Fintech API Solutions

Fintech APIs
Built for India

Power your platform with production-ready APIs for AEPS, DMT, BBPS, KYC, and more. Go live in 2–5 days with dedicated integration support.

RBI & NPCI compliant infrastructure
Sandbox environment for testing
Dedicated integration support
2–5 day go-live timeline
aeps-cashout.js
// Initialize MJ Digital API
const mj = new MJDigitalAPI({
  apiKey: process.env.MJ_API_KEY,
  env: "sandbox"
});

// AEPS Cash Withdrawal
const result = await mj.aeps.cashout({
  aadhaarNumber: "XXXX XXXX 1234",
  amount: 2000,
  agentCode: "AGT001"
});

console.log(result.status);
// "success"
6+
API Categories
99.9%
Uptime SLA
2–5
Days to Go Live
400+
Banks Supported
API Catalogue

Everything your fintech needs,
one integration away

Six categories of production-ready APIs — all under one agreement, one set of credentials, one support team.

BC APIs

AEPS — Aadhaar Enabled Payment System

Enable biometric cash withdrawals, balance enquiries, and mini statements using Aadhaar authentication. No debit card or PIN required.

  • Cash Withdrawal
  • Balance Enquiry
  • Mini Statement
  • Aadhaar Pay
  • eKYC
Payment APIs

DMT — Domestic Money Transfer

Instant money transfer to 400+ banks across India via IMPS and NEFT. High success rates with real-time transaction status.

  • IMPS Transfer
  • NEFT Transfer
  • 400+ Banks
  • Real-time Status
  • T+0 Settlement
Payment APIs

BBPS — Bharat Bill Payment System

Integrate bill payments for electricity, gas, water, DTH, broadband, insurance, loan EMIs, and 200+ biller categories.

  • 200+ Billers
  • Electricity & Gas
  • Loan EMI
  • DTH & Broadband
  • 24/7 Availability
Verification APIs

KYC & Identity Verification

Complete KYC suite — PAN, Aadhaar, Bank Account, GST, Driving Licence, Voter ID, Vehicle RC, and 15+ more verification APIs.

  • PAN Verification
  • Bank Account
  • GST Verification
  • Driving Licence
  • Voter ID
Payment APIs

Recharge & DTH

Mobile recharge, DTH recharge, data card, and landline recharge for all major operators. Real-time confirmation on every transaction.

  • Mobile Recharge
  • DTH Recharge
  • Data Card
  • All Operators
  • Instant Confirmation
Payment APIs

FASTag Recharge

NETC-compliant FASTag wallet recharge for all major banks. Enable toll payment top-ups directly from your platform.

  • All Bank FASTags
  • NETC Compliant
  • Instant Top-up
  • Vehicle Lookup
  • Balance Check
Use Cases

Built for every fintech
business model

Whether you're a kirana store owner or a funded fintech startup — our APIs fit your business.

Kirana & Retail Stores

Turn any shop into a mini-ATM. Offer AEPS cash withdrawal, DMT, and bill payments to walk-in customers and earn commissions.

BC Agents & CSP Networks

Become a banking point for your community. Power your agent network with AEPS, DMT, and BBPS under your own brand.

NBFCs & MFIs

Automate KYC verification, enable loan disbursements via DMT, and collect repayments through BBPS — all via one API.

Fintech Startups

Launch your own fintech product without building infrastructure from scratch. Focus on your product — we handle the plumbing.

Travel & Recharge Portals

Add mobile recharge, DTH, and FASTag top-up to your existing travel or e-commerce platform with minimal integration effort.

White Label Resellers

Resell our API suite under your own brand. Full white-label support with your logo, domain, and commission structure.

Integration Process

Go live in
4 simple steps

From first contact to production in 2–5 business days. Our team handles the complexity — you focus on your product.

01
Contact & Onboarding
Reach out to our team. We'll understand your use case, share pricing, and initiate your KYC & business verification.
02
Get Sandbox Credentials
Receive your sandbox API key and secret. Access our full API documentation and start testing with mock responses — no real money involved.
03
Integrate & Test
Integrate our REST APIs into your platform. Our technical team is available on WhatsApp and email throughout your integration.
04
Go Live in 2–5 Days
Once testing is complete and compliance checks pass, receive your production credentials and go live. Real transactions, real commissions.
Security & Compliance

Enterprise-grade security.
Full regulatory compliance.

Every API call is secured with asymmetric cryptography. Your data and transactions are always protected.

RBI Compliant
Authorised BC operations, data residency India
NPCI Certified
Certified for AEPS, BBPS, and UPI flows
Aadhaar Ready
UIDAI & STQC certified biometric integration
AML/CFT
Anti-money laundering compliance built-in
Data Residency
All data stored exclusively within India
99.9% SLA
Enterprise-grade uptime with multi-bank failover
Ready to Integrate?

Start building with
MJ Digital APIs

Get sandbox access today. Our team will guide you from integration to go-live in 2–5 business days.

business@mjdigitalservices.com·Mon–Sat, 9:30 AM – 6:30 PM IST