AePS API for Cash Withdrawal, Balance Enquiry & Mini Statement
Enable Aadhaar-based banking services through secure AePS APIs. Let your retailers, agents, or assisted-service network offer cash withdrawal, balance enquiry, and mini statement services using Aadhaar authentication.
Key Features
Everything you need to integrate and scale
Cash Withdrawal
Enable customers to withdraw cash from any bank account using Aadhaar and biometric authentication.
Balance Enquiry
Check account balance instantly using Aadhaar number and fingerprint verification.
Mini Statement
Retrieve the last few transactions for any Aadhaar-linked bank account.
Biometric Authentication
Secure transactions with Aadhaar-based biometric verification using UIDAI.
Multi-Bank Support
Connect to all major banks in India through a single integration.
Why Choose Eko?
Financial Inclusion
Bring banking services to rural and underbanked populations without traditional infrastructure.
No Debit Card Required
Customers only need their Aadhaar number and fingerprint - no cards or PINs needed.
Secure & Compliant
UIDAI-certified biometric authentication ensures secure and compliant transactions.
Build Retailer Network
Enable local retailers to become banking points and earn commissions.
24/7 Operations
Provide banking services round the clock, even in areas without bank branches.
Easy Integration
Simple REST APIs with comprehensive documentation and sandbox environment.
Primary Use Cases
How to Integrate
Get started in minutes with our simple integration process
- 1
Sign Up
Sign up in minutes with your mobile number (OTP verify).
- 2
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
- 3
Test APIs Live
Load funds into your wallet and test the verification APIs live — evaluate before you integrate.
- 4
Integrate with AI
Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
- 5
Onboard Retailers
Start onboarding retailers to offer AePS services.
- 6
Go Live
Launch your AePS services and start serving customers.
Frequently Asked Questions
What biometric devices are supported?+
We support all UIDAI-certified biometric devices including Morpho, Mantra, Startek, and others.
How do I get started?+
Sign up at ekostore.app/eps, verify your identity with your PAN and address details, load your wallet to test the verification APIs live, then integrate and go live.
What is EPS?+
EPS (Eko Platform Services) is the technology arm of Eko, providing the developer tools, AI tools, and APIs that power modern fintech integration.
What are the different ways to integrate with Eko EPS?+
Integrate in whichever way suits your stack: call the REST APIs directly, use our official SDKs (JavaScript and PHP) to skip request-signing boilerplate, or let an AI coding agent build the integration using our MCP server and skills. See the Developers and AI sections for each path.
How does API authentication work?+
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an HMAC-SHA256 signature of the current timestamp, keyed by your access key. The access key itself is never sent over the wire. You receive UAT keys on signup and production keys after KYC.
Is there a sandbox environment for testing?+
Yes. A full sandbox environment is available immediately on signup. You can test your integration end-to-end before going live — no commitment required.
What are the sandbox and production base URLs?+
Sandbox and production share the same paths and differ only by base URL: use https://staging.eko.in/ekoapi/v3 for UAT / Sandbox, and https://api.eko.in/ekoicici/v3 for Production. A common cause of failures is calling the sandbox/staging URL with live credentials (or vice-versa) — make sure the base URL matches the keys you are using.
Do I need to whitelist my server IP?+
Production API access may require your static public (server) IP to be whitelisted. If your calls work from Postman but fail or time out from your own server, share your static public IP with us so we can whitelist it.
What response times can I expect?+
Most verification APIs return in real time with sub-second responses, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How is API usage billed?+
Usage is billed per successful API call with no minimum commitment. Volume-based pricing tiers are available — contact our team for detailed rates.
Recommended Solution Packs
Pre-bundled API stacks that include AePS API, designed for common industry workflows.
Get API Access
Sign up now and start integrating in minutes. Our team will help you go live quickly.
- Sandbox access in minutes
- Dedicated integration support
- Comprehensive documentation
- Reliable, high-volume workflows
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