AePS Software — Aadhaar Enabled Payment System India
AePS Software by V2S Infosystem enables recharge and retailer businesses to offer Aadhaar-based banking services (cash withdrawal, balance inquiry, mini statements and Aadhaar fund transfer). Serve customers even in remote areas without needing bank cards. Our NPCI-compliant AePS integration adds a new revenue stream via instant commission on every transaction, ensuring secure, biometric-authenticated payments for your retail network in India.
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Grow Your Recharge Business With AePS Services
AePS (Aadhaar Enabled Payment System) allows retailers to provide Aadhaar-based banking services directly from their recharge shop. Customers can withdraw cash, check account balances, and access mini statements using Aadhaar authentication and biometric verification — without needing a debit card or visiting a bank branch.
With V2S Infosystem Private Limited, AePS is not a standalone banking product. It works as part of a complete B2B Recharge Software ecosystem including Mobile Recharge, BBPS, DMT, API Reselling, White Label Services, and Android Applications — all from a single admin panel and Android app.
What Is AePS and How Does It Work?
AePS is an NPCI-managed payment system that allows customers to perform basic banking transactions using their Aadhaar number and biometric fingerprint — without a debit card, PIN, or bank app.
A retailer equipped with a biometric fingerprint scanner and AePS-enabled software acts as a micro-ATM. The customer provides their Aadhaar number and fingerprint, selects the transaction type (cash withdrawal, balance check, or mini statement), and the transaction is processed in real time through NPCI's banking infrastructure.
This makes AePS particularly valuable in rural and semi-urban India, where millions of customers have Jan Dhan bank accounts linked to their Aadhaar but do not have access to nearby ATMs or smartphones for mobile banking.
💰 How Much Can Retailers Earn from AePS?
AePS transactions earn a flat commission per transaction. Typical earnings for retailers in India:
- Cash Withdrawal: ₹5 – ₹15 per transaction (varies by banking service provider)
- Balance Enquiry: ₹1 – ₹3 per transaction
- Mini Statement: ₹1 – ₹3 per transaction
- Aadhaar Fund Transfer: ₹5 – ₹10 per transaction
A retailer in a rural or semi-urban area processing 20–40 AePS cash withdrawals per day can earn ₹3,000 – ₹10,000 per month from AePS alone — on top of existing recharge and BBPS commissions. As an Admin or Distributor, you earn a commission spread on every AePS transaction across your entire network.
For a full breakdown of earning potential across all services, read our guide on mobile recharge business investment and profit margin in India.
Why Retailers Love AePS
Additional Income Per Transaction
Flat commission on every cash withdrawal, balance check, and mini statement — no investment required beyond the biometric device.
Increase Daily Customer Visits
Rural customers visit regularly for cash withdrawals — bringing repeat footfall that also converts to recharge and bill payment transactions.
Cross-Sell Recharge and BBPS
A customer visiting for a cash withdrawal is a natural opportunity to offer mobile recharge or electricity bill payment in the same visit.
Serve the Unbanked Population
Millions of Jan Dhan account holders use AePS as their only banking access point — high demand, low competition in Tier 3 and rural markets.
Improve Retailer Retention
Retailers earning from AePS, recharge, and BBPS combined have significantly higher monthly income — making them far less likely to switch platforms.
Aadhaar Enabled Banking Services
How AePS Works Inside V2S Recharge Software
The Admin configures AePS commission margins at each level. Distributors onboard retailers and fund wallets. Retailers process AePS transactions via the Android app and biometric scanner. Every transaction automatically credits commission to all levels — no manual calculation required.
Key Features of AePS Software
Multi-Level Commission Management
Set AePS commission margins independently for retailer, distributor, and master distributor levels from the admin panel.
Unified Wallet
The same wallet used for recharge and BBPS funds AePS — no separate top-up or wallet management for different services.
Android Application
AePS transactions are processed directly from the Android app using a biometric scanner — no desktop or browser required.
Real-Time Transaction Reports
Every AePS transaction is logged instantly — service type, amount, retailer, and commission — viewable from the admin panel in real time.
Retailer and Distributor Management
Manage unlimited retailer and distributor accounts with individual AePS access permissions from the admin panel.
NPCI-Compliant Integration
AePS integrated through authorized service providers following NPCI guidelines for Aadhaar-based banking transactions.
OTP-Based Security
All user logins and sensitive operations are secured with OTP-based authentication across all levels.
White Label Support
AePS services available under your own brand and domain with Version 2 (R2) white label branding.
Cloud-Hosted Infrastructure
No local server required — 24/7 uptime with automatic updates at no extra cost.
AePS + Recharge + BBPS Ecosystem
| Service | Available |
|---|---|
| Mobile Recharge | ✔ |
| DTH Recharge | ✔ |
| BBPS Bill Payments | ✔ |
| Domestic Money Transfer (DMT) | ✔ |
| AePS | ✔ |
| Recharge API Reselling | ✔ |
| UTI PAN Services | ✔ |
| Insurance Services | ✔ |
All services run through the same admin panel, same wallet, and same Android app. Adding AePS does not require a separate platform or retailer onboarding — your existing network is ready immediately after API integration.
Who Can Use AePS Software?
Retailers and Shop Owners
Mobile shops, Kirana stores, and CSC centres can offer AePS alongside recharge and bill payments — generating additional daily income from existing customers. Learn more →
Recharge Distributors
Distributors managing rural retailer networks benefit significantly — AePS increases retailer income, improves wallet utilization, and reduces churn automatically.
Platform Owners (Admin)
Admins earn from every AePS transaction across all distributors and retailers — immediately increasing per-user revenue without changing the existing user structure. Start here →
CSP and BC Operators
Common Service Point and Business Correspondent agents can integrate AePS through V2S to manage transactions, commissions, and reports in one centralized system.
Fintech Entrepreneurs
Entrepreneurs targeting rural India can launch with AePS, recharge, BBPS, and DMT combined — building a complete digital financial services ecosystem from day one.
🔒 Security and Compliance
V2S Infosystem follows NPCI guidelines for AePS integration through authorized banking and service provider partnerships. All Aadhaar-based transactions use biometric authentication — fingerprint verification is mandatory for every cash withdrawal and fund transfer, eliminating fraud risk from stolen credentials. OTP-based login secures all user-level access to the platform.
Frequently Asked Questions
What is AePS and who can use it?
AePS is an NPCI-managed service that allows customers to perform banking transactions — cash withdrawal, balance enquiry, mini statement — using their Aadhaar number and biometric fingerprint. Any retailer with a biometric fingerprint scanner and AePS-enabled software can offer these services. It is particularly valuable in rural and semi-urban areas where customers rely on local retailers for banking access.
How much does AePS API integration cost?
AePS API integration is a one-time cost of ₹1,000 – ₹5,000. There is no separate monthly subscription — AePS runs within your existing B2B recharge software plan from ₹1,499/month. A biometric fingerprint scanner (₹1,500 – ₹3,000) is required at the retailer level.
What equipment does a retailer need for AePS?
A retailer needs a UIDAI-certified biometric fingerprint scanner (Morpho, Mantra, or similar), a smartphone with the V2S Android app, and an active wallet balance. No separate hardware terminal or additional bank license is required at the retailer level.
How much commission does a retailer earn per AePS transaction?
Cash withdrawal commissions typically range from ₹5 – ₹15 per transaction. Balance enquiry and mini statement earn ₹1 – ₹3 each. A retailer processing 20–40 cash withdrawals daily can earn ₹3,000 – ₹10,000 per month from AePS alone.
Can AePS be added to an existing recharge software platform?
Yes. AePS is integrated into your existing V2S B2B recharge platform with a one-time API setup. Your existing retailers, distributors, wallet system, and Android app remain unchanged — AePS becomes an additional service on the same platform.
Is AePS available in the Android app?
Yes. AePS transactions are fully supported in the Android app for all user levels. Retailers pair their biometric scanner via Bluetooth or USB and process transactions directly from their smartphone — no desktop required.
Is V2S Infosystem's AePS integration NPCI compliant?
Yes. V2S integrates AePS through authorized banking partners following NPCI's AePS operational guidelines. All transactions are processed through the official NPCI AePS infrastructure using biometric authentication.
Why Choose V2S Infosystem for AePS Software?
Operating Since 2015
Over 10 years building recharge and fintech software specifically for the Indian market.
AePS Integrated With Recharge
AePS, recharge, BBPS, DMT, and API reselling in one platform — one panel, one wallet, one Android app. No separate system needed.
One-Time Integration Cost
Add AePS for ₹1,000 – ₹5,000 one-time. No recurring AePS-specific fees — runs within your existing plan.
Automated Commission Management
AePS commissions are calculated and credited automatically at every level — no manual tracking or separate reconciliation.
White Label Support
Offer AePS under your own brand and domain with Version 2 (R2) white label branding.
24/7 Technical Support
Dedicated support available around the clock for live production issues — essential for a business processing daily AePS transactions.
Add AePS to Your Recharge Business Today
AePS cash withdrawal services are one of the highest-earning additions for retailers in rural and semi-urban India. Add AePS with a one-time API integration and give your retailers an immediate new income stream.
Explore the complete B2B Mobile Recharge Software platform to see plans and pricing.