Software
AePS, DMT and BBPS Software: One Fintech Platform for Your Retail Network
Across small towns and villages, the neighbourhood retailer has become a mini bank branch. Customers walk in to withdraw cash with their fingerprint, send money to family in another state or pay an electricity bill. For the business behind that retailer network, each of those transactions earns commission. Running such a network needs AePS DMT BBPS software that connects services, wallets and commissions across every level of the chain. Sysfo FinTech brings it all together under one promise: one network, every payment.
Across small towns and villages, the neighbourhood retailer has become a mini bank branch. Customers walk in to withdraw cash with their fingerprint, send money to family in another state or pay an electricity bill. For the business behind that retailer network, each of those transactions earns commission.
Running such a network needs AePS DMT BBPS software that connects services, wallets and commissions across every level of the chain. Sysfo FinTech brings it all together under one promise: one network, every payment.
What AePS, DMT and BBPS mean
Service | Full form | What the customer does |
|---|---|---|
AePS | Aadhaar Enabled Payment System | Withdraws or deposits cash, checks balance or gets a mini statement using Aadhaar and fingerprint |
DMT | Domestic Money Transfer | Sends money to any bank account |
BBPS | Bharat Bill Payment System (Bharat Connect) | Pays electricity, mobile, DTH, FASTag, credit card, gas, water and other bills |
Services included in Sysfo FinTech
- AePS: cash withdrawal and deposit, balance enquiry, mini statement and merchant eKYC
- DMT 1 and DMT 2: money transfer on two vendors side by side, with fee preview and OTP confirmation
- BBPS: bill payments via Bharat Connect
- AePS Settlement: retailer payouts to bank by IMPS, NEFT or RTGS, with a live fee quote
- Optional bank-account verification for recipients and payees
Four role-based panels
Admin console (55 screens). Create and manage partners, approve KYC, reset credentials and PINs, approve wallet top-ups, run wallet-to-wallet transfers and liens, manage support tickets and live chat, send broadcasts, switch API vendors per service (Live, Sandbox or Simulated), turn services on or off live, set roles, permissions and commission slabs, and search a full audit log.
Super Distributor panel. Manage distributors, credit or debit their wallets, handle top-up requests, transfer funds and view commission share.
Distributor panel. Manage retailers, credit or debit retailer wallets, handle top-ups and see top-performing retailers.
Retailer panel (28 screens). Use all five services, manage Main, AEPS and PG wallets, request settlement and top-ups with receipt upload, view reports and raise support tickets, in light or dark theme.
Retailer mobile app (Android and iOS). PIN or fingerprint login, live wallet balances, AePS, DMT, BBPS and reports on the go.
Wallets and automatic commission
Every transaction is written to a wallet ledger. Commission slabs are set by amount range and split automatically across Retailer, Distributor and Super Distributor. A commission ledger labels each credit with the service and reference, and earnings can be settled to a bank account. If a payout fails, the amount is refunded to the wallet automatically.
Bring your own API providers
You work with the banks, NPCI partners and API providers you contract with. The admin can switch vendors per service and test in Sandbox or Simulated mode before going live. Credentials are stored securely. AePS supports RD Service-compatible fingerprint scanners.
Security built for money movement
- Role-based permissions (120+ permissions)
- Transaction PIN for every money movement
- Trusted-device login and email OTP for admins
- Daily biometric login for AePS
- Masked Aadhaar numbers, which the page says are never stored
- Full audit log and live service switches
Reports
Each service has its own report, plus a merged All Services report with filters, summary cards and CSV export. Wallet reports also export to Excel and PDF or print.
Platform scale
Item | Value |
|---|---|
Role-based panels | 4, plus website and mobile app |
Ready screens | 160+ across web and app |
Permissions | 120+ |
Secure API endpoints | 400+ |
Stored procedures | 300+ |
Who it is for
- Fintech companies building an assisted-banking retailer network
- Existing recharge distributors adding banking services
- Business correspondents and their network partners
If you mainly need mobile recharge and utility payments, see RechargeNest. For a custom fintech build, explore Sysfo's API development and mobile app development services.
Getting started
Sysfo starts with a live demo, then configures partners, wallets, services, commission slabs and branding, followed by hands-on training and post-launch support.
Frequently asked questions
Can we use our own API providers? Yes, with per-service switching and secure credential storage.
How is commission distributed? By amount-range slabs, split automatically across Retailer, Distributor and Super Distributor.
Is there a retailer app? Yes, on Android and iOS, with PIN or fingerprint login.
How is security handled? Permissions, transaction PIN, trusted devices, email OTP, live switches and an audit log.
What happens if a payout fails? The amount is refunded to the wallet automatically.
Build your fintech network
Book a free demo or request a quote, or contact Sysfo on +91 76074 20009.
