AEPS Commission & Net Profit Calculator (2026)
📈 Daily Transaction Volume
💸 Hidden & Operating Costs (Monthly)
Is your current portal charging too much for settlements?
See Our Top 10 AEPS Providers Review (2026) →“When I first got my AEPS ID years ago to set up a counter in Chamba, I honestly thought it would be pure profit. You scan a finger, give out cash, and the company drops a ₹10 commission in your wallet. Sounds perfect, right? But the ground reality hit me hard by the end of my first month.”
Here is what happens on the ground. Beyond the obvious shop rent and electricity bills, there are hidden leaks everywhere in the AEPS business. The biggest ones? “Move to Bank” (wallet settlement) fees and money transfer costs.
And let me clear up the biggest reality check right now. I see agents on Facebook groups asking, “Can I charge the customer ₹10 extra for a ₹1000 withdrawal?” The answer is a massive no. Baat yeh hai ki, if you think you can sneak in a small surcharge to cover your costs, you are directly violating strict RBI and NPCI rules. If caught, your BC ID is blocked forever.
You cannot change what you charge the customer. You can only optimize your own costs. That’s exactly why I built the calculator above.
The Brutal Math of AEPS in June 2026
If you look at the promotional banners of companies like Spice Money, PayNearby, Fino Payment Bank, or CSC, they all flash huge numbers: “Earn up to ₹12 per transaction!” But they don’t show you the math of running the counter.
Let’s do a reality check on a typical day for a rural merchant doing 30 transactions.
| Transaction Type | Avg Volume / Day | Avg Commission | Daily Income |
|---|---|---|---|
| Micro (₹100 – ₹500) | 5 | ₹0.50 | ₹2.50 |
| Low (₹501 – ₹1,000) | 10 | ₹2.00 | ₹20.00 |
| Mid (₹1,001 – ₹3,000) | 10 | ₹5.00 | ₹50.00 |
| High (₹3,001+) | 5 | ₹10.00 | ₹50.00 |
| Mini Statements | 15 | ₹1.50 | ₹22.50 |
In this scenario, your gross daily income is roughly ₹145. Multiply that by 30 days, and your wallet shows ₹4,350 gross commission. Not bad for a side business in a rural shop.
But wait. You gave out cash to 30 people today. Your cash drawer is empty. Now you have to move that ₹4,350 (plus the principal amount) from your Spice Money or PayNearby wallet back to your State Bank of India account to get physical cash again.
Common Mistakes That Kill Agent Profitability
Asliyat yeh hai that most agents lose a massive chunk of that ₹4,350 to entirely avoidable mistakes.
- Doing Daily Settlements: If your portal charges ₹5 for IMPS settlement and you settle every single day to get cash, you lose ₹150 a month just moving your own money. If you settle twice a day? You just lost ₹300.
- Ignoring Mini Statements: Many new agents just check the balance for free and hand over the cash. Always pull a Mini Statement before a withdrawal. It pays ₹1 to ₹1.50 extra and builds your daily revenue without burning cash inventory.
- Falling for the “High Commission” Trap: Some unknown portals promise ₹15 commission. Sounds great, right? But their server is down 40% of the time. Every failed transaction means you lose a customer to the shop next door. Reliability beats high commission every single time.
Practical Solutions: How to Actually Make Money
I’ve managed transactions for years, and the agents who actually make a solid living from AEPS do three things differently.
First, they pool their settlements. Instead of hitting “Move to Bank” every evening, they rotate cash locally. They use the AEPS wallet balance to pay utility bills (BBPS) or do domestic money transfers (DMT) for other customers. This turns a settlement fee (which costs you money) into a service fee (which makes you money).
Second, they stick to Tier-1 providers. PayNearby, Spice Money, and Fino might not give you ₹15 per swipe, but their NPCI server routing is far superior to cheap white-label portals. Less pending transactions mean less headaches for you.
Third, they track their net profit, not gross. Play around with the calculator at the top of this page. Put in your actual shop rent. Put in the petrol cost it takes you to drive to the main bank branch to fetch cash. Once you see the real number, you’ll stop working for free.
Frequently Asked Questions
Can I charge extra money from customers for AEPS withdrawal?
Absolutely not. Charging even ₹10 extra on an AEPS withdrawal is strictly against RBI and NPCI guidelines. Doing so can result in your BC ID being permanently blocked and potential legal action. You only earn through the official commission provided by your AEPS portal.
What are Move-to-Bank or Settlement charges in AEPS?
When you withdraw cash for customers, the money goes into your AEPS wallet. To get this money back into your physical bank account to rotate cash, you use the ‘Move to Bank’ feature. Most companies charge a flat fee (usually ₹5 to ₹10) for this IMPS transfer.
Which transaction slab gives the highest AEPS commission?
Most portals offer the highest flat commission (₹10 to ₹12 maximum) on transactions between ₹3,000 and ₹10,000. However, the ‘sweet spot’ for many agents is the ₹2,000 to ₹3,000 range, which often yields a high percentage-based commission relative to the cash handled.