Understanding the 9-Level Distribution Hierarchy in Whitelabel B2B Software
The 9-level distribution hierarchy is what makes NXT Banking the most powerful whitelabel b2b software for building a nationwide fintech business. Unlike traditional payment networks with 3-4 levels, our unique 9-level structure gives you unmatched flexibility and depth for your AePS whitelabel business.
The 9 Levels Explained
Level 1: Admin
System administrator with full platform access. Controls baseline commission rates, system configuration, and overall platform management. Only one admin per NXT Banking instance.
Level 2: CTO
Technical administrator managing system health, API integrations, provider connections, and technical operations. Handles server monitoring and troubleshooting.
Level 3: Whitelabel Partner
The most valuable level for business owners. A whitelabel partner gets their own branded platform with custom domain, logo, and complete independence from the master platform. They earn markup on ALL downline levels (4-9), making this the most profitable position in the hierarchy.
Level 4: API User
High-volume partners who access the platform programmatically for automated, high-frequency transactions. Ideal for banks, NBFCs, and large enterprises integrating AePS into their existing systems.
Level 5: Master Distributor (MD)
Regional heads managing large geographic areas. They earn margin between their rate and their downstream distributors/retailers, building sustainable regional businesses in the whitelabel software ecosystem.
Level 6: Partner
Area-level managers typically covering one city or district. Partners onboard and manage multiple distributors below them.
Level 7: Distributor
Local business partners managing retailer networks in specific neighborhoods or towns. They provide hands-on support to retailers and earn margin on retailer transactions.
Level 8: Super Distributor
Large-scale volume players handling multiple districts or sub-regions. Super distributors are typically well-established businesses with existing retailer relationships.
Level 9: Retailer
The frontline service point — shop owners, kirana stores, mobile recharge centers, CSC operators. They interact directly with customers and process AePS, BBPS, DMT, and Recharge transactions daily.
How Commission Distribution Works in the Hierarchy
NXT Banking’s commission engine automatically distributes earnings to all hierarchy levels in real-time when any transaction is processed:
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Retailer processes an AePS withdrawal → platform earns ₹15
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System automatically calculates each level’s margin based on package/scheme settings
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All levels (Distributor, Super Distributor, Partner, MD, Whitelabel Partner) receive their cuts simultaneously
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No manual reconciliation needed — 100% automated
Building Your Whitelabel Business Using the Hierarchy
The most successful AePS whitelabel businesses focus on:
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Recruiting Master Distributors in each state
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Each MD recruits 3-5 Distributors in their region
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Each Distributor onboards 10-20 Retailers
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Result: 500+ active retailers generating daily revenue
Download the Whitelabel Proposal to see full commission model →