Finding the best AEPS setup provider in India is important for retailers and distributors who want to offer fast and trusted Aadhaar-based banking services. Today, customers visit nearby shops expecting quick cash withdrawal, balance enquiry, mini statements, and smooth AEPS transactions. This makes it essential for every retailer to choose an AEPS provider like Noble web studio that offers high success rates, secure service, quick onboarding, 24/7 support, and easy setup.
Noble web studio is an AEPS setup provider can be a bank or a private company that provides the aadhaar enabled payment system software and services to enable Aadhaar-based payments. Example include Noble Web Studio. These Noble Web Studio offer the necessary technical infrastructure and support for retailers and businesses to offer services like cash withdrawal, balance inquiry, and mini-statements through their shops.
Noble web studio is the best AEPS setup provider in India is key to ensuring fast, secure, and reliable transactions for your customers. With the Noble web studio, you can offer services like cash withdrawal, balance inquiry, Aadhaar-to-Aadhaar money transfer, and more, all while earning attractive commissions.
At Noble Web Studio, we provide a complete AEPS setup solution tailored for retailers and distributors. Our platform is secure, easy-to-use, and feature-rich, making it simple for you to start AEPS business with minimal investment. Whether you are a beginner or an experienced agent, our Aeps solution helps you grow your earnings, expand your services, and deliver seamless digital banking experiences to your customers.
This complete guide is designed to help you choose the top AEPS setup provider in India by explaining key features, benefits, and what to check before getting started. Whether you are starting AEPS services for the first time or upgrading to a better provider, this page will help you make the best decision for your business.
What Is AEPS Setup Provider
An AEPS (Aadhaar Enabled Payment System) setup provider is a Noble web studio company that partners with banks to offer the necessary technology and services for retailers or businesses to provide basic banking services through their stores. These Noble web studio enable a business to act as a banking correspondent, allowing customers to perform transactions like cash withdrawal, deposit, and balance inquiries using only their Aadhaar number and fingerprint authentication via a micro ATM or biometric device. The Noble web studio handles the integration with banks and the payment networks, like the NPCI, and offers the platform, software, and support for the retailer.
AEPS Setup Provider Work
An AEPS (Aadhaar Enabled Payment System) setup involves a customer providing their Aadhaar number to a merchant with a micro ATM device, then using their fingerprint or iris scan to authenticate the transaction. The system connects to the bank and the Unique Identification Authority of India (UIDAI) for verification, processing basic banking transactions like cash withdrawal, balance inquiry, or fund transfers securely and instantly.
How AEPS works
- Link Aadhaar to Bank Account: First, the customer must have their bank account linked to their Aadhaar number.
- Visit a Merchant: The customer visits a local merchant or banking correspondent equipped with an AEPS-enabled micro-ATM or point-of-sale device.
- Provide Details and Select Transaction: The customer provides their 12-digit Aadhaar number and selects the desired transaction, such as cash withdrawal, deposit, or balance inquiry.
- Biometric Authentication: The customer authenticates their identity by placing their finger or performing an iris scan on the biometric device.
- Real-time Verification: The system sends the data to the UIDAI for verification. If the biometric authentication is successful, the transaction proceeds securely.
- Transaction Completion: The transaction is processed, the customer’s account is debited, and the merchant receives the funds. The customer receives a confirmation message and a printed receipt.
Types of AEPS Services
The main types of AEPS services include cash withdrawal, cash deposit, balance inquiry, and fund transfer, along with other features like mini statements and Aadhaar authentication. These services allow users to access basic banking functions using their Aadhaar number and biometric authentication.
- Cash Withdrawal: Customers can withdraw cash using biometric authentication.
- Balance Inquiry: Customers can check their bank account balance.
- Mini Statement: Customers can view a summary of recent transactions.
- Cash Deposit: Customers can deposit cash directly into their Aadhaar-linked account.
- Fund Transfer: Money can be transferred between Aadhaar-linked bank accounts.
- BHIM Aadhaar Pay: Merchants can receive payments from customers via their Aadhaar number and biometrics.
- Authentication: Services like Yes/No Authentication, eKYC, and Demographic Authentication.
AEPS agent setup components
These are the physical and digital components needed for an AEPS agent to operate:
- Smart Device: A computer, laptop, or Android smartphone with a stable internet connection.
- Biometric Device: A UIDAI-certified fingerprint or iris scanner, often from brands like Mantra or Morpho.
- Registered Device (RD) Service: This aeps software must be installed on the biometric device to ensure secure data capture and authentication.
- Software/Application: The AEPS agent application or web-based aeps portal provider by the Noble web studio.
Why AEPS Setup Is Essential for Retailers & Distributors
AEPS (Aadhaar Enabled Payment System) is essential for retailers and distributors because it creates a new revenue stream through commissions on basic aeps banking software services, attracts more customers to their stores, and builds customer loyalty by offering convenient, secure financial services like cash withdrawals and balance inquiries. This system also drives financial inclusion, especially in rural areas where access to traditional banks is limited.
For retailers
- Increased revenue: Earn commissions on every transaction, creating a new income stream.
- Higher customer footfall: Attract new customers who need banking services, which can also lead to increased sales of other products.
- Enhanced customer loyalty: By offering convenient and secure basic banking, you improve the customer experience and build trust.
- Expanded services: Can offer more services like bill payments and mobile recharges through the same platform, becoming a one-stop shop for customers.
- Cost-effectiveness: A low-cost way to provide banking services without the high infrastructure costs of a traditional bank branch.
For distributors
- Scalable business model: Use AEPS admin software to manage a network of retailers, set up commission structures, and track transactions in real-time.
- Empower retailers: Equip local stores with the ability to offer banking services, creating a network of mini-banking centers.
- Generate guaranteed income: Earn commission on transactions processed by your retailers.
- Drive financial inclusion: Contribute to the national goal of bringing banking services to underserved and unbanked populations.
Benefits AEPS Setup Provider
An AEPS setup provider like Noble web studio offers benefits like financial inclusion by bringing banking services to remote areas, and convenience and security for users who can conduct transactions using only their Aadhaar number and biometrics. For businesses, the benefits include new revenue streams through commissions and an expanded customer base, while government entities benefit from the transparent disbursement of subsidies.
For users
- Financial inclusion: Provides access to banking services for people in rural or underserved areas.
- Convenience: Eliminates the need for cards, PINs, or frequent branch visits, as transactions can be done with just Aadhaar and biometrics.
- Enhanced security: Uses unique biometric authentication, like a fingerprint, for secure transactions.
- Access to essential services: Enables basic transactions such as cash withdrawal, deposits, balance inquiries, and fund transfers.
- Direct benefit transfers: Facilitates the secure and direct disbursement of government subsidies and benefits.
For businesses (retailers, agents)
- New revenue streams: Earn commissions on every transaction made through the AEPS portal.
- Low startup cost: Requires minimal investment, typically just a smartphone or computer and a certified biometric device.
- Expanded customer base: Attract more customers by offering essential banking services.
- Increased customer loyalty: Enhance your business’s reputation by serving your community’s basic financial needs.
- Efficient transactions: Process transactions quickly, often in less than a minute, improving customer experience.
Features AEPS Setup Provider
An AEPS setup provider like Noble web studio offers features like biometric authentication for secure transactions, basic banking services (cash withdrawal, deposit, balance inquiry, mini-statements), Aadhaar-to-Aadhaar fund transfers, and support for government benefit disbursement. Noble web studio also offer Aeps API integration and technical support for businesses, along with administrative tools for managing agents, commissions, and reporting.
Core banking features
- Biometric authentication: Secure card-less transactions using fingerprint or iris scans.
- Cash withdrawal and deposit: Enables cash transactions at the agent’s location.
- Balance inquiry and mini-statements: Allows users to check their account balance and view recent transactions.
- Fund transfers: Enables fund transfers between Aadhaar-linked accounts.
- Real-time processing: Ensures immediate processing of transactions.
Business and integration features
- API integration: Provides Aeps API for easy integration into existing business platforms.
- Biometric device support: Works with various compatible biometric devices.
- Technical support: Offers assistance with integration, troubleshooting, and maintenance.
- Reporting and analytics: Includes tools to track performance, transactions, and settlements.
- Agent management: Allows businesses to manage their network of AEPS agents.
- Customization: Provides options for customizing the platform, including white label Aeps solutions.
Administrative features
- Security: Implements robust security measures for transactions.
- Commission tracking: Helps businesses manage and track commissions for agents.
- Transaction monitoring: Provides tools for administrators to monitor all AEPS transactions.
AEPS Setup Pricing and Cost
AEPS setup costs include one-time setup fees of approximately ₹12,000–₹35,000, software costs ranging from a one-time purchase of ₹25,000–₹60,000 or recurring monthly/annual fees, and transaction fees of 0.5%–1% per transaction. Other potential Aeps cost include a biometric device (around ₹20,000) and integration fees, depending on whether you choose a basic or white label Aeps solution.
Initial and one-time costs
- API setup fee: ₹12,000–₹35,000
- Software cost:
- One-time: ₹25,000–₹60,000 for a basic Aeps admin portal
- White-label: ₹25,000–₹1.2 Lakhs for a pre-branded Aeps software solution
- Biometric device: Approximately ₹20,000 for a fingerprint terminal
Recurring and ongoing costs
- Monthly/annual fees: Noble web studio charge recurring fees for aeps software service access, with annual costs around ₹40,000 for certain Aeps B2B software
- Transaction fees: Typically 0.5%–1% of the transaction amount, though Aeps platform may use a flat-rate structure (e.g., ₹0.25–₹10 per transaction)
Summary of costs
| Cost Type | Range |
|---|---|
| API Setup Fee | ₹12,000–₹35,000 |
| Basic Software (One-time) | ₹25,000–₹60,000 |
| White-label Software | ₹25,000–₹1.2 Lakhs |
| Biometric Device | ~ |
| Transaction Fee | |
| Monthly/Annual Software Fees | Varies by Noble web studio |
AEPS Commission Structure
AEPS commission structures vary by Noble web studio, but generally involve earning a fixed amount per transaction or a percentage of the transaction value. For example, Noble web studio offer a fixed commission of ₹2 to ₹3 for transactions under ₹1,500, while others might offer a percentage commission with a minimum and maximum cap per transaction, such as 0.40% up to a maximum of ₹25.
Examples of commission structures:
A:
- Transactions between ₹100 and ₹999: Earn ₹2 per transaction.
- Transactions between ₹1,000 and ₹1,499: Earn ₹3 per transaction.
B (effective April 1, 2025):
- AEPS transactions: 0.40% commission with a maximum cap of ₹25.
C:
- Transactions between ₹500 and ₹1,000: Earn ₹1.00 per transaction.
- Transactions between ₹1,000 and ₹1,500: Earn ₹2.00 per transaction.
D:
- Cash withdrawal: 0.07% of the cash-out amount.
Factors that influence commissions:
- Transaction amount: Commission is often based on transaction slabs, with higher transaction amounts sometimes earning a higher commission.
- Transaction type: Different services, such as cash deposit, cash withdrawal, and fund transfer, may have different commission rates.
- Service provider: The commission structure is determined by the specific aeps api provider like Noble web studio.
- Performance-based incentives: Noble web studio may offer additional fixed incentives based on meeting performance criteria.
Security Standards Needed for a Trusted AEPS Setup
A trusted AEPS setup requires adherence to strict regulatory guidelines and robust technological measures to ensure secure transactions and protect sensitive customer data.
Key Regulatory Bodies & Guidelines
Compliance is primarily mandated by three Indian authorities:
- Reserve Bank of India (RBI): Sets stringent security standards for digital payment systems and mandates continuous monitoring, risk controls, and regular KYC updates for AEPS operators/agents.
- National Payments Corporation of India (NPCI): Operates the AEPS admin platform and provides the procedural and technical guidelines for interbank transactions, ensuring interoperability and security across the network.
- Unique Identification Authority of India (UIDAI): Manages the Aadhaar database and is responsible for the identity verification process. It certifies the biometric devices and mandates secure handling of biometric data, ensuring raw data is never stored.
Essential Security Standards
A trusted AEPS setup must implement the following security standards:
- Mandatory Biometric Authentication: Every transaction requires the customer’s Aadhaar number along with a live fingerprint or iris scan for verification against the UIDAI database. This “something you are” factor is the core security feature.
- Certified Biometric Devices: Only UIDAI-certified and STQC-compliant “Registered Devices” (RD services) may be used. These devices are tamper-resistant and ensure that the biometric data is securely signed and encrypted within the device itself before transmission, eliminating the use of stored biometrics.
- End-to-End Encryption: All sensitive financial and personal data must be encrypted during transmission (using protocols like SSL/TLS) and storage to prevent unauthorized access and data breaches.
- Data Handling and Privacy: Raw biometric data must not be stored locally on the agent’s device or the Noble web studio servers. It is only used for one-time authentication with the UIDAI.
- Strict KYC and AML Protocols: Rigorous Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures must be implemented for onboarding aeps software for agents and merchants to prevent identity theft and fraud. Inactive agents require re-KYC.
- Real-time Monitoring and Fraud Detection: Systems must have robust, AI-powered fraud detection mechanisms to monitor transaction patterns for suspicious activity and generate instant alerts to users and authorities.
- Secure APIs and Access Controls: Access to the aeps api service provider like Noble web studio must be secured through unique and best Aeps API keys and secrets, and access may be restricted via IP whitelisting. Role-Based Access Control (RBAC) should limit internal access to sensitive functions.
- Audit Trails: The system must maintain detailed, secure logs of all activities and transactions to ensure data integrity and assist with compliance audits and investigations.
- Multi-factor Authentication (MFA): The RBI is pushing for enhanced security measures, and Aeps setup already implement additional factors like OTPs or PINs in conjunction with biometrics for added security.
Agent/User Best Practices
- Only use trusted service points certified by authorized banks or NPCI-approved Noble web studio.
- Lock biometric data via the UIDAI website or mAadhaar app when not in use.
- Enable and monitor real-time SMS or email transaction alerts to immediately detect unauthorized activity.
- Report any suspicious activity or fraud to your bank and the National Cyber Crime Reporting Portal immediately.
How to Select the Best AEPS Setup Provider in India
Noble web studio is the best AEPS setup provider in India, prioritize regulatory compliance and security by verifying NPCI and RBI certifications. Then, evaluate a Noble web studio reliability and performance through high transaction success rates and uptime, followed by assessing their business-oriented features like commission structures, a user-friendly interface, and robust 24/7 customer support.
1. Compliance and Security
- NPCI and RBI Certification: The Noble web studio must be certified by the National Payments Corporation of India (NPCI) and approved by the Reserve Bank of India (RBI) to ensure it meets all regulatory requirements.
- Data Security: Ensure they use strong data encryption and security protocols to protect sensitive customer and financial data.
- Biometric Authentication: The system must support secure Aadhaar-based biometric authentication (fingerprint or iris scans) for all transactions.
2. Reliability and Performance
- High Transaction Success Rate: Look for Noble web studio with a high transaction success rate, ideally above 98%.
- High Uptime: A Noble web studio with a high uptime minimizes transaction failures and ensures service continuity.
- Technical Support: Check if they offer responsive, 24/7 technical and customer support to address issues promptly.
3. Features and Support
- Transparent Pricing and Commissions: Review Aeps commission structures and ensure they are transparent. Be aware that Noble web studio may charge a fee to start.
- User-Friendly Interface: A simple and easy-to-use interface for both you and your customers is crucial for smooth operation.
- Multi-Bank Support: The Noble web studio should support multiple banks to allow a wide range of customers to use the service.
- Additional Services: Noble web studio that offer value-added services like bill payments and money transfers beyond basic AEPS transactions.
- Scalability: Choose a Noble web studio that can support your business as it grows, offering features that help with expansion.
4. Reputation and Due Diligence
- Reviews and Testimonials: Noble web studio reputation and best user reviews and testimonials from other businesses.
- Request Demos: Ask for a demo to test the Aeps software platform and understand its features before committing.
Why Noble Web Studio Is a Trusted AEPS Setup Provider in India
A Noble web studio is a trusted AEPS setup provider in India due to strong security and compliance with NPCI/RBI guidelines, high reliability with high transaction success rates, and comprehensive, user-friendly services with responsive customer support. Key factors include secure biometric authentication, a reliable Aeps platform with minimal downtime, and transparent pricing that offers a strong income opportunity for retailers.
Security and compliance
- Regulatory adherence: Noble web studio are certified by the National Payments Corporation of India (NPCI) and follow all security guidelines set by the Reserve Bank of India (RBI).
- Biometric security: Transactions are secured using Aadhaar-based biometric verification (fingerprint/iris scan), which minimizes fraud.
- Data protection: Noble web studio encrypt all data transmission and have strict data protection policies.
Reliability and performance
- High transaction success rates: Noble web studio boasts a proven track record with high success rates and low failure rates for transactions.
- Speed and stability: The platform processes transactions quickly and reliably, with minimal downtime and fast settlement times.
- Scalability: The Aeps admin service can scale with a business’s growth, ensuring it remains effective as customer needs increase.
Comprehensive and user-friendly services
- Wide reach: The Noble web studio should have multi-bank support to serve a broad network of customers.
- Intuitive platform: The interface is easy for both agents and customers to use.
- Added services: Noble web studio offer additional services like bill payments and mobile recharge, making the platform more valuable.
- Customer support: 24/7 technical and customer support is crucial for promptly resolving any issues.
Cost and commission
- Transparent pricing: A trustworthy Noble web studio offers clear and competitive commission structures, with no hidden costs.
- Affordable setup: AEPS setup is generally low-cost and a highly secure way for retailers to earn more income.
Conclusion
Noble web studio is the best AEPS setup provider in India is essential for retailers and distributors who want to offer fast, secure, and reliable Aadhaar-based banking services. A trusted AEPS software development company ensures instant cash withdrawal, balance enquiry, mini statements, and Aadhaar payments with high transaction success rates, helping businesses deliver seamless digital financial services to customers.
An AEPS setup provider is a Noble web studio company or service that provides the necessary infrastructure and software for retailers, startups, and business correspondents to offer basic banking services through the Aadhaar Enabled Payment System (AEPS). These Noble web studio act as a link between businesses, banks, and the National Payments Corporation of India (NPCI), enabling transactions like cash withdrawals, balance inquiries, and fund transfers using only Aadhaar and biometric authentication.
Noble Web Studio offers a secure, user-friendly, and high speed AEPS setup supported by advanced AEPS software development that allows retailers and distributors to grow their business confidently. With advanced security, real-time transaction tracking, and easy integration, businesses can expand their reach, increase earnings, and build customer trust across both urban and rural areas.
For retailers and distributors looking to succeed in India’s digital payment market, selecting the right AEPS setup provider is the smartest choice. Noble Web Studio stands out as a top provider, delivering reliable, fast, and fully secure AEPS solutions for businesses of all sizes.
Frequently Asked Questions (FAQ)
An AEPS setup provider is a Noble web studio company that offers Aadhaar-enabled payment services to retailers and distributors. They provide the technology, Aeps API integrate, and support needed to perform cash withdrawals, balance enquiry, mini statements, and other Aadhaar-based transactions.
The Noble web studio ensures fast, secure, and reliable transactions. It helps businesses improve customer experience, increase daily earnings, and avoid transaction failures or delays.
Look for a Noble web studio that offers high transaction success rates, real-time support, easy onboarding, robust technology, and competitive pricing. Reviews and recommendations from other retailers can also help.
A complete AEPS setup usually includes cash withdrawal, balance enquiry, mini statement, Aadhaar-based payment, and aeps api software integration for businesses.
Yes. AEPS transactions are highly secure, using Aadhaar authentication and bank-level security protocols to protect customer information and money.
Absolutely. With a trusted AEPS setup provider like Noble web studio, even small shops or service centers can start quickly and manage transactions smoothly with minimal technical knowledge.
AEPS allows retailers and distributors to provide instant digital payment services, attract more customers, earn service fees per transaction, and expand their financial service network.
Yes. Noble web studio offer 24/7 customer support and real-time troubleshooting, ensuring uninterrupted services for your business.
Integration is optional but highly recommended. It automates transactions, reduces errors, and improves customer experience, making your business more efficient.
Yes. Noble web studio allow distributors to manage a network of retailers under a single account, track transactions, and monitor performance in real-time.