AePS Software Development Company India — Build Your Own Aadhaar Banking Network
Laraware is India’s leading AePS software development company, powering thousands of banking correspondents and retailers across rural and urban India. Our AePS platform enables Aadhaar-based cash withdrawal, balance enquiry, mini statement, and Aadhaar Pay — all through a single integration.
With our 8-layer AI compliance engine and 99% transaction success rate, we deliver the most reliable AePS solution in the market. Our platform processes over ₹500 Cr+ monthly transactions, making it one of the highest-volume AePS systems in India.
What is AePS (Aadhaar Enabled Payment System)?
AePS is an Aadhaar-based payment system developed by NPCI (National Payments Corporation of India) that allows customers to use their Aadhaar number and biometric data for basic banking transactions. It enables financial inclusion by bringing banking services to unbanked populations through Banking Correspondents (BCs).
Key AePS transactions include:
- Cash Withdrawal — Withdraw cash using Aadhaar + fingerprint at any AePS point
- Balance Enquiry — Check bank balance instantly via biometric verification
- Mini Statement — View last 5-10 transactions
- Cash Deposit — Deposit cash into Aadhaar-linked bank account
- Aadhaar Pay — Merchant payments using Aadhaar authentication
- Fund Transfer — Transfer money between Aadhaar-linked accounts
Why Choose Laraware for AePS Software Development?
Our AePS platform stands apart with these enterprise-grade features:
- 99% Transaction Success Rate — AI-powered retry mechanism and multi-bank routing for maximum success
- 2-Second Response Time — Optimized API processing with intelligent caching
- Multi-Bank Integration — Connected with all major banks — SBI, ICICI, HDFC, PNB, BOB, Axis Bank
- Biometric Device Support — Works with Mantra, Morpho, Startek, Cogent — all RD certified devices
- AI Fraud Detection — Real-time transaction monitoring with ML-based anomaly detection
- Multi-Level Commission — Automated commission distribution across 9 hierarchy levels
- White Label Ready — Launch under your own brand with custom UI/UX
- Comprehensive Dashboard — Real-time analytics, reports, and agent management
AePS Software Features & Modules
Agent & Retailer Management
Complete KYC verification, onboarding workflow, wallet management, and performance tracking for your entire distribution network. Manage thousands of agents from a single dashboard with role-based access control.
Transaction Processing Engine
Our high-performance transaction engine handles 10,000+ concurrent transactions with automatic failover, retry logic, and bank-switching capabilities. Every transaction is encrypted end-to-end with AES-256 encryption.
Commission & Settlement System
Flexible commission structures with multi-level distribution — set different rates for super distributors, distributors, and retailers. Auto-settlement with customizable payout schedules (instant, daily, weekly).
Reporting & Analytics
Real-time dashboards with transaction volumes, success rates, revenue analytics, agent performance, and bank-wise reports. Export in PDF, Excel, and CSV formats.
AePS API Integration Guide
Integrate AePS into your existing platform in under 48 hours with our developer-friendly APIs:
- Get API Credentials — Sign up and receive your API key, secret, and sandbox access
- Integrate Biometric SDK — Implement our lightweight biometric capture SDK
- Test in Sandbox — Full testing environment with simulated bank responses
- Go Live — Production deployment with dedicated support engineer
Our API supports REST architecture with JSON responses, webhook callbacks for async operations, and comprehensive error handling. View our API development services for custom integration needs.
AePS Business Opportunity in India
The AePS market in India is growing at 35%+ CAGR. With over 400 million Aadhaar-linked bank accounts and increasing focus on financial inclusion, AePS represents a massive business opportunity:
- ₹2.5 Lakh Cr+ annual AePS transaction volume (2025-26)
- 8 Lakh+ active Banking Correspondents across India
- Average commission: ₹3-5 per transaction for retailers
- Super Distributors earn ₹2-5 Lakh/month from networks
- Zero investment start possible with our white-label model
Technology Stack
Our AePS software is built on enterprise-grade technology:
- Backend: Laravel 11, Node.js microservices, Redis queue
- Frontend: React.js SPA with PWA support
- Database: MySQL 8 + MongoDB for logs, Redis for caching
- Security: AES-256 encryption, RSA key exchange, SSL/TLS, WAF
- Infrastructure: AWS/Azure with auto-scaling, 99.99% uptime SLA
- AI Engine: TensorFlow-based fraud detection, anomaly scoring
AePS Pricing & Plans
We offer flexible pricing models to suit every business size:
- API Integration: Per-transaction pricing with zero setup cost
- White Label Platform: Monthly subscription with full branding
- Enterprise License: Complete source code with lifetime license
Get a free consultation and custom quote: Contact our team or download the B2B Admin Panel proposal to see all 48 modules including AePS.
Frequently Asked Questions (FAQ)
What is the cost of AePS software development?
AePS software development cost starts from ₹2 Lakh for API integration and goes up to ₹15-25 Lakh for a complete white-label platform with admin panel, agent management, and multi-level commission system. The exact cost depends on your requirements, customizations, and scale.
How long does it take to develop AePS software?
With our pre-built NXT Banking platform, you can go live in as little as 2 business hours with our white-label solution. Custom development with modifications typically takes 2-4 weeks. Full custom builds take 3-6 months.
Which biometric devices are supported?
Our AePS software supports all UIDAI-certified RD (Registered Device) biometric devices including Mantra MFS100, Morpho MSO 1300 E3, Startek FM220, and Cogent CSD200. Both fingerprint and iris scanners are supported.
Is AePS business profitable?
Yes, AePS is highly profitable. Retailers earn ₹3-5 per transaction with an average of 50-100 transactions daily. Distributors and super distributors earn from their entire network, with top earners making ₹2-5 Lakh per month.
Do you provide AePS API for existing platforms?
Yes, we provide standalone AePS API integration that can be plugged into any existing fintech platform, banking app, or payment portal. Our REST APIs come with comprehensive documentation, sandbox testing, and dedicated integration support.
Ready to build your AePS network? Get a free demo | Download B2B Admin Panel Proposal | Explore Whitelabel Partnership