Banking APIs for India's kirana stores
Turn any neighbourhood shop into a banking touchpoint with cash withdrawal, money transfer, and bill payments — all from a single app.
The challenge for Kirana & Retail
India's 12 million kirana stores are the most trusted touchpoints in Tier 2–5 India. Yet most can only sell goods. Eko enables any kirana owner to offer banking services — biometric cash withdrawal, money transfer, and bill payments — earning additional income while serving the community.
Recommended solution packs
Pre-bundled API stacks designed for your industry workflow.
All APIs you'll need
Every Eko API relevant to your industry, with relevance indicators.
Real-world use cases
Neighbourhood bank
Situation:A kirana store owner in a Tier 3 town wants extra income.
Integration:Assisted Banking Agent Pack turns the shop into a banking point. AePS, DMT, and BBPS all run from one app.
Result: ₹15,000–30,000/month additional income from banking commissions.
Why Eko for Kirana & Retail
One app, all services
AePS, DMT, BBPS, and wallet — all from a single agent app on the shop owner's phone.
Earn on every transaction
₹2–25 commission per transaction with daily settlement.
No bank branch needed
Serve customers who have no access to banks or ATMs.
Brand trust
Eko's RBI-compliant platform builds customer trust in your shop.
How to Integrate
Get started in minutes with our simple integration process
Sign Up
Create an account on Connect App and get your sandbox credentials.
Submit KYC
Complete your business KYC verification process.
Integrate APIs
Use our comprehensive documentation to integrate the APIs.
Test in Sandbox
Test your integration thoroughly in our sandbox environment.
Go Live
Get production credentials and start processing real transactions.
Sign Up
Create an account on Connect App and get your sandbox credentials.
Submit KYC
Complete your business KYC verification process.
Integrate APIs
Use our comprehensive documentation to integrate the APIs.
Test in Sandbox
Test your integration thoroughly in our sandbox environment.
Go Live
Get production credentials and start processing real transactions.
Compliance & regulatory
RBI BC Directions
Kirana operators work as sub-agents under Eko's BCNM license.
Frequently Asked Questions
How much can a kirana store earn?+
Active agents typically earn ₹15,000–30,000/month in commissions from AePS withdrawals, DMT transfers, and BBPS bill payments.
What equipment is needed?+
A smartphone and a STQC-certified biometric device (₹2,000–3,000). No other infrastructure needed.
Is training provided?+
Yes. Eko provides video tutorials, in-app guidance, and distributor-level field support for agent onboarding.
Get API Access Now
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- Dedicated integration support
- Comprehensive documentation
- 99.9% uptime guarantee
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