Transparent API pricing & partner commissions

A one-time setup fee of ₹6,000 per verification API (excl. GST) applies, plus ₹20,000 per BC/Payments API family for DMT, AePS and BBPS. It is currently 50% off as a limited-time offer. A full waiver is also available against a higher monthly volume commitment. The calculator shows the exact one-time fee for your selection.

No. All listed rates are exclusive of GST, which is charged at 18%. The calculator lets you toggle the total between GST-inclusive and GST-exclusive views. Add your GST number on the Connect portal for GST-compliant invoices.

No. You are only billed for successful API responses. Failed or errored calls are not counted toward your usage — see Status & Error Codes for how success is determined.

Yes. Sandbox access is free — sign up, test every API end-to-end with sample data, and move to production whenever you're ready. You can also run our offline mock server (npx -y @ekoindia/eps-mock-server) with no signup at all.

Commercials are subject to change based on service-provider terms. Any revision is communicated in advance, and your dashboard always reflects the rates applicable to your account.

The sender pays a 1% transaction fee (minimum ₹10) which is inclusive of 18% GST — nothing is added on top. Stripping the GST out gives the taxable value; Eko's flat charge of ₹2.80 per transaction comes off that, and the remainder is your commission. On a ₹5,000 transfer: ₹50.00 fee → ₹42.37 taxable → less ₹2.80 → ₹39.57 gross commission, or ₹38.78 after TDS.

DMT commission is notified under reverse charge, so the GST on your commission is paid to the government by Eko rather than collected and remitted by you. Raise your invoice to Eko with the RCM option set to "YES" and no GST line on it. Please confirm the treatment for your own registration with your accountant.

Yes. TDS @ 2% is withheld on your monthly commission, as required by law. The calculator shows both gross commission and the after-TDS figure.

Registering a new sender costs ₹11 + GST (₹12.98), charged once per sender. Verifying a new recipient's bank account costs ₹3.25 (incl. GST), charged once per recipient — not per transfer. Both are debited from your wallet; you are free to recover them from your customer in your own app.

₹5,000 per transaction. Larger payouts should be split across transfers, subject to the sender's KYC limits.

AePS cash withdrawals earn 0.40% of the amount for transactions of ₹101–₹3,000 and a flat ₹13 for ₹3,001–₹10,000. Mini statements earn ₹0.75 per transaction. Fund settlements carry a small charge of ₹5–₹10 + GST depending on the settlement amount.

The calculator uses category-level rates (conservative, lowest operator rate where rates vary). The downloadable Excel rate card lists commission for every BBPS operator — 100+ billers across electricity, insurance, EMI, FASTag, prepaid and more.

Yes — a one-time setup fee of ₹20,000 per API family (excl. GST) applies. DMT, AePS and BBPS are one API each, so enabling six BBPS bill categories still carries a single BBPS fee. It is currently 50% off as a limited-time offer. A full waiver is also available against a higher monthly volume commitment.

No. All commission figures are exclusive of GST @ 18%. Add your GST number on the Connect portal for GST-compliant invoices.

The one-time setup fee of ₹75,000 + GST applies per bank, per user and covers the virtual-account and BaaS infrastructure integration with that bank.

HDFC, IDFC FIRST, RBL and SLICE. Each bank integration is set up separately per user.

₹8 per transaction (excl. GST) for amounts of ₹100–₹25,000 and ₹15 per transaction for ₹25,001–₹50,000.