AEPS Service Portal: Complete Guide for Retailers and Businesses

In today’s digital India, AEPS service portals are transforming the way retailers and small businesses offer banking services. With an AEPS portal, you can provide Aadhaar-based cash withdrawals, balance inquiries, mini statements, and fast digital transactions all in one place. This not only helps you serve your customers better but also opens new revenue opportunities for your business.

An AEPS (Aadhaar Enabled Payment System) Service Portal is an online platform that allows banking agents to provide basic financial services to customers using Aadhaar and biometric authentication. These portals facilitate transactions like cash withdrawal, cash deposit, balance inquiries, fund transfers, and mini-statements at a local store, without the need for a debit card or mobile app. They are a key component of financial inclusion, particularly in remote areas. 

Choosing the right AEPS portal provider is essential. Noble Web Studio is a trusted AEPS software provider in India, offering secure, reliable, and easy-to-use AEPS solutions. Their platform supports multi-bank transactions, instant processing, and seamless integration, making it ideal for retailers, agents, and business owners looking to grow their digital payment services.

By partnering with Noble Web Studio, you can start your AEPS services quickly, manage transactions efficiently, and provide a safe and convenient experience for your customers, helping your business stay competitive in the growing digital payments market.

This complete guide will walk you through everything you need to know about AEPS service portals, the benefits for retailers, must-have features, and how Noble Web Studio can help you start and grow your AEPS business successfully.

What Is AEPS Service Portal

An AEPS (Aadhaar Enabled Payment System) Service Portal is an online platform that allows agents and businesses to facilitate basic banking transactions using Aadhaar authentication. These Aeps portals connect agents to the banking network to provide services like cash withdrawal, deposits, balance inquiries, and fund transfers to customers through micro ATM, using a customer’s Aadhaar number and biometric data (fingerprint or iris scan). This system makes financial services more accessible, especially in remote areas, without the need for debit cards or mobile apps. 

AEPS AEPS Service Portal Work

An AEPS (Aadhaar Enabled Payment System) Service Portal works by enabling customers to conduct banking transactions like cash withdrawals, balance inquiries, and mini-statements at participating retailers using just their Aadhaar number and fingerprint. The portal facilitates this by using the customer’s biometrics to authenticate their identity, which then securely sends the transaction request to their bank for processing via the National Payments Corporation of India (NPCI). 

How it works for the customer

• Visit a retailer: Go to a local shop or micro-ATM that is an AEPS-enabled Business Correspondent.
• Provide details: Give the retailer your Aadhaar number, your bank name, and the type of transaction you want to perform (e.g., cash withdrawal).
• Authenticate: Use the biometric device to authenticate the transaction with your fingerprint or iris scan.
• Receive confirmation: The retailer will provide a receipt and you may also receive an SMS confirmation once the transaction is completed. 

How it works for the retailer

• Use a PoS device: The retailer uses a Point-of-Sale (PoS) device or a micro-ATM connected to the AEPS portal.
• Initiate transaction: The retailer enters the customer’s details and the transaction amount into their system.
• Receive payment: The retailer receives their commission for the transaction once it is processed and settled. 

Read Blog : AEPS Platform Solution: Complete Guide for Retailers and Businesses

Who Can Use the AEPS Service Portal?

Any Indian citizen with an Aadhaar-linked bank account can use the AEPS portal for basic banking, while retailers, business owners, and banking correspondents can use a specific AEPS portal to offer these services to customers. For users, the primary requirement is an Aadhaar-linked bank account to conduct transactions through a BC point or micro-ATM. For businesses, an AEPS portal account requires a device, internet connection, biometric device, and a bank account for settlements. 

For individual users

• Anyone with an Aadhaar-linked bank account: Any Indian citizen can use the AEPS service by visiting a banking correspondent (BC) point or micro-ATM.
• Requirements: You only need your Aadhaar number and biometric authentication (fingerprint or iris scan). No smartphone or internet connection is needed for the customer. 

For retailers and businesses

• Retailers and banking correspondents (BCs): Businesses, shop owners, and agents can register for an AEPS portal to become a mini-banking point.
• Requirements:
  • A smartphone or computer with an internet connection.
  • A registered biometric device.
  • An established shop or business location.
  • A bank account for receiving commission and settlements.
  • A valid Aadhaar and PAN card for verification. 

Read Blog : Choosing the Best AEPS Software Development Company for Your Project

Top Use Cases AEPS Service Portal

The AEPS (Aadhaar Enabled Payment System) service portal is primarily designed to promote financial inclusion in rural and underserved areas of India by leveraging the existing Aadhaar infrastructure. It transforms local shops into micro-ATMs, allowing customers to perform basic, secure banking transactions using only their Aadhaar number and biometric authentication (fingerprint or iris scan). 

Top use cases for an AEPS service portal include:

Core Financial Services

These services are typically offered through local agents or merchants using micro-ATMs or point-of-sale devices with biometric scanners. 

• Cash Withdrawal: Allows customers to withdraw cash from Aadhaar-linked accounts without a card or PIN.
• Balance Inquiry: Enables real-time checking of bank account balances.
• Mini Statement: Provides a summary of recent transactions.
• Cash Deposit: Supports depositing cash into Aadhaar-linked accounts, though availability may vary.
• Fund Transfer: Facilitates secure transfers between Aadhaar-linked accounts. 

Business & Government Applications

The AEPS framework supports broader functions: 

• Direct Benefit Transfer (DBT) Disbursement: The government uses AEPS to disburse subsidies, pensions, and other welfare benefits directly to beneficiary accounts, enhancing transparency.
• Micro Merchant Payments (Aadhaar Pay): Allows small businesses to accept cashless payments using a customer’s Aadhaar number and biometric authentication.
• eKYC (Electronic Know Your Customer): Provides a secure, paperless method for identity verification, used by financial institutions for onboarding.
• Rural Banking Expansion: Enables businesses to act as banking correspondents, extending banking access to remote areas. 

Additional Integrated Services

Some AEPS portals offer integrated services beyond basic banking, such as: 

• Domestic Money Transfer (DMT)
• Utility Bill Payments via the Bharat Bill Payment System (BBPS)
• Mobile and DTH Recharges
• PAN Card Services 

These Aadhaar Enabled Payment System Software utilize biometric security and the extensive reach of the Aadhaar system to provide accessible and secure banking services to a large population. 

Why Retailers and Businesses Need AEPS Service Portal

Retailers and businesses need an AEPS service portal to create new revenue streams through commissions, attract more customers by offering essential AEPS Banking Software services, and promote financial inclusion in their community. The system allows businesses to provide secure cash withdrawals, deposits, and balance inquiries using a customer’s Aadhaar number and biometrics, requiring minimal infrastructure like a smartphone and a fingerprint scanner. 

Key reasons for retailers and businesses to use an AEPS portal:

• New revenue streams: Retailers earn commission on every transaction they facilitate, providing a stable and additional income source.
• Increased footfall: Offering basic banking services attracts more customers to their store, which can also lead to increased sales of their primary products.
• Financial inclusion: AEPS allows businesses, especially in rural or remote areas, to provide essential banking services to customers who may have limited access to traditional banks, fostering financial inclusion.
• Low infrastructure cost: Businesses can offer banking services without the high costs of setting up a full bank branch or ATM, making it a cost-effective solution.
• Enhanced security: Transactions are secured through biometric authentication linked to Aadhaar, which minimizes the risk of fraud and theft and builds customer trust.
• Convenience for customers: Customers can perform basic banking transactions using their Aadhaar and fingerprint, saving them time and effort.
• Digital economy alignment: Using AEPS helps businesses become part of India’s growing digital and cashless economy, aligning them with government initiatives. 

Read Blog : Best AEPS Setup Provider in India: Complete Guide for Retailers & Distributors

Benefits AEPS Service Portal

The benefits of an AEPS (Aadhaar Enabled Payment System) service portal include financial inclusion for underserved areas, convenience for users by eliminating the need for cards, and enhanced security through biometric authentication. It provides basic banking services like cash withdrawals and deposits, access to government subsidies, and supports the move towards a cashless economy. 

For users

• Financial Inclusion: Brings banking services to remote areas lacking traditional bank branches.
• Convenience: Allows basic transactions using only an Aadhaar number and fingerprint, without needing debit cards or remembering PINs.
• Security: Transactions are secured by biometric authentication, making them less prone to fraud.
• Accessibility: Access to cash withdrawal, balance inquiry, and mini-statements is available through local micro-ATMs or business correspondents.
• Direct benefit transfer: Facilitates the direct disbursement of government subsidies and pensions. 

For businesses

• Expanded customer base: Attracts new customers by offering convenient banking services at their shop.
• New revenue stream: Earns commissions on each AEPS transaction.
• Enhanced service offering: Provides an additional service that helps maximize cash utilization.
• Low investment: Requires minimal investment in a smartphone/computer and a biometric device. 

Read Blog : AEPS B2B Admin Panel: Complete Guide for Businesses

Feature AEPS Service Portal

A Feature AEPS (Aadhaar Enabled Payment System) Service Portal provides a platform for basic banking transactions using a person’s Aadhaar number and biometric authentication (fingerprint or iris scan). Key features include cash withdrawal, cash deposit, balance inquiry, and fund transfers, which promote financial inclusion by making banking services accessible through local retailers, especially in rural areas. 

Core Features

• Cash Withdrawal and Deposit: Users can withdraw and deposit cash directly from their bank accounts at the point of sale.
• Balance Inquiry: Customers can instantly check their account balance.
• Mini Statement: Users can get a mini statement showing recent transactions.
• Fund Transfer: Funds can be transferred between different bank accounts.
• Biometric Authentication: Transactions are secured through fingerprint or iris scans linked to the individual’s Aadhaar number.
• Interoperability: The system works across different banks, allowing users to access their accounts from various financial institutions.
• BHIM Aadhaar Pay: This specific service is also a feature, allowing for payments using Aadhaar authentication.
• Real-time Processing: Transactions are processed instantly. 
• Broad accessibility: Services are available through a network of banking correspondents and kiosks, extending banking access to rural and semi-urban areas. 

Benefits of the Portal

• Financial inclusion: AEPS provides access to financial services for individuals who may otherwise be unbanked or underbanked.
• Convenience: Transactions are made easy and accessible with only the Aadhaar number and biometric information required.
• Security: Biometric verification adds a layer of security to transactions, reducing the risk of fraud compared to PINs or cards alone.
• Promotes digital economy: It is a key initiative under the Digital India program, driving digital transformation and financial inclusion. 
• Empowers Businesses: A Aeps admin portal enables retailers to earn commissions by offering these services, driving business growth.

Steps to Launch Your Own AEPS Portal

Launching your own AEPS (Aadhaar Enabled Payment System) portal involves partnering with an authorized service provider (aggregator) who provides a white label Aeps solution, allowing you to operate under your own brand. 

Here are the key steps to launch your own AEPS portal:

1. Planning and Research

• Understand AEPS: Familiarize yourself with the system, which is a bank-led model allowing basic banking transactions using Aadhaar number and biometric authentication. It is developed by the National Payments Corporation of India (NPCI).
• Define your business model: Decide on your target market (e.g., rural areas with limited banking access) and the specific services you want to offer (cash withdrawals, balance inquiries, mini statements, etc.).
• Market research: Best white label AEPS providers like Noble web studio based on their reputation, Aeps commission structures, reliability, and support. Request demos to evaluate their platforms. 

2. Legal and Documentation

• Business Registration: Register your company and complete all legal formalities, such as obtaining a GST number if applicable.
• Gather Documents: Prepare the necessary documents for the Know Your Customer (KYC) process. Common requirements include:
  • Aadhaar Card (linked to your bank account and mobile number).
  • PAN Card.
  • Bank account details (cancelled cheque or bank passbook).
  • Passport-sized photographs.
  • Proof of business address (e.g., utility bills).
• Compliance: Ensure your operations will adhere to guidelines from the Reserve Bank of India (RBI) and NPCI to ensure legal and secure operations. 

3. Partner with an AEPS Service Provider 

• Select a provider: Noble web studio is a reliable white-label AEPS software provider. This is a critical step as they aeps api service provider provide the underlying technology and Aeps API integration.
• Sign an agreement: Formalize your partnership through an agreement that outlines the terms, conditions, and commission structure. 

4. Technical Setup and Integration

• Registration and KYC: Complete the agent registration form and the mandatory KYC verification process by submitting your documents.
• Acquire equipment: Purchase the necessary hardware, including an internet-enabled smartphone or computer and a UIDAI-certified biometric device (fingerprint or iris scanner).
• Register device: Connect and register your biometric device with the Noble web studio provide platform.
• Integrate API: If you have an existing system, integrate AEPS API provided by Noble web studio. Otherwise, use their ready made Aeps portal/aeps api software.
• Branding and Configuration: Customize the portal/app with your own brand name, logo, and contact information. Configure the Aeps admin panel to manage AEPS Software for Agents and set Aeps commission rates.
• Testing: Thoroughly test the system in a sandbox environment to ensure smooth transactions before going live. 

5. Launch and Operations

• Support and Marketing: Offer reliable customer support and promote your services locally to attract customers and build trust in your community. 
• Agent Onboarding: Use your Aeps admin panel to onboard and manage a network of distributors and retail agents who will serve the end customers.
• Training: Provide comprehensive training to your agents on using the platform, handling customer queries, and preventing fraud.
• Go Live: Once all setups are complete and verified, launch Aeps portal and start offering services to customers.

Read Blog : How to Choose a Trusted AEPS Panel Provider for Your Business

AEPS Service Portal Cost

The cost for an AEPS (Aadhaar Enabled Payment System) service portal varies widely, from approximately ₹20,000 to over ₹1,00,000 for a one-time purchase Aeps software or a white label Aeps portal. Other pricing models include annual fees, such as around ₹30,000, or monthly Aeps software subscriptions ranging from ₹15,000. The final Aeps cost by the Noble web studio, features included (such as Aeps B2B portal or Aeps API integrated), and the specific type of service being purchased. 

Examples of AEPS portal costs

One-time purchase:

• AEPS B2B Portal: AEPS B2B software Around ₹30,000/year or ₹1,00,000 for a Aeps software package.
• White Label AEPS Portal: Approximately ₹95,000.
• AEPS Software: Starting at ₹20,000, with options for both one-time and subscription models.

Subscription-based:

• Monthly software: Around ₹15,000.

API integration:

• Standard API integration: ₹40,000 – ₹100,000.
• White-label API solution: ₹22,000 – ₹30,000.

Transaction fees:

• Commission: Noble web studio provide commissions can be earned per transaction, with rates varying by transaction type and volume.
• Transaction charges: Ranges can be from ₹0.25 to ₹10 per transaction. 

What to consider when choosing a service

• One-time vs. subscription: Decide if a one-time purchase is more cost-effective or if a monthly subscription better suits your needs.
• Features: Consider whether you need just the portal, an Aeps API integrated, or a full-fledged Aeps B2B solution. Different packages have different costs.
• Transaction fees: Be aware of any per-transaction fees or commission rates that could add to the overall cost. 

Read Blog : How AEPS Setup Helps Retailers Earn More Commission Through Aadhaar Payments

White-Label AEPS Service Portal

A white-label AEPS (Aadhaar Enabled Payment System) service portal is a ready-made Aeps software platform that a business can rebrand with its own name and logo to offer AEPS software services like cash withdrawals, balance inquiries, and fund transfers. Instead of building the complex technology from scratch, Noble web studio can use these white label Aeps solutions to quickly launch their own branded Aeps portal to provide basic banking services, often targeting rural and semi-urban areas. 

Key features

• Branding: You can customize Aeps portal with your own company name, logo, and color schemes.
• Customizable network: You can manage your own network of distributors, agents, and retailers through a central admin panel.
• Rebranded services: The underlying AEPS infrastructure is provided by the developer, but you market it as your own service, including cash withdrawals, balance inquiries, and fund transfers.
• Technical support: Noble web studio often offer technical support, Aeps setup assistance, and ensure adherence to legal requirements.
• Speed to market: It is a quick way to launch your own business, with Noble web studio claiming a portal can be live in as little as 10 minutes after providing the necessary details. 

How to Choose the Best AEPS Service Portal Provider

Noble web studio is the best AEPS service portal provider, prioritize regulatory compliance (NPCI/RBI certification) and robust security measures. Evaluate reliability based on high transaction success rates (98%+) and minimal downtime, and assess performance through fast transaction speeds and real-time settlements. Additionally, consider a user-friendly interface, competitive commissions, strong 24/7 customer support, multi-bank support, and positive reviews. 

1. Regulatory Compliance and Security

• Check certifications: Ensure the aeps solution provider like Noble web studio is certified by the National Payments Corporation of India (NPCI) and complies with all Reserve Bank of India (RBI) guidelines.
• Verify security measures: Look for strong security features like end-to-end encryption, SSL, two-factor authentication, and secure data handling to protect sensitive user data.
• Ask about fraud prevention: Inquire about their fraud detection and monitoring systems. 

2. Reliability and Performance

• Look for high success rates: Choose a Noble web studio with a proven track record of high transaction success rates (aim for 98%+).
• Assess performance: Check for fast transaction processing and real-time settlement to ensure a smooth experience and effective cash flow management for agents.
• Evaluate uptime: A reliable Aeps platform should have minimal downtime. 

3. Features and Functionality

• Ensure a user-friendly interface: The AEPS Portal for Admin should be intuitive and easy to use for both you and your customers.
• Confirm multi-bank support: A Noble web studi that supports a wide network of banks is more convenient for customers.
• Check for additional services: Aadhaar Enabled Payment System portals offer extra features like bill payments, recharges, and money transfer service, which can increase your business revenue. 

4. Support and Cost

• Evaluate customer support: Reliable, round-the-clock technical and customer support is crucial for quickly resolving issues.
• Compare commission rates: Aeps commission structures to ensure competitive rates for your business.
• Understand pricing transparency: Look for a clear and transparent Aeps cost structure, including any licensing or per-transaction fees. 

5. Reputation

• Read reviews: Look for feedback from other retailers or users to gauge their experience with the provider’s service quality and customer satisfaction.
• Check for recommendations: Seek recommendations and references from other businesses. 

Read Blog : Everything You Need to Know About AEPS Portal in India

Why Noble Web Studio is the Best AEPS Service Portal Provider

A Noble web studio is considered a top AEPS service portal provider due to factors like robust security, regulatory compliance with bodies like the RBI and NPCI, seamless integration, and a user-friendly platform. Other key reasons include high transaction success rates, competitive commissions, 24/7 customer support, and the ability to offer a wide range of services through partnerships with numerous banks. 

Security and compliance

• Biometric authentication: Ensures secure, fraud-free transactions by using fingerprint or iris scans linked to a user’s Aadhaar number.
• High Transaction Success Rate: Ensures transactions are processed smoothly with a low failure rate. 
• Data protection: Implements measures to safeguard sensitive user data from unauthorized access. 

Regulatory and compliance

• Regulatory Adherence: Complies with guidelines from the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI).
• RBI Authorization: Works with RBI-authorized bank partnerships. 

Functionality and performance

• Seamless integration: Provides Aeps API and clear documentation for easy integration into existing systems.
• High success rates: Processes transactions reliably with a low failure rate, ensuring consistent service.
• Wide reach: Supports multiple banks, allowing users to access their accounts from various institutions.
• Core services: Enables essential services like cash withdrawal, balance inquiry, and mini-statements.
• Additional services: Often provides other services like cash deposits and fund transfers to enhance customer experience. 

Business and support

• User-friendly platform: Offers an intuitive interface for both agents and customers, making it simple to use.
• Competitive commission: Provides a strong commission structure on transactions, creating a revenue stream for businesses.
• 24/7 customer support: Offers reliable support to assist businesses whenever they need help.
• Scalable infrastructure: Provides a stable and scalable infrastructure that can grow with a business. 

Features and accessibility

• Wide Agent Network: Creates a wide network for broad customer reach.
• Multi-Bank Support: Works with multiple banks for greater accessibility.
• Scalable Infrastructure: Provides a platform that can grow with the business.
• Comprehensive Services: Enables agents to offer core banking transactions like cash withdrawals, balance inquiries, and mini statements. 

Read Blog : Best AEPS App for Retailers: Complete Guide

Future Trends AEPS Service Portal

The future of AEPS (Aadhaar Enabled Payment System) service portals will be shaped by several key trends focused on enhanced security, expanded services, and improved user experience to drive financial inclusion across India. 

Key future trends for AEPS portals include:

Technological Advancements & Security

• AI and Machine Learning: Artificial intelligence and machine learning will be integrated for real-time fraud detection, risk management, and to provide more personalized financial services to users.
• Advanced Biometrics: Authentication will move beyond basic fingerprint scans to include more sophisticated methods like iris and facial recognition for faster and more secure verification.
• Blockchain Technology: The adoption of blockchain is anticipated to enhance security, transparency, and data integrity in transactions by creating a tamper-proof ledger.
• Stricter Regulations: The Reserve Bank of India (RBI) is implementing stricter controls and enhanced Know Your Customer (KYC) processes, effective January 2026, to prevent fraud and monitor operator activities. 

Expanded Services & Integration 

• Multi-Service Hubs: Portals will evolve into comprehensive financial platforms, integrating AEPS with other services such as the Bharat Bill Payment System (BBPS) for utility payments, mobile recharges, and domestic money transfers (DMT).
• Deeper Ecosystem Integration: Seamless integration with existing digital payment platforms like Unified Payments Interface (UPI) and digital wallets will create a more connected financial ecosystem.
• New Financial Products: AEPS admin platforms will expand their offerings to include access to micro-loans, insurance premium collections, and other financial products to meet a wider range of customer needs. 

User Experience & Accessibility

• Mobile-First Approach: There will be a strong focus on developing intuitive, user-friendly, and mobile-optimized interfaces to cater to the increasing smartphone penetration in rural areas.
• Addressing Infrastructure Gaps: Efforts will be made to explore offline AEPS transaction models to overcome connectivity issues in remote areas and expand digital infrastructure.
• Real-Time Processing: Expect greater emphasis on real-time transaction processing and instant settlements to improve efficiency and customer confidence. 

AEPS portals will continue to be a crucial tool in driving financial inclusion in India, leveraging these technological and service advancements to bring banking services to unbanked and underbanked populations. 

Conclusion

Choosing the best AEPS service portal in India is the key to offering reliable banking services and building a strong income source for your business. AEPS helps retailers and small businesses provide cash withdrawal, balance check, mini statements, and Aadhaar-based payments quickly and securely. With the right platform, you can serve more customers, increase your daily earnings, and grow your business without any big investment.

An AEPS (Aadhaar Enabled Payment System) Service Portal is an online platform that allows banking agents to provide basic financial services to customers using Aadhaar and biometric authentication. These Aeps b2b portals facilitate transactions like cash withdrawal, cash deposit, balance inquiries, fund transfers, and mini-statements at a local store, without the need for a debit card or mobile app. They are a key component of financial inclusion, particularly in remote areas. 

Partnering with Noble Web Studio provides access to a secure, scalable, and fully automated AEPS solution that simplifies operations, improves customer satisfaction, and boosts revenue. The Aeps portal supports real-time transactions, high success rates, biometric authentication, and instant settlements, making it ideal for startups, Aeps B2B platform, and retail businesses.

By implementing the right AEPS Service Portal, you can expand your customer base, increase earnings, and offer seamless digital payment services.

Noble Web Studio provides a secure AEPS portal, fast Aeps API services, multi-bank support, and a simple dashboard designed for retailers and businesses across India. Their AEPS software solutions make digital banking easy, safe, and profitable for everyone.

If you want to start AEPS services with confidence and choose a trusted technology partner, Noble Web Studio is the best AEPS portal provider to help you grow your business and reach more customers every day.

Frequently Asked Questions (FAQs)