AEPS API: Charges, Limits, and Operational Realities in India
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.
Commercials
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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.
About This Topic
AEPS (Aadhaar Enabled Payment System) is India's biometric banking service that gives rural and unbanked populations access to cash withdrawal, balance enquiry, and mini statement through Business Correspondent outlets. Built on UIDAI's Aadhaar authentication infrastructure and operated by NPCI, AEPS removes the dependency on bank cards and PINs. NxtBanking's AEPS API provides fintechs and BC networks with a reliable, multi-bank connected integration covering all AEPS transaction types with 99.9% uptime, real-time webhooks, and full NPCI compliance.
Quick Answers
What is AEPS and how does it work?
AEPS (Aadhaar Enabled Payment System) is an NPCI-operated banking service that authenticates customers using their Aadhaar number and biometric fingerprint, allowing cash withdrawal, balance enquiry, and mini statement at Business Correspondent points without a debit card or PIN.
Who can use AEPS?
Any Indian resident with an Aadhaar-linked bank account can use AEPS at a registered BC or Micro-ATM outlet. It is specifically designed for rural and unbanked populations who lack access to physical bank branches or ATMs.
Is NxtBanking RBI-compliant for payment APIs?
Yes. NxtBanking operates through RBI-licensed partner banks for all payment services (IMPS, NEFT, RTGS, UPI) and is NPCI-certified for BBPS, AEPS, and UPI flows. All APIs follow RBI's Master Directions on payment aggregators, KYC, and PMLA obligations. We maintain audit logs, data localisation, and consent frameworks compliant with the DPDP Act 2023.
How does NxtBanking handle API downtime and failover?
NxtBanking uses a connected-banking architecture that links a single API credential to multiple RBI-licensed partner banks. When one bank's rails experience degradation or maintenance, the API automatically routes to the next available bank — with no code change required on the client side. This multi-bank failover is what delivers 99%+ transaction success rates and 99.9% API uptime SLA for enterprise clients.
What does it cost to integrate NxtBanking APIs?
NxtBanking offers pay-as-you-go pricing with no setup fees and no minimum commitment for most APIs. Typical pricing: IMPS/UPI payout ₹3–₹8 per transaction, NEFT ₹1–₹3, BBPS bill payment ₹0.50–₹3, AEPS cash withdrawal ₹2–₹5. Enterprise clients on committed volumes negotiate flat-rate pricing. Sandbox access is free and unlimited. Contact sales for a custom quote based on your expected transaction volume.
Key Terms
- AEPS
- Aadhaar Enabled Payment System — a bank-agnostic cash withdrawal and balance enquiry service authenticated via Aadhaar biometrics, operated under NPCI.
- API
- Application Programming Interface — a structured software interface that lets applications communicate with each other over the internet using defined endpoints, authentication, and data formats.
NxtBanking is India's AI-powered fintech API platform trusted by hundreds of fintechs, BC networks, NBFCs, and enterprise companies. Our unified API marketplace covers payout (IMPS, NEFT, RTGS, UPI), BBPS bill payment with 20,000+ billers, AEPS biometric banking, KYC and identity verification (Aadhaar, PAN, Bank, Driving Licence, Voter ID, RC), UPI collection and QR codes, domestic money transfer (DMT), mobile and DTH recharge, Micro-ATM, and travel APIs — all under one master agreement, one set of credentials, and one consolidated monthly invoice.
Every NxtBanking API is backed by a 99.9% uptime SLA, real-time webhook delivery, a full-featured sandbox environment with simulated error scenarios, comprehensive API documentation with Postman collections and code samples in multiple languages, and dedicated technical onboarding support. Production go-live for most APIs is achievable within 7–15 business days after KYC and compliance review. For enterprise clients requiring custom SLAs, dedicated infrastructure, or white-label platform builds, NxtBanking offers tailored commercial terms with no minimum volume commitment at the pilot stage.
