Over 1.6 million registered banking correspondents (Spice Money Adhikaris) and Common Service Center (CSC) operators deliver assisted rural financial services across India. The dedicated Spice Money B2B portal allows certified agents to conduct Aadhaar-enabled cash withdrawals (AePS), domestic money transfers (DMT), micro-ATM card swipes, and utility bill settlements directly through an authenticated desktop web login or mobile terminal.
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What Is the Spice Money B2B Portal?
The Spice Money B2B portal (b2b.spicemoney.com) is a secure banking correspondent web platform operated by Spice Money Limited under Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) guidelines. It enables certified Adhikaris and CSC VLEs to deliver essential doorstep banking, AePS cash withdrawals, instant money remittances, and utility bill payments to under-banked citizens while earning structured transaction commissions.
To maintain strict regulatory compliance, all merchant web login sessions mandate two-factor biometric authentication (2FA) alongside daily merchant identity verification before processing customer financial transactions.
Official Spice Money Login Portal & Download Directory
Always access the Spice Money portal through verified official links to protect merchant wallet funds, customer biometric tokens, and sensitive transactional ledgers:
| Channel / Service | Official Web Link / Source | Platform | Primary Purpose |
|---|---|---|---|
| Spice Money B2B Web Login | b2b.spicemoney.com | Web (Chrome / Edge) | Desktop agent login, AePS cash counter, ledger & reports |
| Alternative Adhikari Portal | adhikari.spicemoney.com/login | Web (PC / Laptop) | Backup merchant web login console |
| Corporate Website | spicemoney.com | Web (All Browsers) | Company information, partner inquiries & new agent onboarding |
| Spice Money App Download | Google Play Store (Spice Money Adhikari) | Android (Mobile / Tablet) | Mobile point-of-sale transactions & portable AePS banking |
| Biometric RD Service Download | Official OEM Portals (Mantra / Morpho) | Windows & Android | Certified device drivers for Aadhaar fingerprint verification |
| Adhikari Certificate Download | Authenticated B2B Portal (Profile > Certificate) | PDF Download | Official BC shop certificate for customer trust & compliance |
How to Access Spice Money B2B Web Login on Desktop
To perform a Spice Money web login on a PC or laptop, navigate to the official portal b2b.spicemoney.com on Google Chrome, enter your Adhikari User ID (SDL/agent number) and password, solve the captcha, and authenticate using the mandatory 2FA biometric fingerprint scan or mobile OTP. Ensure your biometric RD Service driver is active before logging in.
Navigate to the Official B2B Web Login URL
Launch Google Chrome, Microsoft Edge, or Mozilla Firefox and visit b2b.spicemoney.com. Verify that the browser address bar displays a secure padlock symbol with a valid HTTPS certificate issued to Spice Money Limited.
Enter Your Adhikari Agent Credentials
Type your registered Agent User ID (commonly prefixed with SDL followed by your numeric code) and your confidential account Password.
Complete the Security CAPTCHA Verification
Enter the alphanumeric security verification text shown in the captcha image box to verify that your session is not initiated by an automated script or bot.
Perform Mandatory 2FA Biometric Authentication
In accordance with NPCI directives, place your registered thumb or finger on your connected USB biometric scanner (Morpho, Mantra, or SecuGen) to complete the daily merchant 2FA verification. If prompted for a new device verification, enter the 6-digit OTP sent to your registered mobile number.
Access the Merchant B2B Dashboard
Once verified, the portal directs you to the Adhikari merchant workspace displaying your live Main Wallet balance, AePS Settlement Wallet, transaction statements, and quick-access banking tiles.
Spice Money App Download & Driver Setup for PC
The official Spice Money Adhikari app is available for download on the Google Play Store for Android smartphones and tablets. For PC and desktop web login, no software installation is required; however, merchants must download registered RD Service drivers from Mantra or Morpho to enable biometric fingerprint scanners on Windows browsers.
1. Spice Money Adhikari Mobile App Download
For mobile merchants and doorstep banking agents:
- Open the Google Play Store on your Android device.
- Search for "Spice Money Adhikari" (developed by Spice Money - Rural Fintech).
- Tap Install and grant necessary camera, location, and USB OTG permissions.
- Pair your biometric scanner using a micro-USB or Type-C OTG connector and install the corresponding RD Service client (e.g., Mantra RD Service or Morpho SCL RD Service).
2. PC Biometric RD Service Driver Download
To process AePS cash withdrawals on desktop browsers:
- Mantra MFS100: Visit the official Mantra Softech download portal and download the Mantra RD Service (v1.0.8+) and MFS100 Driver (v9.2.0.0+) for Windows. Run the setup as Administrator and restart the PC.
- Morpho MSO 1300 E3: Download the Windows RD Service (HTTP/HTTPS) from the official Idemia / Morpho RD Service portal. Extract the ZIP archive, execute
setup.exeas Administrator, and ensureMorphoRDServicestatus shows Running in Windows Services. - Browser Configuration: Open
chrome://flagsin Google Chrome, search for "Allow invalid certificates for resources loaded from localhost", set it to Enabled, and relaunch Chrome to prevent local loopback blocking.
3. How to Download the Spice Money Adhikari Certificate
Displaying an authorized Business Correspondent certificate is legally mandated at every retail banking point:
- Log in to
b2b.spicemoney.comwith your Adhikari credentials. - Click on your profile icon in the top-right navigation bar and select My Profile.
- Under the documents and accreditation tab, locate BC Certificate or Adhikari Certificate.
- Click Download Certificate (PDF), print it in full color, frame it, and prominently hang it inside your banking kiosk or customer center.
Using Spice Money for CSC (Common Service Center) VLEs
Common Service Center (CSC) VLE operators frequently integrate Spice Money B2B as a primary or backup banking portal alongside CSC DigiPay. Spice Money provides instant wallet-to-bank settlements, higher AePS transaction success rates, dedicated IRCTC train ticketing, and instant commission credit, allowing CSC centers to serve more rural banking customers daily without interruption.
CSC VLEs who operate CSC Digital Seva Kendras benefit significantly from adding Spice Money to their service suite:
| Feature / Metric | Spice Money B2B Portal | CSC DigiPay / DigiPay Lite |
|---|---|---|
| Web Browser Access | Seamless web login on any desktop browser (b2b.spicemoney.com) | Primarily desktop executable or restricted portal |
| AePS Success Rate | Multi-bank switch routing reduces downtime to under 1% | Dependent on central DigiPay server uptime |
| Wallet-to-Bank Settlement | Instant IMPS payout to registered bank accounts 24/7/365 | Batch settlement or NEFT with occasional bank-hour delays |
| Biometric Compatibility | Plug-and-play with Mantra, Morpho, Startek, SecuGen | Requires strict RD Service compatibility |
| Integrated IRCTC Agent | Authorized IRCTC agency registration with zero annual renewal fees | Available via CSC portal with separate portal routing |
| Commission Payout Speed | Credited instantly to agent wallet on transaction completion | Credited to DigiPay wallet, subject to settlement schedules |
| Customer Support | Dedicated Adhikari helpline, WhatsApp bot & field distributors | CSC Helpdesk ticketing system |
How CSC VLEs Can Onboard on Spice Money
- Ensure your Aadhaar card, PAN card, and active bank account passbook/cheque are ready. You can download your updated e-Aadhaar PDF if your mobile number was recently updated.
- Install the Spice Money Adhikari app on your phone.
- Tap Join Spice Money and enter your mobile number.
- Complete your paperless e-KYC by scanning your PAN, validating Aadhaar OTP, and recording a short 10-second self-verification video.
- Enter your local distributor referral code or CSC VLE identifier.
- Approval typically arrives within 2 to 24 hours, after which you can immediately access the desktop web login at
b2b.spicemoney.com.
Core Banking Services & Commission Structure on the B2B Platform
The Spice Money portal categorizes merchant income into transparent transaction tiers:
| Service Category | Operational Capabilities | Merchant Commission Structure |
|---|---|---|
| AePS Cash Withdrawal | Aadhaar biometric cash withdrawal across all Indian banks | Tiered payout: Up to ₹10 – ₹13 per transaction (₹3,000–₹10,000 tier) |
| Micro-ATM (mATM) | Cash withdrawal via Rupay, Visa, and Mastercard debit cards | Up to ₹10 per successful transaction |
| Domestic Money Transfer (DMT) | Instant 24/7 IMPS and NEFT fund transfers to any savings/current account | 0.20% – 0.50% fee split based on remittance slab |
| BBPS Utility Settlements | Electricity, water, municipal tax, broadband, LPG cylinder booking | ₹0.50 – ₹3.00 flat commission per paid utility bill |
| IRCTC Train Ticketing | Authorized ticket booking, cancellation, and PNR status checks | ₹20 per Non-AC ticket / ₹40 per AC ticket (Agent Service Charge) |
| Cash Management Services (CMS) | Cash collection for 50+ NBFCs, microfinance, and delivery partners | 0.12% – 0.25% of total collected cash volume |
| PAN Card Issuance | NSDL and UTI biometric & paperless PAN card applications | Attractive margin per successfully processed application |
How to Reset a Forgotten Spice Money Password
Select the Reset Password Link on the Login Screen
On the b2b.spicemoney.com web login page, click Reset Password or Forgot Password located beneath the credential entry fields.
Enter Registered User ID and Registered Mobile Number
Input your unique Adhikari Agent ID (SDL...) along with the 10-digit mobile phone number linked to your official merchant account.
Submit One-Time Verification Code (OTP)
Enter the 6-digit OTP received via SMS on your registered handset.
Create a Secure New Password
Formulate a resilient password of at least 8 characters, combining uppercase letters, lowercase letters, numbers, and special symbols (e.g., #, $, @). Confirm the password to regain instant access to your web login dashboard.
Troubleshooting Common Portal Login & Biometric Issues
| Error Encountered | Primary Root Cause | Verified Resolution |
|---|---|---|
| RD Service Error / Device Not Detected | Morpho or Mantra driver stopped or USB port loose | Reinstall latest RD Service from manufacturer portal; restart MorphoRDService or MantraRDService in Windows services.msc. |
| 2FA Biometric Mismatch | Dry fingers, dusty sensor, or unauthorized operator scan | Clean scanner glass with a microfiber cloth; ensure the specific Adhikari registered on the KYC executes the biometric scan. |
| Account Locked (Multiple Attempts) | Incorrect password entered more than 3 consecutive times | Wait 30 minutes for security release or use the Reset Password option to generate a new password immediately. |
| Web Login White Screen / Page Timeout | Outdated browser cache or blocked localhost loopback | Clear browser cache (Ctrl + Shift + Delete); enable localhost certificates in chrome://flags; verify stable internet. |
| Transaction Timeout / 999 Error | NPCI gateway latency or customer bank server slowdown | Never deduct cash again; check the Transaction History Report first to verify if customer account was debited. |
Never share your Spice Money Adhikari password, transaction PIN, or SMS OTP with anyone, including individuals claiming to represent Spice Money customer support. Official representatives will never ask for your confidential authentication codes.
Quick Summary: Spice Money B2B Login & Portal Access
- Official Web Portal: Access desktop merchant services exclusively via
b2b.spicemoney.com. - App Download: Obtain the authenticated Adhikari app from the Google Play Store for Android.
- Biometric Requirement: NPCI 2FA mandates daily fingerprint authentication before processing AePS customer requests.
- CSC Integration: CSC VLEs can run Spice Money alongside DigiPay for higher uptime, instant IMPS settlements, and extra revenue.
- Certificate Display: Always download and print your official Adhikari Certificate from your portal profile for regulatory compliance.
