Aadhaar Enabled Payment System (AEPS) API & Software
Turn Any Shop Counter Into a Working Bank Branch
In association with Fingpay and Fino Bank, Roundpay is one of the leaders in the Business Correspondent space, providing AEPS solutions to more than 300 distributors across the country. With our seamless integration, you, as a distributor, can be live and running in 48 hours.
Aadhaar Enabled Payment System is a payment framework built on the Aadhaar number, letting cardholders complete financial transactions through Aadhaar-based authentication. The system aims to bring financial and banking services to every part of society through Aadhaar.
In short, AEPS is an Aadhaar-enabled payment system that lets you transfer funds, make payments, deposit cash, make withdrawals, and check bank balance, all through one channel.AEPS Software lets customers make payments using their Aadhaar number, with Aadhaar authentication happening right at the point of sale or a micro ATM machines
This is a simple, secure, and user-friendly platform for financial transactions, one more step taken by the National Payments Corporation of India (NPCI) to push cashless transactions across India.
Roundpay is one of the leading names offering an API for AEPS. By integrating ourAadhaar Enabled Payment System API into your portal, you're able to transfer funds using nothing but a customer's Aadhaar details.
What's Needed to Complete an AEPS Transaction
- IIN bank identification number, identifying the bank the customer is linked to.
- Aadhaar number of the customer.
- Fingerprint captured during their biometric enrollment.
Aadhaar-Enabled Banking Services: Core Objectives
AEPS lets a bank customer use Aadhaar as identity proof to access their bank account and complete basic transactions through a Business Correspondent. Its key objectives are:
- Customer Empowerment: enable Aadhaar-based access to bank accounts for cash deposit and cash withdrawal via Aadhaar, along with fund transfer, Balance enquiry, and mini statement API access.
- Financial Inclusion: support India's financial inclusion goals set by the Government and RBI.
- Electronification of Payments: back RBI's push toward electronic retail payments.
- Central Switching: route Interbank Aadhaar transactions through a central switching and clearing agency.
- Government Disbursements: enable NREGA / Social Security pension disbursement and Old Age Pension payouts through Aadhaar authentication.
- Interoperability: ensure safe, secure interoperability across banks under this NPCI Aadhaar-enabled payment framework.
- Foundation for Aadhaar Banking: build the base for the full range of Aadhaar-enabled banking services.
White Label Partner: White Label AEPS Software India
Want to offer these services under your own brand name? Partner with us as a White Label Partner and roll out most services under your own name within days. Your retailers see your company name and logo, not ours.
- Complete branding under your own name.
- Merchant certificate carrying your own logo.
- Custom email and message settings.
- Full user management control.
- 25+ services available under one roof.
This White label AEPS software India setup increases revenue for both you and your retailers by enabling every service below.
API for AEPS: Software for Rural India
Roundpay provides an Aadhaar Enabled Payment System API built as one of the best solutions for cash deposit and cash withdrawal across rural India, making it genuine AEPS software for rural India use cases.
Convert Shop into Mini ATM
With a simple API integration, you can convert your existing retail outlet into a working Convert Shop into Mini ATM setup, using the same AEPS API integration for mini ATM approach, whether you're upgrading one shop or a whole retailer chain. This facilitates disbursement of government entitlements like NREGA, Social Security pension, and Handicapped Old Age Pension from any Central or State Government body, using Aadhaar authentication as the verification layer.
- Supported by UIDAI, covering full UIDAI-supported transactions.
- Real-time onboarding for every new agent.
- Best commission structure in the industry.
- AEPS API with real-time bank settlement built in.
- 100+ banks supported through one integration.
- Support for all major biometric devices, including AEPS API with biometric device support (Mantra, Morpho, Startek), Precision, Tatvik, Secugen, and Next Biometrica.
Fino AEPS API, ICICI AEPS API & Beyond
Whether you're comparing us as a Fino AEPS API option, an ICICI AEPS API option, or simply searching for the Best AEPS API provider in India, this same infrastructure supports all of it under one login.
Features
Roundpay provides an Enabled Payment System API and AEPS Software built to be the strongest solution for cash deposit and cash withdrawal across rural India.
Trust and Reliability
10 years of consistency and honest business practice behind every transaction.
Secure Platform
Our platform is safe, sound, secure, and genuinely reliable, developed entirely in-house.
Agent Onboarding
Real-time agent onboarding with eKYC enabled, giving your agents real-time transaction capability from day one.
Proven Technology
Our robust, secured payment platform is proven at scale, processing millions of transactions.
Quick Settlements
Real-time settlement across all channels, no waiting on end-of-day batch processing.
AEPS Business Correspondent: AEPS API for Banks & BC Agents
Our setup works well as an AEPS API for Banks & BC Agents, giving banking correspondents a way to add Aadhaar-based cash services alongside recharge, bill payment, and money transfer, all from the same counter. As an AEPS Business Correspondent, you're running a genuine mini bank, not just reselling a login. It's built specifically as an AEPS API for business correspondents operating under the standard Business Correspondent (BC) model used across Indian banking.
AEPS Service Provider Company: Aadhaar Authentication API for Banking
We're also regularly recognized as a reliable AEPS Service Provider Company, supporting Aadhaar-based banking through Aadhaar authentication API for banking infrastructure that's built to handle biometric authentication banking reliably, not just in ideal conditions.
Aadhaar-Based Cash Withdrawal API & Aadhaar-Enabled Banking Services
Our Aadhaar-Based Cash Withdrawal API works alongside broader Aadhaar-enabled banking services, giving customers a single point to withdraw cash, check balance, and access a mini statement using just their Aadhaar number and fingerprint.
Serving Lucknow & Businesses Across India
Roundpay is based in Lucknow, and we regularly show up in searches for the Best AEPS API Provider in Lucknow or an AEPS API provider Lucknow businesses want to visit in person. If you searched for an AEPS API provider near me, our office is easy to reach.
Our network extends well beyond Lucknow, though. Businesses across India run our UIDAI-supported AEPS software India setup remotely, with the same onboarding quality and support either way.
Frequently Asked Questions (FAQs)
AEPS is a payment system that lets a bank customer use their Aadhaar number and fingerprint to access their account and complete basic transactions like cash withdrawal, balance enquiry, and fund transfer through a Business Correspondent.
A customer provides their Aadhaar number, selects their bank via the IIN, and authenticates using a fingerprint at a micro ATM or point of sale device. The transaction is verified against UIDAI records, and once matched, it's processed and confirmed in real time.
Three things: the IIN bank identification number, the customer's Aadhaar number, and their fingerprint captured during enrollment. All three are checked together before a transaction goes through.
You register with an authorized AEPS API provider, complete onboarding and any required documentation, and get access to a distributor or retailer dashboard. From there, you can start offering AEPS services and earning commission per transaction.
Yes. AEPS transactions require Aadhaar authentication and biometric verification, which makes it a genuinely secure form of Aadhaar-based cash withdrawal API access, since a fingerprint match is needed alongside the Aadhaar number.
Most major Indian banks support AEPS through NPCI's central switching infrastructure. Roundpay's AEPS API supports 100+ banks, including options like Fino AEPS API and ICICI AEPS API through the same integration.
It's the technical interface that lets a business, app, or retail counter connect to the Aadhaar Enabled Payment System, enabling Aadhaar-based cash deposit, withdrawal, balance enquiry, and fund transfer without needing separate bank integrations.
A request goes in with the Aadhaar number, IIN, and biometric data, gets routed through NPCI's switching system to the customer's bank, and returns a confirmation instantly once authenticated.
That depends on your priorities: bank coverage, biometric device support, settlement speed, or commission structure rarely peak with one provider. Roundpay is regularly considered among the top AEPS API providers due to real-time settlement and broad biometric device support.
Check bank coverage, biometric device compatibility, settlement speed, UIDAI compliance, and how responsive support is when something breaks. Any honest aeps api vendor comparison should weigh these together, not just the commission rate on offer.
A proper integration guide walks through API credentials, biometric device setup, sandbox testing, and go-live steps, so your developers aren't guessing through the process.
A Recharge API handles mobile, DTH, and utility recharges, while an AEPS API handles Aadhaar-based banking transactions like cash withdrawal and balance enquiry. Many retailers run both together under the same counter for a fuller service offering.
An AEPS API deals with Aadhaar-authenticated banking transactions, while a BBPS Bill Payment API handles utility and bill payments through the Bharat Bill Payment System. They serve different transaction types but often run side by side on the same platform.
Some businesses look at AEPS API alternatives like standard debit card-based micro ATMs. A fair AEPS API comparison usually shows that most retailers in rural or semi-urban areas still prefer AEPS since it doesn't require the customer to carry a card or PIN, just their Aadhaar number and fingerprint.
Roundpay is based in Lucknow and frequently comes up in searches for the Best AEPS API Provider in Lucknow, largely due to in-person support alongside our nationwide distributor network.