Agriculture APIs for rural financial services & farmer payments
Connect India's 140 million farming households to financial services — DBT cashout, last-mile money transfer, cooperative KYC, and FPO payments — using only Aadhaar and a biometric device.
The challenge for Agriculture
India's agricultural sector receives over ₹2.5 lakh crore annually in government transfers — PM-KISAN, MGNREGA, PM Fasal Bima Yojana, and state DBT programs — yet millions of farmers still travel 20–30 km to the nearest bank branch to access their own money. Biometric cashout at local agent points solves this, but requires certified AePS infrastructure that most agri platforms lack.
For agri-fintech, FPO lending platforms, and input finance companies, the challenge is assessing creditworthiness of farmers with no credit bureau history and verifying Jan Dhan accounts with minimal transaction history. Eko's agriculture stack addresses both the access problem and the credit assessment problem from one integration.
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All APIs you'll need
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Real-world use cases
PM-KISAN cashout at village level
Situation: An agri-platform wants to enable farmers in 500 villages to withdraw PM-KISAN instalments without travel to banks.
Integration: AePS-enabled village agents at local kirana stores. Farmers use Aadhaar + fingerprint; agents earn commission per transaction.
Result: 80,000 farmer withdrawals per month across 500 villages. Average travel time reduced from 2 hours to 5 minutes.
Input finance disbursals to FPO members
Situation: A seed company extends input credit to 10,000 FPO members and needs to disburse directly to individual farmer accounts.
Integration: Bank Account Verification confirms Jan Dhan accounts for all 10,000 farmers. Fund Transfer disburses credit directly — no cash handling by FPO managers.
Result: Input credit disbursal time from 3 weeks to same-day. Zero misappropriation incidents.
Agricultural MFI field collection
Situation: A Kisan credit cooperative collects weekly EMIs from 5,000 farmers across 50 villages.
Integration: Field officers use AePS biometric collection app. Each repayment is biometrically authenticated and instantly reconciled.
Result: Cash handling eliminated. Collection efficiency improved from 78% to 96%.
How to Integrate
Get started in minutes with our simple integration process
Sign Up
Sign up in minutes at ekostore.app/eps with your mobile number (OTP verify).
Verify Identity
Provide your PAN and bank account details to verify your account.
Test APIs Live
Load funds into your wallet and test the APIs live before integrating.
Integrate
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Go Live
Get production credentials and start processing real transactions.
Sign Up
Sign up in minutes at ekostore.app/eps with your mobile number (OTP verify).
Verify Identity
Provide your PAN and bank account details to verify your account.
Test APIs Live
Load funds into your wallet and test the APIs live before integrating.
Integrate
Send your developers to eps.eko.in/ai for free AI plugins & tools to integrate faster.
Go Live
Get production credentials and start processing real transactions.
Compliance & regulatory
NPCI AePS guidelines
Eko's dual-gateway AePS (FingPay + FINO) meets all NPCI OC 88/91 compliance requirements.
RBI BC framework
Village agents operate under Eko's BCNM licence — no separate bank license required.
Frequently Asked Questions
Does AePS work in areas without 4G connectivity?+
Yes. AePS needs only a minimal 2G data connection. Eko's dual gateway (FingPay + FINO) provides fallback for maximum success rates in low-connectivity zones.
How do village agents earn commissions?+
Agents earn ₹5–25 per AePS transaction and ₹10–30 per DMT transfer, settled daily to their Eko wallet or bank account.
Can I assess farmer creditworthiness without a bureau score?+
Yes. AePS transaction history and bank account verification can proxy income signals. For FPO lending, GST verification of the FPO entity supports credit assessment.
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