Fusion Codes provides AEPS API integration for business India retailers actually keep running, alongside a BBPS bill payment API for retailers and a DMT API for money transfer business, all inside one login instead of three separate vendor relationships to manage and reconcile every month.
Launch under your own brand with white label AEPS / BBPS / DMT software built on infrastructure already live in production, or connect directly to our AEPS API provider India stack and build your own front end on top of it.
Each service solves a different problem for a retailer, and most providers make you juggle three separate accounts to offer all three. Here's what each one actually does.
AEPS software with Aadhaar authentication lets a customer withdraw cash using just their Aadhaar number and a fingerprint scan, no card or PIN needed, effectively turning a retailer counter into a micro ATM.
A BBPS bill payment API for retailers brings electricity, water, gas, DTH and insurance payments into the same panel used for AEPS and DMT, so a retailer never sends a customer elsewhere for a bill payment.
Domestic money transfer (DMT) software moves cash directly into any bank account through IMPS, giving a customer without a bank branch nearby a fast, reliable way to send money home.
Not every business wants the same starting point, so the platform is available in the way that actually fits how you plan to sell it.
Launch under your own brand, with your logo and domain, on infrastructure that's already handling live transactions elsewhere, instead of building AEPS, BBPS and DMT integrations from zero yourself.
Connect directly to our AEPS, BBPS and DMT APIs and build your own retailer-facing app on top, if you already have a front end and just need the backend rails underneath it.
Pair the software with a biometric device to run a full micro ATM counter, letting a retailer offer cash withdrawal, mini statements and balance enquiry alongside everything else.
Eight components that come with every build, connected to the same dashboard instead of living as separate tools someone has to check one by one.
Every AEPS transaction is authenticated against Aadhaar in real time, so a withdrawal only completes once the customer's identity is verified biometrically, not just entered on a form.
Works with the fingerprint and iris scanner hardware most retailers already own, so switching providers doesn't mean buying new devices on top of a new software licence.
A retailer's own KYC is verified once during onboarding, and every customer-facing transaction across all three services inherits that same compliance layer underneath it.
Getting registered as a BBPS agent involves documentation and biller onboarding most retailers find confusing, so we handle the registration process directly rather than leaving you to figure it out alone.
Money moves through IMPS rails and lands in the recipient's account within seconds, not the next business day, which is exactly what a customer sending an emergency payment actually needs.
Connections to multiple sponsor banks mean a transaction has a fallback path if one bank's rail is briefly down, instead of an entire counter going offline because of a single connection.
Commission on every AEPS, BBPS and DMT transaction is calculated and settled automatically to the retailer's wallet, with distributor-level commission flowing through the same settlement engine.
One dashboard shows success rates, failures and settlement status across all three services, so a retailer or distributor isn't logging into three different report screens to understand one day's business.
We're based in Lucknow, and we work directly with retailers and distributors across Uttar Pradesh and beyond, not through a support queue in another city. Since you're already comparing local options, here's what's actually worth checking before you pick one.
The client changes size, from a single retailer counter to a distributor network spanning several states, but the platform underneath stays exactly the same. Here's what that actually means depending on where you're looking from.
Five stages, usually completed within two to three weeks.
Business KYC, bank tie-ups and BBPS agent registration are completed first, since these take longer than any of the actual software setup.
AEPS, BBPS and DMT APIs are connected and tested against multiple sponsor banks, so there's a fallback path if one connection has an issue.
Fingerprint and iris scanner hardware is paired and tested against the platform, whether that's existing devices or new ones sourced for the rollout.
For a white label build, your logo, colours and domain go live, and every transaction type is run end to end before any retailer goes live.
Retailers go live in a small batch first, with the same support desk that ran testing staying involved for settlement queries and new retailer onboarding afterward.
AEPS / BBPS / DMT software FAQs
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AEPS lets a customer withdraw cash using Aadhaar and a fingerprint, BBPS handles bill payments across categories like electricity and DTH, and DMT sends money directly into a bank account through IMPS.
Yes, a biometric fingerprint or iris scanner is required, and the platform works with most standard scanner models retailers already own.
DMT software with instant IMPS transfer typically completes within seconds, since it runs on the same IMPS rails banks use for their own instant transfers.
Commission and settlement system logic calculates commission on every transaction automatically and credits it to the retailer's wallet, with distributor-level commission flowing through the same engine.
Yes, the BBPS agent registration process, including documentation and biller onboarding, is handled directly rather than left for your team to figure out alone.
No, KYC verification for AEPS / DMT / BBPS is done once during onboarding, and every transaction across all three services inherits that same compliance layer.
Yes, white label AEPS / BBPS / DMT software carries your logo, colours and domain, with Fusion Codes running the infrastructure behind it.
Multi-bank integration for AEPS gives a transaction a fallback path through another connected bank, instead of the entire counter going offline.
Pricing depends on transaction volume and how many BBPS bill categories you need active, so a single retailer and a distributor network are quoted differently.
Yes, white label AEPS software for distributors lets a distributor onboard retailers under their own brand, with commission flowing through the hierarchy automatically.
Yes, existing retailer records and transaction history are migrated in as part of onboarding, so switching providers doesn't mean starting from zero.
Yes, usually run against a real Aadhaar authentication and transfer flow, so you're seeing the actual experience before signing anything.