Best White Label AEPS API Provider in India: Complete Guide

Finding the best White Label AEPS API provider in India is one of the biggest needs for retailers, distributors, and entrepreneurs who want to start or grow their AEPS business. Today, thousands of users search for a trusted AEPS API solution that offers fast transactions, high uptime, secure Aadhaar authentication, and smooth settlements. A reliable AEPS API helps businesses offer services like cash withdrawal, balance enquiry, mini statement, and Aadhaar Pay with complete confidence.

A White Label AEPS API Provider offers a ready-made, customized Aeps platform for Aadhaar Enabled Payment System (AEPS) services, allowing other businesses to rebrand it as their own to offer basic banking (cash withdrawal, balance inquiry, fund transfers) under their brand name, logo, and domain, without building the complex tech from scratch, speeding up market entry and branding. The Aeps India handles the core tech, while the reseller manages distributors and customers via an Aeps portal for admin, focusing on growth. 

A White Label AEPS API gives businesses a ready made AEPS platform with their own branding, helping them launch services quickly and earn high commission from every transaction. With the right AEPS API provider like Aeps India, you get strong security, fast transactions, 99.9% uptime, and full support to run your digital banking business smoothly.

With AEPS India, businesses get a powerful and secure White Label AEPS API built for high performance, real-time verification, and seamless user experience. Whether you are a retailer, distributor, or a Aeps India planning to launch your own AEPS portal, AEPS India offers the features, security, and speed you need to run a successful AEPS service.

AEPS India is known for offering reliable and scalable AEPS API solutions that make it simple for retailers, CSC operators, and entrepreneurs to start AEPS services instantly. Whether you want high speed Aeps API, secure Aadhaar authentication, or easy integration, AEPS India provides everything you need to grow your digital banking business in 2025.

Most business owners want a Aeps India that gives easy onboarding, quick Aeps API integration, full support, and affordable Aeps pricing all in simple, ready-to-use Aeps solutions.

In this guide, you will learn everything about choosing the best White Label AEPS API provider, key features to check, pricing factors, benefits, and how Aeps India helps you grow your digital banking business across India.

What is White Label AEPS API?

A White Label AEPS API is a ready-made, customizable Aeps platform for the Aadhaar Enabled Payment System (AEPS) that Aeps India can rebrand as their own to offer banking services (like cash withdrawal, balance check) under their logo, letting them quickly enter the fintech space without building complex tech from scratch, using a Aeps India backend for secure, branded digital financial services.

White Label AEPS API Work

White Label AEPS (Aadhaar Enabled Payment System) Api involves a business leveraging a pre-built, third-party platform to offer AEPS services under its own brand identity. This allows businesses to quickly launch AEPS services without the need for extensive in-house development and infrastructure. 

How White Label AEPS Works:

• Platform Provision: Aeps India offers a customizable white label AEPS portal or Aeps b2b software.
• Branding Customization: The business customizes Aeps platform with its own logo, color scheme, and company information, creating a branded user experience.
• Network Management: The business utilizes an Aeps admin panel provided by the white label Aeps solution to manage a network of super distributors, distributors, and retail agents.
• Service Delivery: These agents then offer core AEPS services to end customers, including:
  • Cash withdrawal
  • Balance inquiry
  • Fund transfers
  • Mini statements
• Transaction Processing: Transactions are facilitated using a customer’s Aadhaar number and biometric authentication, with the underlying technical infrastructure managed by the white label Aeps Api provider.
• Revenue Generation: The white label Aeps Api earns revenue through commissions and service charges on the transactions processed through their branded network. 

Services included in our AEPS White Label Api

An AEPS White Label API offers core banking services like Cash Withdrawal, Balance Inquiry, Fund Transfer, and Mini Statements, all using Aadhaar biometric authentication, plus additional services like Mobile/DTH Recharge, Bill Payments (Electricity, Gas, Water, Insurance), Domestic Money Transfer (DMT), and Micro ATM functionality, all under your own brand with customize Aeps portal and Aeps admin control for agents, allowing you to provide a full suite of digital financial services. 

Core AEPS Banking Services

• Cash Withdrawal: Withdraw cash using Aadhaar and biometrics.
• Balance Inquiry: Check bank account balance securely.
• Fund Transfer: Transfer money between Aadhaar-linked accounts.
• Mini Statement: Get recent transaction history.
• Cash Deposit: Some systems also support adding cash to accounts.
• Aadhaar Pay: Accept payments from customers via Aadhaar authentication. 

Additional Services (Often Included)

• Recharges: Mobile, DTH, Data Card.
• Bill Payments: Electricity, Gas, Water, Insurance.
• Domestic Money Transfer (DMT): Transfer funds within India.
• Micro ATM: Offer cash withdrawal via a portable device.
• Government Services: Facilitate Direct Benefit Transfers (DBT). 

White Label Features

• Branding: Your own logo, colors, and domain.
• Admin Portal: Manage agents, distributors, commissions, and settings.
• Mobile App: Your own branded Aeps Android/iOS app.
• Scalability: Build your own Aeps B2B and Aeps B2C platforms. 

Why Businesses Need a White Label AEPS API Provider

Businesses need a White Label AEPS API Provider for fast, cost-effective market entry, allowing them to launch their own branded digital banking services (like cash withdrawal, balance checks) quickly, leverage pre-built tech, build brand loyalty, generate new revenue via commissions, and focus on marketing while the Aeps India handles complex backend tech and compliance. It lets Aeps India offer essential financial inclusion services without massive development costs or technical expertise. 

Key Benefits for Businesses:

• Rapid Launch: Get a fully functional, branded AEPS platform ready in days or weeks, not months or years.
• Brand Building: Customize Aeps platform with your own logo, colors, and domain to create a seamless, trusted customer experience.
• Cost Efficiency: Avoid huge initial Aeps development, server, and technical team costs; pay a fraction of the price for a ready made Aeps solution.
• Focus on Growth: Concentrate on customer acquisition, marketing, and building your agent network, while the Aeps India manages the complex technology.
• New Revenue Streams: Earn commissions from basic banking services (withdrawals, balance inquiries, fund transfers).
• Scalability & Reliability: Use proven, secure infrastructure designed to handle high transaction volumes as your business grows.
• Simplified Operations: Benefit from a comprehensive admin panel to manage distributors and agents, with technical management handled by experts.
• Financial Inclusion: Reach underserved rural customers by offering convenient access to basic banking, promoting financial inclusion. 

Required Documents for White Label AEPS API

For a White Label AEPS API, you need business entity documents (Certificate of Incorporation, MOA/AOA, Director IDs, GST, Bank details) to setup Aeps portal, plus your own KYC documents (Aadhaar, PAN, Photo, Bank Account) for registration with the Aeps India, plus technical items like a domain, SSL, and a UIDAI-certified biometric device for your agents to use the service. 

For the Business Entity (White Label Provider Setup)

• Company Incorporation Certificate: Proof your business is registered.
• Memorandum & Articles of Association (MOA & AOA): Your company’s foundational documents.
• Director’s KYC: Photo ID (like Aadhaar/PAN) & Address Proof for all directors.
• Company Address Proof: For physical location verification.
• Cancelled Cheque/Bank Statement: For the company’s bank account.
• GST Registration Certificate: For tax compliance.
• Board Resolution: A formal resolution to authorize the best AEPS service. 

For Your Own Registration (Agent/Owner KYC)

• Aadhaar Card: Of the business owner/authorized person.
• PAN Card: For tax and identity.
• Bank Account Details: For commission/settlement.
• Passport-Sized Photograph.
• Mobile Number & Email ID: Linked and active. 

Technical & Infrastructure Requirements

• Domain Name & SSL Certificate: For your branded website.
• UIDAI-Certified Biometric Device: Fingerprint/Iris scanner for agent use (e.g., Morpho, Startek).
• Internet-Enabled Device: Smartphone/Computer for the portal/app.
• Google Console ID: For Aeps app distribution (if applicable). 

For the End-User (Customer using the service) 

• Aadhaar Number.
• Bank Account linked to Aadhaar.
• Biometric data (fingerprint/iris). 

Features White Label AEPS API

A White Label AEPS API allows businesses to offer Aadhaar-Enabled Payment System services (cash withdrawal, balance check, mini statement, fund transfer, cash deposit) under their own brand, integrating core banking features via Aeps API into their apps, with customizable branding and Aeps admin panels for control, providing financial inclusion services without building the core tech. Key features include biometric authentication, easy integration, robust Aeps admin control, and support for basic banking needs at micro ATMs or banking correspondent points. 

Core AEPS Features

• Cash Withdrawal: Users withdraw cash using Aadhaar & fingerprint.
• Balance Inquiry: Check bank account balance instantly.
• Mini Statement: Get recent transaction details.
• Fund Transfer (AEPS): Transfer money between Aadhaar-linked accounts.
• Cash Deposit: Deposit cash into accounts. 

White Label Specific Features

• Custom Branding: Use your own logo, domain, colors, and company info.
• Admin Panel: Manage super distributors, distributors, and retailers.
• Revenue Models: Customizable commission structures.
• Ready-to-Use Platform: Quick launch without development. 

Technical & Security Features

• API Integration: Seamless connection with banking systems.
• Biometric/OTP Auth: Secure Aadhaar verification.
• Real-time Processing: Instant transaction confirmation.
• Security & Compliance: Adheres to financial security standards.
• Reporting Tools: Track transactions & generate reports.
• Scalability: Handles growing transaction volumes. 

Benefits White Label AEPS API

White Label AEPS API offers quick launch & branding, letting businesses offer banking (cash withdrawal, balance inquiry) under their own name with low Aeps setup cost, focusing on marketing while getting a scalable Aeps platform with Aeps b2b admin control, boosting revenue via commissions, and increasing financial inclusion in underserved areas. It provides cost-effectiveness, brand ownership, and technical simplicity by using a pre-built, customizable Aeps system for Aadhaar enabled payments. 

Key Benefits:

• Fast Market Entry: Launch your own branded AEPS service quickly, as the platform is pre-built, saving Aeps software development time.
• Cost-Effective: Significantly reduces upfront investment in Aeps software development company, infrastructure, and maintenance.
• Own Branding: Customize Aeps admin platform with your logo, colors, and domain, building your brand identity.
• Focus on Core Business: The Aeps India handles the technical backend, letting you focus on customer acquisition and marketing.
• Revenue Generation: Earn commissions on transactions (cash withdrawal, balance inquiry, fund transfer).
• Scalability: Easily manage and expand your network of agents, distributors, and retailers through a comprehensive admin panel.
• Financial Inclusion: Serve rural and semi-urban customers by providing essential banking services where traditional access is limited.
• Comprehensive Control: Manage agents, set Aeps commission, and monitor transactions via a dedicated admin portal.
• Additional Services: Often comes bundled with other services like bill payments, recharges, and micro ATM service functionalities. 

Integrate White Label AEPS API

Integrating White Label AEPS API involves partnering with a certified Aeps India, completing KYC & registration, getting Aeps API keys & docs, acquiring biometric devices, developing & testing in a sandbox, and finally going live, allowing you to offer Aadhaar-based banking (withdrawals, balance checks, etc.) under your own brand with seamless, secure transactions. 

Step 1: Choose & Partner with a Provider

• Select a Certified Provider: Aeps India offers white-label Aeps solutions, ensuring they’re compliant with RBI guidelines and have NPCI certification.
• Registration & KYC: Sign up with them, submit required business/personal documents (Aadhaar, PAN, bank details), and complete their KYC process. 

Step 2: Setup & Credentials

• Acquire Biometric Device: Purchase UIDAI-certified fingerprint/iris scanners and install their RD Service software for secure capture.
• Get API Credentials: Receive your unique and best Aeps API keys, access tokens, and comprehensive documentation (endpoints, data formats) from the Aeps India. 

Step 3: Technical Integration & Development 

• Integrate API: Your developers will use the documentation to build the backend logic, connecting to your platform to send and receive transaction requests.
• Develop UI: Create customer-facing interfaces for services like cash withdrawal, balance inquiry, and mini-statement.
• Biometric Integration: Implement the device SDK to capture and securely transmit biometric data for authentication. 

Step 4: Testing (Sandbox) 

• Use Sandbox: Thoroughly test all transaction types (withdrawal, balance, transfer) in the provider’s test environment before going live.
• Handle Errors: Test success and failure scenarios (e.g., incorrect biometric, bank server issues). 

Step 5: Go Live & Monitor

• Deploy: Once testing is complete, request production keys and deploy Aeps integrated solution.
• Monitor: Continuously watch performance, security, and transaction success rates.
• Support: Provide customer support for your agents and end-users. 

White Label AEPS API Cost

White Label AEPS API costs in India vary significantly, generally ranging from ₹15,000 to ₹1.2 Lakhs for setup/software, with one-time Aeps setup fees around ₹12k-₹35k, plus potential per-transaction commissions, features (portal, device inclusion, support), and bank integration. Expect lower Aeps costs for basic white-label Aeps portals (₹15k+) compared to full custom Aeps solutions, with Aeps India offering different packages. 

Typical Cost Breakdown:

• One-Time Setup Fee: ₹12,000 – ₹35,000 (for initial integration).
• White-Label Software/Portal: ₹15,000 – ₹1.2 Lakhs (or more).
• Biometric Device: Around ₹20,000 (if not included).
• Transaction Fees: Varying commissions per withdrawal/balance inquiry (e.g., ₹12-₹13 per withdrawal). 

Key Factors Influencing Price:

• Provider: Best company Aeps India have varied pricing.
• Features: Inclusion of Aeps admin panel, retailer/distributor management, mobile apps, security.
• Api Integration: Specific bank APIs (ICICI, Yes Bank) can affect pricing.
• Support: Post-activation support levels impact costs. 

Examples of Pricing:

• Basic White Label: Around ₹15,000.
• Bundled Software/API: ₹25,000 – ₹35,000.
• Fuller Solutions: Can exceed ₹1 Lakh. 

To get an accurate quote, it’s best to contact vendors like Aeps India for detailed proposals. 

How to Choose the Best White Label AEPS API Provider in India

Aeps India the best White Label AEPS API Provider in India, focus on NPCI/RBI Compliance & Security, High Success Rates & Reliability, a Feature-Rich AEPS Admin Panel Software, Multi-Bank Support, Transparent Pricing & Commissions, and Excellent Support, ensuring they offer easy Aeps API integrate, real-time reporting, and a customizable, branded Aeps b2b platform for your fintech business. 

Key Factors to Evaluate:

Compliance & Security:

1. NPCI/RBI Certified: Must be authorized by NPCI and follow RBI guidelines.
2. Data Security: Look for strong encryption (SSL), 2FA, and fraud protection for biometric data.

Performance & Reliability:

1. High Success Rate: Proven track record of successful transactions.
2. Uptime: Consistent platform availability.
3. Fast Processing: Quick biometric authentication and real-time confirmations.

Features & Functionality:

1. Multi-Bank Support: Connects to many banks for broad customer reach.
2. Admin Panel: Robust Aeps dashboard for managing agents, commissions, and disputes.
3. Agent Onboarding: Simple process for adding retailers.
4. Customization: Ability to brand the Aeps b2b portal and configure services (DMT, Bill Pay, etc.).

Commission & Cost:

1. Transparent Pricing: Clear understanding of licensing/transaction fees.
2. Competitive Commissions: Attractive earning potential.
3. Real-Time Payouts: Instant commission credit.

Support & Integration:

1. Seamless API: Easy Aeps Api Integrated with clear documentation.
2. 24/7 Support: Responsive technical and customer assistance.
3. Training: Comprehensive training for your team. 

Steps to Choose:

• Research: Identify potential AEPS providers like AEPS India evaluate their services by checking certifications, security standards, and customer reviews to ensure reliable and secure Aadhaar-enabled payment solutions for your business.
• Verify: Confirm direct RBI bank connections and compliance.
• Test (If Possible): Evaluate the admin panel and transaction flow.
• Compare: Get quotes and compare commission structures and support packages. 

By prioritizing these areas, you can select a Aeps India that ensures a secure, efficient, and profitable AEPS business. 

Why Choose Aeps India is the Top White Label AEPS API Provider

Aeps India is one of the top White Label AEPS API Provider selecting a Aeps India offering fast launch, own branding, security (RBI/NPCI compliant), high success rates, 24/7 support, and scalability, enabling businesses to offer banking (cash withdrawal, balance inquiry, fund transfer) under their brand, attract customers, and generate revenue with minimal Aeps app development. Look for features like secure Aeps admin panels for network management, fast commission settlements, and integration with other services (bill pay, micro-ATM) for a complete solution. 

Key Reasons to Choose a Top Provider:

1. Brand Building: Operate under your own logo, colors, and domain, building your brand identity.
2. Fast & Cost-Effective Launch: Pre-built Aeps platforms significantly cut development time and costs, allowing quick market entry.
3. Revenue Generation: Earn commissions on transactions (cash withdrawals, balance checks, fund transfers).
4. Financial Inclusion: Reach unbanked & underbanked customers in remote areas, increasing your customer base.
5. Security & Compliance: Ensures adherence to RBI/NPCI rules, using biometric authentication for fraud reduction.
6. Scalability: Handles growing transaction volumes and users as your business expands.
7. Admin & Agent Management: Comprehensive Aeps service panel to manage distributors, retailers, and view performance.
8. Reliable Infrastructure: High transaction success rates and uptime are crucial for customer trust, notes Kite Metric.
9. Added Services: Integration with bill payments, mobile recharges, and micro-ATMs makes you a one-stop shop.

When evaluating providers, look for:

• Proven Technology: A fast, reliable transaction processing system.
• Strong Support: Responsive 24/7 customer & technical assistance.
• Easy Integration: Seamless connection to existing systems. 

By focusing on these aspects, businesses can select a Aeps India that offers a robust, branded financial service platform, enhancing customer reach and loyalty. 

Future Trends White Label AEPS API Provider

The future of White Label AEPS API is bright, focusing on AI/ML integration, enhanced biometrics, blockchain security, and Aeps API design for seamless integration, moving towards multi-service platforms (banking + bill pay) with stronger security, mobile-first experiences, and deeper financial inclusion in rural areas, transforming local shops into micro-banks. Expect more robust Aeps admin panels with real-time monitoring and faster settlements, enabling new revenue streams for businesses through commissions. 

Key Future Trends for White Label AEPS APIs:

• AI & Machine Learning: For advanced fraud detection, personalized services, and better analytics.
• Enhanced Biometrics & eKYC: Faster, more secure Aadhaar-based transactions.
• Blockchain Integration: For transparent, immutable, and highly secure transaction records.
• API-First Architecture: Easier integration with CRMs, payment gateways, and other apps for scalability.
• Mobile-First & User Experience: Smoother, more accessible apps for widespread adoption.
• Multi-Service Platforms: Combining AEPS with recharges, bill payments, money transfers, and more into one Aeps service portal.
• Stronger Security: Advanced encryption and real-time monitoring for better data protection.
• Deeper Financial Inclusion: Expanding reach to unbanked populations in rural and semi-urban areas. 

Business Impact & Opportunities:

• New Revenue Streams: Retailers earn commissions, turning shops into micro-banking centers.
• Increased Footfall & Sales: Attract more customers to physical stores.
• Scalability: Secure Aeps API allow platforms to grow with business demands.
• White Label Advantage: Full branding control, custom configurations (logo, colors, services) for a unique customer experience. 

The future sees AEPS becoming a more secure, integrated, intelligent, and ubiquitous financial platform, driven by powerful Aeps API that enable diverse fintech solutions. 

Conclusion

Choosing the best White Label AEPS API provider in India is one of the most important steps for anyone who wants to start or grow a digital payment business. Retailers, distributors, and entrepreneurs search for a platform that offers secure AEPS services, fast withdrawals, easy setup, 24/7 support, and high success rates. Aeps India helps you deliver smooth cash withdrawal, balance check, mini statement, and Aadhaar enabled services to your customers without any technical hassle.

A White Label AEPS (Aadhaar Enabled Payment System) Provider like Aeps India offers a ready-made, customizable Aeps software platform for businesses to offer basic banking services (like cash withdrawal, balance check, fund transfers) under their own brand, logo, and domain, using the AEPS infrastructure without building it from scratch, essentially letting a Aeps india sell banking services as if they were their own. It’s a Aeps B2B solution where the Aeps India handles the tech, and the reseller builds their network of agents (distributors/retailers) using the Aeps India system. 

With AEPS India, you get a complete, ready-to-use White Label AEPS API solution that is simple to manage, safe to operate, and built to support high-volume transactions. Whether you are starting a new AEPS business or upgrading your current platform, AEPS India ensures strong uptime, secure Aeps API integration, real-time settlement, and full business support.

If you want a reliable AEPS setup that helps you earn more, serve more customers, and grow in the digital payments market, partnering with the best AEPS API provider is the smart choice. Start your AEPS business with confidence and take the next step toward a profitable and scalable future.

Frequently Asked Questions (FAQs)