps india offers up to ₹15 for super prime retailers, while typical top-tier, Noble web studio provide competitive Aeps Commission rates.
• Transaction Success Rate & Uptime: Ensure a 98%+ success rate and 99.9% uptime to maintain customer trust and avoid failed transaction disputes.
• Settlement Speed (T+0/T+1): Aeps india offering instant (T+0) or same-day (T+1) settlement to maintain healthy working capital flow.
• Security & Compliance: Ensure the Aeps india is RBI/NPCI certified and uses secure biometric authentication to prevent data breaches.
• Technical Support: 24/7 support via phone or WhatsApp is critical to resolve technical issues promptly, reducing downtime.
• Additional Services: Select Aeps b2b platforms that bundle AEPS with Mini ATM, BBPS (Bill Payment), and DMT (Money Transfer) to maximize income.
• White Labeling & Scalability: If expanding a business, choose a Aeps india allowing white labeling Aeps software solution and scalable Aeps service API solutions.
• Ease of Integration: The Aeps API documentation should be developer-friendly for quick and easy Aeps Api integrating. 

Important Tips:

• Always check for hidden charges or high Aeps onboarding fees.
• Test Aeps API with a small volume to verify the promised success rate and settlement speed.
• Verify the company’s credibility by asking for their experience,, staff strength, and, previous, project, deliveries. 

Aeps India- High Commission AEPS API Service Provider

Top High Commission AEPS API Service Providers in India for 2026, such as Aeps India, Noble Web Studio offer up to ₹15–₹16 per transaction for retailers. These Aeps india feature high success rates (98%+), instant settlement, and secure NPCI-certified systems for cash withdrawal and balance inquiries. 

Top High-Commission AEPS API Providers (2026)

• Aeps India: Recognized as a top, high-paying Aeps india (up to ₹15 per transaction for Super Prime Retailers) with a 98% success rate and 24/7 support.
• Noble Web Studio: Known for high commission structures (up to ₹15-₹16) and reliable, secure Aeps API integrating.

Key Features and Benefits

• High Commission Rates: Up to ₹15–₹16 per transaction for high-volume (“Super Prime”) retailers.
• High Success Rate: Aeps India and Noble Web Studio boast a 98% or higher transaction success rate.
• Best API Security: NPCI/RBI certified, ensuring secure, compliant transactions.
• Technical Stability: High transaction success rates (98% or higher) and minimal downtime.
• Instant Settlement: Enables, often instant or same-day (T+0/T+1), bank transfers.
• Security & Compliance: NPCI/RBI certified systems ensuring secure Aadhaar-based authentication.
• White Label Solutions: Options to brand the Aeps B2B portal for business growth. 
• Additional Services: Integration often includes DMT, Micro ATM, and bill payments. 

Common Services Offered

• AEPS Cash Withdrawal: Highest commission, often over ₹13 for high-value transactions.
• Balance Inquiry & Mini Statements: Fixed commission, typically ₹1 to ₹5.
• Aadhaar Pay: Card-less payment solution for merchants.
• Domestic Money Transfer (DMT): Fast, secure transfer services. 

For securing the highest commission, Aeps india often tier their rates based on “Super Prime” or high-volume, authorized retailers. 

Best Aeps Service Provider Company in India

Top AEPS service provider companies in India for 2026 include Aeps india and Noble web studio, recognized for high commissions,, secure transactions, and reliable, high-success rate systems. These Aeps admin platforms empower retailers with cash withdrawals, balance inquiries, and mini-statements using Aadhaar-based authentication. 

Top AEPS Service Provider Companies in India (2026):

• Aeps India: Regarded as one of the leading Aeps platforms for offering high Aeps commissions, with earnings reportedly reaching up to ₹15 per transaction for super prime retailers. It operates as a major, reliable, and widely trusted rural fintech network across India. The Aeps platform provides secure, customize Aeps software, and high AEPS software to ensure smooth transactions. It is also known for delivering NPCI-compliant, secure, and fast AEPS API services designed for agents and white label Aeps business solutions.
• Noble web studio: Known for providing free AEPS ID, daily Aeps settlements, and a high commission structure of approximately ₹13 + ₹2 per transaction. It features a wide retailer network supported by a simple and user-friendly mobile Aeps application. The top Aeps platform offers strong and reliable banking infrastructure with minimal downtime, ensuring smooth operations. It also specializes in real time Aeps Api, high speed Aeps Api transactions for better service efficiency.

Key Factors for Choosing the Best AEPS Provider:

• High Commission Rates: Aeps india offer up to ₹10-₹15 per transaction.
• Success Rate & Uptime: Reliable, quick, and secure, with minimal transaction failures.
• Instant Settlement: Immediate, same-day transfer of earned funds to the bank account.
• Security & Compliance: Fully compliant with RBI and NPCI guidelines.
• Support & Training: 24/7 technical support, training, and easy Aeps onboard. 

Aeps india allow retailers to convert their shops into “digital banking points,” enhancing income through services like cash withdrawal, Aadhaar Pay, and utility bill payments. 

Best AEPS API Service Provider in India

Aeps india is the India best AEPS API provider requires prioritizing NPCI/RBI compliance, >98% transaction success rates, instant (T+0) settlements, and 24/7 technical support. Aeps india offer robust, developer friendly Aeps API with high commissions (up to ₹15), secure, 2FA-enabled, and multi-bank, stable infrastructure for seamless cash withdrawals. 

Key Factors for Choosing the Best AEPS API Provider:

• Security & Compliance: Ensure the Aeps india is authorized by the National Payments Corporation of India (NPCI) and compliant with UIDAI guidelines to secure biometric data.
• Reliability & Performance: Look for a 98%+ success rate, high uptime, and fast processing to avoid customer loss.
• Transaction Success Rate & Uptime: Look for 99.9% uptime and high transaction success rates (98% or higher) to avoid failures and maintain customer trust.
• Settlement Speed (T+0): Aeps india that offer instant or same-day (T+0) settlements, ensuring your working capital is not blocked.
• Commission Structure: Look for competitive, transparent, and high commission payouts (e.g., ₹5–₹15 per transaction).
• Technical Support & Integration: Reliable 24/7 support via phone or WhatsApp and well-documented API integration is crucial.
• Documentation & Onboarding: The Aeps india should offer a simple, digital Aeps KYC process for fast Aeps registration. 
• Integration & Features: The High commission Aeps API should be easy to integrate, support multiple banks, and offer additional services like Bharat Bill Payment System service, Micro ATM, and money transfers. 

Steps to Select and Integrate:

1. Verify Credibility: Confirm NPCI/RBI certification and check reviews.
2. Evaluate API Quality: Test for easy, well-documented Aeps API integration.
3. KYC and Onboarding: Complete KYC, submit business documents, and register your biometric device.
4. Sign Agreement: Review terms regarding fees and, if necessary, opt for a free, no-joining-fee Aeps ID to start. 

Why AEPS India is a Trusted AEPS API Service Provider

Aeps india one of the trusted AEPS API service provider is considered reliable due to 100% compliance with RBI, NPCI, and UIDAI standards, ensuring secure, encrypted, and fraud-free Aadhaar-based transactions. Aeps india offer high, 99.9% uptime, rapid integration, 24/7 technical support, and competitive commission structures, facilitating seamless, high-success-rate Aeps banking service like cash withdrawals and mini-statements. 

Key reasons for choosing a trusted AEPS API provider include:

• Stringent Security & Compliance: Adheres to regulatory guidelines from the NPCI and RBI, utilizing secure, biometric-based, and encrypted transactions.
• Top-Tier Security: Utilizes, biometric authentication (fingerprint/iris) and end-to-end encryption to prevent fraud and, protect sensitive, customer data.
• High Transaction Success Rates: Aeps india offer stable, superior infrastructure (often 99.9% uptime) that minimizes failed transactions and ensures real-time processing.
• High Reliability & Uptime: Ensures 99.9% system availability, preventing, transaction failures and revenue loss for agents.
• Easy Integration & Support: Aeps india offers easy, fast, and well-documented API integration into existing apps, websites, or platforms, backed by 24/7 technical assistance.
• Competitive Commissions: Provides attractive, high-commission structures for agents and retailers, enhancing profitability.
• Fast Settlements & High Commissions: Aeps india offers, competitive, commission structures (e.g., ₹12–₹15 per transaction) and quick, settlement options (T+0/T+1).
• User-Friendly Integration: Provides, well-documented, easy-tointegrate APIs and 24/7 technical, support to resolve issues quickly.
• Comprehensive Services & Scalability: Beyond cash withdrawals, they offer white label Aeps solutions including mini-statements, balance inquiries, and Micro ATM device services, suitable for business growth.
• Instant Settlements: Enables fast (T+0 or instant) settlements to maintain working capital efficiency. 
  

These factors, including secure, rapid, and compliant technology, enable Aeps india to confidently deliver Aeps banking services to rural and urban areas. 

Future Trends of AEPS API Service Provider

Future trends AEPS API service providers like Aeps india are primarily focused on enhanced security, deeper ecosystem integration, and a more comprehensive user experience to drive financial inclusion across India. 

Key future trends include:

Advanced Security Measures:

• AI and Machine Learning: Aeps india are leveraging AI Aeps Api and ML for real-time fraud detection by analyzing transaction patterns and user behavior.
• Advanced Biometrics & Liveness Detection: The industry is moving beyond basic fingerprint scans to include more sophisticated methods like iris and face recognition, with a strong emphasis on “liveness detection” to prevent spoofing with fake biometrics.
• Stricter Compliance: The Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI) are enforcing stricter regulations, such as mandatory full KYC for operators and the “one-operator-one-bank” rule, to curb fraudulent activities.

Deeper Ecosystem Integration:

• Integration with UPI and BBPS: AEPS API are being seamlessly integrated with other digital payment platforms like the Unified Payments Interface (UPI) and Bharat Bill Payment System (BBPS) to create multi-service financial hubs.
• Embedded Finance: Banking services will be increasingly embedded directly into non-financial applications, making financial services more accessible in everyday apps.
• Expanded Services: Beyond basic cash withdrawals and balance inquiries, Best AEPS platform will offer a wider range of services, including micro-loans, insurance, and domestic money transfers (DMT).

Improved User Experience and Accessibility:

• Mobile-First Solutions: There is a continued focus on developing Aeps software and Aeps portals that are accessible to users with varying levels of digital literacy.
• Real-Time Settlement: Faster, often instant (T+0), transaction processing and settlement of funds is becoming a standard feature, improving operational efficiency and cash flow for agents.
• Addressing Infrastructure Gaps: Aeps Solution are being Aeps software development to ensure robust performance even in low-connectivity rural areas, further promoting financial inclusion for the unbanked and underbanked populations. 

These trends are transforming local retail shops into comprehensive “mini-banking hubs,” allowing businesses to diversify their offerings, increase customer footfall, and generate new revenue streams while contributing to India’s digital economy goals. 

Conclusion

Choosing theAeps india one of the best AEPS API service provider in India is one of the most important decisions for retailers, fintech companies, and financial service providers in 2026. A reliable AEPS API India solution ensures smooth Aadhaar-based transactions, high success rates, and secure authentication for every customer. When your Aeps B2B platform offers fast and error-free AEPS cash withdrawal services, it automatically builds trust and increases daily transactions.

Aeps india is an AEPS API service provider offers the technology (Application Programming Interface) for businesses to integrate Aadhaar-based banking services cash withdrawal, balance inquiry, and mini-statements into their own apps or websites. Aeps india are crucial for fintechs, allowing secure, real-time financial transactions compliant with NPCI, often used in rural areas. 

Top AEPS API service providers in India for 2026 include Aeps india offering high commissions up to ₹15 per transaction, robust security, and 99% uptime for seamless,, secure Aadhaar-based banking services. These secure Aeps platforms are ideal for fintech startups and retailers, providing instant settlement and easy integration. 

Aeps india is the right AEPS API provider should offer high commission, fast settlement, strong security, and easy API integration. These features help retailers earn more income while providing safe and convenient banking services to customers. A scalable and secure AEPS API integration system also supports high-volume transactions without downtime, which is very important in today’s competitive digital payment market.

Partnering with a AEPS India gives you access to secure integration, transparent commission plans, and dedicated technical support. With increasing demand for Aadhaar-based banking services across rural and urban India, investing in the right AEPS API service provider can help you build a profitable and sustainable digital payment business.

If you want to grow your AEPS business and stay ahead in the fintech industry, always choose a experienced and trusted AEPS service provider in India. The AePS Cash Withdrawal API not only increases your profit but also supports financial inclusion by bringing banking services closer to rural and semi-urban customers.

Investing in Aeps india is the best AEPS API service provider in India is the key to long-term success, higher commission earnings, secure transactions, and sustainable business growth in the digital India ecosystem.

FAQs – Best AEPS API Service Provider in India