AePS API Service Provider

AEPS API: Charges, Limits, and Operational Realities in India

· Updated · 2 min read

AEPS transactions are governed by NPCI rules and bank-specific policies. If you deploy an AEPS API, train agents on limits and exceptions to reduce declines at the counter.

Per-transaction and monthly limits

Limits may vary by bank and customer segment; always show remaining limits in your agent app.

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AEPS API Charges in India — Complete Breakdown

AEPS (Aadhaar Enabled Payment System) has become one of the most widely used financial services in rural and semi-urban India. Before integrating an AEPS API, it’s important to understand the cost structure, transaction limits, and earning potential.

What Are the Standard AEPS API Charges?

AEPS API pricing varies by provider and volume of transactions. NxtBanking offers one of the most competitive pricing models in India:

  • Cash Withdrawal: ₹0.50 – ₹1.50 per transaction (depending on volume slab)
  • Balance Enquiry: ₹0.10 – ₹0.25 per query
  • Mini Statement: ₹0.15 – ₹0.30 per request
  • Aadhaar Pay: ₹0.40 – ₹1.00 per transaction
  • eKYC via AEPS: ₹1.00 – ₹2.00 per verification

AEPS Transaction Limits in India (RBI Guidelines)

As per NPCI and RBI directives, AEPS transactions are subject to the following limits:

  • Maximum per transaction: ₹10,000 (cash withdrawal)
  • Daily limit per customer: ₹50,000
  • Monthly limit: Varies by bank, typically ₹1,00,000
  • Aadhaar Pay limit: ₹50,000 per transaction
  • Number of transactions per day: Usually 5 per biometric authentication

How Much Can You Earn from AEPS Business?

AEPS resellers and API integrators earn commission on every successful transaction. Here’s a typical earning model:

  • Commission per withdrawal: ₹5 – ₹15 (depending on bank and amount)
  • Daily volume of 300 transactions: Can earn ₹1,500 – ₹4,500/day
  • Monthly income estimate: ₹45,000 – ₹1,35,000

Why Choose NxtBanking AEPS API?

NxtBanking’s AEPS API comes with competitive pricing, real-time transaction processing, 99.9% uptime SLA, and dedicated support. Whether you’re running a CSP center, a fintech app, or a B2B platform, our API fits every use case.

Our API supports multi-bank AEPS, biometric authentication, and Aadhaar-linked payment flows — everything you need to build a reliable AEPS business in India.

Frequently Asked Questions

  • Is there a setup fee for AEPS API? No, NxtBanking offers zero setup fees for API integration.
  • Can I set my own commission margins? Yes, resellers can apply their own markup above our base pricing.
  • Is GST applicable on AEPS charges? Yes, 18% GST applies on the API service fee.
  • What is the settlement cycle? T+0 or T+1 settlement, depending on your agreement.

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