Top AEPS Solution Providers in India Empowering Aadhaar-Enabled Digital Banking

In the rapidly growing Indian fintech landscape, AePS (Aadhaar Enabled Payment System) has emerged as a cornerstone of financial inclusion, enabling secure, biometric-based banking transactions for users in urban, semi-urban, and rural areas alike. Developed and regulated by the National Payments Corporation of India (NPCI), AePS allows individuals to perform essential banking activities such as cash withdrawals, balance enquiries, mini statements, fund transfers, and Aadhaar Pay directly through Aadhaar authentication — without requiring debit cards or traditional PINs — making it especially impactful in underbanked regions.
Wikipedia

Given the increasing demand for reliable and scalable digital payment infrastructure, several companies have distinguished themselves as leading AEPS solution providers in India. These firms not only offer robust APIs and software platforms but also help businesses, banking correspondents, and fintech startups integrate seamless, high-performance AEPS services into their operations.

One of the most recognized names in this domain is Eko India Financial Services. Eko provides a secure, industry-ready AEPS API solution that supports features such as instant merchant onboarding, high transaction success rates, competitive commission structures, and real-time settlement — all backed by strong technical support and easy integration tools. Their platform empowers partners to quickly launch AEPS services through well-documented APIs and SDKs.
Eko India Financial Services
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Another notable provider is IDSPay, which offers a comprehensive AEPS API suite designed to facilitate Aadhaar-based banking transactions across banks and regions. Their platform emphasizes secure biometric authentication, real-time processing, and pan-India bank coverage, making it suitable for fintech firms and banking partners looking to expand digital financial services to remote communities.
IDSPay

Scriza Private Limited has also emerged as a trusted AEPS service provider, focusing on a user-friendly API that enables a wide range of banking services, including cash deposits, withdrawals, balance checks, and fund transfers. With scalable technology and round-the-clock support, Scriza’s AEPS solution is built to handle high transaction volumes, ensuring reliability for both small retailers and large networks.
Scriza

In addition to these specialized API providers, there are broader fintech platforms like AnshPe, whose AePS API offerings seamlessly integrate basic banking functions into partner systems. AnshPe’s solution highlights smooth onboarding, interoperability with Aadhaar-linked bank accounts, and a focus on enhancing the customer experience with intuitive developer support.
AnshPe

Beyond pure technology service providers, larger networks and banking correspondents such as PayNearby, Spice Money, Bankit India, and Fino Payments Bank play a significant role in the AEPS ecosystem by combining extensive agent networks with reliable AEPS services. These companies are known for empowering thousands of retailers and local entrepreneurs with digital financial tools, contributing to financial inclusion across India.
AEPS Seva

When choosing an AEPS solution provider, important factors to consider include security compliance with NPCI standards, biometric device compatibility, real-time settlement capabilities, ease of API integration, and quality of technical support. A well-selected AEPS partner not only enhances operational efficiency but also helps build trust and convenience for end users accessing banking services through Aadhaar authentication.
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In summary, the AEPS ecosystem in India is supported by a diverse set of solution providers — from API specialists like Eko, IDSPay, and Scriza to large financial networks such as Spice Money and PayNearby — each contributing to the growth of India’s digital payment infrastructure and fostering greater financial inclusion throughout the country.
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