Product 04 // Retail Banking & Financial Services
smartFintech: AEPS, BBPS & Digital Financial Services
Transform your retail store into an authorized digital banking point. Offer Aadhaar Enabled Payment System (AEPS) biometric cash withdrawal, Bharat Bill Payment System (BBPS) utility collections, Domestic Money Transfer (DMT), and next-day early COD remittances.
Turn footfall into commission income while eliminating cash flow bottlenecks
Local retail stores and merchant counters are the trusted physical touchpoints of Bharat. With smartFintech, any shopkeeper can offer essential banking services—cash withdrawals via Aadhaar biometric authentication, utility bill payments across 20,000+ national providers, and money transfers—while eCommerce sellers unlock next-day Early COD remittances.
Aadhaar Enabled Payment System (AEPS)
Turn your counter into an authorized banking point offering biometric cash withdrawal, balance enquiry, and mini-statement for customers of any Indian bank.
Bharat Bill Payment System (BBPS)
Facilitate one-stop bill payments for electricity, water, gas, broadband, FASTag, and mobile recharges with automated instant commission splits.
Domestic Money Transfer (DMT)
Send money to any bank account across India 24/7 via IMPS and NEFT rails with sub-second confirmation and minimal merchant charges.
Instant Early COD Remittance
Stop waiting 7 to 14 days for courier partners to remit Cash-on-Delivery collections. Get paid next-day directly to your bank account.
Certified Banking Rails by NPCI & RBI
Built upon government-authorized digital financial infrastructure for seamless reliability.
Biometric UIDAI Auth
Certified RD Service integration with standard biometric scanners for Aadhaar-authenticated cash transactions.
Official BBPS Rail
Direct integration with NPCI's Bharat Bill Payment Operating Unit for instant receipt generation and complaint tracking.
256-Bit SSL Encryption
Bank-grade data encryption and session authorization ensuring zero leakage of sensitive customer financial details.
Instant Commission Credit
Transparent per-transaction commission splits with real-time passbook ledger and automated tax compliance.
Essential Financial Services for Every Counter
Empower your community with cash withdrawals, bill payments, and money transfers while earning steady commission income.
AEPS Biometric Banking & Cash Withdrawal
Accept customer fingerprint verification to process instant cash withdrawal, balance check, and mini-statements across all national and regional banks.
BBPS Multi-Utility Bill Collection
Collect payments for electricity boards, piped gas, municipal taxes, broadband, DTH, water bills, and loan EMIs on NPCI's official BBPS network.
24/7 Domestic Money Transfer (DMT)
Enable instant assisted money remittance to any bank account in India via secure IMPS rails with immediate SMS receipt dispatched to the sender.
Micro-ATM (mPOS) Card Cash-Out
Deploy a compact portable card reader device allowing debit card holders to withdraw cash and check account balances at your counter.
Early COD Settlement (T+1 & Same-Day)
Automated remittance of Cash-on-Delivery orders straight to your account as soon as delivery is confirmed by the courier partner.
Real-Time Commission Wallet & Ledger
Instant automated credit of merchant commissions for every AEPS, BBPS, and DMT transaction with downloadable tax-compliant statements.
Steady Commission & Instant Working Capital
Zero setup complexity, paperless digital onboarding, and immediate daily earnings.
Retailers serving regular banking footfall generate steady monthly commission revenue from AEPS, BBPS, and DMT transactions.
Offering banking and utility bill collection services attracts neighborhood walk-ins who also purchase your retail goods.
Operate with absolute peace of mind through authorized scheduled commercial banking rails with 256-bit encryption.
eCommerce sellers eliminate frozen cash flow by receiving daily early COD remittances instead of waiting weeks.
Who Uses smartFintech?
From neighborhood general stores to fast-growing eCommerce brands.
Retail Shopkeepers & Dukandars
Kirana, medical, and mobile shop owners wanting to serve neighborhood residents who need cash withdrawal, money transfers, and bill payment services.
Converted shop into a mini-bank kiosk; earned ₹15,000 to ₹25,000 monthly in net commissions and boosted footfall.
Customer Service Point (CSP) Operators
Rural and semi-urban service center operators delivering assisted banking services to unbanked or underbanked citizens.
Processed 1,200+ AEPS withdrawals and bill collections monthly with 99.8% uptime and instant SMS transaction alerts.
High-Volume eCommerce Sellers
Direct-to-consumer and marketplace sellers shipping 60%+ orders on COD who need fast daily cash settlement.
Switched to Early COD; received morning bank payouts daily and scaled advertising campaigns without cash shortages.
Related Products & Services
Start Offering AEPS & BBPS Services Today
Speak with our banking onboarding team to activate your retailer CSP portal, receive your biometric device, or enable Early COD remittances.