India's Most Advanced AePS Software Development & B2B Admin Panel
Complete AePS Admin Portal — BBPS, DMT, Payout, Recharge, KYC & More
48 integrated modules. 580+ API endpoints. 1,080 automated tests with 100% pass rate. 693 granular permissions. AePS, BBPS, DMT, Payout, Recharge, KYC, AI Engine — all in one battle-tested admin panel b2b software platform with 423,000+ lines of production code.
📥 Download Admin Panel Proposal →Modules Live
Test Pass Rate
APIs Active
Monitoring
48 Fully Integrated Modules in the AePS Admin Portal
Complete fintech suite covering AePS, BBPS, DMT, Payout, Recharge, KYC, AI — all in one battle-tested admin panel b2b software platform.
| Module | Services | Priority | Status |
|---|---|---|---|
| UserManagement | 58 | Core Identity, high transaction volume | ✅ Active |
| KycManagement | 55 | Regulatory Compliance, critical for onboarding | ✅ Active |
| AdministrationManagement | 41 | Platform Configuration, operational backbone | ✅ Active |
| CommissionManagement | 33 | Revenue Stream Optimization | ✅ Active |
| CollectionManagement | 27 | Payment Inflow, core revenue stream | ✅ Active |
| PayoutManagement | 20 | Cleanest financial module, high reliability | 🟢 Live |
| FundManagement | 19 | Capital Management, liquidity operations | ✅ Active |
| DmtManagement | 13 | Direct Money Transfer, essential transactions | ✅ Active |
| BbpsManagement | 9 | Bill Payments, comprehensive utility | ✅ Active |
| RechargeManagement | 6 | Reference implementation, high scalability | 🟢 Live |
| AIEngine | 4 svc | Advanced Analytics, future-ready | ✅ Active |
| AIFinancialTools | ~10 | Innovative Financial Intelligence | ✅ Active |
+ 36 additional modules including Tax, Notification, Provider, Webhook, Reporting, Permissions, and more.
16-Step Atomic Transaction Engine
Every AePS, BBPS, DMT transaction either fully completes or reverts entirely — zero partial settlements, zero data corruption.
Resolve ID
Verify transaction & user identifiers
Lock Row
Redis distributed locking — prevent double-spending
Prechecks
Wallet suspension, KYC status, MPIN validation
Compute Debit
bcmath precision financial arithmetic
Balance Check
Main wallet vs locked amount limits
Provider Selection
Priority-based routing to stable API pipe
MPIN Verification
Transaction-level security check
Charge Calculation
Package/scheme overrides & markup logic
GST Application
Auto CGST+SGST or IGST detection
TDS Deduction
2% vs 20% based on PAN status
Wallet Update
Atomic decrement of business wallet
Commission Push
Real-time distribution up to 9 levels
Ledger Recording
Central reports & wallet_transactions
Audit Trail
Timestamp, IP, device, user logging
Notification
SMS, email, push via FCM
Persist & Notify
Final commit + webhook callback
AePS Software Development — Core Services Deep Dive
Every service in our AePS admin portal is built with enterprise-grade security, multi-provider failover, and automated commission distribution.
AePS — Aadhaar Enabled Payment System Software
5 Services: Cash Withdrawal, Balance Enquiry, Mini Statement, Aadhaar Pay, Fund Transfer.
The heart of our AePS software development — biometric banking for India's last mile. No card, no PIN needed. Fully RBI-approved, NPCI-certified. Revenue on every transaction. Works in low-connectivity areas.
BBPS — Bill Payment System in Admin Portal
200+ Billers: Electricity, Water, Gas, Mobile Postpaid, Broadband, DTH, Loan EMIs, Insurance.
NPCI-certified BBPS admin portal. Real-time payment confirmation. Instant receipt generation. Commission earned on every bill payment processed through your network.
DMT — Domestic Money Transfer Software
11-Step Secure Process: MPIN Verify → Security Check → Remitter Check → Limit Check → Financial Process → Calc Charges → Compliance Check → PricingGuard.
Supports IMPS/NEFT/RTGS. Multi-provider with auto-failover. Sub-30 second processing in your admin panel b2b software.
Payout Management — Admin Panel B2B Software
Bulk Disbursements: Process thousands in one click via CSV upload.
Integrated with RazorpayX, Cashfree, IDFC, Eko. Automatic failover. Real-time status tracking via webhooks. Automatic commission distribution on success — all inside your AePS admin portal.
Recharge Management
All Operators: Jio, Airtel, Vi, BSNL, MTNL. DTH: Tata Sky, Dish TV, Airtel DTH, Sun Direct.
Sub-5 second confirmation. Auto-failover for 99.9% success rate. Highest volume service in the admin panel b2b software — thousands daily.
KYC Management — 9-Step Verification in AePS Portal
Full eKYC: Mobile OTP → Basic Details → Aadhaar eKYC → PAN Verification → GSTIN Check → Bank Account (Penny Drop) → Video KYC (Liveness) → Document Upload → Approval.
RBI-compliant from day one. 55 services built-in to the AePS admin portal.
Complete Fund & Tax Management in Admin Panel B2B Software
Every fund flow automated, tracked, and secured. Zero manual tax calculations in your AePS admin portal.
Fund Transfer
Instant peer-to-peer transfers between any users in hierarchy. Automated request & approval workflow with multi-level authorization.
UPI Collection
Dynamic QR codes, virtual accounts per user, real-time confirmation, auto-reconciliation. Works with PhonePe, GPay, Paytm, BHIM.
Automated Tax Engine
GST: CGST+SGST (intra-state) or IGST (inter-state) — auto-detected via state_code.
TDS: 2% with PAN, 20% without. Threshold: ₹20K annual.
Auto-generated invoices & certificates.
Atomic Wallet Engine in AePS Admin Portal
Every financial operation in the admin panel b2b software goes through 16-step atomic processing. Your agents' money is always safe.
💳 Wallet Operations
Debit, credit, and atomic locking via WalletHelper. lockForUpdate for row-level locks preventing concurrent modifications. bcmath for 100% precision.
🛡️ PricingGuard
Intelligent system that blocks transactions with zero or negative charges. Prevents financial losses automatically. Active on every single AePS, BBPS, DMT transaction.
🔄 Circuit Breaker
Automatically suspends connections to underperforming external services, preventing cascading failures. Self-healing when service recovers.
Multi-Provider Architecture — AePS API Provider
Intelligent automatic failover in the AePS admin portal — never miss a transaction with multiple AePS API provider integrations.
| Service Type | Providers | Failover | Benefit |
|---|---|---|---|
| AePS (Payment Processing) | NSDL, Fino, NPCI-certified providers | Secure routing | Seamless biometric transactions |
| DMT (Money Transfer) | Multiple aggregators | Priority-based routing | Optimal cost & speed |
| BBPS (Bill Payment) | NPCI-certified aggregators | Dynamic switching | High availability |
| Payout | RazorpayX, Cashfree, IDFC, Eko | Instant failover | Guaranteed completion |
| Recharge | Multiple aggregators | Automatic selection | Maximum uptime |
| AI Services | Gemini, OpenAI, PlutosOne | Rate limit fallback | Uninterrupted AI |
Enterprise Security in the AePS Admin Portal
Bank-grade security protecting every AePS, BBPS, DMT transaction — 12 security layers + full RBI compliance in admin panel b2b software.
OTP + Device Fingerprinting
Transaction MPIN
JWT + Refresh Rotation
Rate Limiting & DDoS
IP Whitelisting
AES-256 Encryption
Complete Audit Logs
Automated Fraud Detection
Session Timeout
Multi-Factor Auth
Webhook Signature
Penetration Tested
✅ RBI Guidelines
Fully compliant
✅ KYC/AML
Complete eKYC
✅ Data Privacy (PDPB)
Compliant handling
✅ PCI DSS
Payment security
Robust Database Architecture — 100+ Tables
Optimized for high-volume AePS, BBPS, DMT operations at scale in admin panel b2b software. Sub-millisecond queries.
👥 users
Core table with wallet balances, hierarchy, KYC status. Columns: id, role_id, parent_id, mainwallet, aepsbalance, lockedamount, kyc_status
📊 reports
Central transaction ledger for ALL AePS, BBPS, DMT services. txn_id, user_id, product, amount, charge, gst, tds, total_amount, profit, status, provider_id
💳 wallet_transactions
32-column wallet ledger. user_id, amount, txn_type, wallet_type, opening_balance, closing_balance, service, report_id
📈 commission_flow_audit
Tracks every commission distribution. user_id, report_id, service, amount, level, status (distributed/reversed)
📦 packages / package_rates
Markup packages per service. name, child_role_id, priority, valid_from/to, rate_type, rate_value, max_cap
⚡ Infrastructure
MySQL 8.0 with optimized indexes. Redis 7.x caching layer. Automated daily backups. Horizontal scaling ready.
580+ AePS API Provider Endpoints
Build any fintech product on top of our AePS API provider infrastructure. RESTful architecture with JWT authentication.
RESTful AePS API
Clean, predictable AePS API provider design following industry standards. Every endpoint documented with Postman collection.
JWT Authentication
Secure token-based auth with refresh rotation. Rate limiting and IP whitelisting for abuse prevention in admin panel b2b software.
Sandbox Environment
Full test environment with test credentials. Sample code for AePS, BBPS, DMT integration in PHP, Node.js, Python.
Webhook Support
Real-time event notifications with cryptographic signature verification. Automatic retry with exponential backoff.
Build Anything
Mobile apps, web portals, third-party integrations — all on our AePS API provider infrastructure. API key to first transaction in under 2 hours.
Complete Coverage
AePS, BBPS, DMT, KYC, Fund, Collection, Payout, Tax, Recharge — every module fully covered with 580+ endpoints.
Performance Built for Scale
Whether you have 100 agents or 100,000 — the AePS admin portal scales with your business.
Sub-100ms Response
95% of AePS API responses under 100ms
Redis Caching
80% reduction in database load
Queue Processing
Background jobs for heavy operations
Auto-Scaling
Google Cloud handles traffic spikes
10K+/day Capacity
High-volume AePS transaction processing
99.9% Uptime SLA
Maximum availability guaranteed
Sub-Second Wallet
Rapid financial operations
Optimized Queries
Indexed for speed across tables
1,080 Tests — Zero Failures in AePS Software Development
When you process real AePS, BBPS, DMT transactions, you need real confidence. Our test suite delivers that for your admin panel b2b software.
Pass Rate
1,080 tests, 3,154 assertions
Modules Covered
Every module has dedicated tests
Avg Test Time
Sub-second execution
Daily CI/CD
Tests on every deployment
Unit Tests
Every AePS, BBPS, DMT function in isolation
Integration Tests
End-to-end transaction flows
Financial Tests
Wallet edge cases
Security Tests
Auth & authorization
Why Choose NXT Banking for AePS Software Development?
Built by fintech experts, for fintech businesses. India's most battle-tested AePS admin portal.
⚔️ Battle-Tested
423,000+ lines of AePS software development code running live financial transactions across diverse operations.
🔐 Security-First
Every feature in the admin panel b2b software engineered with robust security protocols and compliance as the fundamental design principle.
💰 Revenue-Ready
Commission engine starts generating revenue from day one. Start earning the moment your first AePS transaction processes.
🚀 Fast to Market
Launch your AePS admin portal in weeks, not years. Go from contract to live transactions in 2 business hours with pre-built infrastructure.
📚 Full Support
Comprehensive documentation, expert training, dedicated ongoing support, 24/7 monitoring. Your AePS software development success is our success.
🔄 Continuously Updated
Regular monthly platform updates with new features, performance enhancements, and latest AePS API provider compliance adherence.
Frequently Asked Questions — AePS Software Development
Everything you need to know about AePS admin portal, admin panel b2b software, and AePS API provider integration.
AePS software development refers to building an Aadhaar Enabled Payment System platform for biometric banking transactions — cash withdrawal, balance enquiry, mini statement, Aadhaar Pay, and fund transfer. Laraware's NXT Banking is a production-ready AePS software development solution with 1,080 automated tests, NPCI certification, and RBI compliance — ready to deploy in 2 business hours.
An AePS admin portal is the backend management system for your AePS network. It allows you to manage agents, distributors, transactions, commissions, KYC verification, fund management, and reporting. NXT Banking's AePS admin portal includes 48 modules, 693 permissions, 9-level hierarchy management, and processes thousands of AePS, BBPS, DMT transactions daily.
NXT Banking admin panel b2b software includes: AePS (5 biometric services), BBPS (200+ billers), DMT (IMPS/NEFT/RTGS), Payout (RazorpayX, Cashfree, IDFC), Recharge (all operators), KYC (9-step eKYC), UPI Collection, Commission Engine, Fund Management, Tax Engine (automated GST+TDS), and 36 more modules. Total: 423K+ lines of code, 48 modules, 580+ API endpoints.
Custom AePS software development typically costs ₹20L-50L+ and takes 6-12 months. NXT Banking's ready-made AePS admin portal is available at a fraction of this cost as a one-time OTC activation with lifetime access. You get 423K+ lines of tested AePS software code, 48 modules, and can go live within 2 business hours. Contact us at 07314621515 for exact pricing.
Yes. NXT Banking is an NPCI certified AePS API provider and the AePS admin portal is fully RBI compliant. The platform supports multiple AePS API provider integrations (NSDL, Fino, NPCI-certified) with automatic failover, ensuring maximum uptime for your AePS transactions. All 1,080 automated tests pass with 100% success rate.
AePS (Aadhaar Enabled Payment System) handles biometric banking — cash withdrawal, balance enquiry, and fund transfer via Aadhaar fingerprint authentication. BBPS (Bharat Bill Payment System) handles bill payments for 200+ billers including electricity, water, gas, mobile, DTH, and insurance. Both are fully integrated in NXT Banking admin panel b2b software with separate provider management.
With NXT Banking admin panel b2b software, you can process your first live AePS transaction within 2 business hours of configuration. The complete onboarding (including KYC verification and team training on the AePS admin portal) typically takes 2-4 weeks. We provide dedicated support throughout the entire launch process.
Download B2B Admin Panel Proposal
Get the complete proposal for India's most advanced AePS software development & B2B admin panel — every module, every API, every test, every security feature explained in detail.
- Complete 48-module AePS admin portal breakdown
- 16-step atomic transaction engine details
- AePS, BBPS, DMT, Payout, Recharge deep dive
- 9-step KYC verification process
- 580+ AePS API provider endpoints documentation
- Multi-provider architecture & failover logic
- 100+ database tables schema
- 1,080 automated tests proof
- Enterprise security — 12 layers explained
- Webhook system & real-time notifications
- Deployment architecture & scaling strategy
- RBI compliance checklist complete
📥 Download Admin Panel Proposal (PDF)
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