AEPS Error Code: Invalid IP Address or IP Whitelisting Is Pending is one of the most frustrating issues faced by CSPs, retailers, and banking correspondents across India. Within the first few minutes of encountering this error, most users are completely confused—transactions stop working, customers lose trust, and daily income is disrupted.
In simple terms, this error means your system’s IP address is either not authorized by the bank/server or is still waiting for approval (whitelisting).
In this in-depth guide, we will break down:
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What this error actually means
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Why it happens
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Real-world examples
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Step-by-step fixes
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Prevention tips
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FAQs
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And expert-level insights
By the end of this article, you’ll not only understand the problem—you’ll know exactly how to solve and prevent it permanently.
✅ What Is AEPS?
Before understanding the error, let’s quickly refresh what AEPS (Aadhaar Enabled Payment System) actually is.
AEPS allows users to perform banking transactions using:
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Aadhaar number
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Bank name
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Biometric authentication
Using AEPS, people can:
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Withdraw cash
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Check balance
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Transfer funds
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Perform mini statements
It’s heavily used in rural and semi-urban India where traditional banking access is limited.
⚠️ What Does AEPS Error Code: Invalid IP Address or IP Whitelisting Is Pending Really Means
Every AEPS service provider (bank or fintech company) allows access only from approved IP addresses. This is done for:
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Fraud prevention
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Cybersecurity
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Data protection
If your system connects using:
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A new internet connection
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A dynamic IP
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A VPN
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Or a mobile hotspot
The server automatically blocks the request and throws this error.
🔍 Why This Error Happens (Root Causes)
Let’s look at the most common real-world reasons behind AEPS Error Code: Invalid IP Address or IP Whitelisting Is Pending:
1️⃣ New Internet Connection Installed
If you recently changed your ISP (Jio, Airtel, BSNL, etc.), your IP address also changed—and it’s no longer whitelisted.
2️⃣ Using Mobile Hotspot or Dongle
Mobile networks use dynamic IPs that change frequently. Banks rarely whitelist such IPs.
3️⃣ VPN or Proxy Usage
VPNs mask your real IP. This is an instant rejection trigger.
4️⃣ IP Whitelisting Request Still Pending
Sometimes:
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You submitted your IP
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The provider hasn’t approved it yet
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And the status remains “under review”
5️⃣ Server-Side Security Update
Banks sometimes reset whitelisted IPs due to:
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Data breaches
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Firewall upgrades
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Compliance audits
🧠 How IP Whitelisting Works in AEPS (Simple Explanation)
Think of IP whitelisting like a VIP entry list at a secure office.
Only these IP addresses are allowed:
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Your shop’s broadband IP
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Office network IP
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Fixed static IP
If your IP is not on that list, you are blocked—no matter how genuine you are.
🛠️ Step-by-Step Solution to Fix This Error
Here’s the most reliable professional method to fix the issue.
✅ Step 1: Find Your Current IP Address
Open Google and type:
Copy the IPv4 address (example: 103.21.56.112)
✅ Step 2: Disable VPN & Proxy Completely
Check:
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Mobile settings
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Desktop VPN apps
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Browser extensions
Restart your device after disabling.
✅ Step 3: Contact Your AEPS Service Provider
Send them:
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Your Registered Mobile Number
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AEPS ID
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Current IP Address
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Screenshot of the error
Ask specifically for:
✅ Step 4: Wait for Approval (2–24 Hours Normally)
Most providers complete approval within:
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2–4 hours (fast systems)
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24 hours (banks & PSU systems)
✅ Step 5: Restart Router & AEPS Software
Once approved:
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Restart your modem
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Reopen AEPS portal
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Perform a test balance inquiry
✅ Pro Tip: Use Static IP for Permanent Safety
A static IP never changes. This prevents 90% of IP-related AEPS errors.
Cost:
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₹200–₹500/month (varies by ISP)
Benefits:
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No surprise blocks
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Faster approval
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Higher trust score with bank servers
📉 Real Case Study: Retailer Loss Due to IP Error
A rural CSP in Madhya Pradesh lost ₹8,500 in daily commissions because:
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His ISP changed IP during maintenance
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He didn’t realize it
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His AEPS remained blocked for 36 hours
After switching to a static IP, the issue never repeated again in 18 months.
📊 How Common Is This Error?
Industry data from AEPS aggregators suggests:
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23–28% of AEPS technical failures are IP-related
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Nearly 1 in 4 retailers faces this at least once per year
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Majority errors occur after ISP maintenance or router replacement
🔗 Helpful External Resources (DoFollow Educational Links)
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Reserve Bank of India – Digital Payment Security Guidelines
https://www.rbi.org.in -
UIDAI AEPS Overview
https://uidai.gov.in -
Cybercrime Helpline India
https://cybercrime.gov.in
🔗 Internal Reference Suggestions (For Your Website)
You should internally link this article to:
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AEPS Transaction Failed Error Guide
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AEPS Biometric Authentication Failure
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AEPS Settlement Delay Explanation
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AEPS Daily Limit Rules
❌ What Not to Do When This Error Appears
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❌ Don’t repeatedly retry transactions
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❌ Don’t switch networks randomly
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❌ Don’t use VPN thinking it will fix it
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❌ Don’t share IP publicly on WhatsApp groups
✅ How to Prevent This Error Forever
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Use static IP
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Avoid VPNs
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Keep same ISP
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Inform provider before router change
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Maintain IP change history
🧾 Quick Error Summary Table
| Issue | Impact | Fix |
|---|---|---|
| Dynamic IP | Frequent block | Use static IP |
| VPN usage | Instant failure | Disable VPN |
| ISP change | Access denied | Re-whitelisting |
| Firewall update | Temporary | Provider reset |
### Frequently Asked Questions (FAQs)
✅ What is AEPS Error Code: Invalid IP Address or IP Whitelisting Is Pending?
It means your internet IP is either not authorized or approval is still under process by your AEPS provider.
✅ How long does IP whitelisting take?
Usually between 2 to 24 hours, depending on provider workload.
✅ Can I use AEPS with mobile hotspot?
Technically yes, but it is not recommended due to frequent IP changes.
✅ Does static IP completely prevent this error?
Yes, in 90–95% of cases.
✅ Is this error related to Aadhaar or bank server failure?
No. It is strictly a network security authorization issue.
🏁 Final Conclusion
AEPS Error Code: Invalid IP Address or IP Whitelisting Is Pending is not a system failure—it is a security protection mechanism. While it can temporarily halt your business, it’s completely fixable with the right approach.
Once you:
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Identify your IP
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Disable VPN
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Request proper whitelisting
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Or move to static IP
You unlock a permanent, stress-free AEPS experience.
If you operate AEPS regularly, investing in a static IP and maintaining proper coordination with your service provider is not an expense—it’s a business safeguard.
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