AEPS Setup in India: Step-by-Step Guide for Retailers and Startups

In today’s fast-growing digital economy, the AEPS setup in India has become one of the most powerful tools for enabling cashless banking services in rural and semi-urban areas. The Aadhaar Enabled Payment System (AEPS) allows customers to perform basic banking transactions such as cash withdrawals, balance inquiries, and money transfer using only their Aadhaar number and biometric authentication without needing a debit card or ATM.

To set up AEPS (Aadhaar Enabled Payment System), a person or business must register with an AEPS service provider like Noble web studio, complete KYC verification, obtain a biometric device (like a fingerprint scanner), and have a device with an internet connection (smartphone, computer, or tablet). Once set up, the agent can use the platform to offer services such as cash withdrawal, balance inquiry, and fund transfer by authenticating transactions with the customer’s Aadhaar and biometric data.  

An AEPS setup allows businesses to connect directly with banks and NPCI (National Payments Corporation of India) networks using secure AEPS API integration. With the help of a trusted provider like Noble Web Studio, you can quickly build your own AEPS portal or build AEPS software that supports instant transactions, real-time reporting, and biometric authentication all while ensuring data safety and compliance.

Whether you’re a fintech startup, retailer, or digital service provider, understanding how AEPS setup works helps you grow your business and support India’s mission of financial inclusion.

In this step-by-step guide, we will show you how to set up AEPS in India, what documents you need, the best AEPS software provider like Noble web studio, and practical tips to start accepting digital payments confidently. Whether you are a small shop owner, fintech startup, or micro-entrepreneur, this guide is made easy to follow and fully optimized to help you get started with AEPS quickly.

What is AEPS Setup

An AEPS Setup can refer to setting up AEPS for a customer to use, or setting up an AEPS agent portal to provide services. For customers, it involves linking their Aadhaar to their bank account and visiting a participating bank branch or micro-ATM to use a biometric device for transactions like cash withdrawals. For agents or retailers, setup includes registering with an AEPS provider, getting a biometric device, installing the necessary Aeps software or app, and completing a KYC process to offer financial services.  

To set up AEPS, you need to choose a service provider, complete KYC with your Aadhaar and PAN, and obtain a biometric device. You must also have an internet-enabled smartphone or computer to run the service provider’s application or portal. After registration and device setup, you can start offering services like cash withdrawals and balance inquiries to customers. 

For a Customer (to use AEPS)

1. Link Aadhaar to Bank Account: Visit your bank branch to link your Aadhaar number with your bank account. 
2. Visit an AEPS Agent/Micro-ATM: Go to a bank branch, a participating retail store (like a Bank Mithra Point), or a micro-ATM. 
3. Provide Details: Give your 12-digit Aadhaar number to the agent. 
4. Select Transaction: Choose the type of transaction (e.g., cash deposit, balance inquiry, cash withdrawal). 
5. Biometric Authentication: Authenticate the transaction by providing your fingerprint or iris scan on the biometric device. 
6. Complete Transaction: The transaction is processed, and you can collect your receipt. 

For an Agent/Retailer (to offer AEPS services)

1. Choose a Provider: Partner with an AEPS portal provider like Noble Web Studio. 
2. Register: Complete the AEPS agent registration form and undergo a KYC (Know Your Customer) process using your Aadhaar and PAN cards. 
3. Acquire a Device: Obtain a compatible biometric (fingerprint) device or micro ATM. 
4. Install Software/App: Install the AEPS software on your computer or the corresponding app on your smartphone. 
5. Begin Services: Once the device is connected and the AEPS Software for Agents is set up, you can begin offering AEPS services like cash withdrawal, balance enquiry, and fund transfers to customers. 

AEPS Setup Work

The AEPS setup work involves registering with an Noble web studio, procuring the necessary equipment, completing the Know Your Customer (KYC) process, and activating your account to begin providing banking services. An Aadhaar Enabled Payment System (AEPS) is a secure, bank-led model that uses Aadhaar number and biometric authentication to enable financial transactions at a Micro ATM or other Point of Sale terminals. 

Requirements for AEPS setup

To begin AEPS services, you will need a small initial investment to secure the following: 

• A stable location: This can be an existing shop, office, or other established business location where you will serve customers.
• Internet-enabled device: You need a computer, laptop, or an Android smartphone with a stable internet connection to run the AEPS application or Aeps portal.
• UIDAI-certified biometric device: A fingerprint or iris scanner that is compatible with your chosen Noble web studio provide aeps b2b software is mandatory for customer authentication.
• KYC documents: You must have the following documents for verification:
  • Aadhaar card (linked to your mobile number and bank account)
  • PAN card
  • Bank account details (for commission settlement)
  • Passport-sized photograph
  • Working email address and mobile number
• AEPS service provider: You must register with a Noble web studio that provides AEPS software and a Aeps b2b portal.

Step-by-step setup process

1. Choose an AEPS service provider: Select a Noble web studio their commission structure, platform features, and customer support.
2. Register as an agent: Visit the Noble web studio website and fill out the online AEPS agent registration form with your personal and business details.
3. Complete KYC: Submit your documents online or undergo a video KYC as required by the Noble web studio. This verification process typically takes 24 to 48 hours.
4. Acquire and register your biometric device: Purchase a UIDAI-certified fingerprint or iris scanner and register it with your Noble web studio provide Aeps portal.
5. Set up your system: Download and install the Ezeepay AEPS application or software onto your smartphone or computer and connect your biometric device.
6. Receive login credentials: Once your registration is approved, you will receive an agent ID and login details to access the AEPS portal.
7. Begin offering services: With your setup complete, you can start providing AEPS services, such as cash withdrawals, balance inquiries, and deposits, to customers and earn a commission on each transaction. 

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

AEPS Setup Requirements for Retailers and Fintech Startups

To set up an AEPS system, both retailers and fintech startups need to register with a service provider, complete Know Your Customer (KYC) verification with their PAN, Aadhaar, and bank account details, and acquire necessary hardware like a government-certified biometric device and a micro-ATM. Fintech startups have additional requirements, such as building a scalable platform, integrating Aeps API, ensuring regulatory compliance (like with the RBI and NPCI), and obtaining the necessary licenses and security protocols for their white-label solution. 

Requirements for retailers

For retailers, the setup is straightforward and involves partnering with an Noble web studio AEPS aggregator a bank’s Business Correspondent (BC) network. 

Business and legal requirements

• Establishment: A physical shop or business location is required for verification.
• Identification: The retailer must have an Aadhaar card and a PAN card.
• Bank account: An active bank account is necessary for receiving commissions and for transaction settlement.
• Business details: If applicable, you must provide documents like a Shop & Establishment Certificate or GST registration.
• Agreement: You will need to sign an agreement with the Noble web studio that outlines the terms, conditions, and commissions. 

Technical and hardware requirements

• Smart device: A computer, laptop, or Android smartphone with a stable internet connection is needed to run the AEPS application or portal.
• Biometric device: You must purchase a UIDAI-certified biometric scanner, such as a fingerprint or iris scanner. These devices, from brands like Mantra or Morpho, are mandatory for authenticating customers.
• Registered device (RD) service: The biometric device must have a registered device (RD) service installed to ensure secure biometric data capture and authentication.
• Software/App: Install the AEPS agent application or access the web-based portal provided by your service provider. 

Requirements for fintech startups

Noble web studio can integrate AEPS directly into their own applications by becoming a Business Correspondent (BC) for a bank or by partnering with an Noble web studio AEPS aggregator. 

Business and legal requirements

• Regulatory approval: The startup needs to obtain necessary approvals and adhere to guidelines from the Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI).
• Bank partnership: It must partner with a Noble web studio to access the AEPS network. The Noble web studio can also be a Payment Service Provider.
• KYC compliance: The Aeps platform must implement and follow strict KYC and anti-money laundering (AML) protocols for onboarding agents and customers.
• Data security: The Noble web studio is responsible for ensuring robust security measures, including data encryption and compliance with UIDAI’s data protection norms. 

Technical and integration requirements

• AEPS API: The startup must get access to the AEPS API from its partner Noble web studio. The AEPS API Provider like Noble web studio allows developers to integrate AEPS functionality, like cash withdrawal and balance inquiry, into their own application.
• Development environment: You must test the Aeps API integration in a secure sandbox or test environment provided by the partner before going live.
• Secure infrastructure: The platform requires a secure and scalable infrastructure to handle high transaction volumes reliably. It should also have fraud detection systems.
• Compatible hardware: The AEPS platform must be compatible with UIDAI-certified biometric devices.
• System integration: The AEPS API integrated into the startup’s existing platform, such as a mobile app, website, or Point-of-Sale (POS) system.
• Admin panel: A robust Aeps admin panel is needed to manage agents, track transactions, handle commissions, and run reports. 

Read Blog : How to Choose the Best AEPS Service Provider for Your Business

Documents Required for AEPS Setup

To set up an AEPS system, an applicant needs an Aadhaar Card, PAN Card, a bank account linked to Aadhaar, a passport-sized photo, and a biometric device (fingerprint scanner). They must also provide a working mobile number and email address for communication and complete the relevant AEPS agent registration form from a service provider like Noble web studio. 

Required Documents:

• Aadhaar Card: For identity verification and biometric authentication. 
• PAN Card: For tax compliance and to confirm business or individual registration. 
• Bank Account Details: Your bank account number, IFSC code, and bank name, which must be linked to your Aadhaar. 
• Passport-Sized Photo: For identification purposes during the application process. 
• Working Mobile Number and Email Address: Essential for registration, communication, and receiving important updates. 

Equipment:

• Biometric Device: A UIDAI-certified fingerprint scanner or biometric device is necessary for performing transactions via the AEPS portal. 
• Smartphone or Computer: A compatible device with an active internet connection is needed to access the AEPS portal. 

How AEPS Setup Helps in Business Growth

An AEPS setup aids business growth by generating new revenue streams through transaction commissions, increasing customer foot traffic by attracting new clients for banking services, and expanding market reach to unbanked and rural areas. Businesses can also benefit from cost-effectiveness by providing banking services with minimal infrastructure, enhancing customer trust through secure Aadhaar biometric authentication, and diversifying service offerings by integrating AEPS with other financial services. 

Revenue Generation 

• New Commission Streams: Businesses earn commissions on each financial transaction they facilitate, turning their location into a “human ATM”.

Customer Acquisition & Retention

• Increased Foot Traffic: Offering basic banking services attracts more customers who then also purchase the business’s primary products or services. 
• Expanded Customer Base: Businesses can reach and serve the unbanked and underbanked populations, tapping into new market segments, especially in rural and remote areas. 
• Enhanced Customer Loyalty: By providing a convenient, secure, and necessary service, businesses build customer trust and satisfaction. 

Cost & Infrastructure Efficiency

• Reduced Infrastructure Costs: AEPS eliminates the need for costly physical bank branches, making it a cost-effective way to extend financial services. 
• Low Investment, High Returns: Setting up an AEPS portal requires relatively low investment but can lead to high returns through commissions on transactions. 

Expanded Service Offerings & Competitive Edge

• Diversified Services: Noble web studio can integration AEPS with other services like mobile recharges and bill payments to offer a broader range of solutions. 
• Competitive Advantage: Providing AEPS services gives businesses a competitive edge, especially in areas with limited banking access. 

Security & Trust

• Secure Transactions: The system relies on secure Aadhaar biometric authentication, making transactions fraud-resistant. 
• Government-Backed Security: The government-backed nature of AEPS build strong customer trust and confidence. 

Top AEPS Setup Providers in India

Top AEPS setup providers in India include established players like Noble web studio, alongside technology-focused. When choosing a Noble web studio, consider factors like commission structure, technical support, security features, and integration capabilities for services like cash withdrawal, fund transfers, and balance inquiries through the Aadhaar Enabled Payment System (AEPS). 

Factors to Evaluate When Choosing a Provider

• Commission Structure: Look for Noble web studio offering competitive commissions for transactions. 
• Customer Support: Excellent and dedicated customer support is crucial for resolving queries and issues. 
• Technical Support: Ensure the Noble web studio offers support for integrating AEPS API with your existing systems. 
• Security & Reliability: Noble web studio with high uptime and a proven track record of secure and reliable transactions. 
• User-Friendly Interface: A Aeps platform that is easy for agents and customers to use is essential for efficient operation. 
• Range of Services: Check if the Noble web studio offers support for various transaction types and other relevant services. 
• Bank Support: Ensure the Noble web studio supports a wide range of banks for seamless transactions for customers. 

Read Blog : What is AEPS Portal and How Does It Work?

Benefits of AEPS Setup

An AEPS (Aadhaar Enabled Payment System) setup offers benefits like financial inclusion, providing banking access to remote areas through mobile devices and biometric authentication. It offers convenience to users, eliminating the need for cards or PINs, and enhanced security via real-time biometric checks by the government’s UIDAI system. For businesses, it generates income through transaction commissions and increases customer reach by offering essential banking services. 

Benefits for Users

• Financial Inclusion: AEPS brings banking services to rural and remote areas that lack traditional bank branches or ATMs. 
• No Cards, No PINs: Users only need their Aadhaar number and a fingerprint for transactions, simplifying access to funds. 
• Convenience: Basic banking services such as cash withdrawals, deposits, balance inquiries, and fund transfers can be performed easily. 
• Security: Transactions are secured using biometric authentication (fingerprints), which reduces fraud and the risk of PIN-based security issues. 

Benefits for Businesses

• Increased Income: Businesses, especially banking correspondents and agents, can earn commissions on every transaction they facilitate. 
• Customer Reach: Offering banking services attracts more customers, including those who previously couldn’t access them. 
• Revenue Stream: AEPS provides a new way for businesses to generate revenue by providing essential financial services. 

Benefits for Banks

• Cost-Effectiveness: Banks can reduce their operating costs by using banking correspondents for services, avoiding the need for more physical branches. 
• Wider Reach: Banks can extend their services to a larger customer base in unbanked and underbanked areas. 
• Support for Digital Economy: AEPS contributes to a cashless economy by enabling more widespread digital transactions. 

Features of AEPS Setup

An AEPS setup is based on a hub-and-spoke model involving a central AEPS system and a network of micro-ATMs operated by business correspondents (BCs). The key features of an AEPS setup include its ability to facilitate basic banking services securely and efficiently, particularly in rural and underserved areas. 

Core functionalities

• Aadhaar-based banking services: AEPS facilitates basic banking services for customers with Aadhaar-linked bank accounts. These services include:
  • Cash withdrawal
  • Cash deposit
  • Balance inquiry
  • Mini statements
  • Aadhaar-to-Aadhaar fund transfers
  • BHIM Aadhaar Pay for merchants to accept payments
• Biometric authentication: Transactions are authorized using biometric data, such as a fingerprint or iris scan, providing a highly secure and fraud-resistant method.
• Interoperability: The system is bank-agnostic, allowing a customer of any bank to perform transactions at the micro-ATM of any other participating bank.
• No card or PIN required: Since authentication relies on the customer’s Aadhaar number and biometrics, there is no need for debit cards, credit cards, or PINs to complete a transaction.
• Direct Benefit Transfer (DBT): The system facilitates the efficient disbursement of government entitlements and subsidies directly to beneficiaries’ bank accounts. 

Security features

• Multi-layered security: AEPS software incorporates multi-layered security measures to protect sensitive financial and personal data.
• End-to-end encryption: Data is encrypted during both transmission and storage to prevent unauthorized access and tampering.
• Fraud detection: Advanced AEPS software includes AI-powered fraud detection to monitor for and prevent suspicious transactions in real time.
• Strict compliance: The system adheres to strict security and regulatory guidelines set by the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI). 

Scalability and integration

• Scalable infrastructure: The AEPS platform designed to handle high transaction volumes and a growing network of agents without sacrificing performance.
• Multi-level distribution: The system supports a tiered network of master white labels, distributors, and agents, allowing a business to scale its operations and reach.
• Seamless API integration: AEPS API solution enable businesses and fintech companies to integrate AEPS functionalities into their existing applications, mobile apps, and point-of-sale (POS) systems.
• Customization and white-labeling: Noble web studio often offer customizable or white label AEPS portal, allowing businesses to launch the service under their own brand. 

Operational features for businesses

• User-friendly dashboards: AEPS platforms provide administrative panels for businesses and distributors to manage agents, track transactions in real-time, and generate reports.
• Automated commission management: The aeps software automatically calculates and processes commissions for every successful transaction, creating a new revenue stream for agents and businesses.
• Low investment and fast ROI: For retailers, the setup requires minimal investment in hardware, typically just a smartphone or computer and a biometric device, leading to a quick return on investment. 

Access and convenience

• Assisted banking mode: Transactions are conducted through a banking correspondent at a micro ATM providing a convenient, assisted experience for users.
• Reaches remote areas: AEPS expands banking services to rural and underserved populations, providing financial access in places where traditional bank branches are scarce. 

Step-by-Step Process to Setup AEPS

To set up AEPS (Aadhaar Enabled Payment System), you must register with a Noble web studio, complete the KYC (Know Your Customer) process by submitting documents like your Aadhaar and PAN cards, acquire a compliant biometric device, and then integrate the provided AEPS API into your business platform or use their application. After successful registration and integration, you can begin offering services such as cash withdrawals, balance inquiries, and fund transfers using customers’ Aadhaar number and biometric authentication. 

Step 1: Choose an AEPS Service Provider

• Select a reputable Noble web studio that offers the necessary technology and support. 
• Look for Noble web studio with a secure and scalable aeps API, multi-bank support, and reliable technical assistance. 

Step 2: Complete Registration and KYC

• Submit an application form and provide the required documents, including your Aadhaar card, PAN card, and bank details, to the chosen provider. 
• Complete the Know Your Customer (KYC) process to fulfill legal requirements and get your account verified. 

Step 3: Obtain and Register a Biometric Device

• Get a biometric device: Acquire a compatible biometric device (e.g., a fingerprint scanner) for customer authentication.
• Ensure internet connectivity: You need a reliable internet connection and a smartphone or computer to run the AEPS application or integrate best aeps API.

Step 4: Integrate the AEPS Platform/API

• Receive API and documentation: The Noble web studio will give you the top AEPS API key and integration documentation. 
• Integrate the API: Integrated AEPS API into your existing website or mobile application. 
• Use the provided platform: Alternatively, you can use the pre built AEPS agent platform or application. 

Step 5: Begin Offering AEPS Services

• Once integrated and approved, you can start offering financial services like cash withdrawals, balance inquiries, and fund transfers to customers. 
• Customers will provide their Aadhaar number and authenticate using their biometrics for verification. 

Step 6: Comply and Earn 

• Customers receive a transaction receipt after each successful transaction.
• You will earn a commission for every transaction processed through your AEPS service and need to maintain accurate records for compliance.

Read Blog : Best AEPS Portal for Admin: Complete Guide 2025

Legal Requirements and RBI Guidelines for AEPS

The Reserve Bank of India (RBI) requires banks to conduct thorough Know Your Customer (KYC) due diligence on AePS Touchpoint Operators (ATOs) and perform periodic KYC updates. Acquiring banks must also implement transaction surveillance systems and risk-based operational parameters to monitor ATO activity and prevent fraud. Any inactive ATOs for three consecutive months must undergo fresh KYC before being reactivated. These enhanced guidelines are effective from January 1, 2026, following a notification in June 2025. 

Key RBI Guidelines for AePS:

• Mandatory Due Diligence for ATOs: Banks must conduct thorough KYC and due diligence on all ATOs, following the guidelines for individual customer verification. 
• Periodic KYC Updates: Banks must regularly update the KYC records of their ATOs. 
• Re-KYC for Inactive ATOs: If an ATO is inactive (no financial or non-financial transactions) for a continuous period of three months, the bank must perform a new KYC verification before allowing them to resume transactions. 
• Transaction Monitoring and Risk Controls: Banks must implement transaction surveillance systems to monitor ATO activities and set risk-based operational parameters (e.g., transaction limits based on geography, volume, or type) to control fraud. 
• Continuous Parameter Review: These operational parameters and risk controls need to be continuously reviewed and updated to reflect emerging fraud trends. 
• Strict API Control: Banks must ensure that Application Programming Interfaces (APIs) are used exclusively for bona fide AePS operations and not for other unregulated services. 

Effective Date: 

• The new, enhanced compliance framework for AePS touchpoint operators will come into effect from January 1, 2026.

Implications for Banks:

• Banks need to take immediate steps to align their systems and policies to meet these new requirements before the January 2026 deadline. 
• Acquiring banks are responsible for ensuring that the ATOs they onboard adhere to these regulations to enhance the security of the AePS. 

AEPS Setup Cost

An AEPS setup can cost approximately ₹12,000 to ₹35,000 for initial setup fees, with software costs potentially ranging from ₹30,000 to ₹50,000, depending on the provider and integration type (proper vs. white label). A biometric device, also known as a fingerprint terminal, can cost around ₹20,000, and the overall investment also includes ongoing transaction fees, which are a percentage of the transaction amount.  

Key Components of AEPS Setup Cost

• Initial Setup Fees: Varies by Noble web studio, but expect costs between ₹12,000 and ₹35,000. 
• AEPS Software/Portal: You’ll need aeps admin software that supports the Aadhaar Enabled Payment System API, with costs ranging from ₹35,000 to ₹50,000 for a full Aeps solution. 
• Biometric Device: A compatible fingerprint scanner is essential for transaction authentication, with prices around ₹20,000. 
• Transaction Fees: A commission is charged for each successful transaction, typically a percentage of the transaction amount (e.g., 0.5% to 1%), often with a cap. 
• Optional Add-ons: Noble web studio offer an Aeps admin Portal, which can add to the setup cost, such as around ₹36,000 for an admin panel service. 

Factors Influencing Cost 

• Provider: Noble web studio will have varying fee structures.
• Integration Type: White label aeps solutions or proper integrations will impact the setup cost.
• Included Services: The features and services offered with the best AEPS software will determine its price.

Where to Find Providers

You can find Noble wbe studio provide offerings on platforms like IndiaMART or by contacting best Aeps company like Noble Web Studio directly. 

Read Blog : Why Businesses Need an AEPS Software Development Company

Earn Commission Easily with Aeps Setup

To set up an Aadhaar Enabled Payment System (AEPS) business and earn commission, you must register as an agent with an Noble web studio, complete the necessary KYC, and acquire the required equipment. Your earnings will be based on a tiered commission structure and the transaction amount. 

AEPS setup: Step-by-step guide

Meet eligibility requirements

Be 18 years of age or older.

Have an Aadhaar card with a linked mobile number.

Possess a PAN card.

Hold an active, functioning bank account.

(Optional but recommended) Have a physical shop or business location.

Choose a service provider

Select a reputable Noble web studio aggregator.

Compare Noble web studio based on their commission structure, transaction success rates, ease of use, and customer support.

Register as an AEPS agent

Visit the service Noble web studio website or download their app.

Fill out the AEPS agent registration form with your personal, business, and banking details.

Submit digital copies of your Aadhaar card, PAN card, and bank passbook or a canceled check.

Complete KYC verification

Undergo the Know Your Customer (KYC) process as mandated by Noble web studio. This may involve uploading documents and completing a video KYC.

Required documents:

Aadhaar Card (linked to a bank account and mobile number)

PAN Card

Passport-sized photograph

Bank account details for commission settlement

Valid email address and mobile number

Acquire and register a biometric device

Purchase a UIDAI-certified biometric device, such as a fingerprint scanner, compatible with your provider’s platform.

Integrate and activate:

Install the Ezeepay application on a computer or smartphone and connect the biometric device. Once your account is approved, you can start offering AEPS services. 

1. Start offering services
   • Once your registration is approved, you will receive an agent ID and login credentials. You can then begin facilitating AEPS services.
   • Available services: Cash withdrawals, cash deposits, balance inquiries, mini-statements, and Aadhaar-to-Aadhaar fund transfers. 

Earning commission and maximizing revenue

AEPS commissions are paid per transaction and vary by provider and transaction type. Here is a typical tiered structure for retailers, though rates may differ: 

• Low-value transactions (₹100–₹999): Around ₹2 per transaction.
• Mid-value transactions (₹1,000–₹1,999): Around ₹3 to ₹4.5 per transaction.
• Higher-value transactions (₹2,000–₹2,499): Around ₹5.5 per transaction.
• Transactions of ₹3,000 and above: Potentially up to ₹13 or more per transaction. 

To maximize your earnings, consider the following strategies:

• Choose a strategic location: Setting up your AEPS service in a location with high foot traffic or limited access to traditional banks can attract more customers.
• Diversify services: Offer a wider range of services like mobile recharges, bill payments, and money transfers through the same platform to attract more customers and increase your revenue streams.
• Increase transaction volume: Actively promote your best AEPS service in your local community, especially in areas with limited bank access. Good service can generate positive word-of-mouth referrals.
• Serve your market: Focus on semi-urban and rural areas where demand for local banking services is high due to a lack of traditional bank branches.
• Maintain sufficient cash: Always have enough cash on hand to handle cash withdrawal requests efficiently. This builds trust and ensures smooth operations.
• Choose the right provider: Noble web studio provide best Aeps commission rates and incentives offered to select the one that offers the most attractive commission structure for your business volume. 

How to Choose the Right AEPS Setup Provider

Noble Web Studio is a right AEPS setup provider, verify their NPCI and RBI compliance, ensuring they are authorized and adhere to regulations. Prioritize providers with robust data security and fraud prevention measures, a strong track record of high transaction success rates, and a user-friendly platform. Look for excellent 24/7 customer support, transparent pricing, competitive commission structures, and the ability to integrate with your existing systems. 

Key Factors to Consider

Regulatory Compliance and Security:

• NPCI/RBI Certification: Confirm the Noble Web Studio is certified by the National Payments Corporation of India (NPCI) and follows the Reserve Bank of India (RBI) guidelines. 
• Data Security: Ensure they employ strong security measures like end-to-end encryption and secure user authentication to protect sensitive data. 
• UIDAI Standards: The Noble Web Studio must comply with UIDAI regulations for secure biometric verification. 

Reliability and Performance:

• High Transaction Success Rate: A Noble Web Studio with a high success rate ensures smooth and reliable service for customers. 
• Uptime and Stability: Choose a Noble Web Studio with minimal downtime to ensure consistent service availability. 
• Fast Transaction Processing: Quick processing times enhance customer satisfaction. 

User Experience and Features:

• User-Friendly Interface: The Aeps B2b platform should be intuitive and easy to navigate for both you and your customers. 
• Multi-Bank Support: A Noble Web Studio supporting a wide range of banks offers greater flexibility. 
• Value-Added Services: Look for Noble Web Studio offering additional services like mobile recharge, bill payments, and micro ATM services. 

Support and Transparency:

• 24/7 Customer Support: Access to reliable and responsive 24/7 technical support is crucial for resolving issues promptly. 
• Transparent Pricing: Understand the complete cost structure, including licensing fees, transaction charges, and commission rates. 

Integration and Scalability:

• Seamless Integration: The platform should easily integrate with your existing systems, such as POS terminals or mobile apps. 
• Scalable Platform: Choose a Noble web studio that can handle your business growth without performance degradation. 

Steps to Choose a Provider

1. Define Your Needs: Determine your specific transaction volumes and required features. 
2. Research Providers: Gather information on various providers and compare their offerings. 
3. Verify Compliance: Check their NPCI/RBI certifications and security protocols. 
4. Evaluate Support: Contact their customer support to gauge their responsiveness. 
5. Test a Demo: Utilize demos or trial periods to assess the platform’s usability and performance. 
6. Seek Recommendations: Read customer reviews and testimonials for insights into real-world experiences. 

Read Blog : Best AEPS Portal Provider in India: Complete Guide 2025

AEPS Setup Solutions

AEPS setup solutions involve registering with an Noble web studio, completing KYC verification, obtaining hardware like a biometric device and micro-ATM, and integrating aeps software/API to offer services like cash withdrawals, balance inquiries, and mini-statements through biometric authentication. Businesses can then use their Aeps admin panel to manage agents and provide these financial services to customers. 

1. Choose an AEPS Service Provider 

• White Label Solutions: Noble web studio offering white label AEPS software, allowing you to brand the platform with your own logo and design.
• Evaluate Providers: Look for factors like security, scalability, commission structures, ease of use, and the quality of customer support.

2. Complete Registration and KYC 

• Submit Documents: Fill out the Noble web studio provide online form and submit required documents, including your business and personal details like PAN card, Aadhaar, and bank account information for Know Your Customer (KYC) verification.
• Approve and Activate: Once your application is approved, you will receive login credentials for your admin panel and can activate AEPS service.

3. Get Necessary Equipment and Infrastructure

• Biometric Device: You’ll need a biometric device, such as a fingerprint scanner or iris scanner, that supports STQC/Aadhaar certification. 
• Micro-ATM and Internet: A micro ATM device and a reliable internet connection are essential for processing transactions. 
• Computer/Smartphone: You will also need a smartphone, computer, or tablet with internet access to run the software and manage the services. 

4. Integrate the System 

• API Integration: Connect the AEPS API provided by Noble web studio to your existing business systems.

How Noble Web Studio Helps AEPS SetUp Easily

An AEPS (Aadhaar Enabled Payment System) provider helps businesses set up AEPS easily by offering a complete suite of technical infrastructure, compliance support, and business management tools. Instead of having to build the entire system from scratch and manage complex regulatory processes, a business can simply AEPS API integrating or use their ready made aeps portal. 

Key ways a provider helps with AEPS setup

1. Provides API and software integration

• Ready-made solutions: The Noble web studio offers pre-built, white label AEPS portals and mobile apps that a business can brand and launch quickly. This eliminates significant development time and costs.
• Seamless API integration: For businesses with an existing application or website, the AEPS provider offers a well-documented Aeps API. Developers can use this API to embed AEPS functionalities directly into their platform.
• Sandbox environment: To ensure a smooth integration, providers offer a test environment where developers can test AEPS functionalities before going live. 

2. Manages compliance and security

• Regulatory approval: Noble web studio ensure that the platform is certified by the National Payments Corporation of India (NPCI) and compliant with Reserve Bank of India (RBI) guidelines. This is crucial for legal and secure operation.
• Biometric device registration: They handle the process of registering compatible biometric devices (like fingerprint scanners) with the required UIDAI (Unique Identification Authority of India) services.
• Robust security protocols: Noble web studio implement strong security measures like end-to-end encryption for data protection, secure Aeps API gateways, and multi-factor authentication to protect customer data and minimize fraud. 

3. Supports business operations

• Agent and distributor management: Noble web studio offer an best AEPS admin panel with tools to onboard, manage, and monitor a network of agents or distributors. Administrators can set commission rates and track performance from a central dashboard.
• Transaction processing and settlement: They handle the technical backend for routing AEPS transactions, ensuring real-time processing and efficient settlement of funds.
• Reporting and analytics: Businesses get access to detailed reports and analytics to track transaction volumes, monitor earnings, and gain insights into business performance.
• Ongoing technical support: Noble web studio offer 24/7 technical and customer support to help with integration, troubleshoot operational issues, and ensure a high uptime. 

4. Facilitates the end-to-end process

• Minimal requirements: Noble web studio make it simple for retailers and entrepreneurs to get started with minimal investment. The only requirements are a smartphone or computer, a biometric device, and an internet connection.
• KYC and onboarding: The Noble web studio guides businesses through the necessary Know Your Customer (KYC) verification process, collecting and submitting the required documents like Aadhaar and PAN cards.
• Training and resources: Noble web studio offer training, marketing guidance, and other business assistance to help agents effectively promote and use the AEPS service in their communities. 

Read Blog : Step-by-Step Guide to AEPS Integration for Businesses

Future of AEPS Setup in India

The future of AEPS (Aadhaar Enabled Payment System) setups includes enhanced security via AI and blockchain, expanded services like utility bill payments, deeper integration with other platforms such as UPI, and improved user-friendly, mobile-first interfaces to drive greater financial inclusion in India’s rural areas. New RBI regulations will also bolster security and curb fraud, while ongoing government initiatives and increasing user awareness will continue to fuel its adoption.  

Enhanced Security and Technology

• AI and Advanced Biometrics: Artificial Intelligence and Machine Learning will be used for advanced fraud detection and personalized services, while more secure biometric and eKYC methods will streamline verification. 
• Blockchain Technology: Blockchain will be adopted to increase transparency and security in transactions, providing a more trusted environment. 

Expanded Services and Integration

• Broader Service Offerings: AEPS platforms will offer more than just basic banking, including utility payments, loan services, and insurance, becoming comprehensive digital service hubs. 
• Integration with Other Platforms: AEPS will be further integrated with other digital platforms like UPI, mobile wallets, and various non-financial applications through embedded finance. 

Improved Accessibility and User Experience

• Mobile-First Approach: A greater focus will be on developing user-friendly mobile-first interfaces for easier access. 
• Real-Time Settlements: The system will move towards real-time transaction settlements, improving efficiency. 
• Offline Transaction Capabilities: Future Aeps development includes the ability to perform transactions even when offline. 

Increased Reach and Financial Inclusion

• Rural and Underbanked Areas: Efforts will continue to expand the geographical reach of AEPS services into rural and semi-urban areas to bridge the financial gap and foster financial inclusion. 
• Government Support: Continued government initiatives and increased awareness will drive wider adoption of AEPS, supporting direct benefit transfers and government welfare payments. 

Conclusion

The AEPS setup in India has transformed the way people access banking services, especially in rural and semi-urban areas. With the help of the Aadhaar Enabled Payment System (AEPS), individuals can easily perform cash withdrawals, balance checks, and fund transfers without visiting a bank branch. For businesses, fintech startups, and retailers, AEPS offers a powerful opportunity to deliver instant and secure banking services to customers right at their doorsteps.

To set up AEPS (Aadhaar Enabled Payment System), a retailer needs to register with an Noble web studio, obtain a biometric device (fingerprint scanner), a smartphone or computer with internet, and complete KYC verification using Aadhaar and PAN cards. After approval, the retailer can use the AEPS portal or app to offer services like cash withdrawals, balance inquiries, and money transfers by authenticating customer transactions via their Aadhaar number and fingerprint. 

By partnering with Noble Web Studio, businesses can launch a complete AEPS setup with secure Aeps API integration, easy onboarding, and real-time transaction monitoring. Our AEPS Banking Software solutions are designed to meet the latest banking standards and ensure smooth operations with fast authentication, high uptime, and reliable payouts.

Partner with Noble Web Studio to get the best AEPS portal, Aeps API integration, and admin control panel for your business. Make digital payments easy, secure, and accessible to everyone across India.

In 2025 and beyond, AEPS setup will continue to play a major role in driving financial inclusion and digital empowerment across India. If you want to build a trusted, scalable, and profitable AEPS business model, Noble Web Studio is your best technology partner for growth and success.

FAQ – AEPS Setup in India