B2B software technology and service APIs — ready to implement.
Arnixy provides two things: a ready-to-use software panel, and a set of service APIs covering AEPS, bill payments, recharges, PAN card, micro ATM, account opening and insurance. Implement our APIs into your own software, or deploy our panel as your software — both are built, licensed and maintained by us.
POST /v2/aeps/cash-withdrawal
Authorization: Bearer YOUR_API_KEY
{
"partner_id": "reseller_9021",
"aadhaar_ref": "xxxx-xxxx-4471",
"bank_iin": "SBIN0000001",
"amount": 2000
}
// 200 OK — 340ms
{ "status": "SUCCESS", "txn_id": "AX8827194" }One API key. Every service. Your brand on top.
What Arnixy actually does, in plain words
Getting a banking licence, connecting to Aadhaar-based payment rails, tying up with BBPS billers and insurers, and staying compliant with RBI/NPCI rules takes months and a legal team most businesses don't have. Arnixy has already done that work. We provide it back to you as two solutions: a ready-made software panel, or a set of service APIs you implement into your own software or app.
What Arnixy provides — two ways to implement
Everything we offer falls under two solutions. Pick either, or use both together.
B2B software (panel)
A ready-built software platform covering all 7 service categories — AEPS, micro ATM, bill payments, recharges, PAN, account opening and insurance. Deploy it as your software, with your branding.
Ready to deployService APIs
REST APIs for the same 7 service categories — authentication, sandbox and production keys, docs and a Postman collection, so your developers can implement each service directly inside your own software or app.
Ready to integrateSoftware resale and API resale, side by side
Pick the mode that fits your business — take our ready-made software panel and resell it as-is, or pull services straight into your own product using our REST APIs. Both run on the same licensed rails.
AEPS services
Aadhaar-enabled cash withdrawal, mini statement and balance enquiry — fingerprint authenticated, no card needed.
API + PanelMicro ATM
Card and biometric-based micro ATM transactions for counters that need card-present acceptance too.
API + PanelBill payments
BBPS-linked electricity, water, gas, EMI and credit card bill payments through one integration.
API + PanelRecharges
Prepaid and postpaid mobile, DTH and broadband recharges across every major operator.
API + PanelPAN card services
New PAN applications and corrections, filed with document upload and status tracking built in.
API + PanelAccount opening
Paperless savings account onboarding via Aadhaar-based e-KYC, completed in one sitting.
API + PanelInsurance
Motor, health, life and general insurance — issue, renew and track policies from the same panel.
API + PanelReseller software panel
A ready white-label dashboard to onboard, manage and settle your own downstream network.
Panel onlyYour brand in front, our licensed rails behind
Whether you resell our ready software or call our APIs directly from your own app, every transaction still settles on regulated banking correspondent and BBPS infrastructure — your end customer never sees Arnixy.
Live on your platform in under a day
No infrastructure to build, no compliance stack to assemble. Here's exactly what happens between signing up and your first live transaction.
Register as a reseller
Fill a short form with your business details and complete basic KYC (PAN, business proof, bank account for settlement). No setup fee, no annual charge.
Choose your mode
Tell us if you want the ready software panel, direct API access, or both — this decides whether you get a dashboard login, API credentials, or both.
Get your keys / panel & test in sandbox
API credentials or your white-label dashboard are activated within hours, along with sandbox access, documentation and a Postman collection so you can test before going live.
Go live, resell & earn margin
Switch to production, put your own pricing in front of your customers, and start transacting — margin is credited to your wallet the moment each transaction settles.
PAN & business proof
Individual PAN or business registration document (GST/Udyam/CoI — whichever applies to you).
Bank account details
A settlement account where your margin/commission gets credited.
Aadhaar (for e-KYC)
Used only to verify your identity as a reseller during registration.
A little time
Registration takes minutes; panel/API activation typically follows within hours.
Pick how you want to resell
From a plug-in API to a fully branded platform — Arnixy scales with how much infrastructure you want to own.
Software Reseller
Take our ready-made dashboard and resell it as-is
Up to ₹20,000additional income per month
- Free registration, no lock-in
- All 7 service categories on one screen
- Zero wallet-load charges
- Live in under 5 minutes
API Reseller
Call our APIs from your own app or website (API panel access)
Up to ₹50,000additional income per month
- Full REST API access via API panel
- Sandbox + production environments
- Set your own retail pricing
- Faster commission payouts
White-label
Launch financial services under your own brand entirely
Up to ₹1,00,000additional income per month
- Your own domain & branded app
- Software customised to your pricing & workflow
- Both software panel and full API access
- Unlimited sub-resellers underneath you
- Co-branded marketing support
If you already sell to shops or build software, you can resell ours
No banking licence, no compliance team to hire — Arnixy is the backend for businesses who already reach the customer.
Software companies & ISVs
App & website developers
Fintech distributors
DSAs & loan agents
Recharge & bill-pay chains
Multi-service kiosk operators
System integrators
Insurance aggregators
What our resellers tell us
"We plugged Arnixy's API into our existing app in under a week and launched AEPS and bill pay under our own brand — no new licence, no new team."
"The white-label panel let us onboard our own retailer network on day one. Our customers still think it's entirely ours."
"Documentation was clear and support answered our integration questions the same day. Margins settle instantly, every time."
Quick answers before you sign up
Do I need my own banking or payment licence?
No. Arnixy already holds the necessary tie-ups with banking correspondent networks, BBPS and insurers. You resell our software or APIs — the licensed backend is entirely on us.
What's the actual difference between "Software reseller" and "API reseller"?
Software reseller means you use Arnixy's ready dashboard with your logo — no coding needed. API reseller means your developers call our APIs and build your own screens inside your existing app or website. You can also do both together.
Will my customers know Arnixy is involved?
No. Every screen, panel and API response can be presented under your brand. Your customers only ever see your name.
How do I make money from this?
You set your own retail pricing on top of Arnixy's wholesale rate for each service. The difference is your margin, credited to your wallet the moment a transaction settles.
Is there a technical team required on my side?
Only if you choose the API route and want a fully custom interface. If you go with the software panel, there's nothing to build — it's ready to use.
What if I'm not sure which option is right for me?
That's exactly what our partner team is for — tell us what you're building and your existing tech stack, and we'll recommend the right mix.
Ready to launch fintech services under your own brand?
Registration takes minutes. Our integration team will help you get your first API call or panel live.