---
type: "industry"
title: "Kirana Banking APIs | Eko Platform Services"
description: "Turn kirana stores into banking touchpoints. AePS cash withdrawal, DMT money transfer, BBPS bill payments. ₹15K–30K/month agent income."
keywords: "kirana api india, retail banking api india, digital kirana platform"
slug: "kirana-retail"
category: "agent-retail"
canonical: "https://eps.eko.in/industries/kirana-retail"
---


> **Canonical URL:** https://eps.eko.in/industries/kirana-retail
> _This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above._

# 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.

To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707

## Trust Signals

- 200K+ retail touchpoints
- Pan-India coverage
- 99.9% uptime

## The Challenge

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

### Assisted Banking Agent Pack _(featured)_
Complete banking suite — AePS + DMT + BBPS.

**Includes:** AePS, DMT, BBPS, PPI DigiKhata, OTP, SMS

[View solution pack](https://eps.eko.in/solutions/assisted-banking-agent-pack)

### Migrant Remittance Hub Pack
Optimized for shops near factories and industrial zones.

**Includes:** DMT, AePS, Mobile OTP

[View solution pack](https://eps.eko.in/solutions/migrant-remittance-hub-pack)

## Recommended APIs

| API | Description | Relevance | Link | Markdown Link |
| --- | --- | --- | --- | --- |
| AePS Cashout | Turn your counter into a micro-ATM | High | [Details](https://eps.eko.in/products/aeps-api) | [Markdown](https://eps.eko.in/products/aeps-api.md) |
| DMT | Money transfer for walk-in customers | High | [Details](https://eps.eko.in/products/dmt-api) | [Markdown](https://eps.eko.in/products/dmt-api.md) |
| BBPS | Bill payments that bring customers daily | High | [Details](https://eps.eko.in/products/bbps-api) | [Markdown](https://eps.eko.in/products/bbps-api.md) |

## Use Case Scenarios

### 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.

**Outcome:** ₹15,000–30,000/month additional income from banking commissions.

## Why Eko

### 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.

## Integration Steps

1. **Sign Up** — Create an account on Connect App and get your sandbox credentials.
2. **Submit KYC** — Complete your business KYC verification process.
3. **Integrate APIs** — Use our comprehensive documentation to integrate the APIs.
4. **Test in Sandbox** — Test your integration thoroughly in our sandbox environment.
5. **Go Live** — Get production credentials and start processing real transactions.

## Compliance

### RBI BC Directions
Kirana operators work as sub-agents under Eko's BCNM license.

## FAQs

### 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.

## Related Industries

- [Agent Networks (CSP/BC)](https://eps.eko.in/industries/agent-networks-csp) ([markdown](https://eps.eko.in/industries/agent-networks-csp.md))
- [Microfinance](https://eps.eko.in/industries/microfinance) ([markdown](https://eps.eko.in/industries/microfinance.md))
- [Agriculture](https://eps.eko.in/industries/agriculture) ([markdown](https://eps.eko.in/industries/agriculture.md))