Top AEPS Company in India: Complete Guide for Retailers & Businesses

Finding the top AEPS company in India is crucial for businesses that want to offer Aadhaar Enabled Payment System (AEPS) services such as cash withdrawal, balance enquiry, mini statement, and Aadhaar-based fund transfers. AEPS has become a vital tool for retailers, CSPs, and fintech businesses to provide fast, secure, and RBI-compliant banking services while earning daily commissions.

An AEPS (Aadhaar Enabled Payment System) company provides a technology Aeps platform, often used by fintechs, banks, and retailers, to facilitate banking transactions using an Aadhaar number and biometric authentication. These Aeps india enable secure, cardless services like cash withdrawals, balance inquiries, and mini-statements, primarily aimed at improving financial access in rural India. 

Based on 2026 industry reports, Aeps india is ranked as a top AEPS service provider in India, offering high commission rates (up to ₹15) and strong, stable service for retailers. Top contenders include Aeps india all recognized for secure, efficient, and user-friendly banking services. 

Partnering with the No.1 AEPS service provider in India like Aeps india ensures smooth operations, full regulatory compliance, and future-ready technology for B2B, B2C, and retail Aeps platforms. Whether you are starting an AEPS business or scaling an existing one, choosing a trusted AEPS company in India is the first step to delivering reliable digital banking services and consistent growth.

Aeps India stands out as a trusted AEPS provider, offering reliable AEPS software, white label Aeps solutions, API integration, and real-time settlements. By choosing a Aeps india one of the india No.1 top AEPS company, businesses can serve more customers efficiently, build trust, and grow in India’s competitive digital payments industry.

Aeps India is recognized as a leading AEPS company in India, offering a secure, user-friendly, and scalable Aeps platform for businesses and fintech partners. With features like real-time transactions, easy onboarding, and robust security, Aeps India helps businesses expand their reach, increase revenue, and provide smooth digital banking services to customers.

Aeps india is the right AEPS company in India is crucial for growing your business, building customer trust, and staying ahead in the competitive digital payment and banking industry.

This guide will help businesses understand how to choose the best AEPS company in India, key features to look for, benefits of a trusted AEPS platform, and future opportunities in the digital payment sector.

What Is AEPS Company

AEPS companies act as Aeps india intermediaries, leveraging NPCI infrastructure to enable banking services cash withdrawal, balance inquiry, and deposits via Aadhaar-linked biometric authentication. These platforms turn local Kirana stores into mini-banks, allowing agents to earn commissions, with prominent Aeps india. 

AEPS Company Work

Aeps india is an AEPS company acts as a technology bridge, enabling local retailers to function as “mini-banks” by facilitating secure, biometric-based banking services for customers without needing a card or PIN. Aeps india provide Aeps software, API, and support for transactions like cash withdrawals, deposits, and balance inquiries. 

Key Aspects of AEPS Company Work:

• Technology & Infrastructure: Aeps india provide secure Aeps application and best Aeps API integration to connect retailer point-of-sale (POS) terminals to the NPCI network, allowing real-time, Aadhaar-based transactions.
• Agent Onboarding & Training: They register local agents (retailers), conduct Aeps e-KYC verification, and provide training on using Aeps biometric devices (fingerprint/iris scanners).
• Core Services Provided:
  • Cash Withdrawal & Deposit: Secure cash transactions using Aadhaar and biometrics.
  • Balance Enquiry & Mini Statement: Real-time account information.
  • Fund Transfer: Aadhaar-to-Aadhaar fund transfers.
• Commission Structure: Retailers (agents) earn commissions for each successful transaction, often ranging up to 1.25% or fixed amounts depending on the transaction value.
• Settlement Services: They manage the backend settlement, ensuring funds are properly credited to agent wallets, typically on a T+1 (next day) or instant basis. 

Aeps India mainly aim to improve financial inclusion in rural areas by allowing, for example, this service for easier banking access. 

AEPS Services Offered

Aadhaar Enabled Payment System (AEPS) offers essential, interoperable, and secure banking services including cash withdrawal, deposit, balance enquiry, and mini-statement generation directly through biometric authentication at Micro ATM or bank business correspondents. Designed for financial inclusion, it enables secure Aadhaar-to-Aadhaar fund transfers, BHIM Aadhaar Pay, and eKYC. 

Key Services Offered via AEPS:

• Cash Withdrawal: Enables customers to withdraw cash from their Aadhaar-linked bank account without visiting a bank branch, usually up to ₹10,000 per transaction.
• Cash Deposit: Allows instant cash deposits into an Aadhaar-linked account.
• Balance Enquiry: Provides real-time information on the available balance in the bank account.
• Mini Statement: Enables users to check the last few transactions.
• Aadhaar to Aadhaar Fund Transfer: Permits money transfers between two Aadhaar-linked bank accounts.
• BHIM Aadhaar Pay: Allows merchants to accept payments from customers via Aadhaar authentication.
• eKYC & Authentication: Facilitates electronic Know Your Customer (eKYC) and identity verification. 

Who Can Use AEPS Company

Any Indian resident with an Aadhaar-linked bank account can use AEPS (Aadhaar Enabled Payment System) to perform secure, biometric-authenticated banking transactions like cash withdrawals, deposits, and balance inquiries. It is designed for, but not limited to, rural and underbanked populations, requiring only a smartphone, internet, and a biometric device. 

Key Users of AEPS Services (Customers)

• Aadhaar Holders: Any Indian citizen with a valid Aadhaar number.
• Bank Account Holders: Individuals with a bank account linked to their Aadhaar.
• Rural/Unbanked Population: Individuals with limited access to physical bank branches or ATMs.
• Individuals without Cards/PINs: Those who cannot access conventional Micro ATM services. 

Who Can Become an AEPS Agent/Provider

• Small Business Owners: Kirana shops, pharmacy owners, and small retailers looking to offer banking services.
• Business Correspondents (BC): Authorized agents providing banking services in remote areas.
• Individuals: Individuals aged 18+ with PAN and Aadhaar cards, looking to earn commission on banking transactions.
• Requirements for Agents: A smartphone or computer, a biometric device (fingerprint scanner), and registration with an authorized AEPS service provider company such as Aeps india. 

Core Requirements to Use AEPS

The core requirements to use the Aadhaar Enabled Payment System (AEPS) as a customer are minimal, as the system is designed for ease of use in rural and remote areas. The foundational requirement is an Aadhaar-linked bank account. 

Here are the specific, non-negotiable requirements for a customer to use AEPS:

• 12-Digit Aadhaar Number: You must have a valid, active Aadhaar card number.
• Aadhaar-Linked Bank Account: Your bank account must be seeded (linked) with your Aadhaar number. If you have multiple accounts, only the primary linked account can be used.
• Biometric Data: You must provide Aeps biometric authentication, specifically a fingerprint or iris scan, at the time of the transaction to verify your identity.
• Bank Name/IIN: You must know the name of your bank or its Issuer Identification Number (IIN).
• Access to an AEPS Agent/Terminal: You must visit an authorized Business Correspondent (BC), bank branch, or a local shop equipped with an AEPS-enabled micro-ATM. 

Important Notes for Customers:

• No Card or PIN Needed: You do not need a physical debit card, credit card, or PIN.
• No Smartphone Needed: You do not need a smartphone or internet connection; the agent’s device handles the connectivity.
• Limits: The maximum withdrawal limit per transaction is typically ₹10,000, with a daily limit of ₹50,000, though this varies by bank.
• Security: It is highly recommended to lock your biometrics via the mAadhaar app or UIDAI website and unlock them only when performing a transaction to prevent fraud. 

If you are an Agent/Retailer wanting to offer AEPS services, you must additionally have:

• A smartphone/computer with internet.
• A STQC/UIDAI-certified Aeps biometric device (fingerprint/iris scanner).
• Registered with a Business Correspondent (BC) or bank.
• Completed KYC (PAN card, Aadhaar, bank details).
• Mandatory compliance with new 2026 RBI guidelines (full KYC, 3-month re-KYC for inactive agents). 

Documents Required for AEPS Registration in India

AEPS registration in India requiresKYC documents: Aadhaar Card, PAN Card, active bank account details (passbook/cancelled cheque), and a passport-sized photo. A mobile number linked to Aadhaar is essential for OTP authentication. Additionally, a registered biometric device (fingerprint/iris scanner) and a smartphone/PC are required for agent onboarding. 

Required Documents for AEPS Agent Registration

• Aadhaar Card: The primary document, which must be linked to the agent’s bank account for identity verification.
• PAN Card: Mandatory for income tax purposes and identity verification.
• Bank Account Proof:  A cancelled cheque, bank statement, or the first page of the passbook to verify the bank account.
• Mobile Number: Must be linked with the Aadhaar number for OTP authentication.
• Passport-sized Photograph: A recent photograph is required.
• Shop or Business Address Proof: Optional but recommended documents include an electricity bill, rent agreement, or other government IDs. 
  

Technical and Other Requirements

• Biometric Device: A fingerprint or iris scanner is necessary for customer authentication.
• Smartphone/Computer: A device to run the best AEPS application or Aeps portal. 

Key Considerations

• Aadhaar-Bank Linking: The bank account used for registration must be linked to the Aadhaar number.
• Age Requirement: The applicant must be at least 18 years old.
• No Physical Document Needed for Transaction: Customers only need their Aadhaar number and Aeps biometric authentication, not the physical card. 

Top Use Cases of AEPS Company

(AEPS) Aadhaar Enabled Payment System companies like Aeps india facilitate essential, cardless banking services by turning local shops into mini-banks using biometric authentication. Key use cases include, but are not limited to, cash withdrawals/deposits, balance inquiries, mini-statements, inter-bank fund transfers, government benefit (DBT) disbursements, and secure merchant payments (Aadhaar Pay). 

Top Use Cases of an AEPS Company

• Cash Withdrawal & Deposit: Customers can withdraw or deposit cash from their Aadhaar-linked bank accounts at local retail outlets, eliminating the need to visit distant bank branches or ATMs.
• Balance Inquiry & Mini Statement: Instant, real-time access to account balances and recent transaction history via biometric (fingerprint/iris) verification.
• Aadhaar-to-Aadhaar Fund Transfer: Secure, instant transfer of funds between different Aadhaar-linked accounts, often used in rural areas for remittances.
• Financial Inclusion in Rural Areas: Enabling local kirana stores, pharmacies, and small shops to act as Business Correspondents (BCs) or “micro-ATMs,” providing banking access to unbanked populations.
• Government Benefit Disbursements (DBT): Efficient and transparent delivery of government subsidies, pensions, and wages (e.g., NREGA) directly into the beneficiaries’ accounts.
• Aadhaar Pay (Merchant Payments): Allowing merchants to accept digital payments from customers directly from their bank accounts, without requiring a debit card or POS machine.
• eKYC Services: Facilitating instant, paperless, and secure customer identification (eKYC) for opening bank accounts or onboarding for services.
• Utility Bill Payments & Recharges: Retailers can offer value-added services like mobile recharges, DTH, and electricity bill payments. 

Why AEPS Company Is Important for Digital India

AEPS companies like Aeps india are critical to Digital India by driving financial inclusion, particularly in rural areas, by enabling secure, cardless, and PIN-less banking transactions using only biometric authentication. They bridge the banking gap by turning local kirana shops into “mini-banks,” facilitating Direct Benefit Transfers (DBT) for government subsidies, and promoting a cash-lite economy, reducing reliance on physical bank infrastructure. 

Key Reasons for Importance:

• Financial Inclusion in Rural Areas: AEPS bridges the gap for rural populations, providing access to banking services (cash withdrawal, deposit, balance check) without needing to travel to city bank branches.
• Empowering Local Retailers: By acting as Business Correspondents (BCs), local shop owners can offer financial services, increasing their income through commissions and driving local economic growth.
• Secure and Simple Transactions: Transactions are authorized via Aadhaar number and biometric (fingerprint/iris) authentication, which is secure and convenient, especially for those not comfortable with smartphones.
• Direct Benefit Transfer (DBT): Aeps india enable the government to transfer subsidies, pensions, and wages directly into beneficiaries’ bank accounts, ensuring transparency and reducing fraud.
• High Interoperability: AEPS systems allow users to perform transactions across different banks, ensuring that a person can use a local agent’s service regardless of which bank they have an account with.
• Reduced Cash Dependency: By enabling digital, doorstep banking, AEPS providers such as Aeps india support the nationwide shift towards a less-cash society, reducing the burden on physical ATMs. 

Why Businesses Need a Reliable AEPS Company

Businesses need a top-tier Aeps india is Aadhaar Enabled Payment System company to unlock new, consistent revenue streams, increase store foot traffic, and foster customer loyalty by providing secure, convenient, and cashless banking services (cash withdrawal, balance inquiry). Aeps india ensures high transaction success rates, robust security, and compliance with NPCI/RBI guidelines, which is vital for building trust in both rural and urban markets. 

Key Reasons to Partner with a Best-in-Class AEPS Company:

• Significant Revenue Generation: Retailers can earn high commissions on every transaction, such as cash withdrawals and deposits.
• Increased Footfall & Loyalty: Providing essential, immediate banking services turns a local shop into a financial hub, attracting more customers and encouraging repeat business.
• High Security & Trust: Aeps india use advanced, secure biometric authentication (fingerprint/iris) to reduce fraud and build trust among users.
• Low Investment, High Returns: The Aeps setup is minimal, usually requiring only a smartphone or PC and a biometric device, making it cost-effective.
• Financial Inclusion: Enables access to banking in remote, unbanked areas, aiding in direct benefit transfers (DBT) and catering to non-tech-savvy users.
• High Success Rates & Fast Settlement: A dependable Aeps API ensures seamless, real-time transactions, reducing customer frustration and operational delays.
• Streamlined Operations: Features like fast settlement, real-time transaction updates, and 24/7 technical support, as offered by Aeps India, ensure uninterrupted service. 

Choosing a Aeps india allows businesses to act as banking correspondents, fostering growth and adapting to a digital, cashless economy. 

Top AEPS Company in India for Businesses and Retailers

Aeps india one of the top AEPS companies in India for 2026, offering high commissions (up to ₹15/transaction) and reliable services for retailers, include Aeps India. These Aeps platforms facilitate Aadhaar-based cash withdrawals, balance inquiries, and mini-statements, with best Aeps service provide company in india being Aeps India. 

Top AEPS Companies in India 2026

• Aeps india: Aeps india for retailers, offering a free AEPS ID, high Aeps commission (₹13 + ₹2), and daily settlements.
• Noble web studio: A leading rural fintech network, offering a strong, merchant-focused ecosystem with good brand recall.

AEPS for Retailers, Distributors & Fintech Startups

AEPS (Aadhaar Enabled Payment System) empowers retailers, distributors, and fintech startups in India to offer essential banking services cash withdrawal, balance inquiry, and mini-statements using Aadhaar-based biometric authentication. It facilitates financial inclusion, allowing kirana shops to act as mini-banks while generating high commission income, often ₹2–₹15+ per transaction. best aeps service provider in india include Aeps india. 

Key Benefits & Opportunities

• For Retailers (Agents): High Aeps commissions (up to ₹13 + ₹2 per transaction), increased footfall, and no heavy infrastructure required (just a smartphone and Aeps biometric device).
• For Distributors: Opportunity to manage a network of agents, enabling rural banking and earning commission-based income.
• For Fintech Startups: Access to Aeps B2B white label Aeps software, allowing for custom branding, secure Aeps API integration, and rapid scaling of digital payment services. 

Features AEPS Company in India

AEPS companies provide such as Aeps india secure, cardless, and PIN-less banking services including cash withdrawal, deposit, balance inquiry, and mini-statements using Aadhaar-linked biometric authentication (fingerprint or iris scan). These Aeps admin platforms ensure high success rates, interoperability across banks, real-time transaction processing, and support government,
. 

Key Features of AEPS Services:

• Financial Inclusion: Facilitates access to banking services, particularly in rural or remote areas with limited infrastructure.
• Secure Transactions: Uses biometric authentication (fingerprint/iris) to prevent unauthorized access.
• Core Banking Functions: Enables cash withdrawal, cash deposit, balance enquiry, and mini-statement generation.
• Interoperability: Allows customers to access services across multiple banks, enabling transactions on any AEPS-enabled device.
• Aadhaar Pay: Facilitates merchant payments using the Aadhaar number.
• Fund Transfer: Supports secure, direct money transfers between Aadhaar-linked accounts.
• Micro ATM Integration: Allows agents to use portable devices for transactions.
• Biometric Authentication: Transactions are secured using fingerprint or iris scans, eliminating the need for physical cards or PINs.
• Real-Time Processing: Provides instant, fast, and reliable transaction processing.
• User-Friendly: Simple interface suitable for rural financial inclusion. 
• High-Security Standards: Incorporates AI-powered fraud detection, end-to-end encryption, and multi-layer authentication.

Features of Top AEPS Provider Companies:

• High Success Rates: Technology designed to minimize transaction failures.
• Commission Structure: Aeps india offers attractive Aeps commission rates for agents and retailers.
• Instant Settlement: Provides quick settlement of funds to agent accounts.
• Robust API/Software: Reliable, secure Aeps API integrate for partners.
• Comprehensive Reporting: Detailed transaction reports for monitoring and analysis.
• Support: Dedicated, prompt customer service for, and, troubleshooting. 

Benefits AEPS Company in India

AEPS (Aadhaar Enabled Payment System) companies like Aeps india provide crucial financial services, enabling secure, cardless, and PIN-less transactions (cash withdrawals, balance inquiries, and fund transfers) directly via Aadhaar-linked bank accounts. Key benefits include 24/7 access to banking for rural populations, high-security biometric authentication, and a lucrative, low-investment business model for agents to earn consistent daily Aeps commission income. 

Key Benefits of Partnering with an AEPS Company:

• Financial Inclusion & Accessibility: AEPS brings essential banking services, such as cash withdrawals, to remote, rural, or underserved areas, reducing the need to travel long distances to bank branches.
• Secure & Simple Transactions: Transactions are highly secure, relying on biometric authentication (fingerprint or iris scan) rather than physical debit cards or PINs, which reduces the risk of fraud.
• High-Profit Potential for Agents: Agents can earn substantial commissions (e.g., up to 1.25% or 10-109 rupees depending on the transaction size) on each transaction, creating a steady source of income.
• Increased Customer Footfall: Retailers attract more customers, including those in rural areas needing local banking access, which drives footfall and increases loyalty.
• Multiple Revenue Streams: Easily bundled with other services like mobile recharges, bill payments, and money transfers.
• Low Investment & Easy Setup: Starting AEPS business requires minimal infrastructure, such as a smartphone or a computer, a biometric scanner, and an internet connection.
• Interoperability: The Aeps system allows users to transact across different banks using a single Aeps platform, offering flexibility and convenience.
• Direct Benefit Transfer (DBT): It facilitates the direct disbursement of government welfare schemes (e.g., pensions, MGNREGA wages), helping beneficiaries access funds easily.
• Simplified Banking: Provides essential financial services to customers without the need for a debit card or PIN, simplifying the process for rural users. 
• One-Stop Shop Solution: Aeps india allow agents to integrate other services, such as prepaid recharges and utility bill payments (BBPS), enhancing customer loyalty and increasing revenue. 

Benefits to Customers:

• No Card/PIN Needed: Eliminates the need for cards or PINs, making it convenient for those with low digital literacy.
• 24/7 Availability: Banking services can be accessed at any time, even when bank branches are closed.
• Immediate Service: Instant cash withdrawal and balance checking directly from the bank account. 

Targeted Benefits for Business Owners 

• Turn Shop into a Bank: Local kirana shops or mobile stores become essential, trusted community hubs.
• Increased Footfall: Providing financial services acts as a magnet for new customers.
• Recurring Income: High-frequency, small-value transactions ensure steady, daily earnings. 

AEPS API Integration Process

The AEPS API integration process involves partnering with an authorized Aeps india, completing legal and technical requirements, and integrating Aeps API into Aeps application. You cannot connect directly to the National Payments Corporation of India (NPCI) network. 

Here are the key steps for the AEPS API integration process:

1. Choose a Certified AEPS API Provider: Aeps india certified by the NPCI and compliant with Reserve Bank of India (RBI) guidelines. Look for Aeps india offering comprehensive Aeps documentation, a sandbox environment for testing, and good technical support.
2. Register and Complete KYC: Sign up with Aeps india app and complete their Know Your Customer (KYC) verification process. This typically involves submitting documents like your:
   • Aadhaar Card
   • PAN Card
   • Bank account details (cancelled cheque or passbook copy)
   • Business registration proof (if applicable)
   • Passport-sized photograph
3. Acquire and Register a Biometric Device: Purchase a UIDAI certified Aeps biometric device (fingerprint or iris scanner) that is compatible with the Aeps b2b platform. Install the manufacturer’s Registered Device (RD) service software and register the device with Aeps india.
4. Obtain API Credentials and Documentation: Once your registration and verification are complete, the Aeps india will issue you the necessary Aeps API keys, access tokens, and comprehensive technical documentation outlining the secure Aeps API endpoints, request/response formats, and authentication mechanisms.
5. Integrate the API and Develop the Interface:
   • Backend Integration: Use the provided Aeps API documentation and SDKs to build the server-side logic in top Aeps application. Ensure all communication is secure using HTTPS protocols and robust data encryption.
   • Frontend Development: Develop the user interface (UI) within Aeps app, website, or Point-of-Sale (POS) system that allows customers to enter their Aadhaar number, select the transaction type, and initiate the biometric scan.
6. Test in a Sandbox Environment: Thoroughly test the integrated Aeps system in the Aeps india sandbox or staging environment to ensure all functionalities (cash withdrawal, balance inquiry, etc.) work correctly and securely. This prevents issues in the live environment.
7. Go Live and Monitor: After successful testing, request your production credentials from the Aeps india and deploy your integrated Aeps solution to the live environment. Continuously monitor transactions for performance and security, handle errors, and provide customer support. 

AEPS Commission Structure in India

AEPS commission in India for 2026 is a transaction-based model, offering retailers around ₹2 to ₹13+ per cash withdrawal (₹100-₹3000+). Higher transaction amounts yield better commissions, while balance inquiries and mini-statements offer lower, fixed rates (₹1-₹7). Aeps india often structure commissions in tiers, with some reaching up to ₹25-₹30 for high-value transactions. 

Key AEPS Commission Structures (2025-2026)

• Cash Withdrawal (Tiered Structure):
  • ₹100 – ₹999: ₹2 – ₹3 per transaction.
  • ₹1,000 – ₹1,499: ₹3 – ₹4.5 per transaction.
  • ₹1,500 – ₹1,999: ₹4.5 – ₹5.5 per transaction.
  • ₹2,000 – ₹2,999: ₹5 – ₹7 per transaction.
  • ₹3,000 – ₹10,000+: ₹10 – ₹13 or more per transaction.

Other Services:

• Cash Withdrawal: The primary source of income, with rates often increasing with transaction volume.
• Balance Inquiry & Mini Statement: Generally earns a small, fixed fee ranging from ₹1 to ₹5.
• Aadhaar Pay: Agents may charge a small percentage (e.g., ~1%) to customers, often for higher-value transactions.
• Provider Variation: Commissions vary by Aeps india offering up to ₹13+2, while cap at ₹15.
• Incentives: Aeps india offer monthly incentives of ₹2,000 or more if specific monthly transaction volume targets are met. 

• Agent Incentives: Aeps india platforms offer up to ₹20-₹30 per cash withdrawal for high-value transactions.
• Monthly Incentives: Agents can earn up to ₹2,000 monthly for meeting specific transaction volume targets, such as a minimum of 150-200 successful transactions. 

Key Highlights of the Commission Structure

• Tiered Structure: Aeps India uses a tiered commission where higher withdrawal amounts result in higher, fixed commission rates for retailers.
• Top Service Providers: Aeps India are known for offering competitive rates up to ₹13 + ₹2 per transaction.
• Additional Income: Besides withdrawals, agents earn for mini-statements (e.g., 25 paisa per customer per day) and Airtel offers specific incentives for FINO Bank transactions.
• 2025/2026 Trends: The Aeps commission structure, particularly Aeps India models, often includes incentives of up to ₹25 per transaction (capped) and potential monthly bonuses, such as a ₹2,000 incentive for meeting transaction targets.
• Security: New RBI rules as of Jan 2026 aim to enhance security in AEPS transactions. 

Commission rates are subject to change based on the RBI rules and the specific Aeps India service provider. 

AEPS Cost Structure

AEPS cost structure involves a one-time Aeps setup fee (₹12,000–₹35,000 for Aeps portals), Aeps biometric device costs (₹1,500–₹3,000), and transactional charges (often ₹0.25–₹10 or up to 1% of the amount). Retailers earn commissions of ₹2–₹15+ per transaction, generally higher for larger amounts. 

Key Cost Components

• Setup/API Costs: White label AEPS API setup generally cost between ₹15,000 and ₹1.2 Lakhs.
• Hardware: Aeps Biometric scanners like Mantra MFS100 cost ₹1,500–₹3,000, while Micro ATMs range from ₹10,000–₹15,000+.
• Transaction Charges: While UIDAI often does not charge, banks may levy up to 1% or fixed charges (₹0.25 to ₹10) per transaction. Some banks may charge ₹20 + GST per transaction if free limits are exceeded.
• Maintenance: Potential monthly or annual maintenance fees. 

Commission Structure for Agents

• ₹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.
• ₹3,000+: ₹13 to ₹15+ per transaction.
• Non-Financial: ₹1–₹2 per transaction. 

Other Considerations

• White Label vs. Basic: White label Aeps software solutions (custom branding) are more expensive (₹25,000–₹1.2 Lakhs) compared to standard Aeps API integration.
• Standard API: Priced around ₹40,000 – ₹100,000.
• Settlement Fee: NPCI may levy a fee ranging from 15 to 25 paise. 
• Transaction Limits: While no fees are currently imposed by UIDAI, banks may charge up to 1% of the transaction value.
• Interchange Fees: These are built into the system to encourage bank cooperation, with potential settlement fees of 15 to 25 paise. 

Components of AEPS Cost Structure

• One-Time Setup Fee: Ranging from ₹12,000 to ₹35,000, this fee is for initial Aeps API integrated and account activation.
• Biometric Device Cost: Essential for fingerprint scanning, costing between ₹1,500 for Aeps basic models (e.g., Mantra MFS100) to over ₹3,000 for advanced, certified models.
• Software/Portal Cost: White label AEPS software or Aeps portal setup can cost between ₹15,000 and ₹1.2 Lakhs, depending on the features.
• Transaction Fees & Commissions: Retailers/agents receive commissions ranging from ₹1 to ₹10 per successful withdrawal, with higher, tiered commissions for larger amounts.
• Maintenance Fees: Aeps india charge annual or monthly maintenance fees for the Aeps software portal. 

AEPS KYC Process Provided By Aeps india

AEPS KYC is a secure, paperless, and instantaneous process for authenticating customer identity using Aadhaar number and biometrics (fingerprint/iris) through a Banking Correspondent or micro-ATM. It enables immediate access to banking services like cash withdrawal, balance inquiry, and mini statements without a debit card or PIN. 

Key Aspects of the AEPS KYC Process:

• Mandatory Requirements: The customer must have their Aadhaar number linked to their bank account.
• Authentication Mechanism: A biometric scan (fingerprint or iris) is performed on a micro-ATM/POS device, verified directly against the UIDAI database.
• Process Flow: The agent enters the Aadhaar number, selects the transaction type, and the customer scans their finger for verification.
• Document Verification (If Biometrics Fail): In cases of biometric failure, traditional documents like Aadhaar card and PAN card may be required.
• Registration Steps: Aeps india is To become an AEPS provider, one must select a Aeps india, fill out the registration form, submit documents (Aadhaar, PAN, Bank details), and register Aeps biometric hardware. 

Important Guidelines:

• Data Security: Customer data must be kept secure, and Aadhaar details should not be stored.
• Compliance: Only UIDAI-approved Aeps biometric devices should be used for authentication.
• Real-time Processing: Once verified, transactions are processed in real-time, and a receipt should always be collected. 

Steps AEPS KYC Process

AEPS Aadhaar Enabled Payment System KYC involves linking a user’s Aadhaar to their bank account and verifying it via biometrics, crucial for secure transactions. The process requires submitting documents (Aadhaar, PAN) to a Aeps india, registering a biometric device, and completing fingerprint/iris authentication through a Micro ATM or banking app to activate services. 

Key Steps for AEPS KYC Process (Agent/Merchant):

• Choose a Provider: Select a government-approved Aeps India.
• Registration: Fill out the Aeps India online application form with personal and business details.
• Document Submission: Submit Aeps KYC documents: Aadhaar card, PAN card, and bank account details (cancelled cheque or passbook).
• Biometric Device Registration: Purchase a UIDAI-certified Aeps fingerprint or iris scanner and register it with the AEPS India.
• Video/Physical Verification: Complete the verification process, which may include a Aeps video KYC or submission of documents to the Aeps india company.
• Activation: Once approved (typically 24-48 hours), you will receive credentials to start performing transactions. 

Customer-Side KYC Steps (For Transactions):

• Aadhaar Linking: Ensure the bank account is linked to the Aadhaar number at the home branch.
• Data Collection: Provide the 12-digit Aadhaar number, bank name, and transaction type to the agent.
• Biometric Authentication: Place a finger on the scanner for verification.
• Approval: The system confirms the identity via UIDAI, and the transaction is completed. 

Important Tips:

• Always use UIDAI-approved Aeps devices.
• Never store customer Aadhaar details in unsecured formats.
• Ensure the mobile number is linked with the Aadhaar for OTP-based Aeps e-KYC if required. 

Easy Aeps Onboarding Process with a Aeps india

The Aeps onboarding process for Easy with Aeps india is designed to be a digital, paperless, and quick procedure for retailers and agents. It typically allows individuals to start offering banking services within 1–2 days. 

1. Requirements for Registration

Before initiating the process, ensure you have the following ready:

• Active Aadhaar Card: Linked to a bank account and a functional mobile number.
• PAN Card: Mandatory for tax compliance.
• Bank Account Details: Cancelled cheque or bank passbook copy for commission settlement.
• Hardware: Smartphone (Android) or Laptop/Computer.
• Biometric Device: A UIDAI-certified finger or iris scanner (e.g. Mantra). 

2. Steps for Onboarding (Registration)

• Step 1: Choose a Service Provider: Select a reputable, NPCI-approved Aeps india.
• Step 2: Download the App/Visit Site: Download the Aeps india app or visit their Aeps admin portal to sign up.
• Step 3: Fill Registration Form: Provide your personal, contact, and bank details.
• Step 4: Complete KYC: Complete the Know Your Customer (KYC) process, which usually involves submitting scanned documents, followed by Video Aeps KYC or Aeps biometric verification for instant approval.
• Step 5: Register Biometric Device: Install the Registered Device (RD) service driver for your scanner and register it on the Aeps b2b portal.
• Step 6: Activation: Once approved, you will receive your Aeps agent ID and login credentials, typically within 24 to 48 hours. 

3. Key Compliance Rules (Effective Jan 1, 2026)

To ensure security, the RBI has updated onboarding rules: 

• Strict Verification: Banks must perform thorough background checks on operators.
• Re-KYC for Inactivity: If an agent does not perform any transactions for 3 consecutive months, they must undergo a fresh, mandatory Aeps KYC process.
• One Operator, One Bank: To prevent fraud, an operator can only be linked to one acquiring bank. 

Key Features of Easy Onboarding

• Instant Activation: Aeps india offer same-day activation upon successful Aeps video KYC.
• No High Investment: Low cost Aeps setup, often requiring only a mobile phone and a biometric scanner.
• Paperless Process: Digital Aeps KYC eliminates the need for physical paperwork.
• Real-time Settlement: Immediate, secure transactions with instant credit to your wallet. 

4. Important Compliance (2026 Guidelines)

• One Operator, One Bank: To prevent misuse, each agent is linked to only one acquiring bank.
• Re-KYC: Agents inactive for more than 3 months must undergo a fresh Aeps KYC process.
• Transaction Limits: Maximum withdrawal is typically ₹10,000 per transaction. 

Aeps Onboarding Process

Onboarding Aadhaar Enabled Payment System (AEPS) service is a structured process to become an authorized agent (Business Correspondent/Merchant). The process generally involves registering with a Aeps india, completing Know Your Customer (KYC) requirements, and setting up biometric hardware to start offering banking services like cash withdrawals and balance inquiries. 

Here are the step-by-step instructions for the Easy AEPS Onboarding Process:

1. Preparation & Eligibility Check

• Eligibility: Must be 18+ years old, an Indian citizen with a valid PAN card, and possess an active Aadhaar-linked bank account.
• Infrastructure: Aeps india is recommended. A smartphone (Android) or computer with a stable internet connection.
• Hardware: Purchase a UIDAI-certified Aeps biometric device (fingerprint or iris scanner) with Aeps india. 

2. Choose an Authorized AEPS Service Provider 

• Select a reputable Aeps india.
• Ensure they offer 24/7 support, secure, fast Aeps API, and high success rates. 

3. Registration and e-KYC

• Online Application: Register on the Aeps india website or mobile aeps app, providing basic details like name, phone number, and location.
• e-KYC Documentation: Submit scanned copies of required documents for verification, which typically include:
  • Aadhaar Card (linked to a mobile number)
  • PAN Card
  • Bank Account Proof (Cancelled Cheque, Passbook, or Bank Statement)
  • Passport-sized photograph
• Verification: The Aeps india will conduct a verification process, which may include Aadhaar Enabled Payment System video KYC or physical verification. 

4. Device Registration and Setup 

• Install Drivers: Install the Registered Device (RD) service software on your smartphone or computer for your specific biometric Aeps device (e.g., Mantra).
• Register Hardware: Link Aeps biometric device to the best AEPS app or best Aeps portal as per the Aeps india instructions. 

5. Training and Activation

• Training: Attend training (online or provided materials) on how to handle transactions, manage cash, and ensure compliance with NPCI/RBI guidelines.
• Activation: Once the Aeps KYC verified, your unique Aeps agent ID and password will be generated, activate AEPS services. 

6. Start Operations

• Login & Transact: Log in to the Aeps india AEPS app, enter the customer’s Aadhaar number and bank name, select the service (e.g., cash withdrawal), and authenticate via the best Aeps biometric device.
• Commission: Start earning commission on each successful transaction, which is usually credited to your wallet in real-time. 

Key Aeps Compliance Rules

Key Aeps compliance rules for agents, banking correspondents (BCs), and Aeps india are designed to ensure transaction security, data privacy, and prevent fraud. Effective January 1, 2026, the Reserve Bank of India (RBI) has mandated stricter guidelines, including rigorous KYC for agents and mandatory re-verification for inactive operators. 

Here are the key AePS compliance rules and guidelines based on 2026 standards:

1. Mandatory Agent KYC and Onboarding 

• Acquiring banks must conduct thorough KYC checks on all AePS Touchpoint Operators (ATOs) before onboarding, adhering to the RBI Master Direction KYC Direction, 2016.
• Each operator is permitted to be linked with only one acquiring bank.
• Operators inactive for three consecutive months require fresh KYC before resuming services.
• Required agent documentation includes Aadhaar linked to a bank account, PAN card, and bank account proof. 

2. Transaction Monitoring and Risk Control

• Banks are required to continuously monitor operator activity for anomalies.
• Transaction limits are set based on the operator’s risk profile.
• B2B Aeps API usage is restricted to legitimate AePS transaction with controls against unauthorized access. 

3. Security and Data Protection

• Only STQC-certified Aeps biometric devices with Active Registered Device (RD) services are permitted.
• Raw biometric data must not be stored and is used solely for one-time authentication with the UIDAI database.
• New rules emphasize “liveness detection” to prevent spoofing. 

4. Customer-Centric Compliance

• Explicit customer consent is required for authentication.
• Providing a receipt (printed or SMS) for every transaction is mandatory.
• Agents must clearly display their credentials, and displaying service charges is recommended.
• NPCI typically caps AePS withdrawals at ₹10,000 per transaction, with some banks setting lower daily limits. 

5. Grievance Redressal 

• The RBI requires faster resolution for customer complaints, often within 48 hours.
• Banks must provide 24/7 customer support for complaints, and suspicious activity must be reported to the National Cyber Crime Reporting Portal. 

Key Changes Effective Jan 1, 2026:

• Full KYC for all operators.
• Mandatory Aeps re-KYC after 3 months of inactivity.
• Quarterly compliance audits by NPCI. 

AEPS Security in India

AEPS security in India is built on mandatory, real-time Aadhaar-based biometric authentication (fingerprint/iris) and, from Jan 2026, tightened Aeps KYC service for operators to prevent fraud. It uses encrypted Aeps API channels, multi-factor security, and instant UIDAI validation, ensuring transactions occur without physical cards or PINs. 

Key Security Features & Measures

• Biometric Authentication: The core security feature, requiring a live fingerprint or iris scan that must match the data stored by the Unique Identification Authority of India (UIDAI) database, ensuring only the account holder can authenticate.
• Real-time Data Transmission: Transactions are encrypted and processed in real-time, connecting directly between the micro-ATM/agent Aeps device, the bank, and the NPCI (National Payments Corporation of India).
• Stricter Operator Onboarding (Jan 2026 Rules): Banks must perform rigorous KYC and, in some cases, re-KYC on AEPS Touchpoint Operators (ATOs) to curb fraudulent activities.
• Liveness Detection: Advanced Aeps biometric devices include liveness detection to ensure that the biometric scan is from a real, physically present person, preventing the use of fake, synthetic, or copied fingerprints.
• System Compliance: AEPS systems must comply with international security standards such as ISO 27001. 

Key Regulatory Changes (Effective Jan 2026

The Reserve Bank of India (RBI) implemented stricter guidelines to boost trust, including: 

• Continuous Monitoring: Ongoing tracking of operator behavior (location, transaction patterns) to identify suspicious activity.
• Risk-Based Limits: Setting transaction limits for operators based on their risk profiles.
• Mandatory Re-Verification: Re-KYC is required for operators who have been inactive for 3 consecutive months. 

Security for Users

• Non-Repudiation: Because of Aeps biometric verification, transactions are highly secure and difficult to dispute, as the user must be physically present.
• No Card Needed: Eliminates risks associated with lost/stolen ATM cards or compromised PINs.
• Grievance Redressal: Enhanced mechanisms to handle customer complaints swiftly. 

AEPS Charges and Transaction Limits in India

AEPS India enables secure, instant banking transactions (cash withdrawal, balance inquiry) using Aadhaar authentication, usually at no cost to the user for transactions. Daily withdrawal limits are generally capped at ₹10,000 per transaction by NPCI, with total daily limits often up to ₹50,000. 

AEPS Charges for Customers

• Transactions: Currently, most banks do not charge users for AEPS cash withdrawals or Aeps balance inquiries.
• Fees: While generally free, some banks might levy charges up to 1% of the transaction amount (minimum ₹5, maximum ₹15) for specific types of transactions.
• Doorstep Banking: India Post Payments Bank and other institutions may charge for doorstep services. 

AEPS Transaction Limits

• Maximum Withdrawal: The maximum cash withdrawal limit per AEPS transaction is restricted to ₹10,000.
• Daily Transaction Cap: Many banks have a cumulative daily transaction limit of ₹50,000.
• Bank Variations: Limits may vary depending on the issuer bank’s policy, with some banks limiting transactions to 1-5 per day. 

Key Considerations

• Security: New RBI rules effective January 2026 are introducing stricter, mandatory Aeps KYC and security measures to reduce fraud.
• Agent Commission: Retailers/agents typically earn between ₹1 to ₹10 per transaction, depending on the volume.

What Makes a Aeps india is the Top AEPS Company in India?

Aeps india one of the top AEPS companies in India are distinguished by their high transaction success rates (over 98%), robust security (NPCI/RBI compliance), instant,, secure settlement services, and 24/7 technical support. These Aeps b2b platforms offer user-friendly applications, competitive commission structures, and a wide array of additional services like BBPS service and DMT. 

Key Factors Defining a Top AEPS Company:

• Reliability & High Success Rates: Aeps india ensure minimal downtime and a high rate of successful transactions, which is crucial for building customer trust in rural and urban areas.
• Security & Compliance: Aeps india are certified by NPCI and RBI, utilizing advanced encryption for sensitive biometric data.
• Transparent Commissions & Fast Settlements: Aeps india offer competitive, transparent commission structures (e.g., up to ₹15 per withdrawal) and same-day or instant settlement services, ensuring working capital is never blocked.
• User-Friendly Interface & Tech Support: A simple, intuitive app for agents and 24/7 technical support for quick issue resolution.
• Multi-Service Platform: Beyond basic AEPS (cash withdrawal, balance enquiry), Aeps india provide additional services such as Domestic Money Transfer (DMT), BBPS bill payments, and Micro ATM functionalities.
• Extensive Network & Growth: They offer scalable solutions, including white label aeps apps and distributor models, allowing businesses to grow. 

Top Rated Providers (as of 2026):

Companies often cited for leading in this sector include Aeps india. 

How to Choose the Best AEPS Company in India

Aeps india one of the best AEPS company in India requires prioritizing regulatory compliance (NPCI/RBI certification), a 98%+ transaction success rate, and 24/7 technical support. Key factors include competitive commissions (approx. ₹5-₹15+), instant settlement options, user-friendly apps, and robust security. Top Aeps providers often include Aeps India. 

Key Factors for Choosing an AEPS Provider:

• Security and Compliance: Ensure the Aeps india is authorized by the National Payments Corporation of India (NPCI) and adheres to RBI guidelines, providing secure biometric data handling.
• Transaction Success Rate: Look for a track record of 98% or higher to avoid failed transactions, which cause customer trust issues and business losses.
• Commission Structure: Select a Aeps india offering competitive commissions (e.g., ₹5-₹15 per transaction) and transparent payout structures.
• Settlement Speed: Aeps india offering instant or same-day (T+0 or T+1) settlement to maintain healthy cash flow for your business.
• Technical Support: 24/7 customer support via phone, WhatsApp, and email is crucial for resolving technical issues quickly.
• Platform Usability: The Aeps india app or b2b Aeps portal should be user-friendly, supporting multi-bank transactions, quick Aeps KYC, and detailed reporting.
• Additional Services: Choose Aeps india that allow for added services like Mini ATM, BBPS (bill payments), DTH/mobile recharge, and Money Transfer (DMT) to increase revenue. 

Why Aeps india is the Top AEPS Company in India

Top AEPS companies in India, such as Aeps India, are recognized as leaders due to high transaction success rates (99.9% uptime), secure NPCI/RBI-compliant technology, and rapid, often instant, settlement services. Aeps india offer competitive commissions (up to ₹15 per transaction) and comprehensive, user-friendly, multi service Aeps platform that support financial inclusion. 

Key Reasons for Top AEPS Company Status:

• High Performance & Reliability: Aeps India ensure minimal transaction failures, real-time processing, and high uptime, which is crucial for maintaining retailer and customer trust.
• Security & Compliance: Aeps India are fully certified by the National Payments Corporation of India (NPCI) and adhere to strict RBI/UIDAI guidelines, using secure biometric authentication for all transactions.
• Attractive Commissions & Settlements: Aeps India offer competitive commissions (e.g., ₹12-₹15 per transaction) and quick, reliable settlement services, allowing retailers to maximize earnings.
• Comprehensive Service Offering: Beyond cash withdrawal, top platforms provide integrated Aeps services like Domestic Money Transfer (DMT), BBPS (Bharat Bill Payment System), and Mini ATM, acting as a one-stop-shop.
• 24/7 Technical Support: Proactive customer service helps troubleshoot issues instantly, ensuring uninterrupted service.
• Easy Integration & Usability: User-friendly apps and simple, robust Aeps API integration make Aeps onboarding easy for new agents and businesses. 

Aeps India further distinguish themselves through innovation, robust, secure technology, and extensive network support. 

Future Trends AEPS Company in India

Future AEPS company trends focus on enhanced, AI-driven security (liveness detection, multi-factor authentication) to meet strict January 2026 RBI norms. Key trends include transforming local retailers into comprehensive rural financial hubs, deeper integration with UPI and micro-loans, and moving toward mobile-first, cloud-based, and blockchain-secured platforms. 

Key Future Trends in AEPS Companies

Hyper-Security & RBI Compliance:

• AI/ML for Fraud Detection: Real-time analysis of transaction patterns to block fraudulent activity.
• Mandatory Liveness Detection: Advanced, AI-powered checks to ensure the person is physically present, preventing spoofing with photos or masks.
• Multi-Modal Biometrics: Moving beyond just fingerprints to include face and iris recognition, with face authentication becoming standard for 2FA (Two-Factor Authentication).
• Strict Regulatory Adherence: Adhering to the new RBI guidelines (effective Jan 1, 2026), which include strict agent Aeps KYC and continuous monitoring.

Expanded Financial Services (Beyond Cash Withdrawal):

• Comprehensive Financial Hubs: Retailers will offer micro-loans, insurance, and bill payments, turning, for instance, a small kirana store into a full-service banking point.
• Integration with Ecosystem: Deep integration with UPI, digital wallets, and other fintech services.

Technology & Infrastructure Evolution:

• Mobile-First Design: Enhanced, user-friendly, and lightweight AEPS app interfaces for rural users.
• Blockchain Integration: Increased use of blockchain for secure, transparent, and immutable ledger maintenance.
• API-Driven Platforms: Aeps India that future platforms will rely on robust, high speed Aeps API integrations.

Market Growth & Accessibility:

• Rural Expansion: Continued, rapid penetration to provide doorstep banking, reducing the need to travel long distances to bank branches.
• Exponential Growth: Aeps india that revenue from AePS, after reaching INR 51 billion in 2024, is projected to continue its upward trajectory. 

These trends are driven by a need to combine security with accessibility, turning AEPS from a simple cash-out tool into a fundamental part of the rural digital economy. 

Conclusion

Aeps india is the No.1 top AEPS company in India is an important step for anyone planning to start or grow an AEPS business. Aeps india is a reliable AEPS company provides secure transactions, fast settlements, easy AEPS API integration, and full compliance with NPCI guidelines. When you work with the Aeps india, you can offer smooth cash withdrawals, balance enquiries, mini statements, and Aadhaar-based fund transfers to your customers without issues.

Aeps india is an AEPS Company (Aadhaar Enabled Payment System provider) enables secure, biometric-based banking transactions, allowing individuals to use their Aadhaar number to access bank accounts for cash withdrawals, deposits, balance inquiries, and mini-statements at local retail outlets. These Aeps india empower small business owners to function as mini-banks, bridging the rural-urban digital divide. 

Based on recent 2026 data, Aeps India are top AEPS companies in india offering high commissions (up to ₹15-₹18 per transaction) and reliable services. These Aeps platforms provide essential banking services like cash withdrawal, balance inquiry, and mini-statements with high success rates and instant settlements. 

The best AEPS companies in India provide easy onboarding, complete AEPS KYC support, high transaction success rates, and advanced security features. Whether you are a retailer, distributor, fintech startup, or service provider, partnering with the Aeps india helps you deliver cash withdrawal, deposit, balance enquiry, and money transfer services without any hassle.

As digital payments continue to grow in India, working with a reliable AEPS India company gives your business a competitive edge. Choose an Aeps india that focuses on trust, transparency, scalability, and customer support to build a successful and sustainable digital payment business.

Aeps India stands out as a trusted and leading AEPS platform in India by offering easy onboarding, advanced AEPS software, instant settlements, and full RBI-compliant security. Whether you are a retailer, distributor, or fintech entrepreneur, choosing a top AEPS company like Aeps India ensures smooth operations, higher earnings, and long-term business growth.

If your goal is to build a profitable and long-term AEPS business, partnering with a AEPS service provider in India like Aeps india is the smartest choice. Start your AEPS journey with Aeps india and offer your customers a trusted, secure, and efficient AEPS solutions that supports business growth and digital financial inclusion.

FAQ – Top AEPS Companies in India