Banking & Finance 28 May 2025

How to become a Spice Money agent

Becoming a Spice Money agent (also known as an "Adhikari") enables you to offer a range of digital financial services, including money transfers, bill payments, AEPS (Aadhaar Enabled Payment System), and more, particularly in rural and semi-urban areas.

  • Eligibility Requirements

To become a Spice Money agent, you need:

    • An Android smartphone or a computer with internet access
    • Valid Aadhaar card
    • PAN card
    • Active bank account
    • A small one-time registration fee (typically between ₹1,000–₹2,000, depending on your region)
  • Registration Process

You can register through either the mobile app or the web portal:

Option 1: Via Mobile App

  • Download the Spice Money Adhikari App from the Google Play Store.
  • Open the app and tap “Join Spice Money Now”.
  • Enter your mobile number and verify it using the OTP sent to your phone.
  • Fill in your personal details, including Aadhaar and PAN information, bank details, and shop/business information.
  • Upload the required KYC documents.
  • Submit the form and wait for verification. Once approved, you'll receive your Adhikari ID and login credentials.

Option 2: Via Web Portal

  • Visit the official Spice Money agent portal at b2b.spicemoney.com.
  • Click on “Join Us” or “Share your details. Our team will contact you”.
  • Fill out the form with your name, contact information, and location.
  • Upload your PAN card and address proof.
  • Submit the form. After review, you'll receive a confirmation email with your agent ID and login credentials.

Services You Can Offer

As a Spice Money agent, you can provide:

  • AEPS Services: Cash withdrawals, balance inquiries, and mini statements using Aadhaar authentication.
  • Money Transfers: Instant domestic transfers via IMPS and NEFT.
  • Bill Payments: Utility bills, mobile/DTH recharges through the Bharat Bill Payment System (BBPS).
  • Mini ATM Services: Cash withdrawal services using debit cards.
  • PAN Card Services: Assistance with new applications and updates.
  • Travel Bookings: Bus, train, and flight ticket bookings.
  • Insurance & Loans: Access to micro-insurance and small loans through partnered institutions.
  • Digital Dukaan: Sell products online through a personalized digital shop.
  • E-Governance Services: Support for government schemes like PM-Kisan, e-KYC, voter ID registration, and more.

Earning Potential

Your earnings are commission-based and depend on the volume of transactions you process. For example:

  • AEPS Withdrawals: ₹5–₹15 per transaction
  • Money Transfers: ₹5–₹25 per transaction
  • Bill Payments: ₹1–₹10 per bill
  • PAN Card Services: ₹50–₹100 per application
  • Ticket Bookings: ₹20–₹200 per ticket
  • Insurance/Loans: Variable commissions based on the product

Customer Support

For assistance, you can contact Spice Money:

  • Customer Care Number: 1800-123-4567
  • Email: customercare@spicemoney.com
  • Website: spicemoney.com

Becoming a Spice Money agent is a viable opportunity to offer essential financial services in your community while earning commissions.


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