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Best AEPS & Open Banking API Providers In India

So you might be thinking a lot over it, you may be asking yourself:

“Who are the best AEPS API providers in India?’’

Well, not a problem!

We’ve got you covered with a list of the best API service providers in the market. If you’re eyeing the APIs to integrate into your website, software application, or mobile apps, this is the right place for you.

Let’s start


ICICI Bank comes first when discussing about the best AEPS API providers in India.

They issued a statement about the launch of its API Banking portal in January 2010. The API Developer Portal enables partner companies to co-create solutions in a hassle-free manner. ICICI bank AEPS API allows the user to offer all the banking services to the customers in a very convenient way.

This API allows the user to make transactions using the Aadhaar Card number and biometric verification of the account holder. The ICICI Bank API Banking Portal consists of 250 APIs enabling business, fin-tech, corporates, and e-commerce start-ups to partner with the bank.

The APIs are a set of instructions, which allow the third-party applications to communicate with the bank’s various applications and collaborate to bring in new customer propositions.

They are available across an array of categories including payments and collections such as IMPS, UPI payment/ collection, accounts & deposits, and cards & loans.

After testing the solution on the sandbox environment, developers can upgrade to the UAT environment for end-to-end real-time testing, post-signing an NDA with the bank.


Kotak Mahindra Bank announced the launch of its open banking platform in November 2018. The platform is powered by a developer portal which makes Kotak’s APIs available to Fintechs and developers, thereby creating a collaborative ecosystem.

The platform offers Kotak’s APIs for lending and payment. With digital payments driving towards interoperable, real-time, mobile solutions, the bank has simplified the management of payment flow so that partners can focus on their core business without the hassle of software and hardware integrations.

FinTechs and developers have to register their details on the portal before gaining access to the APIs.

The initiative has been a part of Kotak’s digital-first organic growth strategy that was planned to be driven by its ABCD charter that focuses on the AI-enriched app, biometric-enabled branch, context enhanced customer experience and data empowered design.

Yes Bank

The bank started the YES Fin-tech developer portal in November 2019. The API sandbox consists of over 50 virtual APIs and is in line with the bank’s strategy of keeping customers at the core while ideating and co-creating solutions.

The sandbox builds on the bank’s strategy of using API banking as corporates, MSMEs, and start-ups to identify best-fit APIs based on their sectors and also allows them to test the APIs with their app in a secure environment.

The sandbox enables clients across sectors an enabler to customize digital solutions for its clients. This helps to visualize multiple banking use cases customized for their application and understand possible integrations and functionalities of the bank’s APIs.

YES Fin-tech Developer provides a boost to the bank’s effort of co-creating innovations with Fin-Techs, startups, and the developer ecosystem to enhance the customer experience.

Developers can complete integrations in the environment and mimic how their solutions would work in a ‘live’ environment. Once they are comfortable, they can move to subscribe to the APIs.

Through the sandbox, YES BANK will grant access to APIs across 4 usage categories including account management, payments, cards, and CRM.

Airtel Payments

The payment interface of Airtel payment AOI allows an application to perform all the payment operations under one platform. Transform your business with digital payments services using Airtel Payments API.

API seva is one of the best AEPS API provider company in India providing at a reasonable cost.

This API revolves around providing Content Providers with the facility to charge their customers for the products and services registered via the Subscription Provisioning Portal provided by Smart API Platform.

Activation and deactivation of these subscription payment plans are managed by Airtel’s Subscription Engine which is integrated with the Smart API Platform.

SBM Bank

The Government of Mauritius promoted SBM Bank in India, it’s the first bank to receive a universal banking license from the Reserve Bank of India to set up and operate as a Scheduled Commercial Bank offering banking services through the Wholly Owned Subsidiary (WOS) mode.

SBM Bank India has a network of 6 branches located in Mumbai, Delhi, Chennai, Bangalore, Hyderabad, and Ramachandrapuram.  SBM is a  leading API infrastructure company that helps businesses to connect and roll out their own branded products.

The company works with banks and financial institutions as product providers and offers end-to-end program management services over a bundle of API’s that covers, Bank Accounts, Term deposits, and a wide gamut of payments products including Debit, Credit, Prepaid, Travelcard, QR, UPI, NETC toll payments.

So these are the best AEPS API providers in India giving a wide range of fintech APIs that you can integrate with your payment portals or create something of your own.

If you are willing to take payments APIs from any of the above API providers feels free to reach us at [email protected] or from the chat option given.

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