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AEPS Commission Structure Explained

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The Aadhaar Enabled Payment System (AEPS) has become one of the most popular fintech services in India. If you’re planning to start an AEPS business, understanding the commission structure is essential to estimate your earnings and profitability.

Before diving in, you can also read our detailed guide on
How to Earn Money with AEPS Services (Internal Link)

What is AEPS Commission?

AEPS commission is the amount earned by an AEPS agent or retailer for every successful transaction.

AEPS operates under the guidelines of the National Payments Corporation of India (NPCI), which ensures secure and standardized digital payments.
Learn more about AEPS from NPCI:
https://www.npci.org.in/what-we-do/aeps/product-overview

Types of AEPS Transactions & Commission

1. Cash Withdrawal Commission

This is the primary earning source.

  • ₹100 – ₹1000 → ₹2 to ₹5

  • ₹1000 – ₹5000 → ₹5 to ₹10

  • ₹5000 – ₹10000 → ₹10 to ₹15

For setup, check our guide:
How to Start AEPS Business in India

2. Balance Inquiry Commission

  • ₹2 – ₹5 per transaction

  • Works best with high volume

3. Mini Statement Commission

  • ₹2 – ₹5 per request

4. Aadhaar to Aadhaar Fund Transfer

  • ₹5 – ₹10 per transaction

5. Cash Deposit Commission

  • ₹5 – ₹15 (provider dependent)

AEPS Commission Slab Example

Transaction TypeCommission Range
Cash Withdrawal₹2 – ₹15
Balance Inquiry₹2 – ₹5
Mini Statement₹2 – ₹5
Fund Transfer₹5 – ₹10
Cash Deposit₹5 – ₹15

How AEPS Commission is Calculated

Your income depends on:

  • Daily transaction count

  • Average transaction value

  • AEPS provider commission

  • Location demand

Also explore:
Best AEPS API Provider in India

Example Monthly Earnings

  • 60 transactions/day × ₹8 = ₹480/day

  • Monthly income ≈ ₹14,000

With additional services:
₹25,000 – ₹60,000/month possible

AEPS Charges vs Commission

Many people confuse these two

AEPS Charges

  • Paid by customer or bank

AEPS Commission

  • Paid to agent

Profit = Commission + Service Fee

Regulatory & Security Aspect of AEPS

AEPS is backed by:

  • NPCI

  • Aadhaar authentication system

Learn about Aadhaar authentication:
https://uidai.gov.in/

These ensure:

  • Secure biometric transactions

  • Fraud prevention

  • Financial inclusion

Factors That Affect AEPS Commission

  • Service provider

  • Transaction success rate

  • Location demand

  • Customer base

Increase Your Earnings with Additional Services

Don’t rely only on AEPS

  • Mobile recharge

  • DTH recharge

  • Bill payments

  • PAN card services

  • Insurance

Read more:
Top Fintech Services to Offer in 2026

Tips to Maximize AEPS Income

✔ Choose high-commission provider
✔ Work in high-demand areas
✔ Build trust with customers
✔ Use reliable biometric devices

Common Mistakes to Avoid

  • Low commission provider selection

  • Ignoring additional services

  • Poor service quality

  • Using low-quality devices

Why Choosing the Right AEPS Provider Matters

A good provider ensures:

  • Higher commission

  • Faster settlement

  • Better uptime

  • Technical support

Compare providers here:
Best AEPS API Provider Comparison

Conclusion

The AEPS commission structure is simple but powerful. With the right strategy and provider, AEPS can become a consistent and scalable income source.

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