Best AEPS Onboarding Company in India

Finding the best AEPS onboarding company in India is crucial for businesses, retailers, and fintech startups looking to offer Aadhaar Enabled Payment System (AEPS) services. AEPS allows cash withdrawal, balance enquiry, mini statement, and Aadhaar-based fund transfers, making it a reliable way to serve customers while earning daily commissions.

AEPS (Aadhaar Enabled Payment System) onboarding is the registration process for agents or merchants to activate and use AEPS services, allowing them to facilitate banking transactions (cash withdrawal, balance inquiry) via Aadhaar-based biometric authentication. It involves submitting KYC documents (PAN, Aadhaar, bank details), verifying identity via biometric scan, and linking a bank account. 

Choosing a trusted partner ensures fast onboarding, secure Aeps KYC verification, RBI compliance, and smooth AEPS transactions. Noble Web Studio stands out as a top AEPS onboarding company in India, providing easy onboarding, advanced AEPS software, real-time settlements, and strong security features.

Partnering with a top AEPS company like Noble Web Studio ensures your business gets trusted technology, seamless support, and easy access to digital payments, helping you grow in India’s fast-growing AEPS ecosystem.

Noble Web Studio is a leading AEPS onboarding company in India, offering a simple, secure, and efficient onboarding solution for businesses of all sizes. With fast Aeps KYC verification, real-time approval, and easy agent management, Noble Web Studio helps businesses scale their AEPS network without hassle.

With Noble Web Studio, businesses get a reliable, fast, and RBI-compliant AEPS onboarding solution that supports cash withdrawals, balance enquiries, mini statements, and Aadhaar Pay. By partnering with a trusted AEPS onboarding company, businesses can reduce operational delays, improve transaction success rates, and expand their reach in both urban and rural areas.

By the end, you’ll understand why Noble Web Studio is trusted across India as the best AEPS onboarding company, making your journey into digital banking fast, easy, and secure.

This blog will guide you through why Noble Web Studio is the top AEPS onboarding Company in India, covering their services, benefits, and features. Whether you are a CSP, fintech startup, or business owner, you will learn how to start AEPS services smoothly, boost your digital payment reach, and provide seamless banking solutions to your customers.

What is AEPS Onboarding

AEPS onboarding is the mandatory registration process for agents or retailers to become authorized to offer banking services such as cash withdrawals, deposits, and balance inquiries using Aadhaar-based biometric authentication. It involves KYC, linking a bank account, and using a biometric device. 

AEPS Onboarding Work

AEPS onboarding for agents involves registering with an authorized Noble web studio, completing KYC (Aadhaar, PAN, bank details), and setting up Aeps biometric hardware. Agents, as Business Correspondents, enable Aadhaar-based transactions (cash withdrawal, balance inquiry) using Noble web studio to, for, and through secure, NPCI-linked platforms. 

Key Aspects of AEPS Onboarding & Working:

• Eligibility & Documents: Applicants must be over 18, possess an Aadhaar card (linked to a bank account), a PAN card, a smartphone/computer, and a Aeps biometric device (scanner).

Onboarding Process:

• Registration: Register with an Noble web studio.
• KYC Verification: Submit personal documents, often requiring Aeps Video KYC.
• Hardware Setup: Install the biometric scanner software.
• Activation: The Aeps agent ID is activated to start transactions.

How it Works for Customers:

• Visit: Customer visits an agent’s shop (mini-bank).
• Input: Agent enters the 12-digit Aadhaar number and selects service type (e.g., withdrawal).
• Authentication: Customer provides a fingerprint or iris scan for authentication, ensuring high security.
• Transaction: NPCI-authorized network Processes the request, transferring funds from the customer’s bank to the agent’s account.
• Security Measures: Biometric data is encrypted and transmitted securely, never stored by the agent, ensuring data protection.
• 2026 Guidelines: As of January 1, 2026, RBI guidelines mandate strict due diligence on Touchpoint Operators (ATOs), with mandatory fresh KYC for agents inactive for three months. 

Agents can earn commissions (approximately ₹7–₹10 or 1% for higher amounts) per transaction. 

AEPS Onboarding Eligibility Criteria

AEPS (Aadhaar Enabled Payment System) onboarding requires applicants to be at least 18 years old, Indian citizens with a valid PAN card, Aadhaar card linked to a bank account, and a registered mobile number. Essential hardware includes a smartphone/laptop and a registered Aeps biometric device (Mantra). 

Eligibility Criteria

• Age: Minimum 18 years.
• Citizenship: Indian National.
• Documentation: Valid PAN Card and Aadhaar Card (with accurate date of birth).
• Banking: Active bank account linked with Aadhaar.
• Mobile: Functional mobile number linked to Aadhaar for OTP verification.
• Infrastructure: A shop or office space (can be a small setup).
• Technical Skills: Basic knowledge of operating a smartphone or computer. 

Who Can Apply for AEPS Onboarding in India

Any Indian citizen aged 18 or older with a valid Aadhaar card, PAN card, and an Aadhaar-linked bank account can apply for AEPS onboarding. Primarily aimed at retail shop owners, CSPs (Customer Service Points), and entrepreneurs, applicants must have a functional Aeps biometric device (fingerprint/iris scanner) and a smartphone or PC to provide banking services. 

Key Eligibility Criteria for AEPS Agent Onboarding

• Citizenship & Age: Must be an Indian citizen, 18+ years old.
• Documentation: Valid Aadhaar card, PAN card, and bank account (linked to Aadhaar).
• Location/Setup: A physical shop or kiosk is generally required for operating as a Business Correspondent (BC).
• Hardware: A STQC/Aadhaar certified Aeps biometric device (fingerprint/iris scanner) is mandatory.
• Skills: Basic computer/smartphone knowledge is required to handle digital transactions. 

Who Can Apply?

• Retailers & Kirana Store Owners: To offer services like cash withdrawal and balance inquiry.
• CSPs (Customer Service Points): To act as banking agents.
• Entrepreneurs & Startups: Looking to enter the Noble web studio. 

Onboarding Process

Interested individuals must register through an authorized AEPS service provider or Aeps API provider (such as Noble Web Studio complete Aeps KYC verification, and set up the necessary hardware and Aeps admin software to start transactions. 

Documents Required for AEPS Onboarding

AEPS onboarding for agents requires mandatory KYC, including a PAN card, Aadhaar card (linked to a bank account and mobile number), a cancelled cheque or bank passbook for account verification, a recent passport-sized photo, and a functional Aeps biometric device. These documents are used for agent registration and Aeps eKYC, which can be completed through a Noble web studio. 

Essential Documents for AEPS Agent Registration

• Aadhaar Card: Mandatory for identity verification and linking.
• PAN Card: Required for tax compliance and identification.
• Bank Account Proof: A cancelled cheque, bank statement, or the first page of the passbook for account verification.
• Photograph: Recent passport-sized photograph.
• Registered Mobile Number: A phone number that is linked to your Aadhaar for OTP verification.
• Proof of Address: Documents such as a utility bill, voter ID, or passport may be requested. 

Required Hardware and Setup 

• Biometric Device: A finger or iris scanner is required for customer authentication.
• Smartphone/Computer: A device with internet connectivity to run AEPS software or Aeps application. 

Important Notes

• KYC Process: The registration process often involves Aeps eKYC, which requires the agent to be present for a live photo or fingerprint scan.
• Inactive Accounts: If the agent is inactive for three continuous months, a fresh Aeps KYC is mandatory.
• Eligibility: Agents must be Indian citizens, usually over 18 years of age. 

Noble web studio is the top AEPS service providers in India (2026), these documents are mandatory for verification and secure transactions. 

Top Use Cases of AEPS Onboarding

Aadhaar Enabled Payment System onboarding transforms local retail shops into “mini-banks,” offering crucial financial services to underbanked, rural, and elderly populations using only Aadhaar-based biometric authentication. 

Here are the top use cases of AEPS onboarding:

1. Cash Withdrawal & Deposit (Micro-ATM Services) 

This is the most common use case. Retailers and Business Correspondents (BCs) use an AEPS-enabled device to allow customers to withdraw or deposit cash directly from their Aadhaar-linked bank accounts. 

• Impact: Eliminates the need for physical debit cards, PINs, or traveling long distances to a bank branch.
• Limit: Typically allowed up to ₹10,000 per transaction, depending on bank policies. 

2. Direct Benefit Transfer (DBT) Distribution

Government agencies utilize AEPS to disburse welfare payments, subsidies, and pensions (such as NREGA wages) directly into beneficiaries’ bank accounts. 

• Impact: Ensures funds reach the intended recipient without middleman interference. 

3. Balance Inquiry & Mini Statement

Customers can instantly check their available bank balance and retrieve a summary of their last few transactions using their fingerprint or iris scan. 

4. Aadhaar-to-Aadhaar Fund Transfer

AEPS allows for secure, real-time money transfers between two different bank accounts, provided both are linked to Aadhaar numbers. 

• Impact: Simplifies remittances in rural areas without needing to know the beneficiary’s account number or IFSC code. 

5. BHIM Aadhaar Pay (Merchant Payments)

This use case enables small merchants to accept digital payments from customers using their Aadhaar number and biometrics. 

• Impact: Enables cashless, PIN-less, and cardless transactions for small businesses, often with higher transaction limits than standard cash withdrawals. 

6. eKYC Services

AEPS is used for paperless Electronic Know Your Customer (eKYC) verification, which allows for instant customer verification for opening new bank accounts, obtaining SIM cards, or accessing other financial services. 

7. Loan Repayments & Collections

Microfinance institutions and insurance agents use AEPS to collect loan repayments or premium payments at the customer’s doorstep. 

What services are included in AEPS onboarding?

Aadhaar Enabled Payment System onboarding is a process designed for retailers, agents, and fintech companies to become authorized “Business Correspondents” (BCs) or “Banking Points,” allowing them to offer basic banking services to customers using Aadhaar authentication. 

The onboarding process generally includes the following services, features, and technical support:

1. Core AEPS Services

Once onboarded, agents can offer the following to customers:

• Cash Withdrawal: Customers can withdraw cash from their Aadhaar-linked bank account using fingerprint/iris scan.
• Balance Enquiry: Real-time checking of the available bank account balance.
• Mini Statement: Generating a summary of recent transactions.
• Cash Deposit: Depositing cash into an Aadhaar-linked account (supported by some, but not all).
• Aadhaar-to-Aadhaar Fund Transfer: Transferring money between two Aadhaar-linked accounts without needing account numbers or IFSC codes. 

2. Digital & Technical Onboarding Support

AEPS setup providers like Noble Web Studio provide:

• KYC and Registration: Digital KYC (Know Your Customer) verification using Aadhaar, PAN card, and bank details, often involving Aeps video KYC for quick activation.
• Software/Application Access: Access to a secure web portal or Aeps Android application to process transactions.
• API Integration: Provision of secure Aeps API for businesses to integrate AEPS services into their own existing Aeps applications.
• RD Service Installation: Support for installing “Registered Device” (RD) services to ensure secure biometric data capture.
• White Label Solution: Option for customized, branded portals for larger distributors or corporate clients. 

3. Training and Support

• Operator Training: Guidance on how to perform transactions, handle biometric devices, and manage customer services.
• Technical Support: 24/7 assistance for troubleshooting glitches, failed transactions, or device issues.
• Compliance Training: Training on RBI and NPCI guidelines to ensure legal operations. 

4. Financial & Administrative Services

• Commission Structure: Aeps Setup of a tiered commission system, allowing agents to earn money on every transaction.
• Instant Settlement: Facilitating T+0 or T+1 settlements, allowing agents to transfer earned money directly to their bank accounts.
• Admin Dashboard: Tools to manage a network of sub-agents, track commissions, and monitor transaction success rates in real-time. 

Requirements for Onboarding

To initiate onboarding, agents typically need:

• Documents: PAN Card, Aadhaar Card, Bank account details (cancelled cheque), and a photo.
• Hardware: A UIDAI-certified Aeps biometric device (fingerprint or iris scanner).
• Infrastructure: A smartphone or computer with a stable internet connection. 

Note: Effective January 2026, the RBI has implemented stricter KYC requirements for agents, including “one-operator-one-bank” linking and mandatory re-KYC for agents inactive for three months. 

Key Aspects of AEPS Onboarding

AEPS onboarding enables secure, cardless banking (withdrawals, deposits, balance inquiries) via biometric authentication for agents and merchants. Key aspects include mandatory Aeps KYC verification, connecting an Aadhaar-linked bank account, utilizing certified Aeps biometric devices (fingerprint/iris), and ensuring interoperability across banks for financial inclusion. 

Key Aspects of AEPS Onboarding

• Mandatory KYC Documentation: Agents must submit valid documentation, including PAN card, Aadhaar card (linked to mobile), bank account details (cancelled cheque/passbook), and a recent photo.
• Bank Account Linking: The agent’s bank account must be actively linked with their Aadhaar for secure settlement.
• Biometric Device Registration: A certified Aeps biometric device (fingerprint or iris scanner) must be registered for secure, Aadhaar-based authentication.
• Onboarding/Registration Process: Registration with an authorized best AEPS service provider (like Noble Web Studio) for setting up the Aeps portal or app.
• Technical Requirements: A smartphone or PC with an internet connection and compatible Aeps b2b software to run the AEPS application.
• Agent Eligibility: Must be at least 18 years old, possess basic computer knowledge, and have a physical shop or kiosk for conducting transactions.
• Security Compliance: Adherence to RBI guidelines, including secure handling of customer data and using only authorized,, encrypted devices. 

Why AEPS Onboarding is Important for Retailers & Businesses

AEPS (Aadhaar Enabled Payment System) onboarding is crucial for retailers and businesses in India as it transforms local shops into “mini-banks,” enabling them to provide essential banking services to the unbanked and underbanked population. By leveraging customer Aadhaar numbers and biometric authentication (fingerprint/iris), businesses can facilitate secure, cardless, and PIN-less transactions, such as cash withdrawals, deposits, and balance inquiries, thereby driving financial inclusion while generating new, consistent revenue streams through commissions. 

Key Reasons Why AEPS Onboarding is Important:

• New Revenue Stream & High Earnings: Retailers earn commissions on every transaction (cash withdrawals, balance inquiries, etc.), often ranging from ₹2 to ₹15+ per transaction, leading to a substantial increase in daily income.
• Increased Customer Footfall: Offering banking services attracts more customers to the retail store, which can boost sales of primary products by up to 20%.
• Enhanced Customer Loyalty: Providing convenient, local financial services builds trust and encourages repeat business, particularly in rural and semi-urban areas with limited ATM access.
• Low Investment, High Return: The Aeps setup requires minimal infrastructure a smartphone or PC, an internet connection, and a STQC-certified Aeps biometric device.
• Financial Inclusion & Rural Reach: It acts as a bridge for the underbanked population, allowing them to access banking services without traveling to distant bank branches.
• Secure & Compliant Transactions: Professional AEPS platforms are NPCI-compliant and use Aadhaar-based authentication (fingerprint/iris), reducing fraud risks and ensuring safety.
• Diversified Service Offerings: Retailers can offer additional services like money transfers (DMT), utility bill payments (BBPS), and DTH recharges, transforming their shop into a one-stop financial hub.
• Instant Settlement: Aeps india offer real-time or same-day (T+0/T+1) settlement, ensuring that working capital is never blocked.
• Regulatory Compliance (2026 Rules): With new RBI rules effective January 1, 2026, proper onboarding (KYC) is mandatory for operators to prevent fraud, requiring strict “One-Operator-One-Bank” linking and mandatory re-KYC for inactive agents. 

For businesses and fintechs, Aeps onboarding with a Noble web studio offers white label Aeps options and Aeps API integrate that allow them to scale their operations quickly. 

Importance of Choosing the Best AEPS Onboarding Company

Noble web studio is the best Aadhaar Enabled Payment System onboarding company is critical for anyone looking to build a stable, secure, and profitable digital banking business in India. A top-tier AEPS provider Noble web studio serves as a technology facilitator that ensures high transaction success rates, regulatory compliance with NPCI/RBI, and reliable, fast settlements. 

Here is a detailed breakdown of the importance of selecting the right AEPS service provider:

1. Security and Regulatory Compliance

• Preventing Fraud: Noble web studio adheres to strict RBI/NPCI guidelines, utilizing end-to-end encryption and secure biometric authentication to minimize the risk of fraud.
• Safe Onboarding: They ensure strict Know Your Customer (KYC) processes, which is mandatory under 2026 RBI norms to prevent “ghost” accounts and unauthorized access.
• Data Protection: They use secure, UIDAI-certified biometric devices and do not store sensitive biometric data. 

2. Operational Reliability and Performance

• High Success Rates: Noble web studio ensure a 98%+ transaction success rate, which is vital for building customer trust and reducing failed transactions that lead to business loss.
• Reduced Downtime: Noble web studio maintain high uptime, ensuring that services are available 24/7, which is crucial in rural areas where the agent might be the only access point to banking.
• Fast Transactions: They provide quick, 30-second transaction processing speeds, improving user experience. 

3. Financial Profitability and Cash Flow

• Competitive Commission Structure: Noble web studio offer high, transparent commission rates (e.g., up to ₹13–₹15 per transaction) for cash withdrawals, balance inquiries, and mini-statements.
• Instant/Same-Day Settlement: Noble web studio offers T+0 (instant) or T+1 (same-day) settlements, ensuring that your working capital is never blocked and you have enough cash for daily operations.
• No Hidden Fees: They maintain transparency regarding charges, preventing unexpected costs that can reduce margins. 

4. Technical Support and Usability

• User-Friendly Platform: An intuitive app or Aeps b2b portal makes it easy for agents to manage transactions and check reports without requiring a high technical background.
• 24/7 Support: Quick issue resolution via phone, WhatsApp, or email is crucial to avoid service disruptions.
• Easy Integration: They provide well-documented Aeps API services for businesses that want to integrate AEPS into their existing Aeps apps. 

5. Business Growth and Scalability 

• Value-Added Services: Noble web studio bundle AEPS with other services like Domestic Money Transfer service (DMT), BBPS (bill payments), mobile/DTH recharges, and PAN card services, turning your shop into a one-stop-shop and maximizing income.
• Support for Expansion: Noble web studio offer white label Aeps software models and distributor opportunities to help you scale your business and manage a network of agents.
• Marketing Support: Noble web studio provide marketing materials like posters to help attract more customers. 

AEPS Onboarding for Rural and Semi-Urban Business Growth

AEPS (Aadhaar Enabled Payment System) onboarding acts as a crucial driver for business growth in rural and semi-urban India, turning local kirana stores, CSC centers, and small retail outlets into mini-bank branches. By leveraging Aadhaar-based biometric authentication, this, it allows retailers to provide essential banking services like cash withdrawals, deposits, and balance inquiries to customers without needing physical cards or PINs. 

Key Benefits for Business Growth

• Increased Footfall and Revenue: Offering banking services increases customer traffic, often resulting in higher sales for the retail business.
• Commission-Based Income: Agents earn Aeps commissions on every successful transaction, providing a steady, sustainable income stream, with potential earnings of ₹15,000–₹25,000 per month for high-volume agents.
• Low Setup Cost: The model requires minimal investment a smartphone/computer, an internet connection, and a STQC-certified biometric device (fingerprint scanner).
• Financial Inclusion: It serves underbanked populations, fostering trust and loyalty within the community. 

Onboarding and Registration Process

To start an AEPS business, retailers need to follow a structured onboarding process: 

1. Select a Trusted Provider: Noble web studio one of the reputable AEPS service provider or banking correspondent (BC) (e.g., Noble web studio).
2. Document Submission & KYC: Submit necessary documents for verification, including Aadhaar Card, PAN Card, active bank account details (cancelled cheque), and a passport-sized photograph.
3. Mandatory Compliance (2026 Rules): Due to new RBI rules effective January 1, 2026, agents must undergo stricter KYC. Inactive agents (3 months) must re-verify.
4. Hardware Setup: Purchase and register a UIDAI-certified Aeps biometric device (fingerprint or iris scanner) with the Noble web studio.
5. Training and Activation: Complete training on transaction processes and compliance, after which the Aeps agent ID is activated for operations. 

Features AEPS Onboarding

AEPS (Aadhaar Enabled Payment System) Onboarding refers to the registration and verification process that agents, retailers, or Business Correspondents (BCs) undergo to start offering banking services. It is Aeps designed to be a secure, digital process allowing local shops to turn into “mini-banks”. 

Key features of AEPS Onboarding include:

• Digital KYC (e-KYC): A paperless, instant, and secure process to verify the identity of the agent using Aadhaar-linked OTP or biometric (fingerprint/iris) authentication.
• Video KYC: Noble web studio now offer video-based, real-time, and geo-tagged verification for remote agent onboarding, as mandated by modern regulatory standards.
• Document Submission: Mandatory submission of Aeps KYC documents, including a PAN Card, Aadhaar Card, active bank account proof (cancelled cheque/passbook), and a recent photo.
• Biometric Device Registration: Agents must register a STQC-certified biometric device (fingerprint or iris scanner) with the Noble web studio to ensure secure, liveness-detected authentication.
• Bank/NPCI Approval: Noble web studio facilitates approval from the sponsor bank and the National Payments Corporation of India (NPCI) for the agent to access the AEPS network.
• Same-Day/Fast Activation: Noble web studio offer same-day onboarding, allowing agents to start offering services within 24-48 hours of submitting their application.
• Compliance with New 2026 Rules: Includes strict adherence to RBI guidelines, such as the “one-operator-one-bank” rule and mandatory re-KYC for agents inactive for three consecutive months.
• Agent Management Portal: Access to a dashboard to track transactions, monitor commissions, and manage customer service. 

Benefits AEPS Onboarding

Onboarding onto the Aadhaar Enabled Payment System (AEPS) offers significant benefits for both business agents (retailers, CSPs, Kirana stores) and users by bringing, secure, cardless, and PIN-less banking to the doorstep, particularly in rural and underbanked areas. 

Here are the key benefits of AEPS onboarding:

For Agents, Retailers, and Businesses

• New Revenue Stream: Earn attractive commissions on every transaction, including cash withdrawals, balance inquiries, and mini-statements.
• Increased Customer Footfall: Offering essential banking services (like mini-ATMs) attracts more customers, potentially increasing sales of primary products.
• Low-Investment Opportunity: Requires minimal Aeps setup, typically just a smartphone or computer, an internet connection, and a compliant, STQC-certified Aeps biometric device.
• Service Diversification: Allows businesses to bundle AEPS with other services such as bill payments (BBPS), money transfers (DMT), and mobile recharges.
• Daily Settlement: Noble web studio offer fast or instant, daily settlement of funds (T+1 or T+0).
• Enhanced Customer Loyalty: Provides a trusted, reliable Aeps service that builds reputation within the local community. 

For Customers and Users

• Convenience and Accessibility: Allows users to perform banking transactions at local shops, eliminating the need to travel long distances to bank branches or ATMs.
• Cardless and PIN-less: Eliminates the need for physical debit/credit cards or remembering PINs; only Aadhaar number and biometrics (fingerprint/iris) are required.
• High Security: Biometric authentication provides superior security, significantly reducing risks associated with fraudulent card usage or PIN theft.
• Direct Government Benefits (DBT): Facilitates direct, transparent, and immediate receipt of government subsidies, pensions, and NREGA wages.
• Interoperability: Customers can use any bank account at any AEPS-enabled agent point, regardless of their home bank. 

Key Benifits of the Onboarding Process

• Secure KYC: Rigorous, mandated KYC for agents ensures a safe, legal, and compliant business environment.
• Easy Setup: Simple registration with a licensed Noble Web Studio and activation within 2-5 business days.
• Real-time Processing: Transactions are processed instantly through the NPCI (National Payments Corporation of India) network. 

By becoming an authorized AEPS agent, you become a “mini-bank,” helping to foster financial inclusion in India while creating a sustainable, long-term income opportunity. 

AEPS Onboarding Process Step by Step

Onboarding Aadhaar Enabled Payment System (AEPS) as an agent or retailer involves a structured process to ensure compliance with RBI and NPCI regulations, particularly with stricter guidelines effective from January 1, 2026. 

Here is the step-by-step AEPS onboarding process:

1. Prerequisites Checklist

Before initiating onboarding, ensure you have the following:

• Documents: PAN Card, Aadhaar Card (linked to a mobile number), Bank Account details (passbook/cancelled cheque), and passport-sized photographs.
• Hardware: An Android smartphone or PC with internet connectivity.
• Biometric Device: A UIDAI/STQC-certified fingerprint scanner or iris scanner (e.g., Morpho, Mantra, Secugen).
• Business Setup: A physical shop or office, as this is required for verification. 

2. Choose a Service Provider (BC/Aggregator) 

You cannot directly connect to the NPCI system. You must partner with a registered Noble web studio. 

• Examples: Noble web studio NPCI-certified aggregators. 

3. Registration and KYC (Know Your Customer) 

• Submit Application: Fill out the Noble web studio provide registration form online or through their app.
• KYC Verification: Submit digital copies of your Aadhaar, PAN, and bank proof.
• Agent Verification: Per 2026 regulations, banks must perform thorough background checks (due diligence) on operators before activation.
• Video/Physical KYC: Noble web studio require a video call or physical visit to your business location to verify your identity and shop existence. 

4. Technical Setup and Integration

• Install App: Download the AEPS agent application provided by Noble web studio.
• Install RD Service: Install the Registered Device (RD) service driver for your biometric scanner to ensure secure, encrypted data capture.
• Hardware Mapping: Connect Aeps biometric device to the app and register it with the Noble web studio. 

5. Training

• Platform Training: Attend training sessions (usually online/videos) provided by the aggregator on how to use the portal, process transactions, and handle failed transactions.
• Compliance Training: Learn about RBI regulations, such as the “one operator, one bank” rule and mandatory re-KYC for inactive accounts. 

6. Activation

• Approval: Once verification and training are complete, your account is approved and activated.
• Agent ID: You will receive a unique Aeps Agent ID and credentials to log in. 

7. Start Operations

• Cash Management: Ensure you have enough cash available to fulfill customer withdrawal demands.
• Perform Transactions: You can now provide services like cash withdrawal, balance inquiry, mini-statements, and Aadhaar-to-Aadhaar fund transfers. 

2026 Regulatory Changes to Note

• Re-KYC: If an agent is inactive for 3 consecutive months, a fresh KYC is required to resume services.
• One Operator, One Bank: To prevent fraud, an agent is allowed to work with only one acquiring bank.
• Continuous Monitoring: Banks will monitor agent activity based on location and transaction volume. 

AEPS Commission Structure for Retailers

AEPS Aadhaar Enabled Payment System commission for retailers typically ranges from ₹2 to ₹15+ per transaction, depending on the transaction value and Noble web studio. Higher, tiered commissions are earned on cash withdrawals often ₹2 for ₹100-₹999 and ₹10–₹15+ for amounts over ₹3,000. Other services like mini-statements or balance inquiries offer smaller, fixed fees. 

Standard AEPS Cash Withdrawal Commission Structure

Retailers generally earn based on a slab system, where higher, more consistent earnings are generated through higher-value transactions: 

• ₹100 – ₹499: ~₹0.25 – ₹1
• ₹500 – ₹999: ~₹1.5 – ₹2
• ₹1,000 – ₹1,499: ~₹2 – ₹3
• ₹1,500 – ₹1,999: ~₹3 – ₹4.5
• ₹2,000 – ₹2,499: ~₹4 – ₹5.5
• ₹2,500 – ₹2,999: ~₹6 – ₹10
• ₹3,000 – ₹10,000: ~₹7 – ₹13+ (highest payout range) 

Key Components of Retailer Income

• Cash Withdrawal: The primary, most profitable service. Noble Web Studio offer high Aeps commissions of ₹13+ for high-value transactions.
• Balance Inquiry: Generally offers a smaller, fixed commission, typically around ₹1 to ₹5 per transaction.
• Mini Statement: Yields approximately ₹3 to ₹7 per transaction.
• Aadhaar Pay: Used for higher, card-like transactions (above ₹10,000), allowing for a small percentage fee (around 1%). 

Factors Influencing Earnings

• Transaction Volume: Higher transaction amounts (especially in the ₹3,000+ range) generate the highest commission.
• Service Provider: Noble web studio provide Aeps portals have varied best rates.
• Payout Speed: Noble web studio offer immediate (T+0) or next-day (T+1) settlement for commissions. 

Aadhaar and KYC Requirements for AEPS Activation

AEPS activation requires linking a valid 12-digit Aadhaar number to an active bank account and completing KYC verification with a PAN card, photo, and mobile number. Agents need a Aeps biometric device (fingerprint/iris scanner) for authentication. Customers only need their Aadhaar number, bank name, and biometrics to transact. 

Key Requirements for AEPS Activation

• Aadhaar Linking: The customer’s bank account must be linked with their Aadhaar number.
• KYC Documents: Submission of PAN card, Aadhaar card, and bank account details (cancelled cheque/passbook) is mandatory for agent registration.
• Biometric Device: A compatible fingerprint or iris scanner is required for capturing biometric details during authentication.
• Mobile Number: A functional mobile number linked to the Aadhaar card is necessary for OTPs and notifications.
• Age Requirement: Agents must be 18 years or older. 

Activation & Transaction Process

1. Agent Registration: Register with an authorized Noble web studio, providing Aeps KYC document and setting up a biometric device.
2. Customer Transaction: Customers visit a business correspondent, provide their bank name and Aadhaar number, and authenticate using biometrics.
3. Authentication: The system verifies the biometric data (fingerprint or iris) against Aadhaar data.
4. Transaction: Once authenticated, services like cash withdrawal, balance inquiry, and mini-statements can be performed. 

Linking Aadhaar to Bank Account

Aadhaar can be linked to a bank account through: 

• Bank Branch: Submitting an Aadhaar linking form.
• ATM: Using the “Registrations” option in Micro ATM services.
• Net Banking/Mobile App: Updating Aadhaar details in the profile section. 

Key Security Measures in AEPS Onboarding

Key security measures in Aadhaar Enabled Payment System (AEPS) onboarding, particularly with new RBI regulations effective January 1, 2026, focus on stringent, multi-layered verification to prevent fraud and secure user data. These measures are designed to ensure that only authorized, verified, and active agents (often called AePS Touchpoint Operators or ATOs) operate within the network. 

Key Security Measures in AEPS Onboarding

• Mandatory Comprehensive Agent KYC (Know Your Customer): Banks must conduct rigorous KYC and due diligence on all AEPS Touchpoint Operators (ATOs) before onboarding, following the Master Direction on KYC.
• “One Operator, One Bank” Policy: To improve accountability, each AEPS operator is restricted to working with only one acquiring bank.
• Mandatory Re-KYC for Inactivity: Agents inactive for three consecutive months must undergo a fresh, mandatory KYC process before resuming services.
• Use of STQC-Certified Devices (L1 Devices): Only UIDAI/STQC-certified biometric devices (fingerprint or iris scanners) with active Registered Device (RD) services are allowed. The industry is migrating to secure Level 1 (L1) devices to prevent spoofing, replacing older L0 devices.
• Real-time Risk-Based Monitoring: Acquiring banks must continuously monitor the activity of operators, including analyzing transaction volumes, velocity, and location to detect anomalies.
• API-Level Integrity: Security measures dictate that Aeps API used for AEPS must be secured, auditable, and used exclusively for core AEPS functions.
• No Data Storage Policy: Raw biometric data (fingerprints/iris) is never stored locally on micro-ATMs or agent devices, and is used only for one-time authentication with the UIDAI database.
• Geo-tagging and Location Monitoring: Agent devices are geo-tagged to ensure transactions are consistent with the operator’s registered location. 

Additional Security Layers

• Two-Factor Authentication (2FA): Proposals include adding a second layer of verification, such as an OTP for high-value transactions, to complement biometric authentication.
• Locking Biometrics: Users can secure their own accounts by locking their biometric data via the UIDAI website or mAadhaar app when not in use. 

These measures aim to combat fraud, such as cloned fingerprints and unauthorized access, by enhancing the security of the entire AEPS ecosystem. 

AEPS Compliance Requirements During AEPS Onboarding

AEPS (Aadhaar Enabled Payment System) onboarding requires strict compliance with RBI and NPCI guidelines to ensure secure financial transactions. Key requirements include mandatory KYC verification (Aadhaar, PAN, bank account), biometric authentication, mobile linking, mandatory 3-month activity checks, and the “one-operator-one-bank” rule. Retailers must also use certified L1 Aeps biometric devices and complete a formal registration process with a certified Noble web studio. 

Key Compliance Requirements for AEPS Onboarding (As of 2026):

• Mandatory KYC & Documentation: Agents must provide a PAN card, Aadhaar card, and a bank account (with a cancelled cheque or passbook) for verification.
• Biometric Verification: Real-time, enhanced biometric (fingerprint or face) authentication is mandatory to prevent fraudulent onboarding.
• Active Linking: The mobile number used must be linked to both the Aadhaar card and the bank account.
• Device Compliance: Only certified L1 Aeps biometric devices are allowed to be used for customer authentication.
• Inactivity Rule: If an agent is inactive for 3 months, they must undergo a fresh KYC process before resuming services.
• One-Operator-One-Bank Rule: Regulations have tightened, enforcing this rule to curb fraud.
• Background Verification: As part of due diligence, operators must meet age requirements (18+) and have basic knowledge of online banking.
• Ongoing Monitoring: Banks are required to implement risk-based monitoring systems for all agent activities. 

Failure to comply with these guidelines can lead to immediate termination of the AEPS services. 

RBI Guidelines for AEPS Onboarding in India

Effective January 1, 2026, the RBI mandates strict due diligence for onboarding AePS Touchpoint Operators (ATOs), including mandatory KYC,, proactive fraud monitoring, and re-verification for agents inactive for three months. Banks must conduct thorough background checks, enforce a “one-operator-one-bank” rule, and monitor transaction patterns to enhance security. 

Key RBI Guidelines for AePS Onboarding (Effective Jan 1, 2026)

• Thorough Due Diligence: Acquiring banks must conduct strict KYC, including Aadhaar, PAN, and business documentation, for all ATOs before onboarding, similar to individual customer standards.
• Inactive Agent Re-verification: If an ATO does not conduct any transaction for three consecutive months, the bank must perform a fresh KYC check before re-enabling them to transact.
• Ongoing Monitoring: Banks must implement risk-based, continuous monitoring of ATOs, including geographical and transaction volume checks.
• One-Operator-One-Bank: To reduce risk, operators are generally restricted from working with multiple banks simultaneously.
• Security Controls: Banks must implement secure Aeps API integration and ensure that best Aeps API usage is strictly limited to authorized AePS transactions.
• Fraud Risk Management: The guidelines require integrating ATO monitoring with the bank’s existing Enterprise Fraud Risk Management System (EFRMS). 

These measures aim to curb fraudulent activities in the Aadhaar Enabled Payment System. 

How AEPS Onboarding Helps Scale Your Digital Payment Business

Onboarding for the Aadhaar Enabled Payment System (AEPS) is a strategic move for digital payment businesses, enabling them to expand, increase revenue, and tap into underserved, rural markets by turning local retail points into mini-banks. AEPS uses Aadhaar-based biometric authentication (fingerprint or iris scan) to perform transactions without physical cards or PINs, making it a highly accessible and secure, user-friendly, and cost-effective method for boosting digital transactions in India. 

Here is how AEPS onboarding helps scale your digital payment business:

1. New and Consistent Revenue Streams 

• Transaction Commissions: Businesses earn a commission for every successful transaction, such as cash withdrawals, deposits, and balance inquiries.
• Tiered Earnings: Retailers can earn up to ₹13-₹15 or more per transaction, with higher commissions for higher value withdrawals (e.g., ₹3,000+).
• Daily Income: Due to high demand in rural areas, this creates a consistent, high-volume, daily revenue stream. 

2. Expanded Customer Base and Increased Footfall 

• “Micro-ATM” Effect: By providing essential banking services, shops become local, trusted financial hubs, attracting customers who might not otherwise visit.
• Cross-Selling Opportunities: Increased foot traffic leads to more opportunities to sell other products (e.g., groceries, mobile recharges).
• Reaching the Unbanked: AEPS allows your business to cater to rural populations with limited banking access, tapping into a large, underserved market. 

3. Low-Investment, Scalable Model

• Minimal Setup Cost: The setup requires only a smartphone, an internet connection, and a UIDAI-certified biometric device (fingerprint scanner).
• Scalability: Noble web studio offer scalable Aeps platforms that can handle increasing transaction volumes as your business grows.
• White-Label Solutions: Businesses can launch their own branded AEPS portal or application, allowing them to manage their own network of agents and distributors, facilitating rapid, branded expansion. 

4. Enhanced Security and Trust 

• Biometric Security: Transactions are authorized via unique fingerprints or iris scans, which is highly resistant to fraud and eliminates the need for card PINs.
• NPCI-Backed Trust: Because the system is managed by the National Payments Corporation of India (NPCI), it inherently provides a high level of security and legitimacy.
• Instant Settlement: Noble web studio offer real-time or same-day settlements, which helps with cash flow management. 

5. Increased Service Offering (One-Stop Shop) 

• Integrated Services: Modern AEPS platforms allow for the integration of other services, such as Mobile/DTH recharges, Bharat Bill Payment System (BBPS), and money transfers, transforming your business into a comprehensive service point.
• Direct Benefit Transfer (DBT): It supports the government’s efforts to disburse subsidies directly into user accounts, increasing the demand for your services. 

Key Considerations for Onboarding:
To maximize the benefits, you should partner with a Noble web studio that is compliant with RBI and NPCI regulations, offering high transaction success rates (98%+) and 24/7 customer support. The 2026 regulations require strict, recurring Aeps KYC for agents, making the choice of a Noble web studio crucial for legal operation. 

AEPS Onboarding Support and Training Provided

Comprehensive AePS (Aadhaar Enabled Payment System) onboarding support and training are provided by Noble web studio to enable retail agents to offer banking services. Noble web studio ensure that agents are equipped with the necessary technology, knowledge, and regulatory compliance to conduct safe, Aadhaar-based transactions like cash withdrawals, balance inquiries, and fund transfers. 

Onboarding Support Provided

• Digital & Streamlined KYC: Noble web studio offer a rapid digital onboarding process (often in 1–3 days) requiring Aadhaar, PAN, bank account details (cancelled cheque), and a photo, using eKYC or video KYC.
• Hardware Setup: Assistance is provided to procure and install UIDAI-certified, STQC-compliant biometric devices (e.g., Mantra, Morpho) and register them with the system.
• Software/Application Integration: Provision of user-friendly Aeps B2B apps, web portals, or fast Aeps API that turn smartphones or computers into Mini-ATMs.
• Documentation & Legal Compliance: Guidance to ensure compliance with NPCI and RBI guidelines, including the mandatory “One Agent, One Bank” rule to prevent fraud. 

Training Provided

• Transaction Processing: Step-by-step training on performing various services, including cash withdrawals, cash deposits, and mini-statements.
• Biometric Device Handling: Instructions on properly cleaning and using fingerprint or iris scanners for secure authentication.
• Platform Usage: Training on using the agent Aeps dashboard or best Aeps portal for transaction tracking, commission management, and settlement.
• Regulatory Compliance: Education on RBI and NPCI rules to ensure legal operation.
• Customer Service Training: Tips on handling customers, building trust, and marketing services in the local area. 

Ongoing Support

• 24/7 Technical Assistance: Round-the-clock help (via phone, chat, or email) to resolve transaction failures or technical glitches.
• Marketing Support: Provision of promotional materials (posters, banners) to help agents attract customers.
• Real-time Settlement: Support for fast or instant settlement of funds into the agent’s bank account. 

New 2026 Rules (Effective Jan 1, 2026)
With stricter RBI regulations taking effect in January 2026, onboarding now includes: 

• Enhanced Due Diligence: Rigorous background checks on agents.
• Regular Re-KYC: Mandatory, regular updates to agent KYC records.
• Inactivity Re-verification: Agents inactive for 3 consecutive months must undergo fresh KYC checks before resuming service. 

Top Aeps ID Provider

Top AePS ID providers in India include Noble web studio enabling secure, 24/7 banking services like cash withdrawals, balance inquiries, and mini-statements. These b2b Aeps platforms, often used by retail outlets, offer high commissions and instant settlements. 

How to Get an AePS ID

To get AePS ID, choose a only one registered Noble web studio, complete online registration, submit KYC documents (PAN, Aadhaar, Bank details), and purchase a UIDAI-certified biometric device. After verification, your ID will be activated, allowing you to start transactions. 

Steps to Get an AePS ID

1. Select a Service Provider: Choose an authorized Noble web studio.
2. Registration: Fill out the agent registration form on the Noble web studio website.
3. KYC Documentation: Submit required documents:
   • Aadhaar Card
   • PAN Card
   • Bank Account Details (passbook/cancelled cheque)
   • Passport-sized photograph
   • Address Proof
4. Verification: Complete the agent verification process, which usually involves a Aeps video KYC or document verification by the Noble web studio.
5. Purchase/Register Biometric Device: Purchase Aeps biometric device (fingerprint or iris scanner) compatible with the Aeps application.
6. Activation: Once documents are verified, the Noble web studio will activate Aeps Agent ID, allowing you to begin transactions. 
7. Login & Start: Once approved, you will receive your credentials to log in to the Aeps b2b portal and start conducting transactions. 
8. Training: Complete any required training on using the portal or app for services like cash withdrawal, balance inquiry, and mini-statements. 

Requirements for AePS Agent

• Active Bank Account: Linked with Aadhaar.
• Device: A smartphone, tablet, or laptop/desktop.
• Biometric Scanner: Fingerprint device (e.g., Morpho, Mantra).
• Space: A small shop is preferred, but not strictly necessary for some mobile-based solutions.
• Fees: A minimal Aeps registration fee (often ₹500–₹1,000) may apply for activation and training. 

Why AEPS KYC Verification Is Mandatory

AEPS KYC verification is mandatory to prevent fraud, ensure secure, authorized transactions, and comply with RBI regulations aimed at stopping money laundering. Effective January 1, 2026, strict KYC for agents and customers combats identity theft and unauthorized withdrawals. It verifies user identity via UIDAI data, providing a secure paperless, and reliable financial service in remote areas. 

• Combating Fraud and Identity Theft: Due to rising frauds involving cloned biometrics, mandatory KYC and 2FA (Two-Factor Authentication) are crucial for validating the user’s identity.
• RBI Regulatory Compliance: The RBI requires financial institutions to adhere to strict KYC norms for all banking services to prevent money laundering and ensure financial integrity.
• Stricter Agent Onboarding: From January 1, 2026, banks must perform rigorous KYC for AEPS touchpoint operators (ATOs) to reduce risks, including “one-operator-one-bank” rules.
• Secure & Accurate Transactions: Using Aadhaar e-KYC, the system ensures that biometrics match the UIDAI database, reducing unauthorized access.
• Re-KYC for Inactivity: If an operator is inactive for three continuous months, mandatory re-verification is required to maintain security. 

These mandatory measures bolster trust in the digital payment system, particularly for rural banking users. 

AEPS KYC Verification for Agents and Retailers

AEPS KYC for agents/retailers requires submitting Aadhaar, PAN, bank details, and photos to a certified Noble web studio for activation, usually taking 24-48 hours. Agents must use a Aeps biometric device (fingerprint/iris scanner) for secure customer authentication to offer services like cash withdrawal, balance inquiry, and mini-statements. 

Key Requirements for Agent/Retailer KYC

• Documents: Aadhaar Card (linked to a mobile number and bank account), PAN Card, active bank account details (passbook/cancelled cheque), and passport-sized photo.
• Hardware: A UIDAI-certified Aeps biometric device (fingerprint or iris scanner).
• Setup: Smartphone or computer with internet, and registration with an authorized Noble web studio. 

Steps for AEPS Agent Registration & Activation

1. Register with a Provider: Choose a government-approved Noble web studio and fill out the online application form.
2. Submit KYC Documents: Upload or submit mandatory documents, including PAN and Aadhaar.
3. Biometric Verification: Complete the e-KYC process using your biometric device for instant authentication.
4. Verification & Approval: The company reviews documents, with approval typically within 24-48 hours, providing access credentials.
5. Activation: Once activated, agents can begin offering banking services to customers. 

Commonly Used Devices & Services

• Devices: Mantra, Morpho, or Startek fingerprint scanners.
• Services: Cash withdrawal, balance inquiry, Mini statement, and Aadhaar to Aadhaar fund transfer. 

Important Notes

• Ensure the Aadhaar is linked to the bank account before starting the process.
• The service is available to individuals and agents over 18 years old. 

How to Choose Top AEPS Onboarding Company in India

Noble web studio is one of the best AEPS onboarding company in India requires prioritizing NPCI/RBI-certified security, high transaction success rates (>95%), instant settlement options, and competitive commission structures. Evaluate best aeps service provider in india based on 24/7 technical support, user-friendly mobile aeps app/portal interface, multi-bank support, and transparent, low cost Aeps registration fees. 

Key Factors to Evaluate When Choosing an AEPS Provider:

• Security & Compliance: Ensure the Noble web studio is registered with the NPCI (National Payments Corporation of India) and adheres to strict RBI guidelines, including end-to-end encryption for biometric data.
• Transaction Success Rates & Speed: Look for best Aeps platforms with minimal downtime and high success rates (above 95% is considered good) to maintain customer trust.
• Commission Structure: Best Aeps commission rates for cash withdrawals, balance inquiries, and mini-statements. Companies often offer higher commission slabs for higher transaction volumes.
• Settlement Speed: Noble web studio that offer instant or same-day wallet-to-bank settlement (IMPS/NEFT) to keep your working capital active.
• Customer Support & Technology: Reliable 24/7 technical support is critical for handling transaction failures. The aeps app should be user-friendly, supporting Android devices for easy on-field use.
• Additional Services: Aeps platforms that offer bundled services like Micro ATM, Recharge, Bill Payments (BBPS), and PAN card services to maximize revenue.
• Reputation & Reviews: Check online reviews and testimonials to gauge the reliability and experience of existing agents. 
• Technical Support: 24/7, responsive technical support is vital for resolving transaction failures or technical glitches instantly.

Why Noble Web Studio is the Best AEPS Onboarding Company in India

Top AEPS onboarding companies in India, such as Noble Web Studio are considered best due to high (98-99%+) transaction success rates, instant, secure, NPCI-compliant technology, and high commission payouts (up to ₹15+ per transaction). Noble Web Studio offer easy, fast, digital onboarding for retailers, robust 24/7 technical support, and comprehensive best Aeps API integration for, or white-label solutions, facilitating seamless financial services in both rural and urban areas. 

Key Reasons Top AEPS Providers are Leading in India (2026):

• Fast & Seamless Onboarding: Noble Web Studio offer easy, often digital-only, registration for agents, allowing them to start AEPS services almost immediately.
• High Transaction Success & Reliability: Utilizing robust technology, these Noble web studio ensure high uptime and minimal server downtime, which is crucial for building user trust in banking services.
• Best Commission Structure: Noble Web Studio offer competitive commission rates (up to ₹15 per transaction + bonuses), maximizing income for agents.
• Security & Compliance: They are typically NPCI/RBI-certified, providing secure, encrypted systems to prevent fraud.
• Reliable Technology & Support: They offer 24/7, support, and high-uptime platforms with real-time settlement, crucial for smooth daily operations.
• Comprehensive Service Offering: Beyond basic AEPS, they integrate additional services like Aadhaar Pay, micro-ATM, money transfers, and bill payments, creating a one-stop-shop for retailers.
• Real-Time Settlement: They facilitate instant or same-day, secure, and transparent fund settlements into retailer wallets or bank accounts. 
  

Companies like Noble Web Studio are frequently cited for their reliability, high commissions, and comprehensive support in the Indian fintech market. 

Future Trends AEPS Onboarding

Future trends in Aadhaar Enabled Payment System (AEPS) onboarding for 2026 are heavily driven by the Reserve Bank of India’s (RBI) new security mandates, focusing on stricter, paperless, and AI-driven verification to combat rising fraud. Key trends indicate a shift towards mandatory liveness detection, rigorous, ongoing agent due diligence, and the evolution of onboarding into a comprehensive,, risk-based process. 

Here are the key future trends in AEPS Onboarding:

1. Stricter, Risk-Based Regulatory Compliance (Effective Jan 1, 2026) 

• Full KYC for Agents: Acquiring banks must conduct thorough KYC checks for all AEPS Touchpoint Operators (ATOs) using 2016 Master Directions, including Aadhaar and PAN verification.
• Inactivity Re-KYC: Agents inactive for three consecutive months must undergo a fresh, mandatory, full KYC process before resuming service.
• One Operator, One Bank: To prevent fraud, operators are restricted to being linked with only one acquiring bank.
• Background Checks: Stricter due diligence will include verifying the background of agents to ensure they are not involved in fraudulent activities. 

2. Technological Advancements in Verification

• Mandatory Liveness Detection: To prevent spoofing and biometric cloning, new AEPS devices will require liveness detection, which checks if the biometric scan is from a live person rather than a fake replica.
• Multi-Modal Biometrics: Onboarding will move beyond simple fingerprint scans to incorporate iris and facial recognition for higher security and success rates.
• AI-Driven Fraud Detection: AI/ML algorithms will be used to analyze agent behavior and transaction patterns during and after onboarding to assign risk scores and detect anomalies in real-time. 

3. Digital-First & Streamlined Onboarding Experience 

• Video KYC: The use of video, Geo-tagging, and live photos for agent onboarding will become standard for quick, paperless verification.
• API-Driven Integration: Noble web studio are adopting top Aeps API-first, cloud-based platforms to enable faster agent onboarding, device assignment, and immediate service activation.
• Instant eKYC: The use of Aadhaar Paperless Offline eKYC (XML file) is increasing for rapid, secure verification. 

4. Evolving Agent Ecosystem

• Focus on Business Correspondents (BCs): The onboarding process will deeply integrate with existing, established Business Correspondent networks to ensure higher reliability.
• Agent Education: Noble web studio will focus on training agents on security protocols to prevent them from becoming vulnerable to social engineering frauds. 

Key 2026 Regulatory Changes for Onboarding

• 01 Jan 2026: New RBI rules on agent KYC, 3-month inactivity re-KYC, and “one operator-one bank” rule take effect.
• Certification Requirement: All biometric readers must be STQC-certified, with periodic audits. 

These trends are designed to transform the AEPS ecosystem from a high-volume, low-security model to a high-security,, trusted financial framework, particularly in rural India. 

Conclusion

Noble web studio is the best AEPS onboarding company in India is the key to starting and growing a successful AEPS business. Noble web studio helps you complete AEPS registration, KYC verification, Aeps API integrated, and compliance smoothly without delays. With the right support, businesses can start offering secure cash withdrawals, balance enquiries, mini statements, and Aadhaar-based banking services with confidence.

AEPS (Aadhaar Enabled Payment System) onboarding is the mandatory registration process for agents/merchants to offer banking services (withdrawals, deposits, inquiries) using customer biometrics. It involves KYC verification, biometric device setup, and linking bank accounts via an authorized Noble web studio, enabling secure, paperless transactions. 

Noble Web Studio provides a smooth and hassle-free AEPS onboarding process, making it easy for retailers, distributors, and businesses to start AEPS services without complexity. With a focus on security, uptime, and user-friendly systems, Noble Web Studio helps businesses deliver cash withdrawal, deposit, balance enquiry, and Aadhaar-based banking services efficiently.

For businesses looking to grow in India’s digital payment ecosystem, partnering with Noble Web Studio ensures reliable AEPS solutions, transparent processes, and long-term support. If you are searching for a trusted, scalable, and business-friendly AEPS onboarding company in India, Noble Web Studio is the right choice to move forward with confidence.

By choosing Noble Web Studio for AEPS onboarding, businesses can save time, reduce effort, and focus on increasing earnings through Aadhaar-enabled payment services. It is the right choice for anyone looking to build a reliable and profitable AEPS business in India.

If you are looking for a safe, affordable, and reliable AEPS onboarding partner, Noble Web Studio is the right choice. Start your AEPS services today and build a profitable digital banking business with the best AEPS onboarding company in India.

FAQ: Best AEPS Onboarding Company in India – Noble Web Studio