--- type: "solution pack" title: "Assisted Banking Agent Pack — AePS, DMT, BBPS | Eko" description: "Turn kirana stores & CSP agents into banking touchpoints. AePS biometric withdrawal + DMT remittance + BBPS bill payment in one integrated bundle. RBI & NPCI compliant." keywords: "aeps dmt bbps bundle, agent banking api bundle india, white label bc api, csp api platform, kirana banking api" slug: "assisted-banking-agent-pack" category: "agent-banking" canonical: "https://eps.eko.in/solutions/assisted-banking-agent-pack" --- > **Canonical URL:** https://eps.eko.in/solutions/assisted-banking-agent-pack > _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._ # Assisted Banking Agent Pack Turn any kirana, CSP, or retail counter into a complete banking touchpoint — cash withdrawal, money transfer, bill payments, and wallet services in one integrated bundle. _AePS + DMT + BBPS for kirana & CSP networks_ To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707 ## APIs in this pack - [AePS Cashout](https://eps.eko.in/products/aeps-api) ([markdown](https://eps.eko.in/products/aeps-api.md)) - [DMT](https://eps.eko.in/products/dmt-api) ([markdown](https://eps.eko.in/products/dmt-api.md)) - [BBPS](https://eps.eko.in/products/bbps-api) ([markdown](https://eps.eko.in/products/bbps-api.md)) - PPI DigiKhata - Mobile OTP - SMS ## Trust Signals - Powering 200K+ agent touchpoints - NPCI & RBI compliant - 99.9% uptime ## What This Pack Does Enable any retailer in India to offer assisted banking services to walk-in customers — biometric cash withdrawal, instant money transfer, utility bill payments, and prepaid wallets — from a single integration. No bank branch required. ## Included APIs ### [AePS Cashout](https://eps.eko.in/products/aeps-api) **What it does:** Aadhaar-authenticated biometric cash withdrawal at agent points via FingPay & FINO gateways. **Why it matters:** The core service that turns a retail counter into a micro-ATM. Serves the 200–300 million Indians who can't use UPI or mobile banking. ### [Domestic Money Transfer (DMT)](https://eps.eko.in/products/dmt-api) **What it does:** Cash-to-bank-account remittance via IMPS/NEFT under RBI's BC model. **Why it matters:** Lets agents accept cash from migrant workers and transfer it to family bank accounts in real time. Pairs with AePS to complete the urban-to-rural remittance loop. ### [Bill Payment (BBPS / Bharat Connect)](https://eps.eko.in/products/bbps-api) **What it does:** Pay 25+ biller categories — electricity, gas, DTH, broadband, EMI, insurance — through a single integration. **Why it matters:** Drives footfall and frequency. Bills are paid every month, so customers come back every month. ### PPI DigiKhata (Prepaid Wallet) **What it does:** Issue and manage RBI-compliant prepaid wallets for end customers. **Why it matters:** Lets agents onboard customers into a digital wallet, opening up gift cards, loyalty, and recurring payments. ### Mobile OTP **What it does:** Send and verify OTPs across telecom networks. **Why it matters:** Required for daily agent authentication, customer verification, and transaction confirmation. ### Send SMS **What it does:** Transactional SMS delivery for receipts, alerts, and notifications. **Why it matters:** Every transaction generates a customer receipt — critical for trust and dispute resolution in cash-handling environments. ## How It Works 1. Customer walks into agent shop 2. Agent identifies service: Withdraw / Send / Pay Bill 3. AePS: Aadhaar + biometric → instant cash; DMT: Beneficiary + amount → instant transfer; BBPS: Biller + customer ID → bill paid 4. Customer gets SMS receipt 5. Agent earns commission, settled to wallet ## Industries Using This Pack - [Kirana & Retail](https://eps.eko.in/industries/kirana-retail) ([markdown](https://eps.eko.in/industries/kirana-retail.md)) - [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)) ## FAQs ### How long does AePS agent activation take? Agent activation typically takes 24–48 hours after KYC submission. The sandbox environment is available immediately upon signup. ### Which biometric devices does Eko support? Eko supports 5 STQC-certified biometric devices including Mantra MFS100, Morpho MSO1300, and Startek FM220U, among others. ### How does Eko's dual-gateway (FingPay + FINO) improve success rates? When one gateway experiences downtime or congestion, the system automatically routes to the other, maintaining high transaction success rates even during peak periods. ### Can I white-label this entire stack under my own brand? Yes. Eko offers full white-labeling options. Your branding on the agent app, receipts, and customer-facing touchpoints. Contact our sales team for licensing details. ### Do agents need a BC license individually? No. Under Eko's BCNM (Business Correspondent Network Manager) license, individual agents operate as sub-agents of Eko. They need to complete Eko's onboarding and KYC process. ### How does commission settlement work? Agent commissions are settled daily to their registered bank accounts or Eko wallet. The settlement cycle is T+1 for most transaction types. ## Related Solutions - [Rural Financial Services Pack](https://eps.eko.in/solutions/rural-financial-services-pack) — Lighter version with PAN Lite + Bank Verification add-ons ([markdown](https://eps.eko.in/solutions/rural-financial-services-pack.md)) - [Migrant Remittance Hub Pack](https://eps.eko.in/solutions/migrant-remittance-hub-pack) — Optimized for urban migrant corridors ([markdown](https://eps.eko.in/solutions/migrant-remittance-hub-pack.md)) - [MFI Field Operations Pack](https://eps.eko.in/solutions/mfi-field-operations-pack) — For microfinance field collection & disbursals ([markdown](https://eps.eko.in/solutions/mfi-field-operations-pack.md))