Services AEPS

AEPS Aadhaar Enabled Payment System

Empower your customers with biometric based banking. Enable cash withdrawals, deposits, and fund transfers using just Aadhaar and fingerprint authentication.

50,000+ Daily Transactions
99.9% Uptime
All Banks Supported
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What is AEPS?

Banking Without Cards or PINs

AEPS (Aadhaar Enabled Payment System) is a revolutionary bank led payment model developed by the National Payments Corporation of India (NPCI). It allows customers to perform basic banking transactions using their 12 digit Aadhaar number and biometric authentication (fingerprint or iris scan).

This system enables interoperable financial transactions at Point of Sale devices, Micro ATMs, or kiosks through authorized Business Correspondents like you. No debit card, no PIN, no smartphone required from the customer.

Quick Facts

  • Developed by NPCI under RBI guidance
  • Works with all UIDAI registered banks
  • Available 24x7x365
  • No internet required for customers
  • Supports 6 transaction types
Transaction Types

Services You Can Offer

Comprehensive banking services through a single platform

Cash Withdrawal

Customers withdraw cash from their Aadhaar linked bank account instantly

Cash Deposit

Accept cash deposits directly into customer bank accounts

Balance Enquiry

Check account balance securely using biometric verification

Mini Statement

Provide last few transaction details to customers

Fund Transfer

Aadhaar to Aadhaar fund transfers between accounts

eKYC Verification

Electronic Know Your Customer verification services

Simple Process

How AEPS Works

Complete a transaction in under 60 seconds

1

Customer Visits

Customer approaches your AEPS enabled outlet with their Aadhaar number

2

Enter Details

Enter Aadhaar number, select bank, and choose transaction type

3

Biometric Auth

Customer authenticates using fingerprint on biometric device

4

Instant Processing

Transaction processed via NPCI in real time with instant confirmation

For Partners

Why Offer AEPS?

Attractive Commission

Earn commission on every transaction. High volume means consistent income.

Increased Footfall

Attract customers who may also purchase other goods from your store.

Minimal Investment

Only need a smartphone/laptop and biometric device to start.

24x7 Availability

Offer banking services round the clock, even on holidays.

For Customers

Why Use AEPS?

No Card Needed

No need to carry debit cards. Aadhaar number is enough.

Biometric Security

Fingerprint authentication means no one else can access your account.

Nearby Access

Banking at your neighborhood store. No need to travel to bank branches.

Any Bank Works

Works with any bank account linked to Aadhaar. True interoperability.

Transaction Limits

Know the Limits

Transaction Type Per Transaction Daily Limit
Cash Withdrawal Up to Rs. 10,000 Rs. 50,000 cumulative
Cash Deposit As per bank policy As per bank policy
Fund Transfer Up to Rs. 10,000 Rs. 50,000 cumulative
Balance Enquiry No limit No limit
Mini Statement No limit No limit

* Limits may vary based on individual bank policies and NPCI guidelines

Customer Requirements

  • Valid 12 digit Aadhaar number
  • Bank account linked to Aadhaar
  • Mobile number registered with Aadhaar
  • Age 18 years or above

Partner Requirements

  • Valid Aadhaar and PAN card
  • Active bank account
  • Smartphone or computer with internet
  • RD certified biometric device

Start Your AEPS Business Today

Join thousands of retailers already earning through AEPS services. Quick onboarding, dedicated support.

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