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Micro ATM API · Live in India

Micro ATM API — Card cash-out on a handheld device.

Turn any smartphone plus an mPOS reader into a cash-out point — card withdrawal, balance enquiry, Bluetooth pairing, settlement to the agent wallet, and a sandbox you can test today.

DevicemPOS

Pair once, cash out all day. Card customers at the same counter as AEPS. Volume-based rate card shared on request.

  • ✓Go live in days — REST API, sandbox, device list, full docs
  • ✓Card withdrawal & balance — debit card + PIN on a handheld reader
  • ✓Pairs with AEPS — one shop covers card and Aadhaar customers
  • ✓PCI DSS Level 1 infrastructure with 99.9% uptime
Forbes IndiaThe Economic TimesHindustan Times PCI DSS Level 1ISO 27001
FREE SANDBOX

Get API Access

Rate card + sandbox credentials — usually within a few hours.

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Our team will share the rate card and sandbox credentials with you shortly — usually within a few working hours.

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50M+Transactions processed
5,000+Businesses onboard
99.9%Uptime SLA
1 shopCard + Aadhaar cash-out

Who it's for

Built for cash-out away from a branch

Same API whether you run one kirana counter or a field force with hundreds of devices.

🌾

Rural retailers

Hand over cash against a debit card when the nearest ATM is a bus ride away.

🏦

NBFC field agents

Disburse or collect with a handheld reader instead of sending customers to a branch.

🌐

BC networks

Add card cash-out next to AEPS so the same agent never turns a customer away.

🏨

Hospitality & small retail

Accept card cash-out or balance check at a desk that already has a phone.

🤝

Microfinance

Pair the same device with AEPS for customers who have a card and those who don't.

📱

White-label super-apps

Ship Micro ATM next to AEPS and DMT under your own brand.

Why teams move to NXT

What usually slows teams down

✗ Device pairing that breaks after every app update

✗ Card cash-out on a different vendor from AEPS

✗ Settlement that never hits the agent wallet

✗ Support tickets that go nowhere

With NXT Banking

✓ Bind the reader once to the merchant

✓ Micro ATM and AEPS on one stack

✓ Wallet settlement and live status

✓ Dedicated account manager, 24/7 support

Get API Access →

Developer first

One stack. Pair, swipe, settle.

Pick a step and see the exact request and response your team will work with.

POST /v1/micro-atm/device

      
200 OK ~1.2s

      
⚡

Sandbox in minutes

Test credentials, Postman collection and sample payloads — before you sign anything.

🔔

Webhooks & status

Real-time callbacks for success or failure. Never poll blindly again.

🧾

Wallet settlement

Successful withdrawals credit the agent wallet on the agreed cycle, with a live status feed.

API reference

Endpoints & device flow

A small, predictable API surface — bind the reader, withdraw or enquire, and get a webhook.

Endpoint Purpose
POST /v1/micro-atm/deviceBind a Bluetooth or USB mPOS reader to the merchant.
POST /v1/micro-atm/withdrawalCard cash withdrawal with PIN, bank reference on success.
POST /v1/micro-atm/balanceBalance enquiry on the card without a cash-out.
GET /v1/micro-atm/{id}Check live status — pending, success or failed.
Webhook: microatm.statusReal-time callback the moment a transaction's status changes.
Card withdrawalDebit card + PIN on a handheld reader.
Balance enquiryShow the card balance without handing over cash.
Device bindPair Bluetooth or USB once per merchant.
Wallet settlementCredits the agent on the agreed cycle.

Your exact NXT Micro ATM rate depends on volume — request the rate card for precise numbers.

🚀 White-label platform

Or launch your own agent network

Don't just use the API — sell it. Get a production-ready, fully branded Micro ATM and AEPS platform with your domain, logo and colours. 48 live modules, multi-tier agent network and a built-in commission engine, ready in days.

🏷️ Your brand, end to endYour domain, logo and colours. Your customers never see us.
💰 Revenue from day oneBuilt-in commission engine, multi-tier agents, automated settlements.
🛡️ 12-layer securityOTP, device fingerprinting, AES-256, DDoS protection, full audit trails.
⏱️ Live in days, not yearsSkip ₹20–50 lakh of custom development and months of build time.
48 live modules580+ APIs in production 1,080 automated tests24/7 expert support
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Security & compliance

Bank-grade, by default

The same infrastructure standards our banking and enterprise clients demand.

PCI DSS Level 1Payment card certified
ISO 27001:2013Information security
PCI card dataPIN and PAN handling rules
Data in IndiaFull localisation
AES-256Encrypted end to end
IP WhitelistingServer-level access control
Audit LogsTamper-proof trail
2FA & RBACGranular permissions

Questions

Before you integrate

What does a Micro ATM API do?

It lets an authorised agent withdraw cash and check balance from a debit card on a handheld mPOS device. Settlement credits the agent wallet. Pair it with AEPS so the same shop covers card and Aadhaar customers.

How long does integration take?

Typical integration completes within 5–7 business days with sandbox access, device pairing and full documentation, plus a technical contact during go-live.

What device do I need?

A registered Bluetooth or USB mPOS / card reader. We share the approved device list during onboarding. The phone or tablet pairs once and stays bound to the merchant.

How is Micro ATM different from AEPS?

AEPS authenticates with Aadhaar and a fingerprint. Micro ATM authenticates with a debit card and PIN. Many BC points run both so they never turn a customer away.

How does settlement work?

Successful withdrawals settle to the agent wallet on the agreed cycle. Status and UTR are available on the API and via webhook.

Do you provide a sandbox before onboarding?

Yes. You can test device bind, withdrawal and balance enquiry in sandbox before completing commercial onboarding.

Is my data safe?

We run PCI DSS Level 1 and ISO 27001 certified infrastructure with AES-256 encryption, IP whitelisting, 2FA, RBAC and tamper-proof audit logs. Card data is handled per PCI rules. Data stays in India.

Can I use the Micro ATM API without the white-label platform?

Yes. The Micro ATM API works standalone for your own systems. The white-label platform is an optional add-on if you also want to launch your own branded agent network on top of it.

Start card cash-out this week.

Get the rate card and sandbox credentials. No commitment, no credit card — just the numbers and the docs.

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Explore more

Complete the cash-out stack with these APIs

Most teams pair Micro ATM with AEPS and DMT — here's what usually runs alongside this API.

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