Over 1.6 million registered banking correspondents (Spice Money Adhikaris) deliver assisted financial services across more than 250,000 rural and semi-urban postal codes in India. The dedicated Spice Money B2B portal allows certified agents to conduct Aadhaar-enabled cash withdrawals, domestic money remittances, utility bill payments, and rail ticketing directly through a regulated merchant interface.
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What Is the Spice Money B2B Portal?
Spice Money B2B is a secure business-to-business web and mobile application infrastructure operated by Spice Money Limited (regulated under RBI, NPCI, and IRDAI frameworks). Certified agents use the portal to provide essential retail banking and digital payments to under-banked consumers, earning transactional commissions on every successful operation.
To maintain compliance with Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) directives, all agent sessions mandate two-factor biometric authentication (2FA) alongside daily merchant identity verification before processing customer financial transactions.
Official Portals and Digital Access Channels
Always log in through authenticated, secure domains to protect customer transaction tokens and merchant balances:
| Portal Type | Official Web URL / Distribution | Primary User Group |
|---|---|---|
| B2B Agent Web Portal | b2b.spicemoney.com | Registered Adhikaris / Agents on Desktop |
| Alternative Adhikari Login | adhikari.spicemoney.com/login | Backup Merchant Web Console |
| Corporate B2C Website | spicemoney.com | Consumer Information & Agent Onboarding |
| Adhikari Android App | Google Play Store (Spice Money Adhikari) | Mobile Merchants & Point-of-Sale (POS) |
Core Services Offered on the B2B Platform
| Service Category | Primary Capabilities | Typical Merchant Commission |
|---|---|---|
| AePS (Aadhaar Enabled Payment System) | Cash withdrawal, balance inquiry, mini statement | Up to ₹10 – ₹13 per transaction tier |
| Micro-ATM (mATM) | Debit card cash withdrawals via portable POS | Up to ₹10 per transaction |
| Domestic Money Transfer (DMT) | Instant IMPS/NEFT fund transfers to any Indian bank | 0.20% – 0.50% fee split |
| BBPS Utility Settlements | Electricity, water, LPG cylinder, mobile recharges | ₹0.50 – ₹3.00 flat fee per bill |
| Travel & Ticketing (IRCTC) | Authorized train, bus, and flight bookings | Fixed booking commission per passenger |
| Cash Collection (CMS) | EMI collections for 50+ microfinance institutions | 0.12% – 0.25% of collected volume |
How to Log In to the Spice Money B2B Web Portal
Follow these steps to access your desktop merchant dashboard:
Navigate to the Official B2B Web Address
Launch Google Chrome or Mozilla Firefox and visit b2b.spicemoney.com. Verify the browser address bar displays a valid HTTPS security certificate.
Input Your Adhikari Agent Credentials
Enter your registered User ID (also known as Agent ID or SDL Number) followed by your confidential Password.
Complete the Security CAPTCHA Verification
Enter the alphanumeric characters displayed in the security captcha box to prove automated bots are not accessing the terminal.
Complete Two-Factor Biometric or OTP Authentication
If logging in from a new IP address or starting a daily morning session, submit the 6-digit OTP dispatched to your registered mobile number or perform the NPCI mandatory merchant biometric scan using your connected fingerprint scanner.
Access Merchant Dashboard Tools
Upon successful validation, the system redirects you to the main Adhikari console displaying your live wallet balance, transaction ledger, and service tiles.
How to Reset a Forgotten Spice Money Password
Select the Reset Password Link on Login Page
On the b2b.spicemoney.com login screen, click Reset Password or Forgot Password located beneath the credential fields.
Enter Registered User ID and Registered Mobile Number
Provide your Adhikari ID and the mobile phone number tied to your official merchant account.
Submit One-Time Verification Code
Enter the one-time password (OTP) sent via SMS to your registered handset.
Establish a Strong New Password
Create a new password comprising at least eight characters, including uppercase letters, lowercase letters, numbers, and special symbols (e.g., #, $, @). Confirm the entry to regain immediate dashboard access.
Troubleshooting Common Portal Login Issues
| Error Encountered | Primary Root Cause | Verified Resolution |
|---|---|---|
| RD Service Error / Device Not Detected | Morpho or Mantra fingerprint scanner driver not running | Reinstall official RD Service drivers from the manufacturer portal; restart the MorphoRDService Windows background process. |
| 2FA Biometric Mismatch | Dry fingers, dirty scanner glass, or mismatched Aadhaar biometric data | Clean the scanner glass with a microfiber cloth; ensure the merchant registered on the Aadhaar KYC executes the scan. |
| Account Locked (Multiple Attempts) | Entering incorrect password more than three consecutive times | Wait 30 minutes for automated lockout release or use the Forgot Password workflow to establish a fresh security string. |
| Transaction Timeout / 999 Error | NPCI switch latency or slow banking server responses | Do not double-charge customers; verify the Transaction History report to confirm whether funds debited before re-initiating. |
Never share your Adhikari password, transaction PIN, or SMS OTP with individuals claiming to be Spice Money customer care representatives. Spice Money employees will never ask for your confidential access codes or biometric verification.
