Banking infrastructure. Built to scale.
NxtBanking gives fintech businesses, distributors, and platforms one API stack for AEPS, BBPS, DMT, UPI, payouts, and KYC — NPCI-aligned, bank-grade, and live in production across India.
NxtBanking — API Infrastructure for Indian Fintech engineered in Lucknow, running rails across India.
As featured in
- 18+
- APIs in the marketplace
- 500+
- Fintech clients
- 150+
- Bank integrations
- 12+
- Years founder experience
AEPS, BBPS, DMT, UPI, payouts, KYC and more
Distributors, retailers, and platforms on our rails
Direct and NPCI-routed banking connections
Fintech and API engineering leadership
API marketplace
One integration. Every rail.
Every product below is a live, production API — not a roadmap slide. Pick what your business needs and go live on one integration.
AEPS API
Aadhaar-enabled cash withdrawal, balance enquiry, and mini statement — NPCI-compliant.
Visit → 02BBPS / Bill Connect
20,000+ billers on the Bharat Bill Payment System, one API for every category.
Visit → 03Domestic Money Transfer
IMPS, NEFT, and RTGS-backed DMT with instant verification and payout tracking.
Visit → 04UPI Collection
UPI intent and collect flows with instant settlement for businesses of any size.
Visit → 05Payout API
Bulk payouts across IMPS, NEFT, RTGS, and UPI — built for finance teams that move fast.
Visit → 06KYC Verification
Aadhaar, PAN, video KYC, and penny-drop verification in one compliant API.
Visit →Why industry leaders choose us
Infrastructure built for scale, compliance, and speed.
Everything you need to launch and run a fintech business on one dependable API layer — engineered for high transaction volumes and Indian regulatory reality.
API-First Infrastructure
High-performance, developer-friendly APIs designed for high transaction volume and enterprise scalability.
Faster Integration, Faster Go-Live
Plug-and-play APIs, clear documentation, and minimal development effort so you launch in days, not quarters.
Modular APIs for Every Use Case
Pick only what you need — payouts, collections, verification, or banking — and scale module by module.
NPCI-Aligned by Design
Built with regulatory alignment, audit readiness, and the security standards India's financial ecosystem demands.
Bank-Grade Security
End-to-end encryption, strong authentication, and layered controls on every transaction and API call.
Dedicated Enterprise Support
24/7 support with solution architects and documented SLAs — because a failed transaction cannot wait for business hours.
Real-Time Reconciliation
Live balances, settlement status, and transaction history across every rail — from one dashboard instead of five bank portals.
White-Label Ready
Launch under your own brand with your own pricing and commission structure, on infrastructure your customers never see.
NPCI-aligned rails, bank-grade compliance.
Every API in the NxtBanking marketplace runs on NPCI-aligned infrastructure with bank-grade security and compliance built in — not bolted on. Your product stays audit-ready by default.
NxtBanking (a Laraware Private Limited product) is a software and API infrastructure provider. We build and license technology for our clients — we do not process transactions, settle or hold customer funds, and we are not a bank, payment aggregator, or payment system operator. Regulated activity remains with the licensed entity and its sponsor bank.
See our compliance approach →Built for the rails that matter
AEPS, BBPS, UPI, and NPCI's core payment infrastructure — NxtBanking's APIs are engineered against the same rails banks and NBFCs already trust.
How it works
Go live on NxtBanking in four steps.
Talk to our team
Tell us which rails you need — payouts, AEPS, BBPS, UPI, KYC, or the full stack. We map the right APIs to your use case.
Get API access & docs
Receive sandbox keys and developer documentation. Integrate against the same endpoints that run in production.
Test in sandbox
Validate flows end to end in a safe environment, with our engineers on hand to unblock integration issues.
Launch & scale
Move to live keys and go to market. Monitor usage, settlement, and reconciliation from one dashboard as you scale.
From first call to production traffic — our team stays with you through integration, testing, and launch, not just the sales pitch.
Built by people who run banking rails, not just call them.
NxtBanking is led by Anvesh Tiwari — a computer scientist with 12+ years behind production fintech systems and the mind behind the NxtBanking API stack. From Uttar Pradesh to India's fintech rails.
Read our story →
Founder & CTO
Dr. Anvesh Tiwari
MCA | MTech | PhD (Computer Scientist)
Founder & CTO — building India's fintech API infrastructure from Lucknow, Uttar Pradesh.
Why NxtBanking
Built by people who run banking rails, not just call them.
One integration, every rail.
AEPS, BBPS, DMT, UPI, payouts, and KYC on a single API stack — no juggling five vendors and five contracts.
NPCI-aligned by design.
Compliance and security are engineered into every API from day one, not patched on after an audit finding.
Founder-led fintech expertise.
12+ years of hands-on fintech and API engineering leadership behind every product decision.
Real support, real SLAs.
24/7 technical support and documented SLAs — because a failed AEPS transaction at 11pm cannot wait for business hours.
Trusted by partners
Trusted by fintech businesses building on NxtBanking.
Distributors, retailers, and platforms across India run their fintech operations on our rails.
Talk to our team →Ready to go live on NxtBanking?
Get API access, explore the documentation, or talk to our team about which rails your business needs first.