Spice Money Adhikari AePS and remittance data

Spice Money · Payments

Spice Money -Banking Agent App is Spice Money's Android app for Adhikari banking correspondents in India. Neighbourhood and kirana-store agents use it for Aadhaar-enabled AePS balance enquiries, cash withdrawals, cash deposits and mini statements; domestic money transfers (DMT); BBPS electricity and other bill payments; and prepaid recharge. It also supports the Spice Pay PPI wallet, Axis and NSDL CASA cash services, MATM/mPOS devices, and sales of gold, insurance and agent loans. Password sign-in and returning-agent pattern or face unlock lead into the counter-service screens. The app serves the same local banking-agent market as PayNearby, FinoSaathi and Eko, rather than the consumer side of UPI wallet payments.

Adhikari cash receipts link rrn bank retrieval references with uidai authorization references, stan, terminalId and custName. AePS withdrawal records pair the remaining balance with the agent's earning and txnCharges; agent profiles add bcAgentId, agentName and agentBal. Wallet ledger entries distinguish transactionId, transactionType and transactionStatus, while DMT confirmations supply txnId, ifsc, remitMode and per-leg txnDtls.rrn.

Bill-payment records connect billId, billerName and consumerCode with customerConvenienceFees and transreferenceId. Earnings totals separate totalCommission from totalCashback. These fields support distributor MIS cash-out reconciliation, remittance-compliance monitoring of IMPS transfer legs, treasury forecasts of Spice Pay wallet float, and earnings desks matching bill-payment fees against commission. openData Studio turns this data into callable open data; the routes and sample records below are illustrative.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Adhikari agent login

POST /v1/agent-sessions/create osint

Signs the Adhikari agent in and returns the session token, bcAgentId, agentName and agentBal used to render the signed-in home.

Auth: No existing session required: password grant using bcAgentId and password. The response supplies payload.token for later calls; identifier is an additional header, and RBL sessions also carry mode=RBLAPP.

bcAgentId
password
responseCode
responseDesc
responseStatus
payload.bcAgentId
payload.agentName
payload.agentBal
payload.token
payload.seed
payload.hashCount
payload.isPatternSet
payload.isFaceHashSet
payload.serviceName

POST /v1/agent-sessions/create HTTP/1.1
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "password": "<demo_password>"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "payload": {
    "bcAgentId": "DEMO_AGENT_001",
    "agentName": "DEMO KIRANA",
    "agentBal": "18450.75",
    "token": "<session_token>",
    "seed": "<demo_seed>",
    "hashCount": "1",
    "isPatternSet": "Y",
    "isFaceHashSet": "N",
    "pattern": "",
    "serviceName": "SMA",
    "forDisplay": "Demo Kirana",
    "welcomeVideo": ""
  }
}

Pre-login info V2
POST /v1/agent-access/preferences opendata
Loads pre-login flags for the Adhikari id (pattern/face unlock, display name) before the password screen.
Auth: No authentication required for pre-login preferences; an identifier header may accompany the request.
- bcAgentId
- responseCode
- responseDesc
- responseStatus
- payload.bcAgentId
- payload.forDisplay
- payload.isPatternSet
- payload.isFaceHashSet
- payload.serviceName
```
POST /v1/agent-access/preferences HTTP/1.1
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001"
}
```
```
{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "payload": {
    "bcAgentId": "DEMO_AGENT_001",
    "forDisplay": "Demo Kirana",
    "isPatternSet": "Y",
    "isFaceHashSet": "N",
    "serviceName": "SMA"
  }
}
```

AePS balance enquiry

POST /v1/cash-services/balance-checks openbanking

Runs an Aadhaar-enabled AePS balance enquiry and returns bank balance, RRN, UIDAI auth, STAN and terminal id for the till receipt.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header. Biometric capture accompanies the transaction.

message
status
errorCode
respCode
balance
balU
rrn
stan
terminalId
uidai
cauth
custName
custBankName
bcName
bcLocation
requestId
earning
txnCharges
aadharNumber

POST /v1/cash-services/balance-checks HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "aadharNumber": "XXXXXXXX0000",
  "custName": "DEMO CUSTOMER",
  "bankIin": "SBIN",
  "transAmt": "0"
}

{
  "message": "SUCCESS",
  "status": "S",
  "errorCode": "00",
  "respCode": "00",
  "balance": "15420.50",
  "balU": "15420.50",
  "rrn": "DEMO_RRN_001",
  "stan": "DEMO001",
  "terminalId": "DEMO_TERMINAL",
  "uidai": "DEMO_UIDAI_001",
  "cauth": "DEMO_AUTH_001",
  "custName": "DEMO CUSTOMER",
  "custBankName": "State Bank of India",
  "bcName": "DEMO KIRANA",
  "bcLocation": "Bengaluru",
  "date": "2026-10-26",
  "time": "14:32:01",
  "requestId": "REQDEMO001",
  "earning": "0.00",
  "txnCharges": "0.00"
}

AePS cash withdrawal

POST /v1/cash-services/withdrawals openbanking

Submits an Aadhaar-enabled AePS cash withdrawal and returns transAmt, remaining balance, RRN, UIDAI auth, agent earning and txnCharges.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header. Biometric capture accompanies the transaction.

message
status
respCode
balance
transAmt
rrn
stan
terminalId
uidai
cauth
custName
custBankName
bcName
earning
txnCharges
gstNumber
requestId
miniStatement.requestId
miniStatement.transactionList.date
miniStatement.transactionList.transType
miniStatement.transactionList.amount

POST /v1/cash-services/withdrawals HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "aadharNumber": "XXXXXXXX0000",
  "custName": "DEMO CUSTOMER",
  "bankIin": "SBIN",
  "transAmt": "2000"
}

{
  "message": "SUCCESS",
  "status": "S",
  "respCode": "00",
  "balance": "13420.50",
  "transAmt": "2000",
  "rrn": "DEMO_RRN_002",
  "stan": "DEMO002",
  "terminalId": "DEMO_TERMINAL",
  "uidai": "DEMO_UIDAI_002",
  "cauth": "DEMO_AUTH_002",
  "custName": "DEMO CUSTOMER",
  "custBankName": "State Bank of India",
  "bcName": "DEMO KIRANA",
  "bcLocation": "Bengaluru",
  "earning": "8.00",
  "txnCharges": "0.80",
  "gstNumber": "<demo_gst_number>",
  "date": "2026-10-26",
  "time": "14:40:12",
  "requestId": "REQDEMO002",
  "miniStatement": {
    "requestId": "REQDEMO002",
    "transactionList": [
      {
        "date": "26-10-2026",
        "receiptDate": "26-10-2026",
        "transType": "CW",
        "receiptTransType": "Cash Withdrawal",
        "category": "DR",
        "amount": "2000"
      }
    ]
  }
}

AePS transaction tab summary

POST /v1/agent-metrics/cash-transactions opendata

Loads the AePS tab counts (today vs yesterday and projected txn count) shown on the agent home.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseDesc
responseStatus
payload.todayCount
payload.yesterdayCount
payload.label
payload.identifier
payload.projectedTxnCount

POST /v1/agent-metrics/cash-transactions HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "payload": {
    "todayCount": "12",
    "yesterdayCount": "9",
    "label": "AePS",
    "identifier": "AEPS",
    "projectedTxnCount": "14"
  }
}

Wallet transaction history

POST /v1/agent-ledgers/entries openbanking

Pages the Adhikari wallet ledger with transactionId, type, status, product and ticket flags shown on the history screen.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseDesc
responseStatus
WalletHistoryPayload.eof
WalletHistoryPayload.notClickableMsg
walletHistoryList.leftHeader1
walletHistoryList.transactionId
walletHistoryList.rightHeader1
walletHistoryList.transactionType
walletHistoryList.transactionStatus
walletHistoryList.product
walletHistoryList.transMode
walletHistoryList.ticketId

POST /v1/agent-ledgers/entries HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "WalletHistoryPayload": {
    "eof": false,
    "notClickableMsg": "",
    "walletHistoryList": [
      {
        "leftHeader1": "AePS CW",
        "leftHeader2": "26 Oct 2026",
        "transactionId": "TXNDEMO002",
        "rightHeader1": "₹2000",
        "rightHeader2": "SUCCESS",
        "transactionType": "CW",
        "transactionStatus": "SUCCESS",
        "header": "Cash withdrawal",
        "body": "SBI ****0000",
        "footer": "RRN DEMO_RRN_002",
        "isClickable": "Y",
        "icon": "aeps",
        "product": "AEPS",
        "transMode": "BIO",
        "ticketId": "",
        "ticketStatus": ""
      }
    ]
  }
}

Wallet history summary

POST /v1/agent-ledgers/totals openbanking

Reads the wallet-summary tile (txnAmount, txnType, running balance) above the history list.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseDesc
responseStatus
header
body
footer
icon
txnAmount
txnType
balance

POST /v1/agent-ledgers/totals HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "payload": {
    "header": "Today",
    "body": "12 txns",
    "footer": "AePS + DMT",
    "icon": "wallet",
    "txnAmount": "28450.00",
    "txnType": "ALL",
    "balance": "18450.75"
  }
}

Axis CASA wallet balance
POST /v1/deposit-float/balances openbanking
Reads the Axis cash-deposit wallet float shown before an Axis CASA deposit at the till.
Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.
- responseCode
- responseDescription
- responseStatus
- balance
```
POST /v1/deposit-float/balances HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001"
}
```
```
{
  "responseCode": "00",
  "responseDescription": "SUCCESS",
  "responseStatus": "S",
  "balance": "6200.00"
}
```

BBPS top billers MDM

GET /v1/biller-directory/regional-rankings opendata

Returns the BBPS top-biller catalogue keyed by category, city/state mapping, billerId and rank for the bill-pay picker.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

lang
respCode
respDesc
respStatus
payload.verDate
topBillers.catId
mapping.city
mapping.state
billers.billerId
billers.rank

GET /v1/biller-directory/regional-rankings HTTP/1.1
token: <session_token>
identifier: <demo_identifier>
Accept: application/json

{
  "lang": "en",
  "respCode": "00",
  "respDesc": "SUCCESS",
  "respStatus": "S",
  "payload": {
    "verDate": "2026-10-01",
    "topBillers": [
      {
        "catId": "ELECTRICITY",
        "mapping": [
          {
            "city": "Bengaluru",
            "state": "KA",
            "billers": [
              {
                "billerId": "DEMO_BILLER_001",
                "rank": 1
              }
            ]
          }
        ]
      }
    ]
  }
}

BBPS biller MDM

GET /v1/biller-directory/records opendata

Downloads the BBPS biller master used to resolve billerName and category before a fetch-bill.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

respCode
respDesc
respStatus
payload.verDate
billerId
billerName
category

GET /v1/biller-directory/records HTTP/1.1
token: <session_token>
identifier: <demo_identifier>
Accept: application/json

{
  "respCode": "00",
  "respDesc": "SUCCESS",
  "respStatus": "S",
  "payload": {
    "verDate": "2026-10-01",
    "billers": [
      {
        "billerId": "DEMO_BILLER_001",
        "billerName": "Demo Electricity Biller",
        "category": "ELECTRICITY"
      }
    ]
  }
}

BBPS bill payment

POST /v1/utility-payments/submit openfinance

Pays a BBPS bill from the Adhikari wallet and returns billId, billerName, consumerCode, CCF, approvalNo and remaining balance.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseDesc
responseStatus
payload.billId
payload.dueDate
payload.category
payload.billerName
payload.consumerCode
payload.amount
payload.customerName
payload.paymentStatus
payload.paymentMode
payload.totalAmount
payload.customerConvenienceFees
payload.platformFees
payload.transreferenceId
payload.approvalNo
payload.agentName
payload.balance
payload.billRefId

POST /v1/utility-payments/submit HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "billerId": "DEMO_BILLER_001",
  "consumerCode": "DEMO_CONSUMER",
  "amount": "1850.00"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "payload": {
    "billId": "DEMO_BILL_001",
    "dueDate": "2026-11-05",
    "category": "ELECTRICITY",
    "billerName": "Demo Electricity Biller",
    "consumerCode": "DEMO_CONSUMER",
    "amount": "1850.00",
    "billDate": "2026-10-05",
    "customerName": "DEMO CUSTOMER",
    "billPeriod": "Sep 2026",
    "paymentStatus": "SUCCESS",
    "paymentMode": "WALLET",
    "totalAmount": "1865.00",
    "otherCharges": "0.00",
    "customerConvenienceFees": "15.00",
    "platformFees": "0.00",
    "transreferenceId": "BBPSDEMO001001",
    "approvalNo": "DEMO_APPROVAL_001",
    "agentName": "DEMO KIRANA",
    "agentAddress": "DEMO SHOP ADDRESS",
    "transactionDate": "2026-10-26",
    "balance": "16585.75",
    "billRefId": "DEMO_BILL_REF_001",
    "initiatingChannel": "AGT",
    "paymentChannel": "INT"
  }
}

BBPS commission earnings

POST /v1/agent-rewards/breakdown opendata

Reads BBPS vs recharge commission and cashback split (today/month/year) shown on the earnings dashboard.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseMessage
bbps.totalEarnings.totalEarnings
bbps.totalEarnings.totalCommission
bbps.totalEarnings.totalCashback
bbps.totalEarnings.billsPaid
bbps.commissionEarn.today.commissionEarned
bbps.commissionEarn.today.billsPaidCount
bbps.commissionEarn.month.commissionEarned
recharge.totalEarnings.totalEarnings

POST /v1/agent-rewards/breakdown HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001"
}

{
  "responseCode": "00",
  "responseMessage": "SUCCESS",
  "bbps": {
    "totalEarnings": {
      "totalEarnings": "1240.50",
      "totalCommission": "980.00",
      "totalCashback": "260.50",
      "billsPaid": "86",
      "commission": "980.00",
      "cashBack": "260.50"
    },
    "commissionEarn": {
      "today": {
        "text": "Today",
        "billsPaid": "4",
        "billsPaidCount": "4",
        "commissionEarned": "32.00",
        "commissionCount": "4"
      },
      "month": {
        "text": "This month",
        "billsPaid": "86",
        "commissionEarned": "980.00"
      }
    }
  },
  "recharge": {
    "totalEarnings": {
      "totalEarnings": "210.00",
      "totalCommission": "210.00",
      "billsPaid": "18"
    }
  }
}

DMT remittance confirmation

POST /v1/domestic-transfers/confirmations openfinance

Confirms a domestic money transfer and returns txnId, IFSC, remitMode, charges/GST and per-leg RRN/status.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

rc
rd
rs
payload.desc
payload.amount
payload.bname
payload.charges
payload.gst
payload.ifsc
payload.remitMode
payload.totalAmt
payload.txnId
txnDtls.amt
txnDtls.rrn
txnDtls.status
txnDtls.transId

POST /v1/domestic-transfers/confirmations HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "amount": "5000",
  "ifsc": "<demo_ifsc>",
  "remitMode": "IMPS"
}

{
  "rc": "00",
  "rd": "SUCCESS",
  "rs": "S",
  "payload": {
    "desc": "IMPS credit",
    "lineData": "DEMO CUSTOMER",
    "amount": "5000",
    "bname": "State Bank of India",
    "charges": "12.00",
    "dt": "2026-10-26 14:51:02",
    "gst": "2.16",
    "ifsc": "<demo_ifsc>",
    "remitMode": "IMPS",
    "rmks": "",
    "totalAmt": "5014.16",
    "txnId": "DMTDEMO001001",
    "txnDtls": [
      {
        "amt": "5000",
        "dt": "2026-10-26 14:51:02",
        "remarks": "SUCCESS",
        "rrn": "DEMO_RRN_003",
        "status": "SUCCESS",
        "transId": "IMPSDEMO001"
      }
    ]
  }
}

UTR bank details

POST /v1/funding-references/bank-details openbanking

Looks up bank / UTR detail for a fund request so the agent can match rrn, ifsc and bname on the receipt.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseDesc
responseStatus
payload.txnId
payload.bname
payload.ifsc
payload.rrn
payload.amount
payload.status

POST /v1/funding-references/bank-details HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "txnId": "DMTDEMO001001"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "payload": {
    "txnId": "DMTDEMO001001",
    "bname": "State Bank of India",
    "ifsc": "<demo_ifsc>",
    "rrn": "DEMO_RRN_003",
    "amount": "5000",
    "status": "SUCCESS"
  }
}

NSDL CASA cash deposit

POST /v1/counter-deposits/submit openbanking

Posts an NSDL CASA cash deposit at the Adhikari till and returns transAmt, remaining balance and RRN.

Auth: Session token from Adhikari sign-in (payload.token), with an identifier header.

responseCode
responseDesc
responseStatus
balance
transAmt
rrn
txnId
custName

POST /v1/counter-deposits/submit HTTP/1.1
token: <session_token>
Content-Type: application/json
identifier: <demo_identifier>

{
  "bcAgentId": "DEMO_AGENT_001",
  "transAmt": "3000"
}

{
  "responseCode": "00",
  "responseDesc": "SUCCESS",
  "responseStatus": "S",
  "balance": "9200.00",
  "transAmt": "3000",
  "rrn": "DEMO_RRN_004",
  "txnId": "NSDLDEMO001",
  "custName": "DEMO CUSTOMER"
}

Data categories

balances
transactions
identity
bills
beneficiaries
commissions

Where teams use this data

AePS cash-out reconciliation
A distributor MIS or BC-network ops desk pulls daily AePS rows, matches rrn and uidai to the acquiring bank, and nets earning minus txnCharges against the agent's wallet balance and agentBal.
DMT corridor monitoring
A remittance-compliance stack watches FinalTransactionModel payloads (ifsc, remitMode, amount, txnId) and per-leg txnDtls.rrn / status to flag failed IMPS legs or repeated new beneficiaries.
Adhikari float treasury
A treasury bot reads login agentBal, Axis WalletBalResponse.balance and wallet-summary balance / txnAmount so overnight settlement of the Spice Pay PPI float can be forecast.
BBPS commission desk
An earnings desk compares BBPS totalCommission and commissionEarned (today/month) with recharge totalEarnings and the bill-pay customerConvenienceFees on each transreferenceId.

Frequently asked questions

Which AePS operations appear in the Spice Money data API?

The illustrative surface covers balance enquiries and cash withdrawals. Receipt fields include rrn, uidai, stan, terminalId, custName, bcName and the remaining balance; withdrawal records also include transAmt, earning and txnCharges.

How is an Adhikari session established?

Pre-login preferences identify the display name and isPatternSet or isFaceHashSet options for a bcAgentId. A password grant then supplies payload.token, agentName and agentBal. Later requests use the session token and an identifier header; AePS transactions also require biometric capture.

What remittance and bill fields follow a counter payment?

DMT confirmations include rc, rd and rs, plus payload.txnId, ifsc, remitMode, charges, gst and per-leg txnDtls.rrn and status. BBPS payment records include billId, billerName, consumerCode, customerConvenienceFees, approvalNo and transreferenceId. Earnings records separate BBPS and recharge totals, including totalCommission and totalCashback.

Apps similar to Spice Money -Banking Agent App

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More Payments apps

Topics

Spice Money data API
Adhikari AePS receipts
DMT remittance status
BBPS bill payments
agentBal wallet float
AePS uidai rrn
Spice Pay PPI
banking agent commissions India

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Spice Money Adhikari AePS and remittance data

Screenshots

API surface

Adhikari agent login

Pre-login info V2

AePS balance enquiry

AePS cash withdrawal

AePS transaction tab summary

Wallet transaction history

Wallet history summary

Axis CASA wallet balance

BBPS top billers MDM

BBPS biller MDM

BBPS bill payment

BBPS commission earnings

DMT remittance confirmation

UTR bank details

NSDL CASA cash deposit

Data categories

Where teams use this data

AePS cash-out reconciliation

DMT corridor monitoring

Adhikari float treasury

BBPS commission desk

Frequently asked questions

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Need this app's data API integrated?

Spice Money Adhikari AePS and remittance data

Screenshots

API surface

Adhikari agent login

Pre-login info V2

AePS balance enquiry

AePS cash withdrawal

AePS transaction tab summary

Wallet transaction history

Wallet history summary

Axis CASA wallet balance

BBPS top billers MDM

BBPS biller MDM

BBPS bill payment

BBPS commission earnings

DMT remittance confirmation

UTR bank details

NSDL CASA cash deposit

Data categories

Where teams use this data

AePS cash-out reconciliation

DMT corridor monitoring

Adhikari float treasury

BBPS commission desk

Frequently asked questions

Related apps

Apps similar to Spice Money -Banking Agent App

More Payments apps

BrasilCard Cliente

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Cartão Mais!

Topics

Need this app's data API integrated?