Launch Your Own Branded Fintech Platform
India's #1 Whitelabel Software Provider — AePS, BBPS, DMT & More
NXT Banking Whitelabel — India's most comprehensive whitelabel b2b software for fintech. Your brand, your domain, your commission structure. 48 modules, 580+ APIs, complete with 9-level distribution hierarchy. Zero development cost.
📥 Download Whitelabel Proposal →Best Whitelabel B2B Software in India
Launch unlimited branded fintech platforms from one backend. Your brand, your domain, your SSL, your commission — we handle the technology, compliance, and infrastructure as your whitelabel software provider.
Custom Branding
Your logo, colors, domain, and app name. Your customers see YOUR brand. Full custom domain with SSL certificate — complete white label b2b software experience.
Independent Commission
Set your own commission structure and rates per service. 4-level priority fallback: Package Override → User Scheme → Role Default → System Default.
Isolated Data
Complete data separation between tenants. Zero data leakage. Each whitelabel partner operates as an independent business unit.
Custom Modules
Enable or disable specific services per whitelabel. Flexible product offerings — choose from 48 available modules for your ideal AePS whitelabel business setup.
White-Label API
Your partners can build their own applications on top of your platform. 580+ API endpoints fully accessible and documented.
Instant Provisioning
Onboard new whitelabel partners and go live in minutes, not weeks. From contract to live transactions in 2 business hours.
AePS Whitelabel Business Opportunity
Start India's most profitable AePS whitelabel business. Biometric banking for 500 million+ unbanked Indians — earn on every transaction your agents process.
Cash Withdrawal
Aadhaar-based cash withdrawal for rural India. No card, no PIN — just fingerprint. Earn commission on every withdrawal.
Balance Enquiry
Real-time bank balance check via biometric. Quick, secure, and works in low-connectivity areas across India.
Mini Statement
Last 5 transaction history via Aadhaar. Complete banking access without internet banking.
Aadhaar Pay
Merchant payment via Aadhaar biometric. NPCI-certified, RBI-approved payment method for retail businesses.
Fund Transfer
Interoperable fund transfer using Aadhaar number. Send money to any bank account biometrically.
Commission on Every Transaction
Earn on every AePS, BBPS, DMT, Recharge transaction through your whitelabel network. Automated 9-level distribution.
9-Level Distribution Hierarchy
The engine of your whitelabel b2b software business — operate independent business units with complete hierarchy management and automated commission distribution.
Admin
System-wide access — baseline rates
CTO
Technical management access
Whitelabel Partner
Markup on ALL downline levels — independent branding as whitelabel software provider
API User
High-volume automated transactions
Master Distributor (MD)
Margin between MD and Retailer
Partner
Regional retailer network markups
Distributor
Local shop management margins
Super Distributor
Large-scale regional volume
Retailer
Direct service charges — DMT, AEPS, BBPS
15 Mission-Critical Modules in Your Whitelabel Platform
Everything your whitelabel b2b software business needs — powering every transaction, every day.
User Management
Complete user lifecycle, hierarchy management, and fund operations. 58 services built-in.
Wallet Engine
Atomic transaction processing with 16-step debit/credit cycle. Every rupee tracked precisely using bcmath.
Commission Engine
Multi-level automated commission distribution across all 9 hierarchy levels. 33 services, real-time calculations.
KYC Verification
9-step digital identity verification: Aadhaar eKYC, PAN, GSTIN, Video KYC with liveness detection. 55 services.
Fund Controller
Manages all fund flows, transfers, settlements, UPI collection, and payment gateway integration. 19 services.
DMT Engine
11-step secure domestic money transfer via IMPS/NEFT/RTGS. Remitter verification, OTP, multi-provider support.
AEPS System
5 services: Cash withdrawal, balance enquiry, mini statement, Aadhaar Pay, fund transfer — all biometric.
BBPS Platform
200+ billers — electricity, water, gas, mobile, broadband, DTH, loans, insurance. NPCI-certified.
Recharge Engine
All operators — Jio, Airtel, Vi, BSNL, DTH. Sub-5 second processing with 99.9% success rate.
Payout System
Bulk CSV uploads for thousands of disbursements. RazorpayX, Cashfree, IDFC integration with auto-failover.
Permission Engine
693-permission role-based access control. Granular security for every action in the platform.
Provider Factory
Intelligent multi-provider routing. Automatic failover in under 2 seconds. Priority-based selection.
Notification System
SMS, email, in-app push, and webhook callbacks. Custom templates per whitelabel partner.
Tax Engine
Automated GST (CGST+SGST/IGST) and TDS (194H) calculation. Auto-generated invoices and certificates.
Reporting System
Real-time analytics, reconciliation, export to Excel/PDF. Commission, transaction, wallet, and compliance reports.
Operations Made Easy
The whitelabel b2b software automates 80% of daily operations — your team focuses on growth, not maintenance.
Morning
Dashboard overview, transaction monitoring, provider health check — all key metrics at a glance
Afternoon
Commission reconciliation, KYC approvals, fund request processing — automated daily reports
Evening
Daily settlement, performance reports, alert review — automated end-of-day settlement
Weekly
Commission reconciliation, performance analytics, partner reports, compliance review
GST Filing
Ready-to-file reports generated automatically every month
TDS Certificates
Auto-generated for all partners monthly
Business Intelligence
Monthly growth analytics and trend reports
NXT Banking vs Legacy Whitelabel Software Providers
See how we compare against PayNearby, Spice Money, and other legacy whitelabel b2b software platforms.
| Feature | Legacy Providers (Spice Money, PayNearby) | NXT Banking (Laraware) |
|---|---|---|
| Bank Connectivity | 1-2 bank pipes (High downtime risk) | 4-10 bank pipes with automatic failover ✓ |
| ID Activation | 2-4 business days | Live transactions in 2 business hours ✓ |
| Fee Structure | Yearly renewal fees + hidden charges | Transparent OTC activation + lifetime access ✓ |
| AI Integration | Assistive only (chatbots) | Autonomous 8-layer AI compliance engine ✓ |
| Branding | Limited co-branding | Full white label b2b software with custom domain/SSL ✓ |
| Hierarchy | Limited levels | 9-level complete distribution hierarchy ✓ |
| API Endpoints | Basic APIs | 580+ documented endpoints with Postman ✓ |
| Commission | Fixed rates | Customizable per-user packages & schemes ✓ |
| Tax Management | Manual | Fully automated GST + TDS + invoicing ✓ |
| Test Coverage | Unknown | 1,080 tests • 100% pass rate ✓ |
Built-In Safeguards for Your AePS Whitelabel Business
Every scenario handled automatically — your whitelabel b2b software stays running 24/7.
🔄 Automatic Transaction Recovery
Stuck transactions automatically detected and resolved. No manual intervention needed.
💰 Instant Refund Processing
Failed transactions trigger automatic refunds within seconds. Zero customer impact.
🔁 Provider Failover
Primary provider fails? Backup activates in under 2 seconds. Seamless for your agents.
📊 Real-Time Reconciliation
Automated reconciliation catches discrepancies before they become problems.
🚨 Intelligent Alerting
Smart alerts notify your team only when human intervention is actually needed.
🛡️ 95% Auto-Resolution
Platform resolves 95% of issues automatically — your team handles the remaining 5%.
Go Live as a Whitelabel Software Provider in 5 Steps
From agreement to first transaction — most whitelabel partners are live within 2-4 weeks.
Sign Agreement
Review and sign the whitelabel partnership agreement
Configuration
Your logo, domain, commission setup
Training
Comprehensive admin team training on whitelabel b2b software
KYC & Compliance
Business KYC with expert guidance
Go Live! 🚀
Start onboarding agents & customers for your AePS whitelabel business
24/7 Support for Your Whitelabel Business
Your success is our success. We're invested in your growth as a whitelabel software provider — not just your deployment.
24/7 Technical Support
Dedicated support team available round the clock
Rapid Response SLA
Critical issues resolved within 1 hour
Proactive Monitoring
We detect and resolve issues before you notice
Dedicated Account Manager
Your single point of contact for all needs
Training & Documentation
Comprehensive materials and video guides
Regular Updates
Monthly platform updates with new features
Frequently Asked Questions — Whitelabel Software Provider
Everything you need to know about starting your AePS whitelabel business and white label b2b software partnership.
Whitelabel b2b software is a ready-made fintech platform that you rebrand with your own logo, domain, and company name. NXT Banking whitelabel b2b software includes 48 modules covering AePS, BBPS, DMT, Payout, Recharge, KYC, and more — all with your custom branding. You get a complete AePS whitelabel business infrastructure without any development cost.
Starting an AePS whitelabel business with Laraware is simple: (1) Contact us to discuss your requirements, (2) Sign the whitelabel partnership agreement, (3) Configure your brand, domain & commission structure, (4) Complete business KYC & compliance, (5) Go live within 2 business hours. Our AePS whitelabel business package includes biometric transactions, 9-level distributor hierarchy, and automated commission distribution.
As India's leading whitelabel software provider, Laraware's NXT Banking includes: 48 fintech modules (AePS, BBPS, DMT, Payout, Recharge, KYC), 580+ REST APIs, 9-level distribution hierarchy with 693 permissions, automated GST+TDS management, multi-provider failover, custom branding with your domain, 24/7 support, and full RBI compliance. Everything you need to run a complete AePS whitelabel business.
NXT Banking whitelabel fintech software has a one-time OTC (One Time Cost) activation fee with lifetime access — no yearly renewals, no hidden charges. This is significantly more cost-effective than building custom fintech software from scratch. Contact us at 07314621515 or download our proposal for complete pricing details.
The 9-level distribution hierarchy in NXT Banking whitelabel b2b software manages: Admin, CTO, Whitelabel Partner, API User, Master Distributor, Partner, Distributor, Super Distributor, and Retailer — each with independent commission structures and fully automated distribution. This unique hierarchy is what makes our white label fintech software the most powerful platform for building a nationwide AePS distribution network.
Yes. NXT Banking whitelabel software is NPCI certified for AePS and BBPS, and fully RBI compliant. It includes automated GST/TDS management, complete 9-step KYC/AML verification, and all necessary security features for operating a licensed payment business in India.
With NXT Banking whitelabel software provider, you can go live in as fast as 2 business hours after configuration. The complete onboarding process (including KYC verification and training) typically takes 2-4 weeks. We provide dedicated support throughout to ensure your AePS whitelabel business launch is smooth.
Download Whitelabel Partner Proposal
Get the complete 60-page NXT Banking Whitelabel Partner proposal — every module, every feature, every detail you need to launch your whitelabel fintech business.
- Complete 48-module whitelabel platform walkthrough
- 9-level hierarchy & commission model details
- 16-step atomic transaction engine explained
- Automated tax management (GST + TDS)
- Multi-provider architecture & failover
- 580+ API endpoints documentation
- 1,080 automated tests proof
- AePS whitelabel business onboarding guide
- Daily/weekly/monthly operations guide
- Enterprise security & RBI compliance checklist
📥 Download Whitelabel Proposal (PDF)
Verify your mobile number to download the complete 60-page proposal
Enter OTP sent to your mobile
OTP sent via SMS & WhatsApp to
Verified Successfully!
Your whitelabel proposal is ready for download.