Spice Money Adhikari AePS 与汇款数据
Spice Money -Banking Agent App 是 Spice Money 面向印度银行代理(business correspondent)的 Android 客户端,用户是社区 Adhikari 代理。店主在柜台办理基于 Aadhaar 的 AePS 余额查询、取现、现金存款和迷你对账单,替客户向银行收款人发起国内汇款(DMT),缴纳电费等 BBPS 账单并做预付费充值,持有 Spice Pay PPI 钱包,受理 Axis 与 NSDL CASA 现金存取,刷 MATM/mPOS 设备,并代销黄金、保险与代理贷款。代理用已注册的 Adhikari 编号和密码登录,之后回访可用图案或人脸解锁,随后以 Spice Money Adhikari 身份办理上述业务。该产品仅面向印度市场,与 PayNearby、FinoSaathi、Eko 等服务于同一批社区门店的 BC/代理应用并列,而消费侧的对应物则是各类 UPI 钱包。
Adhikari 的 AePS 回执以 uidai 记录 UIDAI 授权、以 rrn 记录银行检索号,同行还有 stan、terminalId、custName、剩余 balance,取现时另有代理 earning 与 txnCharges。登录 payload 保留 bcAgentId、agentName 与 agentBal;钱包历史行给出 transactionId、transactionType 与 transactionStatus。DMT 确认携带 txnId、ifsc、remitMode 以及分腿 txnDtls.rrn;BBPS 支付返回 billId、billerName、consumerCode、customerConvenienceFees 与 transreferenceId,佣金卡片则把 totalCommission 与 totalCashback 拆开。
核对 AePS 取现规模的分销商 MIS、盯 IMPS 分腿的汇款合规系统、预测 Spice Pay 浮动资金的财资机器人,以及把 BBPS 便利费与 commissionEarned 对账的收入台,都在消费这些对象。openData Studio 将其转化为可调用的开放数据。
应用截图
API 端点一览
以下端点与请求/响应示例均依据应用界面推导重构,为示意说明,并非实际抓包。
Adhikari 代理登录
POST
/v1/agent-sessions/createosint为 Adhikari 代理签发会话,返回后续调用使用的 token,以及首页展示用的 bcAgentId、agentName 与 agentBal。
认证方式: 无需现有会话:使用 bcAgentId 与 password 完成密码授权。响应返回供后续调用使用的 payload.token;另携带 identifier 请求头,RBL 会话还携带 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": "" } }登录前信息 V2
POST
/v1/agent-access/preferencesopendata在密码界面之前按 Adhikari 编号加载图案/人脸解锁开关与展示名。
认证方式: 登录前偏好查询无需认证;请求可携带 identifier 请求头。
- 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 余额查询
POST
/v1/cash-services/balance-checksopenbanking提交基于 Aadhaar 的 AePS 余额查询,返回银行余额、RRN、UIDAI 授权、STAN 与终端号,供柜台回执打印。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。 交易同时需要生物特征采集。
- 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 现金取款
POST
/v1/cash-services/withdrawalsopenbanking提交基于 Aadhaar 的 AePS 取现,返回 transAmt、剩余余额、RRN、UIDAI 授权、代理佣金 earning 与 txnCharges。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。 交易同时需要生物特征采集。
- 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 交易页汇总
POST
/v1/agent-metrics/cash-transactionsopendata加载代理首页 AePS 页签上的今日/昨日笔数与预计交易量。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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" } }钱包交易历史
POST
/v1/agent-ledgers/entriesopenbanking分页拉取 Adhikari 钱包流水,含 transactionId、类型、状态、产品与工单标记,供历史界面展示。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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": "" } ] } }钱包历史汇总
POST
/v1/agent-ledgers/totalsopenbanking读取历史列表上方的钱包汇总卡片:txnAmount、txnType 与当前 balance。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 钱包余额
POST
/v1/deposit-float/balancesopenbanking读取 Axis 现金存款钱包浮动资金,供柜台发起 Axis CASA 存款前展示。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 热门出账机构 MDM
GET
/v1/biller-directory/regional-rankingsopendata返回 BBPS 热门出账机构目录,按类别、城市/邦映射、billerId 与 rank 供账单选择器使用。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 出账机构 MDM
GET
/v1/biller-directory/recordsopendata下载 BBPS 出账机构主数据,供取账单前解析 billerName 与 category。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 账单支付
POST
/v1/utility-payments/submitopenfinance从 Adhikari 钱包缴纳 BBPS 账单,返回 billId、billerName、consumerCode、便利费、approvalNo 与剩余余额。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 佣金收入
POST
/v1/agent-rewards/breakdownopendata读取 BBPS 与充值佣金/返现拆分(今日/本月/本年),即收入看板展示内容。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 汇款确认
POST
/v1/domestic-transfers/confirmationsopenfinance确认一笔国内汇款,返回 txnId、IFSC、汇款方式、手续费/GST 以及分腿 RRN 与状态。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 银行明细
POST
/v1/funding-references/bank-detailsopenbanking按资金请求查询银行/UTR 明细,供代理在回执上核对 rrn、ifsc 与 bname。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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 现金存款
POST
/v1/counter-deposits/submitopenbanking在 Adhikari 柜台提交 NSDL CASA 现金存款,返回 transAmt、剩余余额与 RRN。
认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。
- 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" }
数据类别
- 余额
- 交易
- 身份信息
- 账单
- 收款人
- 佣金
数据使用场景与案例
AePS 取现对账
分销商 MIS 或 BC 网络运营台拉取每日 AePS 流水,将 rrn 与 uidai 同收单银行逐笔核对,并按 earning 减去 txnCharges 与代理钱包 balance / agentBal 轧差结算。
DMT 汇款走廊监控
汇款合规系统监控 FinalTransactionModel 请求体(ifsc、remitMode、amount、txnId)以及分腿 txnDtls.rrn / status,用于标记失败的 IMPS 分腿或反复新增收款人。
Adhikari 浮动资金财资管理
财资机器人读取登录返回的 agentBal、Axis WalletBalResponse.balance 以及钱包汇总的 balance / txnAmount,从而预测 Spice Pay PPI 浮动资金的隔夜结算头寸。
BBPS 佣金台
收入台将 BBPS 的 totalCommission、commissionEarned(今日/本月)与充值 totalEarnings、以及每笔账单 customerConvenienceFees / transreferenceId 对照核对。
常见问题
Spice Money Adhikari 客户端暴露哪些 AePS 操作?
示例接口涵盖余额查询和现金取款。回执字段包括 rrn、uidai、stan、terminalId、custName、bcName 与剩余 balance;取款记录还包括 transAmt、earning 与 txnCharges。
Adhikari 会话是如何建立的?
登录前偏好按 bcAgentId 提供展示名以及 isPatternSet、isFaceHashSet 选项。密码授权随后返回 payload.token、agentName 与 agentBal;后续请求携带会话令牌和 identifier 请求头,AePS 交易还需要生物特征采集。
柜台支付后会带回哪些汇款和账单字段?
DMT 确认返回 rc/rd/rs 以及 payload.txnId、ifsc、remitMode、charges、gst 与 txnDtls.rrn。BBPS 支付返回 billId、billerName、consumerCode、customerConvenienceFees、approvalNo 与 transreferenceId;佣金收入把 bbps 与 recharge 的 totalCommission、totalCashback 拆分。
与 Spice Money -Banking Agent App 相似的应用
- PayNearby - Aadhaar ATM, DMT — PayNearby 是 Nearby Technologies 面向印度银行代理零售商的 Android 应用,店主通过旁遮普国家银行商户渠道办理 AePS 取现、DMT 汇款、BBPS 账单和店铺 khata 台账。
- Fino Payments Bank — Fino Payments Bank 的 FinoSaathi 商户计划把杂货店变成银行服务点,可办理 AePS Aadhaar 交易、微型 ATM 取现、IMPS/NEFT 汇款、Aadhaar Pay 以及账单缴纳。
- Eko — Eko 的零售商平台让店主用客户现金向任意印度银行账户汇款,凭 Aadhaar 办理取现,并为 100 多家出账机构代缴公用事业费。
- Mitra: Airtel Retailer — Mitra 是 Airtel 面向印度渠道零售商的应用,店主在柜台销售充值、SIM 套餐并办理 Airtel Payments Bank 辅助银行业务。
- Paytm for Business — Paytm for Business 是 One97 面向印度商户的应用,店铺可通过全能收款码、Soundbox 语音播报和刷卡机收款,并结算到银行账户。
- BharatPe for Business — BharatPe for Business 面向印度店铺,通过 BharatPe UPI 收款码、刷卡机和语音音箱受理数字支付,并提供相关经营贷款。
- OkCredit — OkCredit 是面向印度商户的电子赊销台账(khata)应用,在手机上记录客户欠款,并处理 UPI 收款与开票。
相关主题
- Spice Money API
- Adhikari AePS 数据
- DMT 汇款字段
- BBPS billerId
- agentBal 钱包浮动
- AePS uidai rrn
- Spice Pay PPI
- 印度银行代理 BC
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