What to Look for in an AePS Admin Portal
Choosing the right AePS admin portal is critical for the success of your fintech business. A poorly built admin portal can cause transaction failures, payment disputes, compliance violations, and ultimately — business failure. This checklist covers every feature your AePS admin portal must have.
Essential AePS Transaction Features
AePS Cash Withdrawal: NPCI-certified biometric cash withdrawal with device SDK support (Mantra, Morpho, Secugen)
Balance Enquiry: Real-time bank balance via Aadhaar authentication Mini Statement: Last 5 transactions via biometric verification Aadhaar Pay: Merchant payment via Aadhaar biometric AePS Fund Transfer: Inter-bank transfer using Aadhaar number Multiple Bank Pipes: At least 3-4 NPCI-certified bank integrations for failover
Transaction Engine Requirements
Atomic Processing: All-or-nothing transaction execution — no partial failures Distributed Locking: Redis or similar to prevent double-spending Financial Precision: bcmath or equivalent for zero rounding errors Automatic Reversal: Failed transactions trigger immediate refunds Multi-Provider Failover: Automatic switch when primary provider fails Circuit Breaker: Auto-suspend underperforming providers
User Management & Hierarchy
Multi-Level Hierarchy: At least 5 levels (Admin, Distributor, Retailer minimum)
Independent Commission Structures: Per-user, per-role, per-package commission settings KYC Verification: Aadhaar eKYC, PAN, GSTIN, Video KYC, Bank Account verification User Activity Monitoring: Real-time tracking of agent transactions and suspicious activity
Compliance & Security Features
NPCI Certification: Mandatory for AePS transactions RBI Compliance: Transaction limits, reporting, dispute resolution Automated GST Calculation: CGST+SGST (intra-state) and IGST (inter-state)
TDS Management: Automatic 2%/20% deduction based on PAN status Complete Audit Trail: Every transaction logged with IP, device, timestamp Fraud Detection: AI-powered anomaly detection
Does NXT Banking AePS Admin Portal Meet All Criteria?
NXT Banking checks every item on this list and more. With 48 modules, 580+ API endpoints, 1,080 automated tests, and 5+ years of production deployment, it’s the most battle-tested AePS admin portal available in India.