AEPS Software Cost: Complete Guide for Businesses and Retailers

In India’s fast-growing digital payment industry, AEPS (Aadhaar Enabled Payment System) has become one of the most trusted and widely used banking solutions. It allows users to withdraw money, check balances, and make secure transactions using just their Aadhaar number and fingerprint without the need for a debit card or internet access. For entrepreneurs, B2B startups, and retailers, offering AEPS services is a smart and profitable way to grow a digital financial business in both rural and urban areas.

AEPS software cost varies widely, ranging from a one-time purchase of around ₹20,000 to ₹100,000 or more, to annual fees of ₹80,000 to over ₹1,00,000, depending on features, the Noble web studio, and licensing (such as a white-label solution). Additional costs can include transaction fees, integration setup fees, and monthly or annual maintenance fees. 

If you’re planning to start your own AEPS business or integrate AEPS into your Aeps B2B portal, one of the first things you need to know is the AEPS software cost. Understanding the pricing, features, and benefits helps businesses make the right decision and choose a trusted Aeps software provider like Noble web studio.

A good AEPS platform should be secure, fast, user-friendly, and affordable. The cost of AEPS software depends on several factors like features, Aeps API integration, real-time reporting, and white label Aeps options. For startups and retailers, investing in a high-quality AEPS solution means long-term success and steady income.

A reliable AEPS software provider like Noble Web Studio offers secure, fast, and customizable AEPS software solutions designed for retailers, distributors, and B2B companies. With low Aeps setup cost, features like real-time reporting, instant settlements, multi-bank integration, and 24/7 technical support, Noble Web Studio helps businesses deliver smooth and safe Aadhaar-based payment services.

If you are looking to start your own AEPS business or want to know how much AEPS software costs in India, this complete guide by Noble Web Studio will help you understand everything from pricing factors and software features to benefits and setup process.

What is AEPS Software

AEPS software is a platform that enables basic banking transactions like cash withdrawal, balance inquiry, and fund transfers using a person’s Aadhaar number and biometric authentication. It is a bank-led system, developed by the National Payments Corporation of India (NPCI), that allows users to access their accounts via micro-ATMs or POS devices at any bank’s business correspondent outlet. This technology promotes financial inclusion, particularly in rural areas, by providing a paperless and cashless way to access banking services without needing a debit card or PIN. 

AEPS Software Work

AEPS software works by using an individual’s Aadhaar number and biometric data for basic banking transactions through a micro-ATM or point-of-sale device. The best aeps software connects a customer’s bank account to the banking network, facilitating services like cash withdrawals, deposits, and balance inquiries without a debit card or PIN. The core process involves the agent using the software to authenticate the customer via Aadhaar and biometrics, which then communicates with the National Payments Corporation of India (NPCI) and the customer’s bank to process the transaction. 

How AEPS software works

1. Customer identification: A customer provides their Aadhaar number to an agent (or Business Correspondent) at a retail shop or kiosk.
2. Agent/BC authentication: The agent uses the top AEPS software and a micro ATM or PoS device to select the customer’s bank from a list.
3. Biometric verification: The customer’s fingerprint is scanned and verified against the Aadhaar system’s records.
4. Transaction processing: Once authenticated, the software processes the requested transaction, such as a cash withdrawal, deposit, or balance inquiry, by communicating with the bank through the NPCI network. 

Read Blog : What is AEPS (Aadhaar Enabled Payment System)? Complete Guide 2025

Types of AEPS Software Pricing Models

AEPS software pricing models typically involve a combination of one-time fees (like setup or Aeps software purchase), recurring fees (monthly or annual subscriptions), and per-transaction fees or commissions. Models can include pay-per-transaction, fixed-fee for a period (monthly/annually), licensing models, and tiered pricing based on features or transaction volume. 

Pricing model breakdown

Pricing Model	Description	Example Costs (approx.)
One-Time Fee	A single payment for the software or API integration.	₹25,000–₹60,000 for basic Aeps software, with setup fees around ₹12,000–₹35,000
Per-Transaction	A commission or fee is charged for each transaction processed.	A 0.5% to 1% commission or a fixed fee per transaction
Subscription	A recurring fee for access to the software and services.	₹10,000–₹100,000 per month or ₹40,000 per year
White-label	A pre-branded, ready-to-use solution for a higher one-time or recurring cost.	₹25,000 to over ₹1.2 Lakhs for white label solutions
Hybrid	A combination of different models, such as a one-time setup fee plus a recurring monthly fee and/or per-transaction commission.	A common approach that combines the models above

Other potential costs

• API integration: Depending on your needs, this can be included in the one-time fee or charged separately.
• Device purchase: This is often separate from Aeps software costs, as it involves purchasing biometric devices.
• Retailer commissions: In some B2B models, you may need to pay commissions to retailers or distributors for their services. These commissions are often based on transaction value. 

Factors Affecting AEPS Software Cost

The cost of AEPS software is influenced by factors such as the Noble web studio pricing, integration type (custom vs. white-label), feature set, transaction volume, and ongoing maintenance requirements. Other costs include setup fees, Aeps software purchase or subscription fees, and per-transaction charges, while features like advanced services and specific Aeps API integrated can also increase the price. 

Factors affecting software cost

• Service Provider: Noble web studio have different pricing structures, commission models, and support levels, which will impact the overall cost.
• Integration Type:
  • Custom Development: Building Aeps solution from scratch is the most expensive option.
  • White-Label Solutions: A ready-made, pre-branded Aeps platform is more affordable than a custom build but may have a higher initial cost than an API integration.
  • API Integration: Integrating Aeps API into an existing platform is typically cheaper than developing a full white-label solution.
• Features: A Aeps software package with more features, such as cash deposit, fund transfers, and detailed reporting, will cost more than a basic package with just cash withdrawal and balance inquiry.
• Transaction Volume and Type: While not a direct Aeps software cost, the volume and type of transactions (e.g., withdrawal, balance inquiry) influence the commission structure and overall running costs.
• API and Third-Party Integrations: Integrating with specific banks, payment gateways, or other APIs adds to the overall development and integration cost.
• Maintenance and Support: Ongoing costs for maintenance, bug fixes, and technical support will add to the total cost of ownership, with some providers offering monthly or annual packages.
• Software Licensing: You may face one-time software costs or recurring monthly/annual fees depending on the provider and the type of Aeps software you purchase. 

Average Cost of AEPS Software

The average cost for AEPS software in India can range significantly, from around ₹20,000 to over ₹1,00,000 for a one-time purchase, with some white label Aeps solution starting as low as ₹20,000 and requiring annual fees. Costs are affected by factors like whether you choose a ready-made white-label solution or a custom Aeps developed one, the Noble web studio, and the specific features included. 

One-time purchase costs

• Basic to mid-range solutions: Prices can start around ₹20,000 to ₹35,000 for pre-built white-label solutions. Other software, depending on the features, can range from ₹25,000 to ₹50,000.
• Higher-end and custom solutions: Some premium Aeps software and custom Aeps software development services can cost up to ₹1,00,000 or more. 

Other potential costs

• Annual/Subscription fees: White-label solutions may have annual fees that can range from ₹40,000 to ₹80,000 or more, depending on the features.
• Transaction fees: Noble web studio might charge transaction-based fees, such as a commission of 0.5% to 1% per transaction, capped at a certain amount.
• API Integration: If you need to integrate AEPS API into an existing system, the setup fees can range from ₹12,000 to ₹35,000. 

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

Features AEPS Software

AEPS software provides core banking services like cash withdrawal, balance inquiry, cash deposit, and fund transfers, all authenticated by biometrics. Key features also include multi-bank support, real-time transaction processing, advanced security, and administrative tools for businesses to manage agents, commissions, and reports. This enables financial inclusion by offering banking services through a network of agents. 

Core banking and transaction features

• Cash Withdrawal: Allows customers to withdraw cash from their bank account.
• Cash Deposit: Enables customers to deposit cash directly into their accounts.
• Balance Inquiry: Provides real-time account balance information.
• Fund Transfer: Facilitates money transfers between Aadhaar-linked accounts.
• Mini Statement: Generates a summary of recent account transactions.
• BHIM Aadhaar Pay: Supports payments via this specific system. 

Administrative and business features

• Biometric Authentication: Secures all transactions using fingerprints or iris scans.
• Multi-Bank Support: Compatible with services from many different banks.
• Real-time Processing: Ensures transactions are processed and confirmed instantly.
• Admin Portal: Aeps Admin Portal dashboard for businesses to manage agents, monitor transactions, and handle commissions.
• Reporting: Provides robust reporting tools for business analysis.
• Commission Management: Allows businesses to set up and manage commissions on transactions. 

Security and technical features

• Data Security: Employs strong security measures to protect user data.
• End-to-End Encryption: Secures data throughout the transaction process.
• AEPS API Integration: Allows integration with other platforms and services.
• Fraud Detection: Utilizes AI to help detect and prevent fraudulent activities. 

Benefits AEPS Software

(AEPS) Aadhaar Enabled Payment System software offers significant benefits for customers, businesses (agents), and the overall financial ecosystem, primarily by promoting financial inclusion, enhancing security through biometrics, and providing convenience. 

Benefits for Customers and Financial Inclusion

• Accessibility: AEPS brings basic banking services to rural and underserved areas, often at the customer’s doorstep via local agents (shopkeepers or business correspondents), eliminating the need to travel long distances to a physical bank branch.
• Convenience: It allows users to perform essential banking transactions using only their Aadhaar number and biometric authentication (fingerprint or iris scan), removing the need for physical debit cards, PINs, or signatures.
• Basic Banking Services: Customers can conduct key transactions, including:
  • Cash withdrawals and deposits.
  • Balance inquiries and obtaining mini-statements.
  • Fund transfers (Aadhaar-to-Aadhaar).
  • Disbursement of government benefits and subsidies seamlessly.
• Direct Benefit Transfer (DBT): It serves as a primary channel for the Indian government to disburse welfare payments, subsidies, and pensions directly into beneficiaries’ Aadhaar-linked accounts, ensuring efficient and transparent fund delivery. 
• Interoperability: The system is connected to all major banks through the National Payments Corporation of India (NPCI), allowing customers of any bank to use any AEPS-enabled touchpoint. 

Benefits for Businesses and Agents

• New Revenue Streams: Retailers and local entrepreneurs can become AEPS Software for Agents, earning commissions on each transaction performed at their location, which creates an additional source of income.
• Increased Foot Traffic and Customer Loyalty: Offering essential banking services attracts more customers to a business, enhancing customer trust and loyalty.
• Cost-Effectiveness: Businesses and banks can extend their services without the significant capital investment and maintenance costs of establishing physical branches and ATMs.
• Operational Efficiency: The Aeps admin software reduces reliance on paperwork and traditional infrastructure, promoting a faster, more efficient, and scalable digital payment process.
• Integration and Management: AEPS software offers easy integration with existing systems, detailed transaction reports, and user-friendly dashboards for managing agents and commissions effectively.

Overall Systemic Benefits

• Enhanced Security: Transactions are highly secure due to the use of biometric authentication, which significantly reduces the risk of fraud compared to card or PIN-based systems.
• Digital Adoption: AEPS encourages a shift toward digital and paperless transactions, reducing India’s cash dependency.
• Scalability and Quick Processing: The robust nature of AEPS platforms ensures quick, real-time processing and the ability to handle large volumes of transactions across diverse regions. 

How to Choose the Right AEPS Software Provider

Noble web studio is the right AEPS software provider, prioritize regulatory compliance (NPCI/RBI certification) and security, then evaluate reliability by checking for high transaction success rates and minimal downtime. Also, consider the Noble web studio features like a strong admin panel, multi-bank compatibility, and ease of integration. Finally, compare costs, including commission structures, and ensure they offer strong technical support. 

1. Regulatory compliance and security

• NPCI/RBI Certification: Ensure the Noble web studio is certified by the National Payments Corporation of India (NPCI) and complies with Reserve Bank of India (RBI) guidelines.
• Robust security: Look for Noble web studio that use strong security measures like encryption protocols and firewall protection to safeguard sensitive user data. 

2. Reliability and performance

• High success rate: Choose a Noble web studio with a proven track record of a high transaction success rate (ideally 98%+98%+), which indicates reliability.
• Fast processing: Opt for a system that offers fast biometric authentication, real-time confirmation, and quick commission updates.
• Minimal downtime: A Noble web studio with high uptime is crucial for consistent service availability. 

3. Features and functionality

• Strong admin panel: A robust Aeps admin panel allows for efficient management of agents, transaction monitoring, and dispute resolution.
• Multi-bank support: Ensure the system supports transactions across a wide network of banks.
• User-friendly interface: The Aeps platform should be easy to use for both agents and customers.
• Integration capabilities: Check if the Aeps software can be seamlessly integrated with your existing systems.
• Additional services: Noble web studio may offer extra services like mobile recharge or bill payments, which could be beneficial. 

4. Cost and support

• Competitive commissions: Compare Aeps commission rates and understand the entire fee structure, including any licensing costs.
• Transparent pricing: Look for clear, transparent pricing without hidden charges.
• Responsive support: Ensure the Noble web studio offers accessible, 24/7 technical support to handle issues promptly via phone, email, or chat.
• Real-time settlements: Fast or instant commission settlements are vital for agents and should be part of the offering. 

Read Blog : Best AEPS Service Providers in India 2025: Everything You Need to Know

How Noble Web Studio Offers Affordable AEPS Software

Noble web studio offer affordable AEPS software through affordable Aeps API integration, competitive pricing, and B2B software solutions that create a new revenue stream for businesses through transaction commissions. Look for providers that offer a transparent fee structure, including low one-time setup fees and transaction costs that are not excessively high, and support both Aeps API integrate for fintechs and a Aeps B2B platform for retailers. 

How AEPS providers offer affordable software

• API Integration: Noble web studio offer Aeps API that allow them to integrate AEPS functionality into their existing platforms for a lower cost than building a custom Aeps solution from scratch.
• Competitive Pricing: Noble web studio compete on price. Look for those with reasonable one-time setup fees (around $12,000 to $35,000), reasonable Aeps software cost, and per-transaction fees that are capped (e.g., at $15).
• B2B Software and Platforms: Noble web studio offer their own Aeps software platform. These are often more affordable for retailers because they bypass the need for direct AEPS API Software integration, and the Noble web studio handles the technical heavy lifting.
• Revenue-Sharing Models: The cost-effectiveness is also based on the earning potential of the agent. Providers ensure agents can earn commissions on every transaction, which can be a significant incentive for businesses to use the service.
• Cost-Effective Compliance: Noble web studio often bundle compliance support and a secure system into their packages. This helps small businesses and startups stay compliant with regulations without the high cost of building and maintaining a compliant system themselves. 

Why Noble Web Studio is a Leading AEPS Software Provider

Noble web studio becomes a leading AEPS software provider by offering a secure, reliable, and feature-rich platform that meets regulatory compliance, provides excellent customer support, and enables seamless integration. Key factors include robust data security, biometric authentication, high transaction uptime, a wide network of agents, user-friendly interfaces, and comprehensive documentation for easy Aeps API integration. 

Core features and capabilities

• Security and compliance: Adherence to National Payments Corporation of India (NPCI) guidelines and the use of encryption and biometric authentication are essential for security and trust.
• Transaction speed and reliability: The platform must handle a high volume of transactions quickly and with low failure rates to ensure a positive user experience.
• User-friendly interface: The Aeps software should have an intuitive interface for both agents and customers, including agent dashboards for management.
• Integration: Seamless integration through clear AEPS API solution and documentation allows businesses to incorporate AEPS functionality into their existing applications.
• Multi-bank support: Noble web studio supports multiple banks, allowing a wide range of customers to use their services. 

Business and operational advantages

• Scalability: The Aeps B2B platform should be scalable to accommodate a growing number of transactions and a large user base.
• Customer support: Reliable, 24/7 technical and after-sales support is crucial for business partners.
• Cost-effectiveness: Competitive commission structures and cost-effective solutions help businesses grow and increase revenue.
• Widespread agent network: A wide network of agents ensures wider customer reach, especially in rural areas, which is a core benefit of AEPS. 

Additional services

• Integration with other services: Noble web studio often integrated AEPS with other services like mobile recharges and bill payments, creating a one-stop solution.
• Business growth opportunities: The Aeps platform empowers entrepreneurs to provide basic banking services, creating new income streams and improving financial inclusion. 

Read Blog : How to Activate AEPS: Complete Step-by-Step Guide for 2025

Why Choose Noble Web Studio for AEPS Software Development

Choose Noble Web Studio, a trusted AEPS software development company, for generate revenue through commissions, attract more customers, and promote financial inclusion. Key factors to consider when selecting a provider include their security protocols, reliability, ease of integration, and strong technical support. A strong Noble Web Studio helps build your brand, manage operations, and provides the necessary tools for a successful business in the digital payment space. 

Business and financial benefits

• Revenue generation: Earn commissions on every transaction you facilitate, creating a significant and steady income stream.
• Increased customer base: Attract more customers who can access essential banking services, leading to increased footfall and sales for other products.
• Expanded services: Integrate other services like mobile and DTH recharges and utility bill payments to become a one-stop shop for your customers.
• Cost-effectiveness: Start a business with minimal investment in infrastructure, making it a high-return opportunity. 

Operational and technical benefits

• Financial inclusion: Bring essential banking services to underserved communities, such as cash withdrawal, balance inquiries, and deposits, using only an Aadhaar number and fingerprint.
• Enhanced security: Ensure secure transactions through biometric authentication and data encryption, protecting both your business and your customers.
• Seamless integration: Use APIs to integrated AEPS functionality into your existing platform or app, with support for multi-bank integration.
• Robust support: Benefit from 24/7 technical support, clear documentation, and reliable performance to ensure smooth operations.
• Scalability: Choose a Noble web studio that can support your business as it grows, with the ability to handle a high volume of transactions. 

Strategic advantages

• Brand building: Noble web studio offer white-label solutions, allowing you to build your own branded AEPS software and strengthen your market presence.
• Customer loyalty: By providing a reliable and convenient local banking solution, you build trust and loyalty with your customers.
• Compliance: Work with a Noble web studio that is compliant with all necessary regulatory standards, ensuring your business operates legally and securely. 

Read Blog : Top AEPS B2B Software Service Providers Transforming Digital Payments in India

Future Trends of AEPS Software Pricing

Future AEPS software pricing trends will likely involve a mix of one-time setup fees (₹12,000–₹35,000 for Aeps API integration), Aeps software packages (₹15,000–₹1,00,000 or more for Aeps B2B software, and ₹25,000–₹60,000 for Aeps API solutions), and transaction fees (around 0.5%–1% per transaction, or ₹0.25–₹10 per transaction). Annual subscriptions (₹80,000/year) and higher costs for white-label solutions will also continue. Future trends will focus on competitive commissions, scalability, and features like micro ATM integration and bill payments, driving price variations based on functionality and vendor. 

One-time and setup costs

• API integration: ₹12,000 to ₹35,000, with a potential one-time fee of ₹15,000 to ₹40,000 for a standard Aeps API integration.
• White-label solutions: ₹22,000 to ₹1.2 Lakh for depending on features set. 

Software and subscription costs

• AEPS software: ₹15,000/month to ₹80,000/year, with some Aeps B2B software costing up to ₹40,000 per month or higher.
• API software: One-time purchase costs can range from ₹25,000 to ₹60,000 for a base solution, or higher for premium packages.
• Admin panel: Costs can range from ₹15,000 to ₹50,000+ depending on features and complexity. 

Ongoing and transaction costs

• Transaction fees: Approximately 0.5% to 1% of the transaction value, or a flat fee of ₹0.25 to ₹10 per transaction.
• Commission: Retailers earn commissions based on transaction value, which can increase with volume. For example, a 0.30% commission structure is offered by Noble web studio. 

What to look for in the future

• Scalability and features: Future pricing will be heavily influenced by the platform’s ability to handle a large volume of transactions and offer integrated features like micro-ATMs and bill payments.
• Competitive commissions: Noble web studio will compete on Aeps commission structure and pricing to help businesses maximize revenue.
• Regulatory compliance: Costs may increase due to ongoing compliance requirements from the RBI and NPCI. 

Conclusion

Understanding the AEPS software cost is one of the most important steps for any business or retailer planning to start a digital payment venture in India. A reliable and secure AEPS platform not only helps you serve your customers better but also allows you to earn high commissions through Aadhaar-enabled transactions like cash withdrawal, balance inquiry, and money transfer.

AEPS software costs vary, but typically include a one-time setup fee of approximately ₹12,000 to ₹35,000 and Aadhaar Enabled Payment System software costs ranging from ₹35,000 to ₹50,000. Additional costs may involve monthly or annual support packages and transaction fees, which can be a percentage of the transaction value (0.5%–1%) or a flat amount.

When choosing the right Aeps solution, businesses should always look for an Noble web studio that offers transparent pricing, advanced features, fast Aeps API integration, and 24/7 technical support. While the AEPS software cost in India may vary depending on features and customization, investing in a trusted and scalable Aeps solution ensures long-term success and smooth business growth.

Noble Web Studio is one of the best AEPS software providers in India, offering affordable, high-speed, and white-label AEPS solutions for startups, retailers, and distributors. With secure transactions, user-friendly dashboards, and real-time reporting, Noble Web Studio helps businesses expand their services and establish a strong presence in India’s growing fintech market.

If you’re looking to start AEPS business or want a custom AEPS software solution, Noble Web Studio is your trusted partner for success combining affordability, performance, and reliability to help you achieve your digital payment goals.

Start your AEPS journey today with Noble Web Studio your gateway to a smart, profitable, and secure digital payment business.

Frequently Asked Questions (FAQs)