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RA
Rajesh Sharma Author
Original Post
15

⚠️ Important compliance alert for all BC agents

NPCI has issued strict warnings regarding split transactions in AePS. A fellow BC agent in our district had his merchant ID permanently blocked and an FIR registered.

What exact transactions are classified as split transactions?

Has your AePS terminal ever been flagged or blacklisted by NPCI for suspicious transactions?

637 votes

2 Responses

RA
Ramesh Kumar Sharma
#1
23

Split transactions means processing multiple withdrawals in quick succession for the same customer to evade limits, maximize commission, or charge unauthorized convenience fees.

Prohibited Patterns

Example Why It's Flagged
Rs.1,000 + Rs.1,000 within 5 minutes for same customer Splitting to evade per-transaction limit
Withdrawing Rs.510, Rs.1,020, Rs.2,020 Non-round amounts indicate hidden fee deduction
Adding Rs.10–Rs.20 "convenience charge" to withdrawal Unauthorized fee charging against NPCI rules

How NPCI Detects This

NPCI's automated AI monitoring flags:

  • Non-round transaction amounts (ending in 10, 20, 50)
  • Multiple transactions for the same Aadhaar within a short window

Detection triggers an instant terminal freeze alert to the acquiring bank.

BI
Bikram Keshari Jena
#2
22

The golden rule: AePS withdrawals must always be in round multiples of ₹100.

✅ Allowed: ₹500, ₹1,000, ₹2,000, ₹5,000 ❌ Never: ₹510, ₹1,010, ₹2,020

If you charge for printing or convenience:

  • Collect it separately in cash
  • Issue a valid receipt
  • Never embed it into the withdrawal amount

Your BC license is worth more than a ₹10 commission. One FIR ends your entire operation permanently.

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