AePS API Software — Multi-Bank Integration, Built for Reliability

Looking for an AePS API provider in India? Laraware's NXT Banking AePS API software gives you multi-bank routing, AI-powered fraud-detection tooling, and biometric authentication behind a single integration.

AePS API Features

Cash Withdrawal API — Aadhaar-based cash withdrawal with biometric authentication
Balance Enquiry API — Instant balance check across all connected banks
Mini Statement API — Retrieve last transactions for account verification
Aadhaar Pay API — Merchant payment acceptance via Aadhaar
Fund Transfer API — Aadhaar-to-Aadhaar money transfer

What Makes Our AePS API Software Different

Intelligent Bank Routing — Automatic failover across multiple connected banking partners to reduce failed transactions
Optimized Response Times — Edge caching and efficient request processing
Multi-Bank Support — Connected with SBI, ICICI, HDFC, PNB, BOB, Axis, and other major banks
Smart Retry Engine — AI-based retry mechanism that reroutes failed transactions through alternate bank paths
Comprehensive Webhooks — Real-time callbacks for transaction status updates

Settlement of funds happens through the partner's own banking tie-ups — our software provides the routing, retry, and reconciliation layer on top.

AePS API Integration Process

Integrate our AePS API into your platform in 3 steps:

Register & Get API Keys — Complete KYC and receive sandbox credentials
Integrate & Test — Use our REST API with JSON format, with a full sandbox and simulated bank responses
Go Live — Switch to production with dedicated integration support

AePS API Documentation Overview

Our AePS API uses standard REST architecture with JSON request/response format. Key endpoints include:

POST /api/v2/aeps/cash-withdrawal — Process cash withdrawal with biometric data
POST /api/v2/aeps/balance-enquiry — Check balance via Aadhaar authentication
POST /api/v2/aeps/mini-statement — Get mini statement
GET /api/v2/aeps/transaction/{id} — Check transaction status
POST /api/v2/aeps/callback — Register webhook for status updates

Security features include API key + secret authentication, IP whitelisting, request signing with HMAC-SHA256, and rate limiting. For custom API integration, visit our API development services page.

AePS API Pricing

Transparent pricing with no hidden charges:

Pay-Per-Transaction — Volume-based pricing per successful transaction
Monthly Plans — Fixed monthly fee with reduced per-transaction cost
Enterprise — Custom pricing for high-volume partners

Frequently Asked Questions

How to get AePS API access in India?

Contact Laraware at info@laraware.com or through our website. Complete business KYC verification and receive your API credentials. We provide sandbox access for testing before going live.

What documents are needed for AePS API?

You'll need business registration (GST/Company), PAN card, Aadhaar card, bank account details, and a signed API service agreement. For Banking Correspondent operations, additional RBI-aligned compliance documents may be required from your own regulated partner.

Can I integrate AePS API with my existing app?

Yes. Our REST API integrates with any platform — web apps, mobile apps (Android/iOS), desktop software, or payment terminals. We provide SDKs for major programming languages and dedicated integration support.

What is the minimum transaction volume required?

There is no minimum transaction volume requirement. Our pay-per-transaction model works for businesses of all sizes.

Start integrating AePS API today: Get in touch | View AePS software solutions