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The AEPS business opportunity allows retailers, shop owners, entrepreneurs and digital-service businesses to add Aadhaar-enabled banking services to their existing operations.
Aadhaar Enabled Payment System enables eligible customers to access supported banking services through authorized service points using Aadhaar authentication and biometric verification.
Mobisafar provides an AEPS platform offering services such as cash withdrawal, cash deposit, balance enquiry, mini statement and Aadhaar-to-Aadhaar fund transfer.
For a local retailer, AEPS can become an additional service alongside mobile recharge, bill payments, money transfer, Micro ATM and other digital services. Mobisafar currently promotes a multi-service platform for retailers and agents, allowing multiple services to be accessed through one platform.
If you want to start AEPS business, you can begin by joining an AEPS service network as an eligible agent or retailer.
The business model is based on providing supported banking services to customers and receiving applicable commissions for eligible transactions.
Mobisafar's current AEPS registration information describes the onboarding process around document submission, verification and approval. After successful onboarding, agents can access AEPS software and start providing applicable services.
How to Start AEPS Business
1. Register as an AEPS Agent
Submit your details through the applicable online registration process.
2. Complete KYC
Provide the required identity and business information for verification.
3. Get Your Account Activated
After verification and approval, the applicable AEPS services can be activated.
4. Access the AEPS Platform
Use the available application or portal to access eligible services.
5. Start Providing AEPS Services
Begin serving customers with supported cash withdrawal, balance enquiry, mini statement and other AEPS services.
6. Expand Your Business
Add services such as Money Transfer, Micro ATM, QR ATM, recharge and bill payment to create a broader digital-service business.
Mobisafar describes its onboarding process as quick and simple and promotes a wider range of services for agents and retailers.
The AEPS business model allows a retailer or agent to provide assisted banking services from a local business location.
For example, a mobile shop can provide:
This creates an opportunity to add financial services without operating a traditional bank branch.
Mobisafar currently promotes its platform as a multi-service ecosystem where agents can access different services through one login.
An AEPS retailer is a local business or service point that provides eligible AEPS services to customers.
AEPS retailers can include:
A retailer can use an existing shop to provide additional services to customers who need assisted banking.
Mobisafar supports a retailer network and provides AEPS along with Money Transfer, Micro ATM, QR ATM, CSP, POS and other services.
Benefits of Becoming an AEPS Retailer
An AEPS retailer can build a broader service offering around an existing business.
Customers can potentially visit the same outlet for:
Banking Services: Cash withdrawal, balance enquiry and mini statement.
Money Services: Domestic money transfer and other supported transfer services.
Digital Services: Recharge, bill payment and other available services.
Financial Services: Micro ATM, QR ATM, CSP and POS services.
This multi-service approach can help a retailer serve different customer requirements from one location.
An AEPS agent provides eligible Aadhaar-enabled banking services through an authorized AEPS platform.
Mobisafar's AEPS platform supports services including:
After completing the applicable onboarding process, an AEPS agent can use the available platform to perform supported transactions for customers.
AEPS Agent Earnings
An AEPS agent can earn applicable commission from eligible transactions.
The actual earning depends on factors such as:
Mobisafar's official terms state that commissions are communicated through the partner portal and can be adjusted according to the applicable arrangement.
AEPS agent registration is the process of enrolling with an applicable AEPS service provider to offer Aadhaar-enabled banking services.
Mobisafar's registration process includes submission of required information and documents followed by verification and approval.
The general process includes:
Submit Registration Details
Provide your name, mobile number, email address, address and other required information.
Complete KYC
Submit the applicable Aadhaar, PAN and other verification information.
Verification
The submitted information is reviewed according to the onboarding requirements.
Account Activation
After approval, the applicable agent account and services can be activated.
Start AEPS Services
Once activated, the agent can provide the supported AEPS services to customers.
Mobisafar's online registration process provides applicants with a digital route for starting the onboarding process.
AEPS commission is one of the most important factors when evaluating an AEPS business opportunity.
Mobisafar's published commission material currently shows different AEPS withdrawal slabs for direct agents and distributor-linked structures. The published withdrawal table includes transaction slabs from ₹500 to ₹10,000.
| AEPS Withdrawal Amount | MSD / Distributor | Direct Agent |
|---|---|---|
| ₹500–₹999 | ₹1 | ₹1 |
| ₹1,000–₹1,999 | ₹2 | ₹3 |
| ₹2,000–₹2,999 | ₹4 | ₹5 |
| ₹3,000–₹7,999 | ₹7 | ₹8 |
| ₹8,000–₹10,000 | ₹10 | ₹11 |
Mobisafar also publishes an AEPS cash-deposit commission structure.
| AEPS Deposit Amount | MSD / Distributor | Direct Agent |
|---|---|---|
| ₹100–₹500 | ₹0 | ₹0 |
| ₹501–₹1,000 | ₹1 | ₹1 |
| ₹1,001–₹2,000 | ₹2 | ₹2 |
| ₹2,001–₹3,000 | ₹3 | ₹3 |
| ₹3,001–₹5,000 | ₹5 | ₹5 |
| ₹5,001–₹10,000 | ₹6 | ₹6 |
Mobisafar's terms state that applicable commission rates are communicated through the portal and may be revised.
AEPS charges can include applicable registration fees, transaction-related charges or other commercial fees depending on the partner arrangement and service.
Mobisafar's current terms state that the Retailer, Distributor or Super Distributor is required to pay the applicable non-refundable registration fee according to the commercial terms defined by Mobisafar.
The terms also state that prices, charges, fees and discounts for Mobisafar services may be revised from time to time.
Therefore, the applicable AEPS charges should be checked against the current commercial terms and active partner portal before registration.
For an AEPS retailer, applicable costs can depend on the account category and commercial arrangement.
Before starting the business, retailers should review:
Mobisafar's terms state that commissions may be adjusted on a daily, monthly or transaction basis and that rates are communicated through the portal.
An AEPS distributor operates at a broader level than an individual retailer, depending on the applicable business arrangement.
A distributor can work with retailers and help expand an AEPS service network.
Mobisafar's terms recognize three partner categories:
The exact responsibilities, commercial structure, commission sharing and requirements can vary according to the applicable agreement.
AEPS Distributor Business
An AEPS distributor may support activities such as:
A distributor-level model can therefore be suitable for entrepreneurs who want to build a network rather than operate only as an individual AEPS retailer.
AEPS distributor earnings can depend on the applicable distributor structure, retailer network, transaction volume and commission-sharing arrangement.
Mobisafar's published AEPS commission material includes separate structures for distributor-linked and direct-agent transactions.
Mobisafar's terms also state that the company determines the applicable commission and margin-sharing arrangement and communicates commission rates through the partner portal.
| AEPS Retailer | AEPS Distributor |
|---|---|
| Serves customers directly | May support a network of retailers |
| Operates from a local service point | Can operate at a broader network level |
| Earns applicable transaction commission | May receive applicable distributor margin |
| Focuses on customer transactions | Focuses on retailer/network development |
| Suitable for shop owners | Suitable for network-oriented businesses |
The actual roles and commercial terms depend on the agreement with the service provider.
The AEPS business opportunity can be particularly relevant for businesses that already have customer footfall.
A mobile shop, grocery store or digital-service centre can add AEPS services alongside its existing business.
For example:
Mobile Shop + AEPS + Recharge + Bill Payment
or
Kirana Store + AEPS + Money Transfer + Micro ATM
or
Digital Centre + AEPS + PAN + Insurance + Bill Payment
Mobisafar provides multiple service categories through its platform, allowing retailers to build a broader service portfolio.
Starting an AEPS business does not necessarily mean offering only cash withdrawal.
Mobisafar's platform provides access to multiple services, including:
This gives an AEPS agent or AEPS retailer the opportunity to create a broader digital-service outlet.
The investment required to start an AEPS business depends on the partner category and applicable commercial terms.
Potential costs can include:
Mobisafar's terms state that registration fees are non-refundable and are determined according to the commercial terms defined by the company.
Mobisafar's homepage currently promotes the opportunity to grow a business with minimal one-time investment and zero working capital for its broader service ecosystem, but individual AEPS arrangements can have their own applicable requirements.
The earning potential of an AEPS business depends primarily on transaction activity and the applicable commission structure.
For example, a retailer processing more eligible transactions may generate more total commission than a retailer with low customer activity.
However, earnings should be calculated using the current commission rates shown in the partner's active portal rather than assuming a fixed monthly income.
Important factors include:
Security is an important part of an AEPS business.
Mobisafar's AEPS platform describes biometric authentication and secure transaction processing as part of its service model.
AEPS agents should protect their login credentials, use authorized devices and follow the applicable transaction procedures.
Customers should never share confidential credentials such as ATM PINs or UPI PINs with an AEPS retailer or agent.
Mobisafar provides AEPS as part of a wider digital financial-services ecosystem.
The platform offers:
Mobisafar states that its services can be accessed through one platform and one login, giving retailers the ability to manage multiple service categories.
Customer Care: 0161-5015050
Email: care@mobisafar.com
Support Hours: 9 AM to 6 PM, Monday to Saturday.
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AEPS withdrawal commissions from ₹1 to ₹11 per transaction, depending on the slab and agent type.
AEPS cash deposits above ₹500 earn up to ₹6 per transaction.
Start at your own counter or build a retailer network as a distributor.
Add Money Transfer, Micro ATM, QR ATM, recharge, bill payments, PAN and insurance to grow your income.
Call 0161-5015050 or email care@mobisafar.com, 9 AM to 6 PM, Monday to Saturday.
Our Common Queries (FAQs) section is designed for provide quick
answers to
the most frequently asked questions.
The AEPS business opportunity can allow retailers, agents and distributors to add Aadhaar-enabled banking services to an existing business or develop a dedicated digital financial-services operation.
To start AEPS business, an applicant can complete the applicable AEPS agent registration, submit the required KYC information and activate eligible services after verification.
Mobisafar provides AEPS services including cash withdrawal, cash deposit, balance enquiry, mini statement and Aadhaar-to-Aadhaar fund transfer. It also provides Money Transfer, Micro ATM, QR ATM, CSP, POS and other digital services.
The AEPS commission depends on the applicable transaction and partner arrangement, while AEPS charges can include registration fees and other applicable commercial costs. Mobisafar's current terms state that commission rates, prices and charges may be revised and communicated through the partner portal.
Whether you want to become an AEPS retailer, AEPS agent or AEPS distributor, Mobisafar provides a platform for building a broader assisted financial-services business.
